Withdraw cash in the Philippines without ATM fees
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| HSBCNo fee for foreign cards according to two sources; few ATMs. | free | 9 | medium |
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | PHP 138.73–355 | 82 | medium |
| Bank ATMs (default) | PHP 250–300 | 4,874 | medium |
| BDOPHP 250 for foreign cards. | PHP 250 | 1,084 | medium |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 378 | – |
ATMs in popular places
FAQ
Can you withdraw cash for free in the Philippines?
Mostly no. Most bank ATMs in the Philippines charge foreign cards a fee. Almost all banks (BDO, BPI, Metrobank …) charge about PHP 250 per withdrawal.
Which ATMs are free in the Philippines?
According to our sources, no operator fee at: HSBC. The map marks 9 ATMs with no known fee.
Should I pay in PHP or in my home currency?
If the ATM offers to charge you in your home currency, always choose PHP (without conversion). The ATM's own conversion (DCC) often costs 5–10%.
How do I avoid ATM fees in the Philippines?
Fees are charged mainly by: BDO (PHP 250), Euronet / independent operator (PHP 138.73–355). The fee is shown on screen before the withdrawal, so you can still cancel. Use the ATMs marked as free on the map. Avoid Euronet and other independent operators, especially at airports and in tourist areas. Withdraw a larger amount once rather than small amounts several times, and check before your trip what your own bank charges for foreign withdrawals.
How up to date is this?
Fees were last checked on 2026-11-02. ATM locations come from OpenStreetMap. Fees can change; what counts is the screen at the ATM.
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