Yes, you can absolutely withdraw cash at a BNU (Banco Nacional Ultramarino) ATM in Macau using your physical BDO Kabayan Savings debit card.
Because the BDO Kabayan card is built on international networks like Mastercard or Visa, it is widely accepted by major local Macau banks. When you perform the transaction, the ATM will automatically convert your Philippine Pesos (PHP) and dispense the cash in Macau Patacas (MOP) or Hong Kong Dollars (HKD).
🚨 Critical Step Before You Travel
Your card will be rejected if international access is turned off.
Log into your BDO Digital Banking app before trying to use the ATM.
Check your card security settings and make sure the International Withdrawal / Cross-Border flag is active.
💸 Expected Fees & Charges
Withdrawing cash overseas incurs specific international transaction costs:
- BDO International Withdrawal Fee: BDO charges a flat fee of $3.50 USD (roughly ₱200) per successful overseas ATM withdrawal.
- BDO Foreign Exchange Conversion Fees: BDO applies a 1% cross-border fee plus a 1% foreign exchange conversion fee on top of the network’s prevailing exchange rate at the time of posting.
- Macau Local Bank Fee: Good news! Major institutional bank ATMs in Macau (like BNU and Bank of China) typically do not charge a local terminal fee to foreign cardholders. Sticking to physical BNU branch ATMs helps you avoid the 15–30 MOP fees charged by private or standalone casino ATMs.
- Declined Transaction Fee: Keep an eye on your balance. If the transaction fails due to insufficient funds or typing the wrong PIN, BDO charges a $1.00 USD fee for the decline.
🏦 Step-by-Step at the BNU ATM
- Locate the ATM: Look for a physical BNU ATM displaying the Visa or Mastercard logo.
- Insert and Select Language: Insert your BDO card and choose English.
- Enter PIN: Enter your standard 6-digit BDO ATM PIN.
- Account Type: Select Savings Account.
- Transaction: Choose Cash Withdrawal.
- Select Currency: You will often be asked to choose between MOP and HKD. Always select MOP for local spending in Macau to get the best value and avoid indirect exchange loss.
- Complete: Take your local cash and your receipt.
Note: Remind your readers that the BDO Kabayan account requires at least one international remittance per year to remain active without switching to a standard account layout.
Watch: A step-by-step walkthrough on how to locate international ATMs in Macau.