Debit & Bank Cards in the Philippines
Debit Visas and Mastercards from BDO, BPI, UnionBank, RCBC and more, all pulled from your savings account.
How to choose a debit card
Tie it to a free account
Pick a debit card whose underlying account has no maintaining balance.
Look for chip + EMV
Modern chip cards are required for safe in-store and online use.
Check ATM access
BancNet vs BPI ExpressNet vs Megalink. Make sure ATMs near you are covered.
Confirm online use
Some banks require enabling online transactions in-app before international use.
Disclosure: Card features, fees, and availability were last checked in June 2026 and can change without notice, so always confirm with the issuer before applying. Some links are referral links that may earn us a commission at no extra cost to you; this never affects which cards we feature or how we rank them. E-money issuers and banks here are supervised by the Bangko Sentral ng Pilipinas (BSP).