Debit Card

Avail of our dual currency debit card which can be linked to either or both of your PHP and RMB savings accounts. Here are the main features of the BOC Debit Card:

• The card may be used in local ATMs and POS terminals and in other countries aside from the Philippines and China. When transacting in the Philippines, the client’s Peso account will be debited by default. When the card is used in China, the client’s RMB account will be debited.

o Note: In the event that the balance in either account is insufficient, the other account will be debited. The transaction amount will be converted based on the rate of the day.  

• Cardholders can perform different transactions via ATMs and POS terminals such as cash withdrawals, balance inquiry, bills payment, prepaid e-loading and purchase.

• Bank of China is a BancNet Member which allows you to conveniently access your debit card through BancNet’s network consisting of 20,000 ATMs and 300,000 terminals!

• As a BancNet member, this means more affordable local transaction rates.

• Fees:
Balance Inquiry: Fees depending on the acquiring bank

Bank Balance Inquiry Withdrawal Fee
BPI Php 2 Php 18
BDO Php 2 Php 18
Metrobank Php 2 Php 18
UnionBank Php 2 Php 12
RCBC Free Free
DBP Php 2 Php 15
Security Bank Php 1 Php 10
Robinsons Bank Php 2 Php 18
Bank of Commerce Php 2 Php 15
PBCom Php 2 Php 18
UCPB Php 2 Php 15
PhilTrust Php 2 Php 15
Komo (East West) Free Free

Bills payment and e-loading: No transaction fees

Local cash withdrawal: Withdrawals at Bank of China ATMs are free of charge. While withdrawals at BancNet ATMs are charged according to the fees of the acquiring bank.

Mainland China cash withdrawal: CNY 10 + 2% of transaction

Overseas (outside of Philippines and China) cash withdrawal: PHP 100 + 2% of transaction

• Transaction Limits per day:

ATM: PHP100,000.00 (local and other countries aside from China) or 5,000.00 (China)

POS: PHP250,000.00 (local and other countries aside from China) or 50,000.00 (China)

*You have the option to assign a lower credit limit for your card.
* For the latest banking fees and charges, click here.



When you travel to Hong Kong or Macau, you can use your BOC Debit Card to enjoy various discounts from selected merchants. For further information, please click here.

Note: The offer is applicable for Bank of China Debit Cards bearing the BOC logo. Promotion period is until 31 December 2024 (unless otherwise specified). All service and promotional offers are subject to relevant Terms and Conditions. Please visit or contact the merchant for further inquiry.