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    ATM Fee Guide
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    ATM Fees in Philippines

    Philippine Peso (PHP) • Updated April 2026

    Philippines has good ATM coverage in cities. Most ATMs charge a standard 250 PHP (~$4.50) fee for overseas cards. Euronet ATMs are appearing in tourist areas with higher fees — stick to bank ATMs. Card acceptance is moderate; cash is essential for daily transactions outside Manila.

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    Tips for Philippines

    • • Most ATMs charge 250 PHP (~$4.50) for overseas cards
    • • Avoid Euronet ATMs in tourist areas — higher fees and poor exchange rates
    • • BDO and BPI have the most ATMs nationwide
    • • ATM withdrawal limits are often 10,000-20,000 PHP per transaction
    • • GCash is the dominant local payment method. Some tourists can now use Alipay+ at GCash merchants
    • • Registration on the 'eTravel' portal is required for all arriving foreigners 72 hours before flight
    • • HSBC is one of the few fee-free options for foreign cards
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    Airport tips

    • • Manila airport has many ATMs
    • • Get cash for taxi or Grab
    • • Cards work at airport shops
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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Philippines, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    1,350-3,400 PHP

    PHP/day

    🏨 Accommodation600-1,500 PHP
    🍜 Food & drinks300-700 PHP
    🚌 Transport150-400 PHP
    🎟️ Activities300-800 PHP

    ≈ $22.65-57.06 USD

    Mid-range

    Hotels, restaurants, mix of transport

    4,500-9,500 PHP

    PHP/day

    🏨 Accommodation2,500-5,000 PHP
    🍜 Food & drinks800-1,500 PHP
    🚌 Transport400-1,000 PHP
    🎟️ Activities800-2,000 PHP

    ≈ $75.51-159 USD

    Luxury

    Premium hotels, fine dining, private transport

    14,000-32,000 PHP

    PHP/day

    🏨 Accommodation8,000-18,000 PHP
    🍜 Food & drinks2,000-4,500 PHP
    🚌 Transport1,500-3,500 PHP
    🎟️ Activities2,500-6,000 PHP

    ≈ $235-537 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Philippines.

    Credit card acceptance

    Low

    The Philippines is primarily a cash economy. You will need cash multiple times on any typical trip. GCash is the dominant local electronic payment method but acceptance is far from universal, and tourists generally can't use it. Card acceptance is limited to higher-end restaurants in tourist areas, airports, hotels, and malls.

    Regional differences

    • • Makati and BGC (Metro Manila): Good card acceptance at restaurants, cafes, and shops
    • • Manila/Cebu: Cards accepted at malls, hotels, and upscale restaurants
    • • Tourist islands (Boracay, Palawan, Siargao): Very limited card acceptance — bring plenty of cash
    • • Rural areas: Cash only, and ATMs can be scarce
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    You'll need cash for

    • • Jeepneys and tricycles
    • • Most restaurants and eateries
    • • Markets and street food
    • • Island hopping and local tours
    • • Convenience stores (many)
    • • Tips and services
    • • Most shops outside malls
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    Cards usually accepted

    • • Hotels (most)
    • • Shopping malls
    • • Higher-end restaurants in tourist areas
    • • Airport shops and restaurants
    • • Some dive shops and tour operators

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    HSBC0 PHP0 USD30
    BDO250 PHP~4.50 USD1,500
    BPI250 PHP~4.50 USD1,200
    Metrobank250 PHP~4.50 USD900
    RCBC250 PHP~4.50 USD500
    UnionBank250 PHP~4.50 USD400
    Landbank250 PHP~4.50 USD800
    Euronet390 PHP~10.00 USD200

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    BDO250 PHP~4.50 USD1,500
    BPI250 PHP~4.50 USD1,200
    Metrobank250 PHP~4.50 USD900
    Landbank250 PHP~4.50 USD800
    RCBC250 PHP~4.50 USD500
    UnionBank250 PHP~4.50 USD400
    Euronet390 PHP~10.00 USD200
    HSBC0 PHP0 USD30

    🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Philippines:

    Maybank Regional Network
    View all ATM alliances →

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