To use your BDO Kabayan Debit Card at a BNU (Banco Nacional Ultramarino) ATM in Macau, follow this step-by-step guide and review the expected fees and tips below.
Step-by-Step Guide at BNU ATM
- Insert Your Card: Insert your BDO Kabayan card into the BNU ATM card slot.
- Select Language: Choose English (or preferred language).
- Enter PIN: Input your 6-digit or 4-digit BDO ATM PIN securely.
- Select Account Type: Choose Savings (or Checking/Default if Savings is not listed).
- Select Transaction: Select Cash Withdrawal.
- Choose Currency & Amount:
- Select your desired withdrawal amount in Macau Pataca (MOP) or Hong Kong Dollar (HKD) depending on availability at that specific ATM machine.
- Decline Dynamic Currency Conversion (DCC): If the ATM prompts you to convert the transaction to Philippine Peso (PHP) on-site, choose “Proceed in local currency (MOP/HKD)”. Allowing the local ATM to do the conversion applies higher exchange markup rates.
- Collect Cash & Card: Retrieve your cash, card, and transaction receipt.
Fees & Charges Breakdown
When withdrawing outside the Philippines, charges are applied by both BDO and foreign processing networks:
| Fee Type | Expected Charge | Details |
|---|---|---|
| International ATM Fee | US$ 3.50 (approx. ₱190–₱200) | Fixed fee charged per successful withdrawal by BDO. |
| Foreign Exchange / Cross-Border Fee | ~2.0% (1% Cross-Border + 1% FX Conversion) | Applied on top of the base network (Mastercard/Visa) exchange rate. |
| Local ATM Terminal Fee (BNU) | MOP 0 – Variable | Most standard local ATM access fees are minimal or waived, but terminal charges vary. |
| Balance Inquiry Fee | US$ 1.00 (approx. ₱55–₱60) | Charged if you check your account balance on an overseas ATM. |
Important Tips Before Withdrawing
- Enable International Access: Ensure international access/overseas transaction limits are active on your card via the BDO Online App or by notifying BDO customer service before travelling.
- Withdraw Larger Amounts at Once: Because there is a fixed US$ 3.50 fee per withdrawal, making fewer, larger withdrawals is much cheaper than multiple small transactions.
- Check Balance Online: Check your balance using the BDO Online App (free) instead of the ATM screen to avoid the US$ 1.00 balance inquiry fee.