ATM Withdrawal Limits and Fees [Updated 2023] (2024)

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 ATM cash withdrawal)
• PHP5 (cash withdrawal fee for AUB cards at AUB ATMs)
• Cash withdrawal and balance inquiry fees for AUB cards at non-AUB ATMs vary.

[2] Bank of Commerce (BankCom)

• PHP10,000 (max single cash withdrawal)
• PHP20,000 (max daily cash withdrawal)
• FREE (balance inquiry and cash withdrawal fees for BankCom cards at BankCom ATMs)
• PHP2 (balance inquiry fee for non-BankCom cards at BankCom ATMs)
• PHP13 (cash withdrawal fee for non-BankCom cards at BankCom ATMs)
• Cash withdrawal and balance inquiry fees for BankCom cards at non-BankCom ATMs vary.

[3] Bank of the Philippine Islands (BPI)

• PHP500 (BPI minimum withdrawal per transaction)
• PHP200 (BPI Family minimum withdrawal per transaction)
• PHP40,000 (max daily cash withdrawal)
• PHP100,000 (BPI EMV Debit Cirrus Gold max daily cash withdrawal)
• USD500 (max daily cash withdrawal for Dollar Account)
• 6 Transactions(max daily cash withdrawal)
• FREE (balance inquiry and cash withdrawal fees for BPI and BFI Familt cards at BPI and BPI Family ATMs)
• Cash withdrawal and balance inquiry fees for BPI cards at non-BPI ATMs vary.

[4] BDO Unibank, Inc. (BDO)

• PHP10,000 (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 transaction withdrawal)
• FREE (balance inquiry and withdrawal fees for BDO cards at BDO ATMs)
• PHP2 (BDO ATM withdrawal fee)
• PHP11 (withdrawal fee for BDO Cards at other BancNet, ExpressNet, and MegaLink ATMs)
• PHP2 (Balance Inquiry at other BancNet, ExpressNet, and MegaLink ATMs)

[5] China Banking Corporation (China Bank)

• PHP50,000 (max daily cash withdrawal)
• FREE (balance inquiry and cash withdrawal fees for China Bank cards at China Bank ATMs)
• PHP2 (balance inquiry fee for non-China Bank cards at China Bank ATMs)
• PHP16 (cash withdrawal fee for non-China Bank cards at China Bank ATMs)
• Cash withdrawal and balance inquiry fees for China Bank cards at non-China Bank ATMs vary.

[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)

[7] Development Bank of the Philippines (DBP)

• PHP20,000 (max single cash withdrawal)
• PHP20,000 (max daily cash withdrawal)
• PHP50,000 (max daily cash withdrawal upon branch request)
• 5 Transactions (max daily cash withdrawal)
• FREE (balance inquiry and withdrawal fees at DBP ATMs)
• PHP2 (balance inquiry fee for non-DBP cards at DBP ATMs)
• PHP15(balance inquiry fee for non-DBP cards at DBP ATMs)
• Cash withdrawal and balance inquiry fees for DBP cards at non-DBP ATMs vary.

[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)
• PHP15 (cash withdrawal fee for non-EWB cards at EWB ATMs)
• PHP1 (balance inquiry for non-EWB cards at EWB ATMs)
• Cash withdrawal and balance inquiry fees for EWB cards at non-EWB ATMs vary.

[9] Land Bank of the Philippines (Landbank)

• PHP50,000 (max daily cash withdrawal)
• FREE (balance inquiry and withdrawal fees for Landbank cards at Landbank ATMs)
• PHP1 (balance inquiry fee for non-Landbank cards at Landbank ATMs)
• PHP10 (cash withdrawal fee for non-Landbank cards at Landbank ATMs)
• Cash withdrawal and balance inquiry fees for Landbank cards at non-Landbank ATMs vary.

[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 for non-Maybank at Maybank ATMs)
• PHP16 (cash withdrawal fee for non-Maybank at Maybank ATMs)
• Cash withdrawal and balance inquiry fees for Maybank cards at non-Maybank ATMs vary.

[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)
• PHP7.50 (cash withdrawal fee for Metrobank cards at PSB ATMs)
• USD1 (balance inquiry fee for Metrobank cards at international ATMs)
• USD3.50 (cash withdrawal fee for Metrobank cards at international ATMs)
• Cash withdrawal and balance inquiry fees for Metrobank cards at non-Metrobank ATMs vary.

[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 non-PBCom cards at PBCom ATMs)
• PHP10 (cash withdrawal fee for non-PBCom cards at PBCom ATMs)
• Cash withdrawal and balance inquiry fees for PBCom cards at non-PBCom ATMs vary.

[13] Philippine Veterans Bank (Veterans Bank)

• FREE (balance inquiry and cash withdrawal fees at Veterans Bank ATMs)
• PHP2 (balance inquiry fee for non-Veterans Bank cards at Veterans ATMs)
• PHP16 (cash withdrawal fee for non-Veterans Bank cards at Veterans ATMs)

[14] Philippine National Bank (PNB)

• PHP10,000 (max single cash withdrawal)
• PHP50,000 (max daily cash withdrawal)
• FREE (balance inquiry and cash withdrawal fees for PNB cards at PNB ATMs)
• PHP2 (balance inquiry fee for non-PNB cards at PNB ATMs)
• PHP15 (cash withdrawal fee for non-PNB cards at PNB ATMs)
• Cash withdrawal and balance inquiry fees for PNB cards at non-PNB ATMs vary.

[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)

[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)
• PHP7.50 (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)
• USD5 (withdrawal fee for PSB cards at international ATMs)

[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)
• PHP1 (balance inquiry for non-RCBC cards at RCBC ATMs)
• PHP18 (cash withdrawal fee for non-RCBC cards at RCBC ATMs)
• Cash withdrawal and balance inquiry fees for RCBC cards at non-RCBC ATMs vary.

[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)
• PHP18(cash withdrawal fee for non-Robinsons cards at Robinsons ATMs)
• Cash withdrawal and balance inquiry fees for Robinsons cards at non-Robinsons ATMs vary.

[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)
• Cash withdrawal and balance inquiry fees for Security Bank cards at non-Security Bank ATMs vary.

[20] 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 non-UBP cards at UBP ATMs)
• PHP12 (cash withdrawal fee for non-UBP cards at UBP ATMs)
• Cash withdrawal and balance inquiry fees for UBP cards at non-UBP ATMs vary.

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. This article was last updated on February 17, 2023.