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Default transaction limits for BPI Debit vary by card type and can be adjusted through BPI Online or the BPI app. For regular cardholders, the daily ATM withdrawal limit is ₱20,000 and the purchase limit is up to ₱100,000. For BPI Gold debit cardholders, these increase to ₱50,000 (withdrawals) and ₱250,000 (purchases). The e-commerce transaction limit is set at ₱20,000/day, and contactless payments are capped at ₱5,000 per tap.
BPI and UnionBank debit cards both include several levels of fraud prevention and transaction management to help keep your money safe. The BPI Debit Mastercard® contains a 6-digit PIN, a one-time password (OTP) for online purchases, the ability to block the card in real time, and optional Personal Cyber Insurance for further security (₱700/year).
UnionBank debit cards have EMV chip technology and app-based restrictions that let you set limits on how much you can spend or block your card temporarily or permanently right away.
These features make online and in-store purchases safer and give you more control over your spending.
BPI Debit Mastercard® allows free withdrawals from BPI and BancNet ATMs within the Philippines. For other local ATMs, fees may apply depending on the bank. For international ATM withdrawals, BPI charges USD 3.50 or 1.75% of the amount withdrawn (whichever is higher), plus a USD 1.00 balance inquiry fee.
UnionBank debit cards offer free local ATM withdrawals, while international ATM fees vary depending on the card type and the Visa or Mastercard network used.
Always check your bank’s website or app for updated foreign transaction fees and ATM withdrawal charges.
Yes. Both BPI and UnionBank Debit Mastercards can be used for online shopping and international transactions, as long as e-commerce access is enabled through your bank’s Card Control feature.
Before traveling or shopping online, make sure to activate international usage settings through your bank’s mobile app or online banking platform.
You can start using your debit card immediately after activation. For most banks like BPI and UnionBank, this means completing a few quick steps—such as changing your temporary PIN via the mobile app or ATM.
Once activated, your card will be ready for ATM withdrawals, online purchases, in-store transactions, and international use, depending on your card settings.
Be sure to enable features like e-commerce access and set your desired transaction limits through the Card Control function of your bank.
Both BPI and UnionBank offer digital tools to help you manage your daily transaction limits and card settings.
These features help you stay in control of your spending habits and protect your account from unauthorized use.
If your debit card is lost or stolen, act quickly to protect your account:
Enabling real-time alerts and keeping your card's e-commerce and international settings off when not in use can help reduce risk in the future.
To replace a lost or damaged BPI Debit Mastercard®, follow these steps:
Make sure to activate your replacement card by setting a new PIN before using it for ATM withdrawals or online transactions.
Yes. The BPI Debit Mastercard® supports contactless payments—also known as tap-to-pay—for transactions up to ₱5,000 per tap. This allows for faster, secure, and PIN-free purchases at contactless-enabled terminals.
For UnionBank debit cards, contactless capability depends on the specific card product. You can check your card for the contactless symbol or inquire through the UnionBank app or hotline.
Contactless debit cards offer a secure and convenient way to pay, especially for everyday purchases.
To get a debit card from either BPI or UnionBank, you need to have an active savings or checking account. Here’s how to apply:
Both banks offer hassle-free application processes, and some accounts come with a debit card issued automatically upon account opening.
Simplify your debit card search by using Finmerkado to compare various options from different providers and products.
Review the eligibility criteria for a debit card. Select the debit card that aligns with your preferences and needs.
Complete the debit card application form provided by your chosen card provider. Make sure to provide accurate and up-to-date information.
Provide essential information such as your age, income and employment.
If your application is approved, expect notification, and your credit card could be settled in around a week or more. Remember to pay the bill on time.
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