BPI EMV Cirrus Red

ATMs (Cirrus)
You can use your BPI Debit EMV Cirrus card to withdraw in the local currency of the country that you are in at any Cirrus-affiliated ATM.

Point-of-sale (POS) terminals/in-store payments
You cannot use your BPI Debit EMV Cirrus card at POS terminals for in-store payments abroad.

You may submit a written request to any branch near you. However, your request will still be subject for approval.

Magstripe, short for magnetic stripe, is the black stripe at the back of your debit card that houses your card’s data. Magstripe BPI Debit cards are not EMV-enabled yet.

BPI no longer issues magstripe cards as we have moved to EMV chip-enabled cards.

The BPI Debit EMV Cirrus Red and Gold variants have the same basic features as the old BPI ATM Debit card. The difference is the additional security features provided by the EMV chip. You can use it to withdraw from BPI ATMs, BancNet ATMs locally, and from Cirrus-affiliated ATMs internationally. You may also use the card to pay in-store at selected Point-of-Sale (POS) terminals locally.

Here are the features of the BPI EMV Debit Cirrus cards:
EMV Chip - EMV card technology makes your transactions more secure than magstripe cards; EMV chipped cards use dynamic data to ensure that every transaction is secure.
Expiration Date - The “Valid Thru” on the face of your BPI Debit EMV Cirrus card indicates the month and year of card expiry. It has seven (7) year validity. When your card expires, you will need to have your card renewed at any branch.
New Card Design - EMV-enabled BPI Debit cards now come in a new red card design; current Gold BPI Debit cards have the same gold card design as the existing Gold BPI ATM Debit Card, but with an EMV chip.

No, you must activate your BPI Debit EMV Cirrus card first. Once you have successfully changed your Temporary PIN, you may use your BPI Debit EMV Cirrus card for transactions.