withdrawing local currency overseas is a straightforward process once your card settings are correctly configured. If you are currently in Macau and need to withdraw 300 MOP (Macau Pataca) from a Banco Nacional Ultramarino (BNU) ATM using your BDO Kabayan Savings card, follow this detailed guide.
Pre-Withdrawal Checklist
Before heading to a BNU ATM:
- Enable International Access in your BDO Online App: BDO security blocks foreign transactions by default. Open the BDO Online app, navigate to Card Control, select your Kabayan card, and ensure International/Overseas Access is toggled ON.
- Verify Account Balance: Ensure your BDO account has enough PHP to cover 300 MOP, plus the foreign transaction/conversion fee and standard international withdrawal fee (typically ~$3.50 USD / ₱200).
- Locate a BNU ATM: Find any BNU ATM (commonly located across Senado Square, Cotai resort lobbies, or BNU branch fronts). Look for the Visa or Mastercard network logo matching the bottom right corner of your BDO card.
Step-by-Step Instructions at the BNU ATM
- Insert Your Card & Choose Language Insert your BDO Kabayan Debit Card into the slot. On the welcome screen, select English.
- Enter Your PIN Enter your standard 6-digit BDO ATM PIN on the keypad.
- Select Account Type Choose Savings Account on the screen.
- Choose Transaction Tap Cash Withdrawal.
- Select Currency Select MOP (Macau Pataca).
- Enter Amount Select Other Amount or Manual Input, type 300, and press Confirm.
- Bypass Dynamic Currency Conversion (Crucial Step): If the screen asks whether you want to charge your card in PHP or MOP, always choose MOP. Selecting PHP triggers Dynamic Currency Conversion (DCC), which applies unfavorable exchange rates with extra conversion markups. Choosing MOP lets BDO handle the foreign exchange rate directly.
- Collect Cash & Card Take your 300 MOP banknotes, retrieve your BDO card, and grab your transaction receipt.
Summary of Expected Fees & Exchange Rates
| Fee Component | Details |
|---|---|
| BNU Local ATM Fee | Typically Free / No Charge for international cardholders. |
| BDO International Withdrawal Fee | Standard fixed fee (approx. $3.50 USD / ~₱200) charged per overseas withdrawal. |
| Foreign Exchange Markup | BDO applies a 1%–2.5% foreign exchange assessment fee when converting MOP to PHP. |
Pro Tip: Because fixed international withdrawal fees apply per transaction regardless of amount, withdrawing larger sums at once reduces the percentage cost of foreign ATM fees.