ATM Withdrawal Limits and Fees 2020 (Philippines)

ATM Withdrawal Limits and Fees 2020 (Philippines)

[Last updated 20 May 2020] ATM CASH WITHDRAWAL limits and transaction fees might be a big deal for others who manage active cash flow in their bank accounts, hence factors considered upon opening checking and savings accounts savings accounts.

While security is the main reason for most banks to impose these withdrawal limits, other accountholders find these quite disappointing especially if a large sum of money is suddenly needed, and withdrawing from the nearest automated teller machine (ATM) is seen as the best possible option. Equally, there are really those who withdraw their account balances up to the last centavo that inquiry and cash withdrawal fees bring almost equal disappointments.

While I was also interested to discover how banks, particularly the universal ones, in the Philippines differ in terms of these aspects, I checked these banks’ websites one after another and made a record of their single and daily cash withdrawal limits and the corresponding fees that come with balance inquiries and withdrawals.

Banks might not have updated yet these information on their portals, but you can always do the verification by clicking on the links to the source webpages and online documents. You might also want to compare these against your recent ATM transactions or even experience firsthand what other banks offer.

[1] Asia United Bank Corporation (AUB)

  • PHP50,000 (max daily cash withdrawal)
  • PHP5 (cash withdrawal fee at AUB ATMs)
  • PHP11 (cash withdrawal fee at other BancNet ATMs)
  • source: www.AUB.com.ph

[2] Bank of Commerce (BankCom)

  • PHP10,000 (max single cash withdrawal)
  • PHP20,000 (max daily cash withdrawal)
  • FREE (balance inquiry and cash withdrawal fees at BankCom ATMs)
  • ATM-BASED (balance inquiry and cash withdrawal fees for BankCom cards at other ATMs)
  • PHP2 (balance inquiry fee for other BancNet cards at BankCom ATMs)
  • PHP13 (cash withdrawal fee for other BancNet cards at BankCom ATMs)
  • source: www.BankCom.com.ph

[3] Bank of the Philippine Islands (BPI)

  • PHP20,000 (max daily cash withdrawal for BPI Cirrus Red and Debit MasterCard)
  • PHP50,000 (max daily cash withdrawal for BPI Cirrus Gold)
  • USD500 (max daily cash withdrawal for Dollar Account)
  • 6 TRANSACTIONS (max daily cash withdrawal)
  • PHP500 (min single cash withdrawal for BPI and BPI Direct accounts)
  • PHP200 (min single cash withdrawal for BPI Family accounts)
  • FREE (balance inquiry and cash withdrawal fees at BPI and BPI Family ATMs)
  • 5 (balance inquiry fee for BPI cards at non-BPI ATMs)
  • PHP15 (cash withdrawal fee for BPI cards at non-BPI ATMs)
  • USD1 (balance inquiry fee at international ATMs)
  • 5 (cash withdrawal fee at international ATMs)
  • source: www.BPIExpressOnline.com

[4] BDO Unibank, Inc. (BDO)

  • PHP25,000 (max single cash withdrawal at BDO ATMs)
  • PHP10,000 (max single cash withdrawal at non-BDO ATMs)
  • PHP50,000 (max daily cash withdrawal)
  • PHP200 (min single withdrawal)
  • FREE (balance inquiry and withdrawal fees at BDO ATMs)
  • PHP2 (balance inquiry fee for BDO cards at other BancNet ATMs)
  • PHP11 (withdrawal fee for BDO Cards at other BancNet ATMs)
  • USD1 (balance inquiry fee for BDO cards at MasterCard and VISA Plus ATMs)
  • 5 (withdrawal fee for BDO cards at MasterCard and VISA Plus ATMs)
  • source: www.BDO.com.ph

[5] China Banking Corporation (China Bank)

  • PHP50,000 (max daily cash withdrawal)
  • FREE (balance inquiry and cash withdrawal fees at China Bank ATMs)
  • PHP1 (balance inquiry fee for China Bank cards at other BancNet ATMs)
  • PHP15 (cash withdrawal fee for China Bank cards at other BancNet ATMs)
  • source: www.ChinaBank.ph

[6] CTBC Bank (Philippines) Corporation (CTBC)

  • PHP50,000 (max daily cash withdrawal at CTBC ATMs)
  • PHP20,000 (max daily cash withdrawal at non-CTBC ATMs)
  • FREE (balance inquiry and cash withdrawal fees at CTBC ATMs)
  • PHP2 (balance inquiry fee for CTBC cards at non-CTBC ATMs)
  • PHP12 (cash withdrawal fee for CTBC cards at non-CTBC ATMs)
  • 5 (balance inquiry fee for CTBC cards at VISA ATMs abroad)
  • 5 (cash withdrawal fee for CTBC Cards at VISA ATMs abroad)
  • source: www.CTBCBank.com.ph

[7] Development Bank of the Philippines (DBP)

  • PHP20,000 (max single cash withdrawal)
  • PHP20,000 (max daily cash withdrawal)
  • 5 TRANSACTIONS (max daily cash withdrawal)
  • FREE (balance inquiry and withdrawal fees at DBP ATMs)
  • PHP2 (balance inquiry fee for DBP cards at non-DBP ATMs)
  • PHP12 (withdrawal fee for DBP cards at non-DBP ATMs):
  • source: www.DBP.ph

[8] East West Banking Corporation (EastWest Bank)

  • PHP20,000 (max single cash withdrawal)
  • PHP50,000 (max daily cash withdrawal)
  • FREE (balance inquiry and cash withdrawal fees at EWB ATMs)
  • PHP1 (balance inquiry fee for EWB cards at non-EWB ATMs)
  • PHP10 (cash withdrawal fee for EWB cards at non-EWB ATMs)
  • PHP1 (balance inquiry for non-EWB cards at EWB ATMs)
  • source: www.EastWestBanker.com

[9] Land Bank of the Philippines (Landbank)

  • PHP50,000 (max daily cash withdrawal)
  • PHP1 (balance inquiry fee, interbank ATMs)
  • PHP10 (cash withdrawal fee, interbank ATMs)
  • source: www.LandBank.com

[10] Maybank Philippines, Incorporated (Maybank)

  • PHP50,000 (max daily cash withdrawal)
  • PHP20,000 (max single cash withdrawal)
  • FREE (balance inquiry and withdrawal fees at Maybank ATMs)
  • PHP2 (balance inquiry fee at non-Maybank ATMs)
  • PHP11 (cash withdrawal fee at non-Maybank ATMs)
  • source: www.Maybank.com.ph

[11] Metropolitan Bank and Trust Company (Metrobank)

  • PHP10,000 (max single cash withdrawal)
  • PHP50,000 (max daily cash withdrawal)
  • FREE (balance inquiry and withdrawal fees at Metrobank ATMs)
  • FREE (balance inquiry fee for Metrobank cards at PSB ATMs)
  • 5 (cash withdrawal fee for Metrobank cards at PSB ATMs)
  • PHP2 (balance inquiry fee for Metrobank cards at non-Metrobank ATMs)
  • PHP11 (withdrawal fee for Metrobank cards at non-Metrobank ATMs)
  • USD1 (balance inquiry fee for Metrobank cards at international ATMs)
  • 5 (cash withdrawal fee for Metrobank cards at international ATMs)
  • source: www.Metrobank.com

[12] Philippine Bank of Communications (PBCom)

  • PHP50,000 (max daily cash withdrawal)
  • FREE (balance inquiry and cash withdrawal fees at PBCom ATMs)
  • PHP1 (balance inquiry fee for PBCom cards at non-PBCom ATMs)
  • PHP10 (cash withdrawal fee for PBCom cards at non-PBCom ATMs)
  • Source: www.PBCom.com.ph

[13] Philippine Veterans Bank (Veterans Bank)

  • FREE (balance inquiry and cash withdrawal fees at Veterans Bank ATMs)
  • PHP2 (balance inquiry fee, ATM interbank)
  • PHP16 (cash withdrawal fee, ATM interbank)
  • source: www.VeteransBank.com.ph

[14] Philippine National Bank (PNB)

  • PHP10,000 (max single cash withdrawal)
  • PHP50,000 (max daily cash withdrawal)
  • FREE (balance inquiry and cash withdrawal fees at PNB ATMs)
  • PHP2 (balance inquiry fee for PNB cards at non-PNB ATMs)
  • PHP11 (cash withdrawal fee for PNB cards at non-PNB ATMs)
  • PHP2 (balance inquiry fee for non-PNB cards at PNB ATMs):
  • PHP15 (cash withdrawal fee for non-PNB cards at PNB ATMs):
  • source: www.PNB.com.ph

[15] Philippine Trust Company (Philtrust Bank)

  • PHP10,000 (max single cash withdrawal)
  • PHP20,000 (max daily cash withdrawal)
  • FREE (balance inquiry and cash withdrawal fees at PTC ATMs)
  • PHP1 (balance inquiry fee for PTC cards at non-PTC ATMs)
  • PHP10 (cash withdrawal fee for PTC cards at non-PTC ATMs)
  • source: www.PhiltrustBank.com

[16] Philippine Savings Bank (PSBank)

  • PHP30,000 (max daily cash withdrawal)
  • FREE (balance inquiry and withdrawal fees at PSB ATMs)
  • FREE (balance inquiry fee for PSB cards at Metrobank ATMs)
  • 5 (cash withdrawal fee for PSB cards at Metrobank ATMs)
  • PHP1 (balance inquiry fee for PSB cards at non-PSB ATMs)
  • PHP10 (cash withdrawal fee for PSB cards at non-PSB ATMs)
  • USD1 (balance inquiry fee for PSB cards at international ATMs)
  • 5 (withdrawal fee for PSB cards at international ATMs)
  • source: www.PSBank.com.ph

[17] Rizal Commercial Banking Corporation (RCBC)

  • PHP20,000 (max single cash withdrawal)
  • PHP25,000 (max daily cash withdrawal)
  • FREE (balance inquiry and withdrawal fees at RCBC ATMs)
  • PHP2 (balance inquiry fee for RCBC cards at other BancNet ATMs)
  • PHP14 (cash withdrawal fee for RCBC cards at other BancNet ATMs):
  • source: www.RCBC.com

[18] Robinsons Bank Corporation (Robinsons Bank)

  • PHP15,000 (max single cash withdrawal)
  • PHP50,000 (max daily cash withdrawal)
  • FREE (balance inquiry and withdrawal fees at Robinsons ATMs)
  • PHP2 (balance inquiry fee for non-Robinsons cards at Robinsons ATMs)
  • PHP11 (cash withdrawal fee for non-Robinsons cards at Robinsons ATMs)
  • source: www.RobinsonsBank.com.ph

[19] Security Bank Corporation (Security Bank)

  • PHP10,000 (max single cash withdrawal)
  • PHP50,000 (max daily cash withdrawal)
  • FREE (balance inquiry and cash withdrawal fees at Security Bank ATMs)
  • PHP1 (balance inquiry fee, interbank ATMs)
  • PHP10 (cash withdrawal fee, interbank ATMs)
  • PHP60 (balance inquiry fee for Cirrus and Maestro)
  • PHP300 (cash withdrawal fee for Cirrus and Maestro)
  • source: www.SecurityBank.com

[20] United Coconut Planters Bank (UCPB)

  • PHP20,000 (max daily cash withdrawal)
  • FREE (balance inquiry and cash withdrawal fees at UCPB ATMs)
  • PHP2 (balance inquiry fee for UCPB cards at non-UCPB ATMs)
  • PHP12 (cash withdrawal fee for UCPB cards at non-UCPB ATMs)
  • PHP50 (balance inquiry fee for UCPB cards at international VISA ATMs)
  • PHP150 (cash withdrawal fee for UCPB cards at international VISA ATMs)
  • source: www.UCPB.com

[21] Union Bank of the Philippines (Union Bank)

  • PHP20,000 (max daily cash withdrawal)
  • FREE (balance inquiry and cash withdrawal fees at UBP ATMs)
  • PHP2 (balance inquiry fee for UBP cards at non-UBP ATMs)
  • PHP12 (cash withdrawal fee for UBP cards at non-UBP ATMs):
  • source www.UnionBankPH.com

All information and figures above are the same as those available on the banks’ websites. You may also check these banks’ official websites (simply click on the links) for possible updates and advisories related to ATM withdrawal limits and fees. Other banks have temporarily waived convenience fees amidst the coronavirus pandemic.