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Welcome to Paetechie, the pathetic technology oriented and information security blog of a techie traveler from the Philippines

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Maximum ATM Cash Withdrawal Amount per Day in Philippine ATM/Cash Machine

I usually get queries on why i advocate using your own bank's ATM for cash withdrawals and other transactions to avoid transaction charges. This time, I read about a complaint from a foreigner complaining about the P4k limit on ATM withdrawals. Note that since he's withdrawing from his account held in a foreign bank, he'll incur more charges if he needs more than P4k. I suggest he use BancNet ATMs that allow at least P10k per transaction that costs one third transaction fees (you need to transact three times in ATMs of Megalink and ExpressNet thereby incurring three times more charges.

For local bank accounts, you can withdraw your money from the ATM with the following limits:

Allied Bank 20K
Asia United Bank 100K
Banco de Oro
Banco Filipino 20K or 5x withdrawal
Banco San Juan 20K
Bank of the Philippine Islands (BPI) P20K
Centennial Bank 20K
China Bank 20K (combined w/ POS & IBFT)
Chinatrust Bank 50K
Citibank 150K
Citibank Savings Bank 150K
Citystate Savings Bank 20K
East West Bank 50K (combined w/ IBFT)
Export Bank 40K
Green Bank 20K
Malayan Bank 20K
Metrobank Regular - 30K Special - 50K
NationLink 20K
PBCom 20K
Philippine National Bank (PNB)
Philtrust Bank 20K
Postal Bank 20K
PSBank Gold - 50K Regular - 30K
RCBC 50K (combined w/ IBFT)
RCBC Savings Bank 50K (combined w/ POS & IBFT)
Real Bank 20K
Security Bank Reg. Card - 40K (combined w/ IBFT)
Cashlink - 40K (combined w/ IBFT)
Sterling Bank 40K
Standard Chartered Bank 100K
Tong Yang Bank 50K
Union Bank
World Partners Bank 20K


Data on other banks to follow once available

POS = Point-of-Sale

For BPI, you need to withdraw the P20k at the ATM before withdrawing over the counter.

Limits are imposed by the card issuing bank (where the account is)

BancNet currently allows at least P10k per transaction for member banks. Megalink and ExpressNet lowered this to P4k.

Should you need to withdraw more than P4k, transact at your own bank's ATM, BancNet then Megalink/ExpressNet, in that order of preference (particularly for those using VISA and Mastercard cash advances and Plus, Cirrus, Maestro ATM cash withdrawals from US or foreign banks.


posted by backpacking philippines @ Tuesday, July 22, 2008,


At July 28, 2008 at 7:40 AM, Blogger JayAshKal said...

I have long ago stopped withdrawing cash from ATM account. not that I don't have anymore cash to withdraw (that's partly the reason! hehehee.). I just use my credit card whenever I can, I do get points BUT one has to be really discipline (I am not!) to pay the balance as you go along, otherwise this will negate the benefits of paying via credit cards. At the end of the month or by visiting my online account I know and can see a running total of what I've been spending on. Obviously it's not that you can always pay via credit all the time. Great post!

At July 28, 2008 at 10:04 PM, Blogger tutubi said...

jayashkal, credit is good if you can handle it. not for all people though and not all merchants accept cards

At August 3, 2008 at 2:31 PM, Anonymous juler said...

they are implementing withdrawal limit to insure their(bank) cash position will not be prejudice.

This way they can have time to invest the extra money to investments which ROI is greater than the bank interest rates. Pretty smart isn't it?

btw, i just added your blog..

keep on blogging and good day.

At August 3, 2008 at 2:49 PM, Blogger tutubi said...

juler, it's alsopart of risk assessments. my contact mostly from Audit group was the one adamant on the P20k limit without even thinking of inflation :(

At February 27, 2009 at 8:15 PM, Anonymous Anonymous said...

Hi all... Can somebody help me??? I need to know if Allied Bank accepts Maestro card as I am thinking to send my maestro card to my mum in philippines. It is so expensive to send money via Western union. Thanks!!!

At March 1, 2009 at 11:20 AM, Anonymous paetechie said...

anonymous, afaik, Allied bank does not accept maestro. i've only seen the maestro logo on Metrobank and BPI atms. not sure about the others for i always transact at my own banks' atms (chinabank and BPI)

At February 26, 2010 at 9:00 AM, Blogger bekins said...

i have a you know how many mastercard atms there are in all of the philippines? or where i can find that type of information?

At December 4, 2010 at 4:39 PM, Anonymous Anonymous said...

HSBC still the best if u need to withdraw bigger amount in one transaction, so u can save the transaction fee particularly for international ATM card user like me. I can withdraw 25k per transaction while other atm including citybank limit the transaction to 15k per withdrawal

At April 11, 2011 at 4:29 PM, Anonymous Anonymous said...

I agree HSBC is the only bank I can vouch for in regards to allowing bigger amount per transaction. Depending on how much money is in the atm, and availability of 1000 notes, HSBC allows me to withdraw 35K in one go which is my 500 GBP daily limit (cash machine usage fee also cost me 5 GBP). Perhaps if you have a higher higher limit you may be able to withdraw more.

At April 12, 2011 at 5:24 PM, Anonymous Anonymous said...

I agree HSBC is the only bank I can vouch for in regards to allowing bigger amount per transaction. Depending on how much money is in the atm, and availability of 1000 notes, HSBC allows me to withdraw 35K in one go which is my 500 GBP daily limit (cash machine usage fee also cost me 5 GBP). Perhaps if you have a higher higher limit you may be able to withdraw more.

At May 28, 2011 at 1:06 PM, Anonymous Anonymous said...

hi.. do you know atm machine that will allow me to withdraw more than 10k?? im using bank of atlantic.. i just feel sad evry time i need money becoz of the charges.. monthly i need 90k to 100k to pay my mortage and i always charge 10 times. pls reply..

At May 28, 2011 at 9:41 PM, Blogger paetechie said...

anonymous, for local banks it's just PhP10,000.00 per transaction. it's a bancnet standard and also limited by the number of bills the atm can spit out. from your bank, why not try other means of sending money to the Philippines to lessen your charges? some remittance company may be able to help you

At September 10, 2011 at 4:11 PM, Anonymous Anonymous said...

I agree about the HSBC transaction. Max withdrawal you can do is 40K, for intl ATM, your transaction fee including the balance inquiry is 500php (400php for the withdrawal and 100php for bal inq).

At September 17, 2011 at 7:02 AM, Anonymous Anonymous said...

Thanks a lot for this post.

At November 5, 2011 at 3:14 PM, Anonymous Anonymous said...

you can withdraw direct from the counter using your atm card to avoid paying multiple service charge in withdrawing large amount of cash thru the machine

At November 7, 2011 at 10:46 PM, Blogger paetechie said...

anonymous, yes but most of the time you need to do it at your branch. for BPI, you need to withdraw the P20k daily limit but you still have to pay a service fee P100 (IIRC) for over the counter...

At November 25, 2011 at 1:32 PM, Anonymous Anonymous said...

hi, I already withdraw the maximum limit of cash withdrawal from my BPI ATM. Can I still use my ATM card to withdraw cash from my BPI account to another bank such as Metrobank or BDO on that same day?

At November 26, 2011 at 10:40 AM, Blogger paetechie said...

anonymous, nope. the P20k limit per day is set at BPI (as card issuer) and not by other banks (card acquirer)

At January 5, 2012 at 11:22 PM, Blogger momay said...

Hi can somebody tell me where can i find an ATM machine for Bank of Atlantic

Thanks a lot!

At March 4, 2012 at 9:42 PM, Anonymous Anonymous said...

In Atlantic ocean..... peace =)

At June 7, 2012 at 11:18 AM, Anonymous Anonymous said...

is this still updated? for rcbc and rcbc savings? anyone? thanks

At June 9, 2012 at 9:25 PM, Anonymous Anonymous said...

Hi, how much is the LIMIT ON ATM CARD WITHDRAWAL per month in the Philippines for foreigners? I have INTERNATIONAL MAESTRO ATM CARD. because last year I encountered a problem I could no longer withdraw cash even if I didnt reached yet the limit set by my bank.

At August 25, 2012 at 9:04 PM, Anonymous Anonymous said...

for momay: try hsbc, i too have a bankatlantic card. you can withdraw up to 40K

At August 31, 2012 at 3:37 PM, Blogger Ching.C said...

Same here... Very stressful to withdraw. I am using DBS card and it is vey incinvenient and costly to withdraw 10k many times!

At August 31, 2012 at 3:39 PM, Blogger Ching.C said...

Frustrating for foreign card holders...
I am stressed everytime rhe machine only allows me to withdraw 10k and I have to keep on withdrawing to get my desired amount. Very costly!
I am using dbs by the way.
Anyone happen to know if there is an Hsbc atm machine near boni edsa ?

At September 5, 2012 at 1:56 PM, Anonymous Anonymous said...

Nope. I assured you there is HSBC in G/F The Enterprise Centre, Tower I
6766 Ayala Avenue corner Paseo de Roxas, Makati
and in G/F HSBC Centre
3058 Fifth Avenue West
Bonifacio Global City, Taguig City

At November 13, 2012 at 8:46 AM, Anonymous Anonymous said...

About the 20th pesos withdrawal limit per day from ATM.Can I withdraw 10th at 11:30pm then withdraw another 10th after 2 hours?

At November 30, 2012 at 8:48 PM, Anonymous Anonymous said...

Hello, can I withdraw over the counter in different branches of union bank?

At December 2, 2012 at 9:35 PM, Blogger paetechie said...

anonymous nov 13, yes, they're different days already

anonymous nov 30, nope, there's only one "branch" for ATM transactions but you can withraw any amount from your branch. if you can withdraw from other branches, it depends on your bank. no idea about unionbank though

At May 19, 2015 at 6:04 PM, Anonymous Anonymous said...

you can call your bank to increase withdrawal and transactions per day -


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