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6 Best Travel Cards for Philippines

Getting an international travel card before you travel to Philippines can make it cheaper and more convenient when you spend in Philippine Peso. You'll be able to easily top up your card in USD before you leave the US, to convert seamlessly to PHP for secure and flexible spending and withdrawals.

This guide walks through our picks of the best travel cards available for anyone from the US heading to Philippines, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

6 best travel money cards for Philippines:

Let's kick off our roundup of the best travel cards for Philippines with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from the US:

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to Philippines.

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in Philippines. Wise accounts can hold 40+ currencies, so you can top up in USD easily from your bank or using your card. Whenever you travel, to Philippines or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in PHP, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

Wise travel card pros and cons.

Hold and exchange 40+ currencies with the mid-market rate
Spend seamlessly in PHP when you travel
Some free ATM withdrawals every month, for those times only cash will do
Ways to receive payments to your Wise account conveniently
Manage your account and card from your phone
9 USD delivery fee for your first card
ATM fees apply once you've exhausted your monthly free withdrawals
Physical cards may take 14 - 21 days to arrive

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise travel card in the US:

Open the Wise app or desktop site

Select Register and confirm you want to open a personal account

Upload your ID document to complete the verification step

Tap the Cards tab to order your card

Pay the one time 9 USD fee, confirm your mailing address, and your card will be on the way, and should arrive in 14 - 21 days

Revolut travel card

Choose a Revolut account, from the Standard plan which has no monthly fee, to higher tier options which have monthly charges but unlock extra features and benefits. All accounts come with a smart Revolut card you can use in Philippines, with some no fee ATM withdrawals and currency conversion monthly, depending on the plan you pick. Use your Revolut account to hold and exchange 25+ currencies, and get extras like account options for under 18s, budgeting tools and more.

Revolut features

Revolut travel card pros and cons.

Pick the Revolut account plan that suits your spending needs
Hold and exchange 25+ currencies, and spend in 150 countries
Accounts come with different card types, depending on which you select
All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
Some account tiers have travel perks like complimentary or discounted lounge access
You need to upgrade to an account with a monthly fee to get all account features
Delivery fees may apply for your travel card
Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
Out of hours currency conversion has additional fees

How to apply for a Revolut card

Set up your Revolut account before you leave the US and order your travel card. Here’s how:

Download and open the Revolut app

Follow the prompts to confirm your address and order your card

Pay any required delivery fee - costs depend on your account type

Chime travel card

Use your Chime account and card to spend in Philippines with no foreign transaction fee. You’ll just need to load a balance in USD and then the money is converted to PHP instantly with the Visa rate whenever you spend or make a withdrawal. There’s a fee to make an ATM withdrawal out of network, which sits at 2.5 USD, but there are very few other costs to worry about. Plus you can get lots of extra services from Chime if you need them, such as ways to save.

Chime features

Chime travel card pros and cons.

No Chime foreign transaction fees
No ongoing charges for your account
Lots of extra products and services if you need them
Easy ways to manage your money online and in app
Virtual cards available
You'll need to inform Chime you're traveling to use your card abroad
Low ATM limits
Cards take 7 - 10 days to arrive by mail

How to apply for a Chime card

Here’s how to apply for a Chime account and order a travel card in the US:

Visit the Chime website or download the app

Click Get started and add your personal details

Add a balance

Your card will be delivered in the mail and you can use your virtual card instantly

Monzo travel card

Monzo cards can be ordered easily in the US and used for spending in Philippines and globally. Monzo accounts are designed for holding USD only - but you can spend in PHP and pretty much any other currency easily, with no foreign transaction fee. Your funds are just converted using the network exchange rate whenever you pay or make a withdrawal.

Monzo doesn’t usually apply ATM fees, but it’s worth knowing that the operator of the specific ATM you pick may have their own costs you’ll need to check out.

Monzo features

Monzo travel card pros and cons.

Good selection of services available
No foreign transaction fee to pay
No Monzo ATM fee to pay
Manage your card from your phone conveniently
Deposits are FDIC protected
You can't hold a foreign currency balance
ATM operators might apply their own fees

How to apply for a Monzo card

Here’s how to apply for a Monzo account and order a travel card in the US:

Visit the Monzo website or download the app

Click Get Sign up and add your personal details

Check and confirm your mailing address and your card will be delivered in the mail

Netspend travel card

Netspend has a selection of prepaid debit cards you can use for spending securely in Philippines. While these cards don’t usually let you hold a balance in PHP, they’re popular with travelers as they’re not linked to your regular checking account. That increases security overseas - plus, Netspend offers virtual cards you can use to hide your physical card details from retailers if you want to.

The options with Netspend vary a lot depending on the card you pick. Usually you can top up digitally or in cash in USD and then spend overseas with a fixed foreign transaction fee applying every time you spend in a foreign currency. You’ll be able to view the terms and conditions of your specific card - including the fees - online, by entering the code you’ll find when your card is sent to you.

Netspend features

Netspend travel card pros and cons.

Large selection of different card options depending on your needs
Some cards have no overseas ATM fees
Prepaid card which is secure to use overseas
Manage your account in app
Change from one card plan to another if you need to
You may pay a monthly fee for your card
Some cards have foreign transaction fees for all overseas use, which can be around 4%
Selection of fees apply depending on the card you pick

How to apply for a Netspend card

Here’s how to apply for a Netspend account and order a travel card in the US:

Visit the Netspend website

Click Apply now

Complete the details, following the onscreen prompts

Get verified

Your card will arrive by mail - add a balance and activate it to get started

PayPal travel card

PayPal has a debit card you can link to your PayPal balance account, to spend in Philippines as well as locally, in person and online. One advantage of PayPal is that there are lots of easy ways to add money in USD - but bear in mind that when you spend in PHP you’ll likely pay a foreign transaction fee of 2.5%. ATM fees apply when you make out of network withdrawals, too, which can push up the costs depending on how you use your card.

PayPal travel cards aren’t connected to your checking account which makes them a handy and secure way to spend, particularly if you already have a PayPal balance account.

PayPal features

Paypal travel card pros and cons.

Globally accepted card
Easy ways to top up your PayPal balance including cash and check
Popular and reliable provider
Use your card for spending online easily as well
2.5 USD fee for out of network ATM withdrawals
2.5% fee when you spend in a foreign currency
Other charges may apply depending on how you fund and use your account

How to apply for a PayPal card

Here’s how to apply for a PayPal account and order a travel card in the US:

Visit the PayPal website or download the app

Click Get Sign up or log into your existing account

Add your personal details to create an account, or tap Request a card if you already have a PayPal account

Follow the prompts to order your card

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your United States Dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

Travel debit cards
Travel prepaid cards
Travel credit cards

They all have distinct benefits when you head off to Philippines or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app or on the web.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to Philippines. While each travel card is a little different, you'll usually find some or all of the following benefits:

Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
Travel cards are secure as they're not linked to your everyday USD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for Philippines

We've picked out 6 great travel cards available in the US - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for Philippines include:

What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
Does the card support a good range of currencies? Getting a card which allows you to hold and spend in PHP can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences.

What makes a good travel card for Philippines

The best travel debit card for Philippines really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it’s the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you’re paying when you spend in PHP.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It’s also important to look into the security features of any travel card you might pick for Philippines. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

When you’re planning your trip to Philippines, bear in mind that cash is still a primary payment method, and many merchants and public service providers won’t accept a card. You’ll want a travel card which allows low cost cash withdrawals so you’ve always got some PHP in your pocket - and you can also keep hold of your card as a convenient back up in case of emergency too. Choose a card with no ongoing fees and no inactivity costs, so you can use it for your next trip abroad to get the most possible use out of it.

Ways to pay in Philippines

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In Philippines cash is a very popular payment method. While you may find cards are accepted in major hotels and chain stores or very busy tourist areas, many merchants prefer cash. Make sure you’ve always got some PHP in cash in your wallet by making ATM withdrawals with your travel card whenever you need to.

Which countries use PHP?

You’ll find that PHP can only be used in Philippines. If you don’t travel to Philippines frequently it’s worth thinking carefully about how much to exchange so you’re not left with extra foreign currency after your trip. Or pick a travel card from a provider like Wise or Revolut which lets you leave your money in USD and convert at the point of payment with no penalty.

What should you be aware of when travelling to Philippines

You’re sure to have a great time in Philippines - but whenever you’re travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you’re been to Philippines before it’s worth looking up the most recent entry requirements so you don’t have any hassle on the border

2. Cash is a widespread payment method - so you’ll need some PHP in your pocket when you travel to Philippines. You can sort out your travel money by visiting an exchange office here in the US, or you can wait until you arrive and make an ATM withdrawal in PHP at the airport when you land. Bear in mind that currency exchange at exchange offices at the airport, either in the US or in Philippines can be expensive - so if you’re carrying USD in cash and need to exchange it, head into a town centre to do so.

3. Get clued up on any health or safety concerns - get travel insurance before you leave the US so you have peace of mind. It’s also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don’t offer fair prices or adequate services.

Conclusion - Best travel cards for Philippines

Ultimately the best travel card for your trip to Philippines will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

FAQ - best travel cards for Philippines

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like the Wise and Revolut card options - have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise, Revolut and Monzo.

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others like Wise and Revolut, let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in Philippines.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their USD / PHP rate to calculate how much Philippine Peso you would receive when exchanging / spending $4,000 USD. The card provider offering the most PHP is displayed at the top, the next highest below that, and so on.

The rates were collected at 15:54:21 GMT on 19 February 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

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Money in the Philippines

ATMs, Credit Cards, Traveler's Checks, and Tips for Philippine Money

TripSavvy / Marina Li

Managing money in the Philippines while traveling is simple enough, however, there are a few caveats of which you should be aware.

As when entering any new country for the first time, knowing a little about the currency beforehand helps to avert scams that target newbies .

The Philippine Peso

The Philippine peso (currency code: PHP) is the official currency of the Philippines. The colorful notes come in denominations of 20, 50, 100, 200 (not common), 500, and 1,000. The peso is further divided into 100 centavos, however, you'll rarely deal with or encounter these fractional amounts.

Prices in Philippine pesos are denoted by the following symbols:

"₱" (official)

Currency printed before 1967 has the English word "peso" on it. After 1967, the Filipino word "piso" (no, it isn't referring to the Spanish word for "floor") is used instead.

U.S. dollars are sometimes accepted as an alternative form of payment and work well as emergency cash. Carrying U.S. dollars while traveling in Asia is a good idea for emergencies. If paying a price quoted in dollars rather than pesos, know the current exchange rate .

Tip: While traveling in the Philippines, you'll end up with a pocketful of heavy coins, usually 1-peso, 5-peso, and 10-peso coins — keep them! Coins come in handy for small tips or paying jeepney drivers.

Banks and ATMs in the Philippines

Outside of larger cities, functioning ATMs can be frustratingly difficult to find. Even on popular islands such as Palawan, Siquijor , Panglao, or others in the Visayas, there may only be one international-networked ATM located in the main port city. Err on the safe side and stock up on cash before arriving on smaller islands.

Using ATMs attached to banks is always the safest. You stand a much better chance of recovering a card if it is captured by the machine. Also, ATMs in lit areas near banks are less likely to have a card-skimming device installed by thieves. Identity theft is a growing problem in the Philippines.

Bank of the Philippine Islands (BPI), Banco de Oro (BDO), and Metrobank usually work best for foreign cards. Limits vary, but many ATMs will only dispense up to 10,000 pesos per transaction, and up to 50,000 pesos per account, per day. You may be charged a fee of up to 200 pesos per transaction (around US $4), so take as much cash as possible during each transaction.

Tip: To avoid ending up with only 1,000-peso banknotes which are often difficult to break, end your requested amount with 500 so that you at least receive one 500-peso note (e.g., ask for 9,500 rather than 10,000).

Traveler's Checks in the Philippines

Traveler's checks are rarely accepted for exchange in the Philippines. Plan on using your card in ATMs to get local currency.

For additional security , diversify your travel money. Bring a few denominations of U.S. dollars and hide a $50 inside a very unlikely place (get creative!) in your luggage.

Using Credit Cards in the Philippines

Credit cards are mostly only useful in bigger cities such as Manila and Cebu. They'll also work in busy tourist areas such as Boracay .

Credit cards come in handy for booking short domestic flights and for paying in upscale hotels. You can also pay for diving courses by credit card. For daily transactions, plan to depend on cash. Many businesses charge an extra commission of up to 10% when you pay with plastic.

MasterCard and Visa are the most accepted credit cards in the Philippines.

Tip: Remember to notify your ATM and credit card banks so they can place a travel alert on your account, otherwise they may deactivate your card for suspected fraud.

Hoard Your Small Change

Acquiring and hoarding small change is a popular game in Southeast Asia that everyone plays. Breaking large 1,000-peso notes — and sometimes 500-peso notes — fresh from the ATM can be a real challenge in small places.

Build up a good stock of coins and smaller denomination bills for paying drivers and others who often claim not to have change — they hope you will let them keep the difference. Using large denomination notes on buses and for small amounts is considered bad form.

Always try to pay with the largest banknote that someone will accept. In a pinch, you can break large denominations in busy bars, fast food restaurants, some minimarts, or try your luck in a grocery or department store.

Haggling is the name of the game for much of the Philippines. Good negotiation skills will go a long way to helping you to save money.

Tipping in the Philippines

Unlike the etiquette for tipping in much of Asia , the rules for tipping in the Philippines are a little murky. Although gratuity generally isn't "required," it is greatly appreciated — sometimes even expected — in many circumstances. In general, try to reward people with a small token of appreciation who go the extra mile to help you out (e.g., the driver who carries your bags all the way to your room).

It is common to round up fares for drivers and maybe even give them a little something extra for friendly service. Don't tip taxi drivers who initially balked at your request to turn on the meter . Many restaurants tack a 10 percent service fee onto bills, which may or may not simply be used to pay the staff's low salary. You can leave a few extra coins on the table to show thanks for great service.

As always, choosing whether to tip or not requires a bit of instinct that comes with time. Always filter the choice through the rules of saving face to ensure that no one is caused embarrassment.

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Multi-currency Philippine Peso card

Travelling from Australia to Philippines? Spend effortlessly in Philippine Pesos (PHP) with a multi-currency card.

40+ million worldwide customers use Revolut

Revolut offers so much more than a travel card. Exchange currencies, send money abroad, and hold 30+ local currencies in-app. These are just some reasons why our customers rely on us for their travel spending.

How can I spend in Philippine Pesos with a multi-currency card?

How to get your multi-currency card

Get your card and spend in Philippine Pesos

Get revolut.

Join 40+ million people worldwide saving when they spend abroad with Revolut.

Order your card

Order your multi-currency card. Top up your balance in AUD or 30+ other currencies.

Spend like a local

Start spending in Philippine Pesos.

Why should I get a multi-currency Philippine Peso card?

Where is the multi-currency Philippine Peso card available?

Spend confidently in Philippine Pesos with your multi-currency card

Trusted by travellers

How to save money when spending in Philippine Pesos

Tips for saving money in Philippines

Don't exchange at airports or at home.

No need to exchange cash before you travel — use your travel money card to spend or withdraw money from an ATM.

Choose PHP as the local currency

Choose the local currency when spending with your card in shops and restaurants.

Save with a travel money card

Spend in Philippine Pesos like a local.

How to avoid unwanted ATM fees

Need to make PHP withdrawals in Philippines?

Philippine Peso ATM withdrawals with no Revolut withdrawal fee¹

No revolut atm fees for withdrawals up to a$350, or 5 withdrawals per rolling month, no revolut atm fees for withdrawals up to a$700 per rolling month, no revolut atm fees for withdrawals up to a$1,400 per rolling month.

What are you waiting for?

Spend in Philippine Pesos when you travel with your multi-currency card

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Need a little more help?

Multi-currency Philippine Peso card FAQs

Is it better to use a travel money card rather than cash in philippines.

There is no 'best' way to spend in Philippines, but here are some tips to help you save money:

Don’t exchange cash at the airport. It may be cheaper to withdraw money from an ATM in Philippine Pesos with your multi-currency card.
Don't carry more cash than you need. When you return home from Philippines, you’ll have to re-convert this cash back to AUD.
Always choose PHP as the local currency when spending with your card in shops and restaurants.
Download the Revolut app, then sign up to get instant notifications on what you spend and manage your balance.

Are travel money cards safe and secure?

Where can i spend in php with my multi-currency card, how much can i pay using my multi-currency philippine peso card, how can i avoid unwanted atm fees in philippines.

There are tons of benefits to spending in Philippine Pesos with your multi-currency card. Let’s look at a few:

Send and spend in Philippine Pesos and 150+ other currencies, with a great exchange rate and low fees.
No need to exchange or carry cash. Pay in Philippine Pesos with your multi-currency card, either contactless or with chip and PIN.
No need to wait for your physical card to arrive. Instantly add your card to Google Pay or Apple Pay.
Create single-use virtual cards for safe online shopping or travel bookings.
Enjoy no-cost ATM withdrawals up to A$1,400 monthly, depending on your plan.
Get instant payment notifications to keep track of how much you spend.
Stay in control of your card’s security, with card freezing and spending limit controls.
Easily manage your spending around the world with the free Revolut app.

How do I get a multi-currency card to spend in Philippine Pesos?

To order your Revolut debit card and start spending in Philippine Pesos, simply:

Download the Revolut app for free on your Android or iPhone and sign up.
Get your card in the post or add it to Google Pay or Apple Pay to use it immediately.
Start spending like a local in Philippine Pesos.

The content of this page is for general information purposes only and does not constitute financial advice. If you have any questions about your personal circumstances, please seek professional and independent advice. Revolut is not a financial adviser. ¹Withdraw cash from an ATM using your Revolut card at no cost, up to the limits of your plan. After you hit these limits, we charge a small fee. Currency exchange fees, third-party fees, and monthly account fees may apply. If you’re withdrawing from an ATM in a currency you don’t hold in your wallet, this will involve a conversion. Exchange fees above your conversion limits will also apply for that conversion. You may also be charged a fee by the ATM owner when you withdraw funds. ²Canstar 2023 Outstanding Value, Travel Money Card award received June 2023 for Standard and Premium accounts.

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3 Best Travel Cards for Philippines

Getting an international travel card before you travel to Philippines can make it cheaper and more convenient when you spend in Philippine Peso. You'll be able to easily top up your card in CAD before you leave Canada, to convert seamlessly to PHP for secure and flexible spending and withdrawals.

This guide walks through our picks of the 3 best travel cards available for anyone from Canada heading to Philippines, like Wise, BMO or KOHO. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

3 best travel money cards for Philippines:

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in Philippines. Wise accounts can hold 40+ currencies, so you can top up in CAD easily from your bank or using your card. Whenever you travel, to Philippines or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

Wise features

Wise travel card pros and cons.

Hold and exchange 40+ currencies with the mid-market rate
Spend seamlessly in PHP when you travel
Some free ATM withdrawals every month, for those times only cash will do
Ways to receive payments to your Wise account conveniently
Manage your account and card from your phone
ATM fees apply once you've exhausted your monthly free withdrawals
Physical cards may take 14 days to arrive (you can use your virtual card right away)

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise travel card in Canada:

Open the Wise app or desktop site

Select Register and confirm you want to open a personal account

Upload your ID document to complete the verification step

Tap the Cards tab to order your card

Confirm your mailing address, and your card will be on the way, and should arrive in 14 days

BMO travel card

If you’re looking for a card from a major bank for spending in Philippines, you may be considering BMO. There are a few different card options which may appeal to travellers, including a prepaid card which allows you to top up in CAD and spend in PHP with a foreign transaction fee. This is a useful product when overseas as it’s not linked to your normal bank account - but the fees do push up costs overall.

Alternatively, check out the BMO credit card options - these are helpful if you want to spread the costs of your travel over a few months, but can also come with their own fees and charges.

BMO features

Bmo travel card pros and cons.

Selection of cards including credit and prepaid options
Not linked to your everyday account which can be more secure when spending overseas
Various perks available depending on the card you pick
Full range of banking services available
2.5% foreign transaction fee for prepaid card
6.95 CAD annual fee for prepaid card - credit cards are also likely to have an annual fee
ATM fees and cash advance charges apply

How to apply for a BMO card

Here’s how to apply for a BMO account and order a travel card in Canada:

Visit the BMO website or app

Select the card you want - for a prepaid Mastercard there’s no credit check, spo ordering is quick and easy

Tap Apply now and complete the details as prompted

Pay any annual fee required

Your card will be mailed to you

KOHO travel card

KOHO has several different cards which could be handy for spending in Philippines. There are basic KOHO card options which have a foreign transaction fee of 1.5%, or you can choose to upgrade to a card with a monthly fee which may mean your foreign transaction fee is either waived or reduced. You’ll need to top up a balance in CAD, and there’s no option to switch over to PHP before you travel - but you can easily keep an eye on all your transactions and the applied exchange rates in the KOHO app.

KOHO features

Koho travel card pros and cons.

Various cards available depending on your needs
Widely accepted
Some accounts offer extra perks like no foreign transaction fee or cash back
Virtual cards available
1.5% foreign transaction fee for the basic card
ATM fees apply when overseas, which vary depending on the ATM operator
Some accounts have monthly fees

How to apply for a KOHO card

Here’s how to apply for a KOHO account and order a travel card in Canada:

Visit the KOHO website or app

Select the card you want to apply for

Tap Open account and complete the details as prompted

Your card will be mailed to you once your account has been verified and any required fee has been settled

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your Canadian dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

Travel debit cards
Travel prepaid cards
Travel credit cards

They all have distinct benefits when you head off to Philippines or elsewhere in the world, but they do work a bit differently.

What is a prepaid travel money card best for?

Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
Travel cards are secure as they're not linked to your everyday CAD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for Philippines

We've picked out 3 great travel cards available in Canada - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for Philippines include:

What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
Does the card support a good range of currencies? Getting a card which allows you to hold and spend in PHP can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences. If you're looking for a low cost card with the mid-market rate, which you can use in 150+ countries, the Wise card may be a good fit. If you'd prefer to pay a monthly fee to get higher no-fee transaction limits, take a look at Wise. And if you need to get a card in a hurry, check out a travel card from a provider with a physical branch network, or your high-street bank.

What makes a good travel card for Philippines

The best travel debit card for Philippines really depends on your personal preferences and how you like to manage your money.

Ways to pay in Philippines

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

Which countries use PHP?

You’ll find that PHP can only be used in Philippines. If you don’t travel to Philippines frequently it’s worth thinking carefully about how much to exchange so you’re not left with extra foreign currency after your trip. Or pick a travel card from a provider like Wise or KOHO which lets you leave your money in CAD and convert at the point of payment with no penalty.

What should you be aware of when travelling to Philippines

2. Cash is a widespread payment method - so you’ll need some PHP in your pocket when you travel to Philippines. You can sort out your travel money by visiting an exchange office here in Canada, or you can wait until you arrive and make an ATM withdrawal in PHP at the airport when you land. Bear in mind that currency exchange at exchange offices at the airport, either in Canada or in Philippines can be expensive - so if you’re carrying CAD in cash and need to exchange it, head into a town centre to do so.

3. Get clued up on any health or safety concerns - get travel insurance before you leave Canada so you have peace of mind. It’s also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don’t offer fair prices or adequate services.

Conclusion - Best travel cards for Philippines

FAQ - best travel cards for Philippines

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like the Wise card - have some no fee ATM withdrawals every month, which can help keep down costs.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others like Wise let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in Philippines.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their CAD / PHP rate to calculate how much Philippine Peso you would receive when exchanging / spending $5,000 CAD. The card provider offering the most PHP is displayed at the top, the next highest below that, and so on.

The rates were collected at 15:54:21 GMT on 19 February 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

Send international money transfer

More travel card guides.

Guide to Travel Bank Cards in the Philippines for E-prepaid and Credit Cards: What's the best bank account for travelling abroad ?

One of the most important aspects of traveling is your finances. It’s role is so big that it can make or break a trip. Which is why it is crucial that you choose the right financial tools available in the market to help you get the best deals without breaking the bank.

In the Philippines, different banks offer different tools for people like me who love to travel. Banks offer credit cards with miles reward for every use so you can earn free trips, there are also some who offer prepaid credit cards which you can use for booking stuff online which is the most convenient way nowadays. In this article, I will show you a few of the most travel-friendly banks in the Philippines and how to choose the best credit card or e-prepaid card for your travels abroad .

1. Bank of the Philippine Islands (BPI)

Amore Visa Prepaid

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BPI offers Amore Prepaid Card which is a prepaid credit card powered by Visa! You can use this card both here and abroad and can be reloaded for up to P100,000.00. You can apply for as low as P200.00 for the Amore Visa Prepaid PayWave and only P250 for the Amore Visa Prepaid Beep, at any BPI branch. Just fill up the online application form here and have your card ready for pick at your chosen branch!

You may also avail of the card at any of the following Ayala Malls Concierge:

TriNoma (located at ground floor near McDonald’s)

Alabang Town Center (upper ground floor, Activity Center)

Glorietta 3 (ground floor, beside Cinderella)

Market! Market! (ground floor near Lighters Galore)

Ayala Center Cebu (ground floor, rotunda area)

All you have to bring is 1 valid government issued identification card and you the fee and you’re good to go! This card is valid for 4 years and does not have any required maintaining balance and may be reloaded through over-the-counter transaction or through their BPI Online Service and BPI Mobile App. Such a breeze right?

BPI SkyMiles Mastercard

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BPI SKyMiles Mastercard , on the other hand, is a credit card offer in partnership with Delta Air. This is BPI’s response “to the needs of the aspiring and frequent global travelers”. Cardholders automatically earn miles as they spend anywhere using their card. Every P45 spent earns one (1) SkyMiles miles, which means that the more you shop using a BPI SkyMiles card, the more miles you’ll earn which can used to travel to over 900 cities, 160 countries at 6 continents through Delta Air Lines and its SkyMiles Airline partners (the airfare must be charged to this card to claim the miles).

To apply, one must have an annual income of P180,000.00, with Income Tax Return (ITR) as proof, and filled up application form which you can fill up online here ! Another bonus this card gives is that the SkyMiles are transferable so you can gift it to a loved one if you want to! Ain't that nice?!

2. EastWest Bank

EastWest Prepaid Card

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For an application fee of only P100.00, EastWest Bank offers a prepaid Visa credit card that would allow you to pay for dining, shopping, fuel, groceries, utility bills and online purchases. For as long as the merchant or establishment that you are transacting with accepts VISA as a payment option, whether here or abroad, you will be able to use your Prepaid Card for payment. This card may be reloaded at any EastWest Bank branch without any extra fee.

To apply, All you need to do is visit any EastWest Bank store and follow the simple steps below:

Approach an EastWest sales officer and inquire about the Prepaid Card.

Fully accomplish an EastWest Prepaid Card application form.

Present at least one (1) valid government issued identification card.

Pay a minimal card application fee of P100.

Load your Prepaid Card with any amount between Php 100 to Php 100,000 and it will be credited to your prepaid card for immediate use.

EastWest Travel Money Card

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Another offering from EastWest Bank is its Travel Money Card which is a multi-currency card. Yes, you can load up to six different currencies in just one card - US Dollar, Euro, British Pound, Hong Kong Dollar, Australian Dollar and Japanese Yen! Awesome, right? Oh, did I also mention that they exchange rate is locked-in for the currencies you have loaded. No need to worry about fluctuating exchange rates or to look for money exchange counter to give you the best deal on your rates. You can also withdraw in local currencies from all VISA-affiliated ATMs abroad. So so so great!

To apply for one, just visit any EastWest branch and follow the simple steps below:

Fully accomplish the EastWest Travel Money application form.

Present at least one (1) government-issued identification card.

Pay a card application fee of P500.00

Load your card with any of the six currencies purchased from EastWest.

To reload, you must personally visit any EastWest bank branch and fill out Purchase of Foreign Currency Application form and present this to the assigned EastWest personnel together with one (1) valid government-issued identification card.

3. UnionBank

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UnionBank GetGo Rewards Card is in partnership with Cebu Pacific. Every P30.00 spent awards you with 1 GetGo point which you can accumulate and use to book discounted flights with Cebu Pacific! Cardholders are also treated to exclusive seat sale promos and early alerts for cheap flights! You just have to fill up the application form online and upload a government issued ID and ITR here !

4. Philippine National Bank (PNB)

Traveler - Friendly Banks in the Philippines5.jpg

Probably the most generous among the cards here is PNB’s Mabuhay Miles Master Card. Once you’re approved, PNB will give you a 2,000 Mabuhay Miles as a welcoming gift! Mabuhay Miles can be used to book domestic and international flights with the Philippine Airlines. And that’s not all, once you reach P100,000.00 worth of transaction with Philippine Airlines, you will be rewarded an additional 10,000 Mabuhay Miles! Additional travel perks include exclusive 5% discount on select PAL international flights, with P30.00 to 1 Mabuhay Miles point ratio!

5. Banco De Oro (BDO)

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Banco De Oro is the largest bank in the Philippines (in terms of assets) and one of their offerings is a Mastercard Cash Card which is a prepaid credit card that can be used both in the Philippines and abroad! You can get one with these few simple steps:

Get your card for only P150

No need to open a Checking or Savings Account

No minimum maintaining balance

Available at any BDO branch nationwide

The Cash Card is reloadable at any BDO branches nationwide or through their BDO Mobile App with only a minimum fee of P15.00 for every cash reload.

6. Philippine Savings Bank (PSBank)

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Another prepaid card that you can use is PS Bank’s Prepaid Mastercard which you can use to book flights and hotel rooms online! Just reload at any PS Bank branches nationwide or through PS Bank online and you’re good to go! To apply, just comply with the following requirements:

Completely filled-out bank forms:

Customer Information Sheet (CIS) for Individual Clients

Signature Card

Signing Instructions and Acknowledgement of Receipt

Presentation of at least one (1) primary ID or two (2) valid secondary IDs, one of which with photo and signature.

7. Metrobank

Traveler - Friendly Banks in the Philippines8.jpg

Metrobank’s YAZZ card is a prepaid Visa card that can be used to shop at accredited VISA establishments worldwide including internet transactions. The YAZZ Reloadable VISA Card is available in all CD-R King, Family Mart, National Bookstore, Robinsons Department Store and at the SM Store, SM Hypermarket, SM Supermarket and SM Savemore. Convenient? Yasssss!!!

SWIPE RESPONSIBLY!

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There you go! Choose from these options the best partner for your next travel! A little reminder though that having a credit card is a responsibility, so swipe responsibly!

Compare rates and fees for your money transfers.

Read our range of money transfer and banking guides.

Reviews and comparisons of the best money transfer providers, banks, and apps.

Helpful tools to ensure you get the best rates on money transfers.

A Guide to Travel Money Cards

Often deemed the cheapest way to spend money abroad , travel money cards are deemed a failsafe option for many travellers. Given the rapid growth of the financial services sector, we want to find out if travel money cards are still as cutting edge as they once were, by comparing them to the new alternatives. Our job is to identify the best international money transfer services and payment providers in the industry: will travel money cards make the cut?

What are travel money cards?

Travel money cards are a popular payment method for individuals headed abroad. Customers will load funds onto the card, using the money as foreign currency when overseas, much like a debit card is used at home. Also known as travel money prepaid cards or currency cards, they facilitate free foreign transactions and overseas ATM withdrawals.

We recommend finding a travel money card which lets you lock-in a favourable exchange rate and supports multiple currencies on one card, to make sure you are securing a flexible and cost-effective deal.

How do you use a travel money card?

Using a travel money card should be straightforward and stress-free. Simply load funds onto the card before you leave, and once abroad, you will be able to reload funds and change currencies using the website or associated money transfer app . The card can be used to make withdrawals, in-store purchases and book travel arrangements.

Where can I get a travel money card?

Travel money cards are available from different retailers and can be purchased and preloaded online, over the phone or in-store, depending on the brand. In the UK, popular brands include Travelex and the Post Office.

Where can I use a travel money card?

Again, this depends on the brand and where you get your money travel card from. Available currencies vary from card to card but commonly used currencies include US Dollars, UK Pound sterling, Euros, Japanese Yen and New Zealand Dollars. Make sure you check with the provider before ordering a travel money card.

How secure are travel money cards?

Generally, travel money cards are considered a lot safer than handling multiple currencies in cash, or travellers cheques, as your provider will be able to cancel it if need be. Furthermore, some of the best travel money cards employ an equivalent level of security to traditional debit cards, including a PIN code, touch ID and face recognition.

Many consider it safer to use a travel money card abroad than a debit card, as they are not associated with your bank account and therefore cannot be linked if lost or stolen.

Travel money cards vs. Credit cards: What is the difference?

One of the biggest advantages of using a travel money card is that your chosen currency is preloaded before you arrive in the foreign country and you won’t be charged conversion fees. This means you are able to benefit from the most favourable exchange rates, locking it in ahead of time and using the funds at a later date.

Most people who use their credit card abroad do it because it is more convenient. The cost of this convenience, however, can sometimes amount to 3 - 5% per use, depending on the transaction and financial institution. Making a foreign ATM withdrawal with your credit card can incur flat-fees of $5 and up, each time.

This being said, there are some excellent traveller credit cards on the market, so we would recommend users compare exchange rates and transfer fees offered by each provider before making a decision on which card is more beneficial.

If you're planning on using your credit card, we suggest you take a look at our credit card wire transfer guide.

What are the alternatives to travel money cards?

Multi-currency accounts.

International money transfer companies are often tailoring their products and services to meet the needs of their customers. Wise , offers a multi-currency account designed with “international people" in mind. This savvy travel credit card is aimed at frequent flyers who want to spend in various currencies in over 200 countries. Wise is a reliable company to trust with your overseas spending habits.

Challenger banks

More and more alternative service providers are popping up around the world, many of them offering reputable banking features for the modern traveller. In a bid to distinguish themselves from traditional banks, challenger banks are scrapping fees on foreign exchange and international spending. Monzo customers, for example, can benefit from free international ATM withdrawals as well as fee-free spending overseas.

We hope this guide to travel money cards has enlightened you and helped you make a decision about whether this is a suitable payment method for your next trip overseas. We appreciate the value of your hard-earned cash and want all our customers to benefit from the best possible rates when dealing with international payments. Use our comparison tool today to make sure you are offered the most desirable exchange rate for your currency.

Contributors

April Summers

Peso Lab - Money Guide for Filipinos

Top Visa Mastercard Prepaid Cards Philippines

Prepaid cards are gaining more and more popularity. They’re easy to acquire and convenient to use. You can use them to pay in booking your flights, dining and shopping cashless, making purchases online, and buying tickets without the hassle of background check of credit cards. They’re accepted as payment in many stores especially online and/or those that are located abroad.

So what is it a prepaid card and how can you get one? And how is it different from other cards issued by Philippine banks such as a gift card or credit card? This article is going to talk about why it can be another seamless payment option for your many purchases in virtual or physical business establishments.

What is a Prepaid Card?

A prepaid card has the convenience of the debit card and credit card as an acceptable mode of payment in leading stores and businesses nationwide and internationally without the hassle of opening an account of the former and the background check of the latter. It comes in varieties that bear different payment gateway logos such as BancNet, Mastercard and Visa. Hence, it can be utilized to pay bills and cashless shopping in stores or wherever electronic payments are accepted like restaurants, groceries, parks, booking flights, department stores, amusement centers, e-commerce websites, etc.

It is similar to a gift card. The only difference is that it is reloadable multiple times and the only way it can be rendered useless is when it has reached the expiry date. See below the table that spells out the difference between these cards.

How to Buy and Use the Prepaid Card?

You can purchase prepaid card from banks. Others are offered by businesses such as GCash, PayMaya, Smart Money, PayPal and Cebu Pacific. Purchase cost can vary. To be able to use it, you need to put money into it at the outlet, branch via over-the-counter transaction, through deposit ATM (such as the yellow machines of BPI for instance), phone banking or through internet banking via online electronic fund transfer from your bank account.

Once it’s funded, it can now be used as mode payment and can be re-loaded when the balance gets nearly depleted. It can be used in card swipe machine found in point-of-sale (POS) terminals in grocery and shops. And online when you’re booking flights or paying for services, you’d be required to input the information on the card.

Account number

To keep track of the remaining balance on the card, banks might have an online link or SMS notification where you can make a quick balance inquiry. Alternatively, some banks allow you to know the balance via an ATM, through bank inquiry, or calling a dedicated customer service hotline.

Advantages of Prepaid Cards

What are the benefits when you have a prepaid card?

Easy purchase . You can buy a prepaid card from your preferred bank that issue them. A bank account is not necessary, so there are no background checks or documents that are required. Generally, you’ll be asked to present at least one valid identification card . The transaction usually takes minutes, and the card can be had within days or weeks depending on your location and the bank’s turnaround time.
Reload . If your bank offers and has a robust online portal, loading the card with funds may be easy. You can just transfer money from your bank account to your card. No need to go a bank or use an ATM. Another popular choice is to go to loading stations.
No maintaining balance . The card is not tied to a deposit account. There is no required maintaining balance so you’re not penalized with any charges when the fund falls below a certain level. And it can go on stretches of time that it has minimal or does not have any amount in it (zero balance) without incurring any fees.
Convenience . It is very easy because you don’t have bring around wads of bills especially when you’re about to purchase big-ticket items. Besides, it is a good (and in a few situations even better) cash substitute. It is durable and easily fits in wallets and pockets. Many businesses accept them as payment.
Widely accepted. The prepaid card, depending on the BancNet, Visa or Mastercard logo, is an accepted form of payment in many virtual or real business establishments. Just make sure that your fund is enough or exceeds the amount of the product or service you’re about to purchase.
Rebates and perks. Some prepaid cards allow you to accumulate points in exchange for rebates, perks, and other privileges.

Disadvantages of Prepaid Cards

And what are the risks and disadvantages when using prepaid cards?

Withdrawal issues. By the time your money is loaded into it, either you get charged when you want to get it back or you’re not allowed to convert it back to cash, and the only way to use your fund is to spend it.
Expiry . It is only valid up to a certain number of years. Others also charge an amount on third and fourth year of validity. Once it expires, it loses the ability to transact. Any remaining balance can be transferred over to a new card subject to terms and conditions.
Purchase cost . You can purchase the prepaid card from the banks or any participating retailers at a cost. Upon the card’s expiry, it cannot be renewed. Instead, a new card has to be purchased.
Transaction fees . It has many miscellaneous fees on various transactions. There can be a loading fee whenever you put money into it, withdrawal charges when you get the money back, a fee when you want to know its remaining balance, etc. Aside from that, there may be fees associated with purchases made on stores from abroad, and that’s on top of paying whatever is currency exchange rate at the time of transaction
No interest . Because it is not considered a bank account, its balance does not earn any interest and is not covered with insurance through the Philippine Deposit Insurance Corporation.
Loading limit . You’re restricted from putting too much money into it. Some cards allow balances from ₱10,000 up to ₱100,000, which then makes it necessary to reload. This can be an issue with frequent big purchases that deplete the balance quickly.

What is the Cheapest Prepaid Card?

Which prepaid cards are free? As indicated in the table below, the cost of getting PSBank Prepaid Mastercard and PNB Prepaid Mastercard is zero as it is waived when you load it up with at least ₱500 initial fund. Five other cards can be acquired for ₱100: EastWest Prepaid Card, Equicom Cash Card, LANDBANK Cash Card, SMART Money Card and UCPB VISA eMoney Card.

Which Prepaid Card Does not Allow Withdrawal?

Of all the prepaid cards, only BPI Amore Visa Card does not have the functionality to allow funds to be withdrawn via ATM or over-the-counter transaction.

Top Prepaid Cards in the Philippines

The prepaid cards that are included in this article are those cards that bear either Visa or Mastercard. They’re issued by banks and other financial institutions such as GCash, USSC, PayMaya, and Bayad Center. Some of them have functionalities that are extended beyond bills payment and cashless shopping.

Most of them can be used as ATM card with the ability to withdraw funds, as loyalty card, and as rewards card. These cards are arranged in alphabetical order.

1. Bayad Center Card

The Bayad Center Card is a Visa logo-bearing card that you can purchase at any Bayad Center location nationwide for ₱110. It is multi-functional. As a loyalty card, you can earn points for when paying bills (1 point per bill payment). As a rewards card, you can enjoy rewards, discounts, and other perks in many business establishments. When link to a PayMaya account, you can use it to send/receive money from other Bayad Center cardholders as well as withdraw from any BancNet ATMs. And lastly, it can be used as payment wherever Visa is accepted.

How to get the Bayad Center Card

Prepare ₱110 and valid ID.
Visit any Bayad Center branch .
Fill out the form, load up the card with funds and you can already use it.

2. BDO Cash Card

You can shop with BDO Cash Card wherever Mastercard is accepted. It comes in three varieties: pre-embossed (maximum loading limit of ₱10,000 with dormancy after 180 days without activity), retail embossed (₱25,000 and dormancy at 360 days), and corporate embossed (₱100,000 and dormancy at 360 days). Any financial transaction such as reloading or withdrawal can lift the dormant state.

There are also limits set for any purchases depending on the electronic channel that they’re made from.

How to buy BDO Cash Card?

Prepare ₱150 and one valid ID.
Visit any BDO branch nationwide and fill out the form.
Wait for 3-5 business days for delivery within Metro Manila and 5-7 business days outside the capital.

3. BPI ePay Mastercard

The BPI ePay Mastercard is one of two prepaid cards offered by the Bank of the Philippine Islands. You can have one for only ₱150, and there are no fees for balance inquiry or re-loading of funds. Withdrawal is permitted subject to a fee. With validity of four years, you’d be required to pay ₱99 each for the last two years. Whenever the card expires and it has remaining balance that you want to transfer over to the new card, a monthly maintenance fee computed starting on 121st day from expiry date is charged.

How to buy the BPI ePay Mastercard?

Drop by any BPI branch or fill out the online application form .
Present one valid ID.
Pay ₱150 for the card.
Wait for the delivery of the card as notified through SMS.
Go to the branch that you’ve selected as drop-off and claim your card.

4. BPI Amore Visa Prepaid Card

BPI Amore Visa Prepaid Card is the other prepaid card that is powered by Visa. It is up for grabs for ₱200, and with an additional ₱50 you can activate beep services for MRT, LRT, and BGC bus rides. It has a validity of four years, with a charge of ₱99 on the third and fourth year. Re-loading and balance inquiry are free. However, you can’t make any withdrawals.

Cardholders can earn points for every ₱200 spent in a single transaction. You can inquire about your points via SMS, and the instructions are found on rewards programs that also contain a catalog of discounts. Moreover, you’re entitled for other perks such as free access to Ayala Malls Customer Lounge, 5% off on movie tickets, and invitation to exclusive cardholder events (subject to terms).

How to buy the BPI Visa Prepaid Card?

Pay ₱200 for the card or ₱250 with beep service.

5. CEB GetGo Prepaid Card

The CEB GetGo Prepaid Card issued by the Cebu Pacific through the GetGo program combines the features of a loyalty card and the convenience of a prepaid card. It can hold nine currencies such as Philippine Peso (PHP), United States Dollars (USD), Singapore Dollars (SGD), HongKong Dollars (HKD), Australian Dollars (AUD), Japanese Yen (JPY), Euro (EUR) British Pound (GBP), and Canadian Dollars (CAD). However, only Philippine peso can be used when loading up the card.

Additionally, every 1 reward point is earned for every ₱100 spending. and the accumulated points which can be used to avail of discounts when booking flights with Cebu Pacific and shopping or dining at other participating business establishments. You can also transfer funds to other Ceb GetGo Prepaid Cards for a fee of ₱20.

How to buy Ceb GetGo Prepaid Cards

Prepare ₱150 and valid ID.
Visit any of the following businesses: Robinsons Department Store, Ministop, Select 711 stores, FamilyMart and NCCC Malls.
Fill out the form.
Load the card. Fees that vary with the loading store apply.

6. Equicom Cash Card

The Equicom Cash Card is a Visa card issued by the Equicom bank. The dormant state starts on the 13th month without activity and automatically activates the maintenance fee of ₱200 every month until the fund is depleted.

How to apply for Equicom Cash Card

Visit any Equicom bank branches nationwide.
Load the card and then you can use it.

7. EastWest Prepaid Card

The East West Prepaid Card has a Visa logo and is accepted in many major online and real stores. Aside from online shopping and paying bills, it can be used to accept remittance from other countries. A registration using the card number is also optional for online banking. ATM withdrawal and POS purchases per day is ₱50k, while the limit for ATM withdrawal per transaction is set at ₱20k. Renewal of the card also comes free subject to terms and conditions.

How to order the EastWest Prepaid Card

Prepare ₱100 and valid ID.
Visit any EastWest Bank branch nationwide.
Delivery of the card through the branch is three days in Metro Manila and five banking days otherwise.

8. GCash Mastercard

The GCash Mastercard is a prepaid card that you can use to cash out money in 20,000 partner ATMs in the Philippines. Just like the others, it can be utilized to pay for shopping on virtual or physical stores.

How to order the GCash Mastercard?

You have three registration options : through the GCash app, online , or through partner outlets like Ministop, Lawson, All Day, Robinsons Business Centers and participating 7-Eleven stores.
Prepare ₱150 for the card either on GCash or in cash when buying in partner outlets.
Required: verified phone number, full name, home address, and delivery address for the shipment of the card.
Delivery can take up to 10 days. If you’re outside of the coverage area, the card can be shipped to nearest LBC branch.
Activate the card according to instruction.

9. Landbank Cash Card

The Landbank Cash Card bears the Visa logo and has a validity 3 years. Some of the objectives that it can be purchased for are corporate purposes (employee benefits, loans, pensions, payroll credits, commissions, reimbursements, allowances, bonuses), remittance or payment collection for merchants. There is a ATM and POS limit of ₱50k a day.

How to get a Landbank Cash Card

Please prepare ₱100 and valid ID.
Go to any Landbank branch .

10. Metrobank Yazz Card

Metrobank Yazz Card is a Visa card exclusive to anyone 14 years and older who can read and write, and it is available in many participating loading partners such as convenience stores, major department stores through concierge or customer service, etc. Balance inquiry is free online or through phone customer service hotline. A fee is incurred when inquiry is done through an ATM.

How to buy the Metrobank Yazz Card?

Prepare ₱300 and one valid ID. The card is already pre-loaded with ₱50 but it needs to have a minimum of ₱100 before it can be used.
Go to a business partner.
Pay the price of the card and its initial load.
For more details, check the Yazz Card FAQs for details.

11. PayMaya EMV Card

The PayMaya EMV Card comes in two varieties: Visa or Mastercard. You can choose the logo upon ordering it through the online store. You can use it standalone or you can enroll the card on your PayMaya wallet. There is no fee when re-loading through partners or you pay 1.5% of the amount when loading from Smart Money or Smart Padala.

How to order the PayMaya Visa EMV Card?

Visit PayMaya store and add the prepaid card to cart. Choose between Visa or Mastercard.
Check out, fill out the application, and pay.
Prepare ₱200 and ₱50 for shipping.
Delivery turnaround time is 3-5 business days for Metro Manila address and 5-10 business days for addresses outside the capital.

12. PLDT Smart MVP card

The PLDT Smart MVP Card is a card exclusive to customers of PLDT and Smart customers. It is a Visa Card that is powered by and shares the same wallet as your PayMaya account. Deals, promos, and other perks are available for those who are able to accumulate points. Points are earned by signing up the accounts of the following companies: PLDT, Smart, Sun, TNT Cignal, Caltex, Bayad Center, Delos Santos Medical Center, Makati Medical Center, EasyTrip RFID, Smart Ka-Partner and Maynilad. For those who just wants to redeem points, the card is not necessary as the

How to get the PLDT Smart MVP Card

Just visit PLDT or Smart store and request for MVP Card.

13. PNB Prepaid Mastercard

The PNB Prepaid Mastercard is one of two prepaid cards issued by PNB. Powered by Mastercard, it can be acquired personalized or otherwise. You can own multiple cards, and transactions can be requested via the customer service hotline. Fund transfer, bills payment, reload, balance inquiry and withdrawal are free for as long as you’re utilizng the bank’s facilities. Transactions performed in non-PNB banks may incur charges.

H ow to get PNB Prepaid Mastercard?

Prepare ₱250 for personalized card or ₱150 for non-personalized card.
Go to any PNB branch .
Wait for the card.
Put money into the card and change the pin. It can then be used.

14. PNB Prepaid Card

The PNB Prepaid Card is a prepaid card from PNB that is accepted at an ExpressNet, MegaLink or BancNet ATMs nationwide. It costs ₱100 to get the card although this can be waived when the initial load is at least ₱5,000.

How to get PNB Prepaid card?

Prepare ₱100 or just prepare ₱500 as initial fund so that the card is free. Also make sure that you have a valid identification card.
Load up and change the pin. You may now use the card.

15. PSBank Prepaid Mastercard

The PSBank Prepaid Mastercard comes free when you load it up with a minimum of ₱500 according to this blog . Upon expiry, a new card can be issued to you free of charge as well. It comes with a PIN (for withdrawal or bills payment), Account Number (for reload, remittance or bills payment), and card number for online shopping.

How to order the PSBank Prepaid Mastercard?

Prepare initial fund of ₱500 and valid ID.
Go to any PSBank branch .
A signed waiver and valid ID of the guardian are required for cardholders who are between 7 and 17 years old.

16. RCBC MyWallet Visa Prepaid Card

The RCBC MyWallet Visa Prepaid Card is a prepaid card from Rizal Commercial Banking Corporation powered by Visa. It shares functionalities of an ATM card since you’re given the ability to withdraw cash as well as it allows you to send money, pay bills and make cashless purchases. Balance inquiry and fund transfer via online banking are free. Other fees and charges are found in this link .

Lastly, the card is considered inactive when there is no financial activity for 12 consecutive months and ₱200 is incurred on the following month.

How to get the RCBC MyWallet Visa Prepaid Card

Drop by any RCBC branch .
Load up the card with ₱120, of which ₱20 is the loading fee and the rest forms part of the initial fund.

17. SMART Money Card

The Smart Money Card is a Mastercard-bearing plastic card issued jointly by Banco de Oro and Smart. It can be used as a stand-alone with limited functionality, and an activation by linking it to a Smart mobile phone number activates transactions such as remote payment. Renewal of the card is free and takes 9 days within the capital and 14 days outside of it. Its is 2 years (Instant Card with prefix 529967 and personalized card 557751) or 5 years (Personalized card with prefix 529967). Except for dormant cards, which would require ₱50 to reactivate it.

How to get a Smart Money Card

Go online , visit a Smart Store , or any BDO branch.
Shipping takes 7 days within Metro Manila or twice as long outside of the capital.

18. ShopNPay Visa Prepaid Card

The ShopNPay Visa Prepaid Card is issued by the Sterling Bank of Asia. It allows you to withdraw or inquire free of charge at any Sterling Bank ATMs. However, using other bank’s ATM would incur ₱1 for every balance inquiry and another ₱10 for successful withdrawal.

How to get the ShopNPay Visa Prepaid Card

Prepare two (2) valid ID.
Visit any Sterling Bank and inquire about the cost of the card. No amount is specified on their website.
Fill out the form and load up the card.

19. UCPB VISA eMoney Card

The UCPB VISA eMoney Card gives you the ability to have global access to cash converted to the currency of the country you’re in, which is great when travelling abroad. There is no fee for dormancy and it can be reloaded at any branches of the bank. Balance inquiry and withdrawal are free with any of the bank’s ATM located nationwide. For details on other fees, you can check this link . Loading up the card needs to be performed over the counter at the bank, which would incur a charge of ₱10.

How to get the UCPB VISA eMoney Card

Visit any UCPB branch .
Bring one (1) valid ID and pay ₱100 for the card.

20. USSC Prime Card

The USSC Prime Card is powered by China Bank and Trust Corporation and issued by USSC, a remittance company. You can link the card with the USSC Super Service App that activates the USSC Panalo Wallet for easy facility of sending and receiving money via Wastern Union. You can also personalized the card, just add ₱10 and wait for the delivery of the card within two weeks. The validity of the card is up to 5 years. Withdrawal via CTBC ATMs are free, while non-CBTC ATMs can incur varying fees.

How to get USSC Prime Card

Prepare the cash (₱150 or ₱160 personalized card) and valid ID.
Visit any USSC branch .

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17 Best Reloadable Prepaid Cards (Visa/Mastercard) in the Philippines

Last Updated on – Apr 1, 2024 @ 5:30 pm

What’s the best reloadable prepaid card in the Philippines? Maya and GCash prepaid cards are the best reloadable options in the country. You can conveniently link these cards to your mobile app for easy and convenient reloading. That said, these cards have a P100,000 limit. If you’re looking for a no-limit prepaid card, UnionBank’s EON cyber card is the top choice. This card has a P350 annual fee.

See the Full List

The Philippines may be the social media capital of the world, but when it comes to managing finances , the populace is far left wanting.

According to the Bangko Sentral ng Pilipinas’ (BSP) 2021 Financial Inclusion Survey (FIS), only 56% of Filipino adults have bank accounts , leaving 44% unbanked.

Sixty percent of those who did not have bank accounts cited not having enough money as the reason for remaining unbanked.

That being the case, it would come as no surprise that the percentage of Filipino adults with credit cards was found to be exponentially lower.

According to the Credit Card Association of the Philippines, in 2023, only 10.74% of adults had an active credit card (or 7.5 million credit card users ), while there are 126 million debit cards in circulation . The percentage of adults who either made or received digital payments was significantly higher at 44.8% (or 33.67 million users in 2023 ).

But with ecommerce and online shopping on the rise, it would be wise to expect those numbers to increase.

What is a reloadable prepaid card?

One reason for the low rate of credit card holders in the Philippines is the relatively strict requirements to procure one. You need to have a high enough salary and good credit standing to be eligible for one.

Conversely, you would also need fiscal discipline to keep them, as we’ve all known someone who let the idea of spending without paying get the better of them – leaving them in debt, and their credit card revoked.

This is where reloadable prepaid cards become the wiser choice.

Essentially, the available amount in these cards are deposited by the card owner, or has been directly deposited into the card account by payroll direct deposit or government benefit deposit.

This means that you cannot spend what you don’t have, albeit still with the convenience of not carrying cash .

Related: 8 Best Mobile E-Wallets in the Philippines

Credit Card vs. Debit Card vs. Prepaid Card

As you might imagine, there are pros and cons to all these three card payment options.

What might work for some may not be ideal for you. To give you a better idea of what you might need, keep on reading.

Credit card is ideal for:

Say, you’re moving to a new place and you need a few appliances, using your own funds via debit card will put a significant dent on your savings. But with credit cards, a lot of merchants offer deferred payment schemes, which means you can pay in installments for 3, 6, 12 months, and sometimes, even more. Credit cards save you from paying cash up front. So if you’re the type that knows how to discipline yourself when it comes to credit card purchases, then having one would be truly beneficial.

People are wary of online shopping because of security concerns. Well, unlike providing your debit card details where a hacker might be able to wipe your bank account clean, credit cards provide an extra layer of protection for fraud. Worst case scenario, it’ll take time to debit the amount fraudulently charged to you, but that’s better than not having it at all. As well, platforms like Lazada also offer deferred payment options for certain credit cards, so that’s always a plus.

Related: Best Online Credit Line for Shopping in the Philippines

Most people don’t think they need to do this until they do. If, down, the line, you’re looking to apply for a housing loan or a car loan , having good credit standing via your credit card history can go a long way in getting you approved. If the banks see that you’ve been diligent in paying your credit card bills, then that’s plus points for your credit standing.

Debit card is ideal for:

Yes, credit cards work here too, but it’s easier to lose count of how much you’ve been spending when it’s a Grab charge here, a few toiletries there. Those few hundreds can add up, and before you know it, you’ve got thousands in credit card bills you’re not aware of. Using debit cards (or even reloadable prepaid cards, more on this later) allows you to monitor these smaller expenses as it will be directly debited from your bank account.

As mentioned earlier, we’ve all known someone who forgot their credit card limit was something they’d have to pay back. A good number of those people have wound up in credit card debt, and taking a hit on their credit standing. If you feel like that might happen to you, it’s best to stick with debit cards. This way, you only spend what you have.

Reloadable prepaid cards are ideal for:

Because you can only swipe for what’s deposited into it, you can’t fall into debt, and you’ll be able to curb impulse spending. The added bonus is that you can only put a certain amount in your prepaid card, allowing your savings account to remain untouched.

Best Reloadable Prepaid Cards in the Philippines

Editor’s Note: When it comes to prepaid cards, it’s a tie between GCash and Maya . That said, GCash Visa holds a special place for its international usability which I experienced and loved abroad. Both platforms offer extensive financial services beyond basic transactions, including savings and investment options.

Their ease of use and wide merchant acceptance also make them invaluable for daily financial activities and more. I’ve also been recently liking GoTyme Visa as well due to its perks with partner stores, although it’s not included in the article.

1. Maya Physical Card

Limit: P100,000 Cost: P250

The Maya prepaid card lets you shop on any platform where credit and debit cards are accepted.

All you need to do is add money to your Maya at branches of partners like 7-Eleven, Palawan Pawnshop, Smart Padala Centers, SM Stores Business Services, and Robinsons Department Stores Business Centers.

It also now comes with contactless payments, which means you can just tap your card on contactless POS terminals for even faster payments.

Additionally, you can download the Maya app, link your physical card, so you can track your transactions right on your phone.

How to get Maya Visa EMV Card:

You can buy the card for P200 here . Delivery usually takes 5-7 business days within Metro Manila and 7-10 business days for provincial areas.
Download the Maya app and link the card to it by going to “My Cards” in the main menu.
Tap on “link card” and enter the 16-digit number on the physical card, expiration date and CVV.

2. GCash Mastercard

Limit: P100,000 Cost: P150

As the name suggests, the GCash Mastercard is a physical card you can use for payments at any Mastercard-affiliated establishments and platforms.

This, along with the GCash app, gives you access to a litany of convenient services that include:

Buying/borrowing load for your prepaid mobile.
Paying bills.
Booking movies.
Sending/requesting money.
Beep card functionality.

The card is exclusive to Globe subscribers.

How to get GCash Mastercard:

Go to the nearest Globe Store branch.
Fill out the service form.
Present a valid ID and pay the one-time fee of P210 for the GCash Mastercard.

Related: GCash Save Money (GSave): and other online banking services in the Philippines

3. EON Card

Limit : P5,000 to no funds limit Cost : Free to P350 annual fee

This card will allow you to move your money to another Unionbank account, EON account, or account in another bank.

UnionBank’s EON card also makes it easier for users to shop from online stores locally and internationally, as well as pay for bills such as insurance, utilities, Food Panda, Shopify, Netflix, and many more. This card also allows its users to withdraw cash from Visa and BancNet ATMs.

There are five different EON accounts you can open:

Eon Starter (P5,000 limit, no annual fee)
Eon Lite (P100,000 limit, P100 annual fee)
Eon Plus (P500,000 limit, P200 annual fee)
Eon Pro (P1,000,000 limit, P350 annual fee)
Eon Cyber (No add funds limit, P350 annual fee)

Features and services:

Send and receive money
Withdraw cash from ATMs
Bills payment
Can be used for online shopping & card terminal payments

How to open an EON account (Starter, Lite, Plus, and Pro Accounts):

Simply download the EON app to open an account

Choose an ID (Passport, School Id, PRC License, GSIS, SSS, Driver’s License, etc)
Create a username and password
Set up notification settings
Pick up your card in any branch

How to open an EON account (Cyber Account)

Fill out this form or go to the app input your details
Choose a branch where you want to claim your card
Wait for confirmation

4. Amore Visa Prepaid Card (BPI)

Limit: P100,000 – P500,000 Cost: P200 for payWave / P250 for beep

Similar to the Prepaid Mastercard, you can use the Amore Visa Prepaid Card anywhere where Visa is accepted.

Additionally, you also get access to a host of perks and privileges at Ayala Malls, which include unlimited access to their customer loungers and discounts on movie tickets.

You also earn get to earn points and exchange them for a growing list of AmoRewards. And, by adding just P50, you also get Beep functionality, making your commutes that much easier.

How to get BPI Amore Visa Prepaid Card:

You can apply through prepaid.bpicards.com or at any BPI branch.

When applying online, fill out the application form and an email confirmation will be received upon completion.
Pick up your card at your nominated branch once you receive an SMS informing you that your card is available.
Present one valid photo and pay the card fee. You can find more information here .

5. BDO Cash Card

Limit: P10,000 – P100,000 Cost: P150

The difference with a BDO Cash Card is that without having to open a deposit account, you can enjoy the security and convenience of having a BDO ATM card.

Which means you can withdraw cash, or use it to pay bills or swipe for purchases wherever Mastercard is accepted.

How to get a BDO Cash Card:

Simply go to the BDO branch near you and apply for the BDO Cash Card. You can find more info, here .

Related: BDO Virtual Card – and other virtual payment cards in the Philippines

6. YAZZ VISA Prepaid Card

Limit: P10,000 – P100,000 Cost: P300

Similarly, Metrobank’s YAZZ Reloadable Prepaid VISA Card is a general purpose card that can be used wherever VISA is accepted.

And like the BDO Cash Card, the YAZZ Prepaid Card also gives you 24/7 cash access via accredited ATMs.

How to get a YAZZ Visa Prepaid Card:

The YAZZ Reloadable VISA card is available at all

Family Mart
National Bookstore
Robinsons Department Store
SM Hypermarket
SM Supermarket
and SM Savemore.

7. PSBank Prepaid Mastercard

Limit: P100,000 – P500,000 Cost: Free

Much like the others on this list, PSBank Prepaid Mastercard offers a convenient and safe way to manage your finances.

Apart from enabling you to stay within budget, this card also serves as an ATM, debit, remittance, and internet cash card all rolled into one.

This card is free when you load it upfront with at least P500. It’s also free should you choose to renew upon expiry. As a Mastercard, you can use it in any establishment/online store where Mastercard is accepted.

How to get PSBank’s Prepaid Mastercard:

Go to any PSBank branch and present a valid ID along with a minimum of P500 for the initial fund.
For minor applicants (7-17 years old), you’ll need a waiver signed by the parent/guardian; valid IDs of the legal guardian, and your passport or school ID.
To apply, call their customer service hotline at (02) 845-8888 or contact them via live chat at www.psbank.com.ph

8. SMART Money Card

Limit: P10,000 – P50,000 Cost: P100

Exclusive to Smart subscribers, Smart Money Card is a pre-created instant card available at Smart Stores.

It bears SMART Money as its generic name, but account details are personalized in the system. There’s also a personalized Smart Money Card that contains the cardholder’s name on it.

Essentially, it functions like a BDO Cash Card, giving you ATM and POS functionality.

How to get a SMART Money Card:

Bring any government ID or a major credit card with photo to any Smart Store or BDO branch.
Accomplish the Smart Money Application Form and pay a one-time processing fee of P100.
The personalized card will be delivered to your preferred address after seven days (within Metro Manila) or 14 days in provincial areas.

9. EastWest Prepaid Card

Limit: P100,000 Cost: P100

The card comes with EMV and payWave functionality. You can also use it to pay the over 30 million VISA-affiliated establishments and 350,000 online merchants worldwide.

Apart from being able to withdraw cash at any EastWest affiliated ATM, you can also withdraw at all VISA-affiliated ATMs across the globe.

How to get EastWest Prepaid Visa Card:

Accomplish the EastWest Prepaid Card application form.
Present at least one valid government ID.
Pay the application fee of P100.

10. Bayad Center Visa Card

Limit: P100,000 Cost: P110

This Visa card can be purchased at any Bayad Center nationwide for P110. Among its main draws is when you link it to a Maya account, you can use it to send/receive money from other Bayad Center cardholders and withdraw from BancNet ATMs.

Additionally, you can earn points when you use it to pay bills and you enjoy rewards and other perks when you use it in a large number of establishments.

How to get a Bayad Center Visa Card:

Visit any Bayad Center branch and fill out the form.
Present a valid ID and pay P110.

11. PNB Prepaid Card

Limit: P100,000 Cost: Free

You can withdraw using this card at any ExpressNet, Megalink or BancNet ATMs nationwide.

It can be used at any establishment/online store where debit cards are accepted.

How to get a PNB Prepaid Card:

Go to any PNB branch and fill out the form.
Present a valid ID and pay P100. If the initial fund is P500, the card is free.

12. Landbank Cash Card

This prepaid card is accepted wherever Visa is.

Its corporate uses include: employee benefits, loans , pensions, payroll credits, commissions, reimbursements, allowances, and bonuses. It can also be used in ATMs and has a POS limit of P50,000 a day.

How to get a Landbank Cash Card:

Go to any Landbank branch and fill out the form.
Present a valid ID and P100 for the card.

13. UCPB Visa eMoney Card

An ideal prepaid card for travelers, it gives holders access to cash converted to the currency of the country they’re currently in.

There is no dormancy balance inquiry and withdrawal fees. However, loading the card needs to be done over the counter with a P10 charge.

How to get a UCPB eMoney EMV Card :

Visit any UCPB branch and fill out the form.
Present a valid ID and P100 for the card.

14. RCBC MyWallet Visa Prepaid Card

Apart from being accepted wherever Visa cards are, it also serves as an ATM card, and allows holders to send money and pay bills.

And while balance inquiries and fund transfers are free via online banking, there is a P200 charge the following month if there is no financial activity for 12 consecutive months.

How to get an RCBC MyWallet Visa Prepaid Card:

Visit any RCBC branch and fill out the form.
Present a valid ID and pay P150 for the card. There is also an initial loading fee of P20.

15. Ceb GetGo Prepaid Card

Limit: P250,000 – P500,000 Cost: P150

This card from Cebu Pacific combines the features of a loyalty card and a prepaid card.

It’s able to hold up to nine currencies (Philippine Peso, US Dollar, Singapore Dollar, Hong Kong Dollar, Australian Dollar, Japanese Yen, Euro, British Pound, and Canadian Dollar. It’s important to note, though, that only Philippine Peso can be used to load the card.

Holders can earn 1 reward point per P100 spend, which they can use to avail of discounts when booking Cebu Pacific flights and when spending at participating establishments. Holders can also transfer funds to other Ceb GetGo card holders for a P20 fee.

How to get a Ceb GetGo Prepaid Card:

You can get a Ceb GetGo Card at any of the following establishments: Robinson’s Department Store, Ministop, FamilyMart, NCCC Malls, and select 7-Eleven stores.
Fill out the form, present a valid ID and pay P150.

16. BPI ePay Mastercard

Limit: P100,000 – P500,000 Cost: P150

This card, as its name suggests, is accepted wherever Mastercard is. There are no balance inquiry and reloading fees, however, there are fees for withdrawals.

The card is valid for four years, but there is a P99 fee per annum for the last two years of validity.

How to get a BPI ePay Mastercard:

You can fill out the online application form or visit any BPI branch.
Present a valid ID and pay P150 for the card.
Wait for an SMS notification that your card is ready for pick-up.
Go to the branch you’ve selected for pick-up and claim your card.

17. USSC Prime Card

Limit: P200,000 Cost: P150

This card is powered by China Bank and Trust Corporation (CBTC) and issued by remittance company USSC. You can use it to withdraw at CBTC ATMs for free, and at other ATMs for a fee.

When you link the card with the USSC Super Service app, it activates the USSC Panalo Wallet and allows you to send and receive money via Western Union.

How to get a USSC Prime Card:

Visit any USSC branch and fill out the form.
Present a valid ID and pay P150 for the card (P160 if you want it personalized).

Other useful Stored Value Cards in the Philippines

We’ve gathered other stored value cards you can have below.

What is a Stored Value Card?

This is a type of electronic bank debit card that has a specific value loaded to it. Establishments, merchants, and other credit card networks offer these cards to give their customers more convenience if they want to skip cash payments.

Usually, cards issued by merchants are only permitted to be used for services and goods from their given names of retailers. Its practicality, flexibility, and security make it an awesome option for customers.

GrabPay Card

Accepted by millions of merchants around the globe, GrabPay card will enable you to pay for transactions and earn GrabRewards points.

Here’s a number of merchants where you can use it:

Power Mac Center

Beep Card is a reloadable contactless smart card that can be used to pay for rail-based rapid transit transportation around Metro Manila. Here’s where you can use it:

Select bus lines
Toll fees on NLEX and CAVITEX
FamilyMart stores

Prepaid Card FAQs

Still got questions about prepaid cards? We’ll answer them below.

Related: Complete List of Philippine Bank Codes

Yes. Prepaid cards can be used anywhere Visa and MasterCard are accepted (depending on your card). This can include restaurants and retail shops, grocery stores, gas stations, hotels, restaurants, and e-commerce stores.

This depends on your card of choice. There are free prepaid cards, but there are also ones that come with a price, usually P150 to P350 one-time or annual fee.

No. Prepaid cards don’t need credit checks since it’s not a loan.

Contact your card issuer right away to freeze it. Most e-wallet and banking platforms have the option to freeze cards in-app.

Yes. Prepaid cards can be used online at websites that accept Visa or MasterCard.

Most apps allow you to check your remaining balance in-app. If this is not available, you can check for the balance online using your provider’s balance inquiry service.

Yes, If you wish to keep using a prepaid card after you’ve used the money on it, you must add new funds to it.

You can do this in a few different ways, including by adding funds straight from a bank account or another prepaid card to the card. Money from paychecks or other reliable sources should be deposited onto the card.

Although your Card may have an expiration date, the funds on your Card do not expire.

Prepaid cards can be used for recurring payments and online bill pay features. However, they cannot be used for withdrawals from your account. It’s important

Yes, bill payments can be made with a prepaid debit card if there are sufficient funds loaded onto the card.

An important thing to take note of when seeking to make any bill payment with a prepaid card of any kind is the card’s processor.

Disclaimer: Grit PH strives to post up-to-date information on all investment, banking, and other financial products we feature. However, information may change without notice. Therefore, we do not guarantee the accuracy of the information listed on the website, including those provided by third parties at any particular time.

It is best to review the updated terms and conditions of your chosen financial institution. Grit PH is not affiliated with the companies mentioned in the article. All testimonials and opinions are representative only of the writer’s experience, but the results will be unique to each individual.

About Venus Zoleta

Venus Zoleta is an experienced writer and editor, specializing in personal finance and digital marketing.

She has been a regular columnist for some of the biggest business & finance publications in the Philippines, such as MoneyMax.ph and Filipiknow.net.

Hoping to retire early, she started investing and bought a home in her early 20s. This crazy cat mom eats ramen like there's no tomorrow.

Education: University of the Philippines (B.A. Journalism) Focus: Personal Finance, Personal Development, and Entrepreneurship

Reader Interactions

February 7, 2020 at 4:21 am

Hi, do you know debit card that can be linked with PayPal? Thanks.

September 7, 2020 at 12:07 pm

Debit cards are different from reloadable prepaid/cash cards. Debit cards are always connected to a bank account (usually a savings account) while reloadable prepaid/cash cards can stand on its own. Most Mastercard/Visa cards can be linked to Paypal to draw funds from to make a Paypal purchase. These cards can be verified via a BIN check 4-digt code sent by Paypal which you may get from the bank managing that card.

July 10, 2020 at 10:24 am

Hi, Is there a prepaid card which I can reload from abroad? For example: a Philippines prepaid card, and I reload it from my Austrian online banking account

September 7, 2020 at 12:00 pm

There is no direct reload from international to Philippines prepaid cards. There will always be a third or fourth party involved if you need to reload a PH prepaid card from abroad. 1. For prepaid cards linked in the bank’s online banking feature, you will need to do international money transfers from international banks to a local bank savings account then to the prepaid card. 2. For GCash cards, you will need to enroll a Paypal account to transfer from Paypal to the GCash account where the GCash card gets funds from. Or again do international money transfer to your PH local savings bank account to GCash.

September 7, 2020 at 11:41 am

1. PNB prepaid cards are not free. There is a P150 fee for generic cards and P250 for personalized cards. Refer to PNB website to know more. 2. Please indicate that BPI Amore prepaid has a 3rd and 4th year fees also, just like the BPI ePay Mastercard and that the fee indicated here is just good for 2 years. 3. Please indicate that the Landbank prepaid card is only valid within the Philippines and not abroad and can only be used via Bancnet POS and Bancnet online is available. Also, please make it clear if this card is available to individual application. From the website, it seems it can be attained only through corporate application. 4. Not 100% sure but I think new Smart money cards are no longer being offered since it shifted to Paymaya. 5. GCash cards are NOT exclusive to Globe/TM subscribers since non-Globe/TM subscribers (Smart, TNT and Sun) can now enroll in the GCash app. The only difference is that non-Globe/TM subs can only activate the card via the app while Globe subs can activate via app and *143#.

February 27, 2021 at 2:30 am

Hi. can I transfer money from Gcash to PSBank Prepaid Mastercard?

April 10, 2021 at 11:32 pm

can i buy a prepaid master card?

June 29, 2021 at 3:50 pm

Which of these card can be linked to PayPal?

February 14, 2022 at 10:40 am

Do you know, which card we are able to buy in bulk over the counter? We have an ongoing project in Philippines and we want to honour our participants with a prepaid Visa or Mastercard.

Or can you suggest any other effective way to pay someone from the USA to Philippines? Bank transfer is not an option.

Many thanks.

November 23, 2022 at 3:18 pm

Can I link USSC Card to Paypal?

20 Best Travel Credit Cards to Bring on Your Next Trip

Venus Zoleta

best travel credit card in the Philippines | Moneymax

Thinking of traveling soon? While you’re at it, start planning how you can save money using the best travel credit cards in the Philippines.

In this article, discover the best credit cards for travel and how they can benefit your upcoming local or international trip.

Why Get a Travel Credit Card?

A travel credit card is worth it if you often travel for work or leisure and can afford to spend the card’s minimum requirement for air miles and rewards points.

The best travel credit cards in the Philippines allow you to enjoy perks such as free airport lounge access, hotel and fuel discounts, and exclusive shopping and dining deals from merchants worldwide. Travel credit cards also offer free travel and accident insurance coverage.

Avail of a travel insurance policy via Moneymax

Features to Look for in a Travel Credit Card in the Philippines

If you travel a lot, you need to maximize your spending. Go for credit cards that offer these benefits:

🔎 Low Spend-per-Mile Requirement

By using your credit card to make travel-related transactions such as purchasing flight tickets or booking accommodations, you earn points. You can thereafter convert these points to airline miles, which you can use to fund your next flight or hotel stay.

Check your credit card's points program to know the spend-to-points and the points-to-miles requirement. A great travel credit card should make it quick for a cardholder to accumulate air miles.

🔎 Travel Insurance and Travel Assistance

Although it’s better to not actually need them, these benefits do provide peace of mind. With travel insurance, you get financial protection in case of medical emergencies; plus reimbursement for expenses incurred in case your trip gets delayed or canceled, or your luggage gets lost, delayed, or damaged.

Travel assistance, on the other hand, provides support during emergencies.

🔎 Low Foreign Transaction Fee and/or Dual Currency Billing

When you use your credit card abroad, you're charged a foreign currency transaction fee and currency conversion fee. Check if your credit card offers low currency transaction fees and dual currency billing so you can save money on your overseas travels.

🔎 Free Airport Lounge Access

This may seem like a nice-to-have feature, but if you're a frequent flyer, it's a must-have. Unfortunately, delayed flights are unavoidable. You might as well get comfortable while waiting for your flight.

To help you choose the perfect travel credit card, we’ve narrowed down your choices to 20 of the best travel credit cards in the Philippines that meet all or most of the criteria above.

20 Best Travel Credit Cards in the Philippines

Here's a glance at some of the best credit cards for travel:

Learn more and discover more options below:

UnionBank Rewards Card

✈️ Best travel credit card for: Earning rewards from travel and shopping spend

With the UnionBank Rewards Card, you can get 3x points when you shop and dine here and abroad, plus 1 non-expiring point for every ₱30 spend.

📌 UnionBank Rewards Card Travel Benefit

3x non-expiring rewards points when you shop and dine here and abroad
Worldwide acceptance
Rewards at participating restaurants, shopping outlets, and leisure establishments nationwide

📌 Other Features and Benefits

1 non-expiring rewards point for every ₱30 spend
Cash advance
In-house installment programs

💸 Fees and Charges

Minimum monthly income requirement: ₱15,000
Annual fee: ₱2,500
Interest rate: 3%
Foreign currency transaction fee: 3.525%

🎁 Free Gift from Moneymax: Giftaway Cash Credits, Apple AirPods 2, or Samsung Galaxy Buds FE

moneymax unionbank credit card welcome gift

Eligible card: Any UnionBank credit card

Promo period: Until May 31, 2024

Get a pair of Apple AirPods 2 worth ₱8,490, Samsung Galaxy Buds FE worth ₱5,490, or Giftaway cash credits worth ₱4,000! Just apply for any UnionBank credit card via Moneymax, get approved within the promo period, and then meet the ₱10,000 spend requirement within 60 days from your card approval date.

This Moneymax UnionBank welcome gift promo runs until May 31, 2024 only. Per DTI Fair Trade Permit No. FTEB-192101 Series of 2024. Terms and conditions apply.

Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.

UnionBank Platinum Mastercard

✈️ Best travel credit card for: Earning cashback

If you’re the kind of traveler who wants to save, the UnionBank Platinum Mastercard [1] is perfect for you. It lets you earn cashback on all your daily purchases.

The best thing about it? There’s no limit to how much cashback you can earn, and the bank doesn’t implement spending categories. Moreover, the cashback doesn’t expire.

📌 UnionBank Platinum Mastercard Travel Benefits

Cashback when you spend during travels
Unlimited lounge access to Marhaba and PAGSS
24/7 banking
Minimum monthly income requirement: ₱50,000
Annual fee: ₱3,000

UnionBank Cebu Pacific Gold

✈️ Best travel credit card for: Enjoying exclusive access to Cebu Pacific sales

This is one of the best travel credit cards for frequent Cebu Pacific flyers. Use this card to earn miles and exclusive perks with the low-cost airline.

📌 UnionBank Cebu Pacific Gold Travel Benefits

1 Go Rewards Point per ₱200 spend
1 Go Rewards point for every ₱100 spent at Cebu Pacific
Automatic transfer of points to your Go Rewards number
Exclusive access to Cebu Pacific seat sales
1 Go Rewards Point = ₱1
Cash advance
Minimum monthly income requirement: ₱30,000
Foreign currency transaction fee: 3%

UnionBank Cebu Pacific Platinum

✈️ Best travel credit card for: Enjoying exclusive access to Cebu Pacific sales and availing of airport lounge access

If you consistently fly with Cebu Pacific, you might as well get this credit card. Like the card above, it earns Go Rewards points and offers access to exclusive Cebu Pacific perks and benefits. You also get travel insurance and unlimited lounge access to Marhaba and PAGSS.

📌 UnionBank Cebu Pacific Platinum Travel Benefits

1 Go Rewards point for every ₱100 spend at Cebu Pacific
Travel insurance worth up to ₱10 million
Early notifications on Cebu Pacific seat sales
1 Go Rewards point for every ₱200 spend
1 Go Rewards point = ₱1
Automatic crediting of points
Annual fee: ₱5,000
Foreign currency transaction fee: 2%

Read more: UnionBank Credit Card Promos for New Cardholders, Travelers, and More

💰 Get a Chance to Win ₱100,000 in Cash via Moneymax!

Raffle draw date: June 14, 2024

This summer, grab the chance to win ₱100,000 in cash via Moneymax's UnionBank raffle promo! To earn a raffle entry, apply for any eligible UnionBank credit card via Moneymax until May 31, 2024, get approved, and activate your new card by June 14, 2024.

Want to be one of the five lucky winners to win ₱100,000 in cash? Click the banner to apply now!

The draw date for this Moneymax raffle promo is on June 14, 2024. The winners will be announced on June 28, 2024 via the official Moneymax Facebook page . Per DTI Fair Trade Permit No. FTEB-191900 Series of 2024. Terms and conditions apply.

Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.

Metrobank Platinum Mastercard ®

✈️ Best travel credit card for: Dining at premium restaurants around the world

With the Metrobank Platinum Mastercard ® , earn 1 point for every ₱20 spend. Use the points to redeem air miles and other rewards. If you're into gastronomic adventures, you can also enjoy up to 50% off on premium dining offers.

📌 Metrobank Platinum Mastercard ® Travel Benefits

1 rewards point for every ₱20 spend, redeemable for air miles
Up to 50% off on premium dining offers
E-commerce purchase protection of up to US$200
Free first supplementary card
Minimum monthly income requirement: ₱58,333
Annual fee: ₱5,000 (waived for the first year)
Foreign currency transaction fee: Mastercard assessment fee plus 2.5% processing fee

Metrobank World Mastercard ®

✈️ Best travel credit card for: Enjoying premium perks while traveling

If you love traveling luxuriously, consider the Metrobank World Mastercard ® . Get 2x rewards points for international purchases and enjoy exclusive access to airport deals.

📌 Metrobank World Mastercard ® Travel Benefits

1 air mile per ₱17 foreign currency spend
1 air mile per ₱50 in other spending categories
1 rewards point for every ₱20 spend
Up to 50% off on luxury dining deals
Minimum monthly income requirement: ₱125,000
Annual fee: ₱6,000 (waived for the first year)

🎁 Free Gift from Moneymax: ₱2,500 Cash Credits, Dolce Gusto Piccolo XS, or Xiaomi Redmi Bluetooth Soundbar

moneymax metrobank credit card promo - giftaway egift dolce gusto piccolo xs xiaomi redmi bluetooth soundbar

Eligible cards: Metrobank Titanium Mastercard ® , Platinum Mastercard ® , and World Mastercard ®

How do you get a Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website.

Choose between ₱2,500 worth of cash credits via Giftaway, a Dolce Gusto Piccolo XS worth ₱5,199, or a Xiaomi Redmi Bluetooth Soundbar worth ₱2,499 as your free special gift.

This Moneymax Metrobank eGift/Dolce Gusto/Xiaomi Redmi promo runs until May 31, 2024 only. Hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-191118 Series of 2024. Terms and conditions apply .

Note: Applicant must be an existing credit cardholder in good standing for at least nine months.

HSBC Platinum Visa Rebate

HSBC CC Blog Visual CTA - HSBC Platinum Visa Rebate

✈️ Best travel credit card for: Earning rebates from travel and shopping spend

The HSBC Platinum Visa Rebate Credit Card makes travel more rewarding for cardholders with its array of exclusive perks worldwide, as well as its high rebate rate for travel spend and other travel perks.

📌 HSBC Platinum Visa Rebate Travel Benefits

5% rebate on travel and shopping (including online) transactions
Free travel accident and travel inconvenience coverage
6% rebate on your first Caltex purchase and a 3% Caltex fuel rebate year-round
1% rebate on insurance and 0.50% on all other spend
Minimum monthly income requirement: ₱41,666.67
Foreign currency transaction fee: 3.50%

Read more: Steals and Deals: Best HSBC Credit Card Promos This 2024

🎁 Free Gift from Moneymax: Giftaway Credits, JBL Flip 6, or JBL Tune 520 BT

Eligible cards: HSBC Red Mastercard , Gold Visa Cash Back , and Platinum Visa Rebate

Promo period: Until May 15, 2024

Not an HSBC credit cardholder yet? Apply for an HSBC card through Moneymax during the promo period (and get approved subsequently) to receive an exciting welcome gift! Choose from free Giftaway credits worth ₱3,000, a JBL Flip 6 worth ₱7,499, or a JBL Tune 520BT worth ₱3,349 .

This Moneymax HSBC Giftaway/JBL promo runs until May 15, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-188586 Series of 2024. Terms and conditions apply.

Security Bank Platinum Mastercard

✈️ Best travel credit card for: Enjoying convenience on overseas travels

The biggest appeal of this Security Bank travel credit card is the dual currency billing feature as well as its airport lounge benefits. It's one of the best travel credit cards in the Philippines for those who want a relaxed trip overseas.

📌 Security Bank Platinum Mastercard Travel Benefits

Dual currency billing—pay for international transactions in US dollars
Two complimentary lounge access annually (for cardholders and guests combined) in more than 1,300 lounges in 500 airports worldwide
Unlimited access to A Lounge, Marhaba Lounge, and PAGSS Lounge
Up to US$200 coverage with Mastercard® E-Commerce Purchase Protection
Free travel insurance
Exclusive automatic cashback offers from participating stores overseas
2 non-expiring rewards points for every ₱20 spend
Access to the latest offers via Mastercard’s concierge services
Minimum monthly income requirement: ₱65,000
Annual fee: ₱4,000 (waived for the first year)
Foreign currency transaction fee: 1% Mastercard assessment fee plus 1.5% service fee
Security Bank World Mastercard

✈️ Best travel credit card for: Traveling and shopping safely and conveniently

Enjoy peace of mind with the Security Bank World Mastercard, [2] which comes with free travel insurance and e-commerce purchase protection. Relax and enjoy access to more than 1,300 lounges in over 500 airports worldwide and exclusive dining, spa, and retail offers from select airport merchants.

📌 Security Bank World Mastercard Travel Benefits

Free travel medical insurance worth up to US$100,000 with COVID-19 coverage
Six complimentary lounge access annually (for cardholders and guests combined) in more than 1,300 lounges in 500 airports worldwide
3x non-expiring rewards points for every ₱20 spend
Up to US$200 coverage with Mastercard E-Commerce Purchase Protection
Exclusive discounts from participating shops and restaurants
Minimum monthly income requirement: ₱250,000

Read more: Credit Card Battle: Security Bank Platinum vs World Mastercard Review

🎁 Free Gift from Moneymax: ₱2,500 eGift, JBL Bluetooth Speaker, or JBL Wireless Earbuds

security bank welcome gift - egift jbl horizon 2 jbl wave beam true wireless

Eligible cards: Select Security Bank credit cards:

Gold Mastercard
Complete Cashback Platinum Mastercard
Platinum Mastercard
World Mastercard

Want a credit card from Security Bank? You're in for a treat if you apply and get approved for an eligible card through Moneymax and meet the minimum spend requirement. Pick your free Security Bank welcome gift: a ₱2,500 Giftaway eGift voucher, a JBL Horizon 2 Bluetooth Clock Radio Speaker worth ₱5,354, or JBL Wave Beam True Wireless Earbuds worth ₱3,799.

This Moneymax Security Bank Giftaway/JBL Horizon 2/JBL Wave Beam credit card promo runs until May 31, 2024 only. Apply now!

Per DTI Fair Trade Permit No. FTEB-191158 Series of 2024. Terms and conditions apply .

BPI Platinum Rewards Card

✈️ Best travel credit card for: Looking for an affordable way to fly

Do you travel abroad at least once or twice a year? Get the best of both worlds—premium perks and affordability—when you book your trips with a BPI Platinum Rewards Card.

It offers loads of exclusive travel deals on top of a fast rewards earn rate. That means you can easily accumulate airline miles for free flights.

📌 BPI Platinum Rewards Card Travel Benefits

2 BPI Points for every spend on foreign transactions abroad or online worth ₱20
Low forex conversion rate of just 1.85%
Up to ₱10 million in travel insurance coverage
0% interest on airline installment all year round
Access to more than 1,300 airport lounges worldwide; up to four free lounge access annually
2 BPI Points for every local spend worth ₱30
Up to 180 days of purchase protection insurance
Minimum monthly income requirement: ₱83,333.33
Annual fee: ₱4,000
Foreign currency transaction fee: 1.85%
BPI Signature Card

✈️ Best travel credit card for: Availing of low foreign transaction fees and special foreign exchange rates

The Signature Card is one of BPI’s best travel credit cards. On top of a range of travel perks, cardholders can save money on their overseas travels with its low foreign currency transaction fee and special rates for exchanging foreign currencies.

📌 BPI Signature Card Travel Benefits

2 BPI Points for every ₱20 spend
Up to ₱20 million in travel insurance coverage
Complimentary lounge access to PAGGS at NAIA 1 and NAIA 3
Preferential exchange rates on foreign currencies
Access to Visa’s 24/7 Worldwide Concierge, Airport Meet & Greet Immigration Services, Airport Transfer Program, and Luxury Hotel Collection
50% discount on dining, hotels, resorts, fitness studios, and wellness centers all year round
Minimum monthly income requirement: ₱100,000
Annual fee: ₱5,500

Read more: The Online Shopper’s Best Friend: What is the BPI eCredit Card?

Petron BPI Card

🚗 Best travel credit card for: Going on road trips

With constantly increasing fuel prices, weekend warriors who conquer dirt roads and surf the waves of local beaches need the Petron BPI Card. Enjoy a 3% rebate every time you gas up at any participating Petron gasoline station nationwide.

📌Petron BPI Card Travel Benefits

3% rebate at participating Petron stations in the Philippines
Maximum fuel rebate of ₱15,000 per year
₱200 fuel voucher as a welcome gift
Credit limit convertible to cash
Buy Now, Pay Later program
Additional Bonus Madness limit for installment
Annual fee: ₱1,550
UnionBank Miles+ Platinum Visa

✈️ Best travel credit card for: Earning miles and redeeming points easily

With a fully loaded travel program, UnionBank Miles + Platinum Visa holders can earn points for every travel expense. You can also opt to redeem your miles points to waive credit card fees or pay for your next trip.

📌 UnionBank Miles+ Platinum Visa Travel Benefits

1 point for every ₱25 spend
1.5 points for every ₱25 travel-related expense
Unlimited pre-departure access to the lounges of Marhaba and PAGSS
Free travel insurance for up to ₱10 million
In-house installment programs
Annual fee: ₱3,000 (free for the first year)

Metrobank Travel Platinum Visa

✈️ Best travel credit card for: Earning miles and spending overseas

Frequent international travelers can rack up air miles quickly using the Metrobank Travel Platinum Visa with its low spend-per-mile conversion.

📌 Metrobank Travel Platinum Visa Travel Benefits

1 mile per ₱17 spent overseas and on airlines and hotels
1 mile per ₱50 in other spending categories
Free first supplementary credit card
Foreign currency transaction fee: Visa assessment fee plus 2.50% processing fee

RCBC AirAsia Credit Card

✈️ Best travel credit card for: Earning AirAsia Points and enjoying exclusive AirAsia privileges

A co-branded credit card between RCBC and AirAsia, the AirAsia Credit Card offers generous perks for loyal customers of the budget airline.

This is one of the best travel credit cards in the Philippines as cardholders get VIP treatment for their AirAsia flights. They get to check in, board the plane, and pick up their baggage ahead of other customers.

📌 RCBC AirAsia Credit Card Travel Benefits

Welcome gift of 8,000 AirAsia Points upon spending ₱20,000 within 60 days of issuance
1 point for every ₱22 international spend
Priority check-in, boarding, and baggage on AirAsia flights
Free flights or vouchers from Lazada, SM Gift Pass, Grab, and more redeemable with AirAsia BIG Points
Worldwide acceptance
Bonus travel limit
Straight purchases convertible to installments for up to 36 months
0% installment on purchases made abroad
Balance transfer
Minimum monthly income requirement: ₱20,833
Annual fee: ₱3,600
Foreign currency transaction fee: 2.25% to 3.50%

RCBC Flex Visa

✈️ Best travel credit card for: Enjoying flexibility when earning points

The RCBC Flex Visa is the best travel credit card in the Philippines for young professionals or credit card newbies who want sophisticated features. This card lets you earn 2x rewards points on your preferred spending categories. It even lets you switch categories every billing cycle.

Charge your international travel-related expenses to this card and get free travel insurance. Moreover, the RCBC Flex Visa gives you access to airport lounges at NAIA Terminals 1 and 3.

📌 RCBC Flex Visa Travel Benefits

2x rewards points in two chosen spending categories: travel, dining, clothing, and transportation
Free flights via the AIRMILES Program
Access to PAGSS Lounge at NAIA Terminals 1 and 3
0% installment for purchases abroad
Conversion of straight purchases to installment for up to 36 months
Cash loan
Annual fee: ₱1,500
Foreign currency transaction fee: 2.25% to 3.5%

RCBC Visa Platinum

✈️ Best travel credit card for: Earning miles with your preferred airline

The RCBC Visa Platinum is the best travel credit card in the Philippines for holidaymakers who want lavish trips. Majority of its features scream luxury. Case in point: 24/7 Visa concierge, preferred air miles, and generous travel insurance coverage.

📌 RCBC Visa Platinum Travel Benefits

1 PREFERRED AIRMILE for ₱25 spend, overseas or online
1 PREFERRED AIRMILE for ₱48 local spend
1 PREFERRED AIRMILE = 1 point Asia Miles/Mabuhay MIles/AirAsia Rewards
Unlimited access to PAGSS Lounge
Free travel insurance worth up to ₱5 million
0% installment on purchases abroad
E-Commerce purchase protection
Annual fee: ₱5,000
Foreign currency transaction fee: 2.25% to 3.5%
PNB-PAL Mabuhay Miles World Mastercard

✈️ Best travel credit card for: Earning PAL Mabuhay Miles and enjoying exclusive PAL privileges

This PNB card is one of the best travel credit cards for collecting Mabuhay Miles and enjoying exclusive perks when flying with PAL. It also has an option for dual currency billing that bills overseas purchases in US Dollars and local purchases in Philippine Peso, which means savings when you use your credit card abroad.

📌 PNB-PAL Mabuhay Miles World Mastercard Travel Benefits

Welcome gift of 2,000 PAL Mabuhay Miles upon card activation
Additional free 10,000 Mabuhay Miles when you make ₱100,000 worth of PAL transactions within 1 year from the date of card issuance [3]
1 point = 1 mile
Priority check-in at PAL Business Class counters in NAIA Terminals
5% discount on select PAL international flights booked via the PAL website
Dual currency billing option
Free travel insurance coverage of up to ₱10 million
Up to ₱250,000 free purchase protection insurance
Up to ₱250,000 fraud transaction insurance for just ₱120 per year
Domestic concierge service on dining, entertainment, travel reservations, and other concerns
Minimum monthly income requirement: ₱200,000
Annual fee: ₱6,000
Foreign currency transaction fee: 2.50%

Maybank Platinum Visa

✈️ Best travel credit card for: Shopping overseas

If you’re the kind of traveler who loves shopping abroad, the Maybank Platinum Visa might be the best travel credit card in the Philippines for you. It’s also easy to collect miles with this travel card, thanks to its ₱50 spend = 1 mile conversion.

📌 Maybank Platinum Visa Travel Benefits

1% cashback on all overseas purchases with an annual cap of ₱12,000
Low foreign currency transaction fee at 1.80%
Accepted worldwide in over 20 million locations
Access to 100 exclusive golf clubs in 23 countries
1 TreatsPoint for every ₱25 spend
Redeemable cash credit and miles
SMS for each approved transaction anywhere in the world
Annual fee: ₱3,500
Foreign currency transaction fee: 1.80%
EastWest Singapore Airlines KrisFlyer World Mastercard

EastWest Singapore Airlines KrisFlyer Platinum Mastercard

✈️ Best travel credit card for: Earning miles with Singapore Airlines and Scoot

Love Singapore Airlines’ services? If so, get the EastWest Singapore Airlines KrisFlyer World Mastercard to enjoy exclusive benefits, such as fast spend-to-miles conversion rates that also apply to Scoot. Other features include free travel insurance and a low currency conversion fee.

📌 EastWest Singapore Airlines KrisFlyer World Mastercard Travel Benefits

3 KrisFlyer miles for every ₱45 spend (Singapore Airlines, Scoot, and KrisShop)
Comprehensive travel insurance of up to ₱20 million
Access to Mastercard Priceless Experiences
Access to more than 1,300 airport lounges globally
Free supplementary card
0% installment at select establishments
Cash advance of up to 70% of the credit limit
Annual fee: ₱4,000
Foreign currency transaction fee: 1.7%

What is the Best Credit Card for Travel in the Philippines?

Can't choose the best credit card for travelers? We sorted out the cards according to their features. Check them out below:

👉 Travel Credit Cards with Free Airport Lounge Access

If you’re looking for a credit card with free airport lounge access in the Philippines, consider the following:

UnionBank Platinum Mastercard
UnionBank Cebu Pacific Platinum Mastercard
BPI Platinum Rewards Card

👉 Travel Credit Cards with Free Travel Insurance

To avail of this coverage, make sure you purchase the airline ticket using the travel credit card.

RCBC Flex Visa
RCBC Visa Platinum

Final Thoughts

These are some of your options for the best travel credit card in the Philippines. If you still can't decide which one fits your needs, you can compare credit cards, choose the right one, and apply for a credit card right here via Moneymax. It's quick, easy, and free!

Sources:

[1] UnionBank Platinum Mastercard
[2] Security Bank World Mastercard
[3] PNB-PAL Mabuhay Miles World Mastercard

Moneymax is rated 4.3 out of 5 based on 305 reviews "I never received nor have I imagine receiving a quick approval until I spoke with Mr. Angelo Dela Rosa. In less than a week, I think it was just overnight, I have been approve for a credit card. I know it sounds too good to be true but that's how fast it happened. Thank you sir for your assistance." - Vinc Peliño rated Moneymax 5 out of 5 on Oct 31, 2019

Venus has almost 20 years of combined experience in content marketing, SEO, corporate communications, and public relations. Most of her career was spent creating informative articles on personal finance and digital marketing. She also invests in stocks, mutual funds, VUL, and Pag-IBIG MP2. Venus graduated cum laude with a Journalism degree from the University of the Philippines Diliman. A hardcore Hallyu Tita , she loves bingeing Korean shows on Netflix while bonding with her cats. Follow Venus on LinkedIn.

Get More Bang for Your Buck: 34 Best Credit Cards in the Philippines

Top 22 Easiest Credit Cards to Get in the Philippines

UnionBank Travel Credit Cards: 7 Best Options to Bring on Trips

Financial tip:, use a personal loan to consolidate your outstanding debt at a lower interest rate.

DISCLAIMER: Moneymax strives to keep its article information accurate and up to date. The information you read may be different from what you see when you visit a partner, provider, or financial institution’s website. All information we publish is presented without warranty and may change over time. If you find discrepancies or outdated information, please contact Moneymax directly .

With the exception of any articles published in partnership with named providers, opinions expressed in our articles are the author's alone, not those of any product provider, and have not been reviewed, approved or otherwise endorsed by any of the providers.

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Travel money guide

Compare fees, convenience, rewards and more between three key payment methods..

Traveling overseas involves a lot of planning — and that includes your money.

What is travel money?

Travel money, for lack of a better term, essentially means the options of credit cards, debit cards, prepaid cards and foreign currency — all designed for travel and foreign transactions. Each form of travel money has different pros and cons, so you’ll want to compare and contrast before choosing which’ll be best for you and your itinerary.

Compare travel money options

Compare the fees, convenience, rewards and more between prepaid travel cards, credit cards, debit cards and foreign currency while planning how you’re going to pay for food, souvenirs and other goods on your next trip.

How to decide which type of travel money is best for you?

Prepaid travel cards, credit cards and debit cards can all be effective ways to pay while you’re traveling. In fact, a combination of the three might be the safest and most convenient way to have all your bases covered. But the travel money you should embrace as your primary payment method depends on your situation:

Pick a credit card if…

You travel frequently and want to earn rewards. Whether you’re a hotel fiend, a frequent flyer or just love earning cash back, a travel credit card can be the gift that keeps on giving — as long as you keep spending. Just make sure you have a plan for paying your balance in time.
You want a safety net in case of emergencies. Even if it isn’t your primary payment method, keeping a travel credit card in your back pocket can help cover any unexpected expenses.

Pick a prepaid travel card if…

You’re on a strict budget. A prepaid travel card can help ensure you don’t overspend, since you can only spend what you’ve already loaded onto the card.
You want to lock in an exchange rate. Avoid unpleasant surprises by knowing exactly how much your US dollars are worth from the get-go.

Pick a debit card if…

You plan on frequenting ATMs. If you like the feeling of cold, hard cash in your hands — or will be shopping at markets that only accept cash — you should consider a travel debit card that comes with zero ATM fees.
You want direct access to your checking account. A travel debit card can be more convenient than a prepaid travel card, since you don’t need to preload money. It’s also ideal if you want to avoid racking up a credit card bill.

Travel credit cards

Browse travel credit cards to find an option with perks that match your travel style — just make sure you have a plan to pay it off.

Access to credit. Credit access comes in handy for emergencies.
Rewards. Earning cash back lets you have something to look forward to when you come home.
Extras. Some cards come with complimentary travel insurance, purchase protection and concierge services.
Availability. Some travel credit cards are banned in countries like Cuba, Iran, Myanmar, North Korea, Sudan and Syria due to economic sanctions.
Lack of access to cash. You could be charged with hefty fees for using a travel credit card when you withdraw cash at an ATM.
Inactivity fee. Some card issuers will charge you a monthly fee if you don’t use the prepaid card frequently enough.

50+ currencies supported

4.33% APY on USD balances
$0 signup or subscription fees
Withdraw $100 per month for free from ATMs worldwide
Send, spend and withdraw 50+ currencies at the live rate
Freeze and unfreeze your card instantly

Join to save up to 10% on hotels

0.50% APY on checking balance
Up to 4.60% APY on savings
$0 account or overdraft fees
Get a $300 bonus with direct deposits of $5,000 or more

Travel rewards with no annual fee

20,000 miles (equal to $200 in travel) after spending $500 in the first 3 months
Earn unlimited 1.25x miles on all purchases
Low intro rates on purchases and balance transfers

Prepaid travel money cards

Prepaid travel money cards are great for budgeting, since you can only spend what’s already on the card — but that could actually be a drawback in the event of an emergency.

Lock in exchange rates. These cares allow you to lock in rates so you won’t be surprised by the fluctuating value of your US dollars.
Earn cashback. Select cards like the Prepaid Travel Card by Mastercard can earn you some rewards.
Use it worldwide. Most prepaid travel cards are either Visa or Mastercard, which are widely accepted.
Fees. you may have to pay for loading, reloading, currency conversion, withdrawing cash and more.
ATM withdrawal limits . you may have to pay extra for withdrawing larger amounts of money.
Not great for emergencies. since you only have a finite amount of cash you may need another source of money in case you run out.

Compare prepaid travel money cards

If you’re leaning toward a prepaid travel money card, compare some of our favorites before signing up.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Travel debit cards

Many travel debit cards waive foreign transaction fees and ATM withdrawal fees, setting you up for an easy breeze experience — as long as you don’t overdraw your checking account.

Fewer fees. Withdraw cash and buy all the souvenirs you want without getting dinged for it.
ATM availability worldwide. Choose a travel debit card that’s compatible with the highest number of ATMs.
Fraud protection. Your bank can help with damage control if your card is lost or stolen.
No cushion for emergencies. If you make large purchases, they could drain your account, which may lead to overdraft fees.
Long card replacement wait. If you lose your card it may take up to two weeks to get a new one.

Traveler’s checks

Traveler’s checks were once a widely used form of travel money, but they’re going the way of the dinosaur. You can weigh up whether they’re worth your time below — but we’d advise looking elsewhere.

Secure. Traveler’s checks are an extremely secure method to spend money overseas.
Safe. They can be easily replaced if lost or stolen.
Initial cost. You might be charged a purchasing fee when you first pick up your traveler’s check.
Acceptance. Traveler’s checks aren’t accepted as widely as other payment methods.
Can be bulky and awkward to carry. Plus, you’ll have to go to the effort of getting them cashed rather than having immediate access to your cash like you would with a card.

Comprehensive guide to using debit cards overseas

Foreign cash

Holding a certain amount of foreign cash provides you with convenience and payment flexibility. Some stops on your destination may be cash-only and having extra on you can provide a smooth transition to wherever your destination may be.

Knowing how the dollar has performed against foreign currency in the past few years and months will enable you to get the best exchange rate for your foreign exchange transaction. Our travel money guides will inform you on some of the ways to access cash and ATMs worldwide.

Is it safe to travel with cash?

Yes! In fact, it’s usually safer to travel with some cash than none at all — though you don’t need to take large sums along with you. To keep your cash safe while traveling, avoid keeping it all in one place. Instead, divide it between your suitcase, purse and other safe places so that if some gets stolen you still have backup cash.

Keep in mind that carrying more than $10,000 at a time could actually be a headache, since you’ll need to declare it on your customs form to explain why you’re traveling with so much money.

5 places to do a foreign currency exchange

The best place to exchange your foreign currency is at your bank or credit union BEFORE you travel.

Bank. Call your local branch beforehand to see if their services line up with what you need. Most nationwide banks, like PNC, offer competitive rates and no transaction fees.
Credit unions. Similar to banks, credit unions generally offer competitive exchange rates and limited or no transaction fees.

But if you’re already in a foreign destination, your best bet is to use a travel debit card to withdraw funds at an ATM.

Debit card. You should be able to withdraw cash from an international ATM with decent exchange rates and fees ranging from 1% to 3%.

Airport kiosks and currency exchange stores should only be used as a last resort.

Airport kiosk. After disembarking from the plane, you can exchange your currency at the airport. But fees are high and exchange rates will be less-than-favorable.
Currency exchange store. You can find exchange stories in most international cities, but again, the fees will be working against you.

Destination money guides

For your next international trip, plan ahead by knowing how much to bring, and which travel money option is best for you. Choose your destination to get the full guide:

Czech Republic
Hong Kong, China
Netherlands
New Zealand
South Africa
South America
South Korea
Switzerland

Amy Stoltenberg

Amy Stoltenberg manages newsletters at Finder, gathering the best articles each week to help subscribers save money and stretch their hard-earned dollars. She also handles the Twitter account, dabbling in Instagram and Facebook too. When she's not on the computer, you can find her exploring Los Angeles with a good book in tow. She studied writing at Savannah College of Art and Design and has been featured on the Zoe Report.

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4 Responses

My son did some work overseas and was paid in Macedonian Denars. He’s having a terrible time getting this exchanged to US money. Where can he do this?

Hi Foxtrotrn,

Thank you for reaching out to finder.

Macedonian Denar is a closed currency which is a currency that you can only get in the country of origin and that is the reason why it is quite difficult to have it exchanged to US dollars.

The options that you have for foreign currency exchange are:

– International exchange kiosks which can be found in airports – Banks – Online foreign exchange companies such as World First, XE and other similar companies which offer exchange services online

I hope this helps.

Cheers, Charisse

Can I get dirhams–Moroccan currency–from any Chase branches?

Thanks for your inquiry. Please note that we are not affiliated with Chase or any company we feature on our site and so we can only offer you general advice.

Yes, Chase offers international money transfers including dirhams. Aside from using your bank, you can also compare currency exchange companies that you can use to save on your next exchange.

Best regards, Rench

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Best Ways to Take Money to the Philippines in 2024

The Philippines has plenty of tourist attractions, and as one of the largest economies in Southeast Asia, it’s also a popular place for Australians heading abroad to work or study.

No matter whether you’re heading to the Philippines for work, leisure, or a mix of the two, you’ll still need to pay for things while you’re there. This guide covers 4 popular ways to take money to the Philippines, so you can pick the one that suits you best.

Best ways to take money to the Philippines

In this guide we’ll walk through 4 of the most practical and popular ways to take money to the Philippines, including our top picks for providers to look at, pros and cons. Here are the common ways to pay overseas that we’ll investigate:

Prepaid Travel Card

Travel Debit Card

Travel credit card

Prepaid travel cards to use in the Philippines

Ideal for: secure spending and cash withdrawals in PHP, with the option to lock in exchange rates in advance

You can get a prepaid travel money card online or in person, to add money in AUD and switch to PHP to lock in the exchange rate and set your travel budget. Some cards also let you leave your money in dollars for automatic conversions whenever you buy something or make a withdrawal.

Depending on the card you pick, you’ll usually find you can also convert and hold a selection of other currencies - the Wise card, which we’ll look at in more detail in a moment, lets you hold, send, spend and exchange over 40 currencies conveniently with just your phone.

Prepaid travel cards are popular for convenience, and for low cost foreign currency spending - but they’re also a smart move from a security perspective, as your card isn’t linked to your everyday bank account. If you’re concerned about security or if your card is misplaced, you can just freeze it, without impacting your normal bank account or card.

Learn more about our picks for the 6 best prepaid cards - there’s more on our top choice, Wise, next.

Wise - our pick for prepaid travel card

With this card:

Hold and exchange 40+ currencies in your linked Wise account
No annual or monthly fees to pay, and no minimum balance requirement
Currency exchange uses the mid-market rate with no markup
Some free ATM withdrawals available every month
Virtual and physical cards available

Pros and cons of taking money to the Philippines with a prepaid travel card

Some cards support holding PHP, which means you can convert from AUD in advance and lock in the exchange rate
Safe to use, as your prepaid card isn’t linked to your main everyday account
Cards are available with no minimum balance or ongoing fees to pay
Currency exchange may have better rates than a bank will offer
You’ll be able to re-use your card for your next trip - often dozens of currencies are supported
Not all cards support PHP for advance exchange
Exchange rates may include a markup on the mid-market rate
ATM fees may apply, depending on the card you pick
Some cards have inactivity fees which apply if you don’t use them regularly, or cash out fees if you close your account

Travel debit cards to use in the Philippines

Ideal for: spending and making cash withdrawals, with no need to worry about running up a surprise bill

You can use a travel debit card much like any other debit card you might have, but you’ll usually find you get some extra benefits such as complimentary insurance or airport lounge access, plus low or no foreign transaction fees. As with prepaid travel cards, if you get your travel debit card from a specialist service rather than your bank, your card isn’t linked to your everyday account, which is good for security.

Usually travel debit cards come with a digital multi-currency account you can use to add money in AUD and switch to the currency you need. You’ll be able to review your account, add more money or convert funds with just your phone via the provider’s app, which makes it a convenient option when travelling.

We’ll go into more detail about our top pick for a travel debit card - Revolut - next, and you can also read more about the best travel debit cards in Australia here.

Revolut - our pick for travel debit card

Hold and exchange 25+ currencies
Choose the account plan that suits your needs and spending, including some with no monthly fees
Some no- fee ATM withdrawals and currency exchange with the mid-market rate, based on the account tier you choose
Extra perks like accounts for under 18s, plus cash back on card spending for top tier account holders
Travel benefits offered for some account plans

Pros and cons of taking money to the Philippines with a travel debit card

No credit checks and no interest charges to worry about
Cards are designed for travel use and often have extra travel perks and low cost, or free, currency conversion
ATM withdrawals are cheaper compared to a credit card as there’s no interest or cash advance fee
Many cards from specialist services are linked to multi-currency accounts you can use on future trips too
Secure as your card is not connected to your main AUD account, and can be frozen from the provider app
Some transaction fees usually apply
You may pay a fee when converting from one currency to another, which may be split out transparently, but which is often just rolled up in the exchange rate you get
Some cards have monthly fees to pay to get full feature access

Taking cash in the Philippines

Ideal for: day to day spending - cash is still king in the Philippines

A recent survey found that 94% of consumers in the Philippines prefer to make payments in cash. You’ll need to be prepared to use cash a fair bit while you visit, even if your normal preference is to pay by card. Larger tourist venues and hotels may accept card or mobile wallet payments, but smaller merchants are unlikely to take anything other than cash.

All in all, carrying some cash in pesos is essential when you’re in the Philippines. You’ll be able to convert some money before you travel if you’d like, or carry AUD for converting on arrival. It’s also possible to make ATM withdrawals, which can be a convenient and safe option - particularly if you have a travel card which has no ATM fee to pay.

For most travellers, having several different ways to pay and access cash is reassuring, and means you’re unlikely to be caught out if a merchant can’t take one or other of your preferred payment methods.

Do I need cash in the Philippines?

Yes. Carrying some cash in PHP is essential. In many situations, cash will be the only accepted payment method, particularly once you get away from major cities and very touristy areas.

How to buy Philippine pesos on arrival in the Philippines?

If you’re carrying clean and undamaged Australian dollars in cash you can exchange them to PHP on arrival at currency exchange stores in cities and popular tourist areas. Generally steering clear of exchange services at the airport or your hotel is a good idea. Where there’s a captive market the exchange rates are often not great, so looking for an exchange service where there’s more competition will usually get you the best overall deal.

How to buy Philippine pesos in Australia?

If you’d prefer to be organised in advance you can also choose to exchange AUD to Philippine pesos in cash in Australia before you travel. Options like Travelex often let you order PHP online and collect your cash later in a branch. Fees and exchange rate markups may apply.

Best place to get Philippine pesos from

There’s no single best place to get your travel cash. For many travellers, carrying some PHP and AUD in cash, and making some cash withdrawals as and when needed offers both security and convenience.

Pros and cons of taking cash to the Philippines

Major providers like Travelex sell PHP you can get delivered to your home
In many situations, cash will be the only accepted payment method
Convert in advance so you know exactly what you have to spend
Use travel debit cards to make cash withdrawals when you can, which often offer better rates than buying cash
Carrying a lot of cash isn't particularly safe
You’ll struggle to find exchange services in many more remote locations
Exchange rates vary widely and usually include a markup - an extra fee

Travel credit cards to use in the Philippines

Ideal for: convenient spending where cards are accepted, often with options to earn rewards, miles or cash back

Travel credit cards often come with extra benefits aimed at tourists, like low or no foreign transaction fees or extra reward points, cashback or miles when you spend in foreign currencies. If you prefer to spend on a credit card, getting one which has specific travel features can be a good plan - but bear in mind that there will also be costs, including annual fees in many cases, interest and cash advance charges.

Cash advance charges are a particular concern when in the Philippines. You’ll definitely need some cash in the Philippines, but making an ATM withdrawal with a credit card can be very pricey. Generally you’ll be better off having an alternative card with lower fees - such as a travel debit card - to use in ATMs, and keeping your credit card for spending directly with merchants. Learn about the best travel credit cards in Australia here, and read on for more on our top pick.

28 Degrees - our pick for travel credit card

Order online and start spending with your virtual card instantly if approved
No annual or monthly fees
No foreign transaction or currency conversion fees
Make ATM withdrawals overseas - fees apply for this service
Unlock perks like discounts on travel bookings and internet roaming packages

Pros and cons of travel credit cards to the Philippines

Cards are a convenient and safe way to pay
Earn rewards and discounts, or get travel perks - depending on the card you pick
Some cards have low or no foreign transaction fees
Credit cards are useful as a payment guarantee in some situations
Cards aren’t always accepted in the Philippines
Interest and fees usually apply if you don’t pay back your bill immediately
Cash advance fees and interest mean that using your card at an ATM is expensive
Eligibility rules apply

Travel requirements from Australia to the Philippines

If you’re travelling to the Philippines with an Australian passport you’ll usually be able to enter as a tourist for up to 30 days with no visa. Some Covid precautions remain at the time of writing, which may mean that you need to show proof of vaccination or a clear Covid test to enter the country.

Entry requirements can change rapidly, so checking before you travel is always advised. Check the government’s Smart Traveller website to learn more.

Does the Philippines accept Australian dollars?

No. You won’t be able to spend AUD anywhere in the Philippines. If you’re carrying dollars with you you'll need to exchange them for Philippine pesos when you arrive.

Best currency to take to the Philippines

You’ll only be able to spend in Philippine pesos in the Philippines, so you can choose to either carry AUD in cash with you and convert on arrival, or to order your travel cash in Philippine pesos before you leave. Bear in mind that exchange offices will be hard to find in more remote areas.

How much money do I need per day in the Philippines?

Your budget for the Philippines will largely be determined by how much you want to pay for accommodation. You’ll be able to find everything from cheap hostels to five star luxury, so you can design your trip to suit the amount of money you want to spend.

The great news is that many things in the Philippines are pretty cheap. To give a flavour, a 3 course lunch for 2 will set you back just over 30 AUD on average, a cheap lunch for one will be around 5 dollars - and a domestic beer about 2 dollars.

Do some detailed research to see how much things are likely to cost based on your plans and where you’re headed, so you can set your budget. Get more detailed cost information by city, from Numbeo.com .

How much does it cost to fly from Australia to the Philippines?

Flight costs vary widely depending on where in Australia you’ll leave from and where you’ll visit the Philippines. At the time of writing (September 2023), you can find flight deals starting from about 525 AUD return flying direct from Melbourne to Manila, for example. Some other destinations in the Philippines will involve at least one stop along the way.

Generally, whether you’re heading to the Philippines or anywhere else in the world, having a variety of ways to pay is definitely the smartest move. That means that if one card is declined, or you come across a merchant which will only accept cash, you’re covered.

For the Philippines in particular, bear in mind that you’ll definitely need some PHP in cash. Often cards aren’t accepted for smaller purchases, tipping, or when you’re in a more remote area. However, as carrying lots of cash isn’t a smart move for safety, taking one or more travel cards to make ATM withdrawals as and when you need to makes sense.

Picking up a travel card - such as a prepaid travel card from Wise or a travel debit card from Revolut - can mean you get a good exchange rate, plus many have some free ATM withdrawals overseas. They’re also a safe option as you won’t have to carry too much in cash at any given time, and can always freeze the card if you run into problems.

Use this guide to decide which option to take money to the Philippines will work best for you, based on your own preferences and needs.

FAQs - Best ways to take money to the Philippines

Should I exchange money before I travel to the Philippines?

You’ll need to have some cash in the Philippines, so you can exchange in advance or make an ATM withdrawal on arrival at the airport. Using an ATM can also be cheaper than advance exchange, particularly if you have a travel card from a provider like Wise or Revolut.

Can I withdraw Philippine pesos from a local ATM?

You can’t withdraw Philippine pesos at an ATM in Australia, but you can use a travel card to make an ATM withdrawal on arrival in the Philippines. This is often one of the most convenient ways to arrange your travel cash for the Philippines.

Are prepaid travel cards a good way to take money to the Philippines?

Travel prepaid cards from services like Wise are a safe way to spend when abroad. With Wise you’ll also get mid-market exchange rates and low, transparent fees which can bring down the costs of your trip.

Can I use cash in the Philippines?

Yes. Cash is unavoidable as it’s the only payment method accepted by many smaller merchants.Carry a small amount of cash at all times, and make ATM withdrawals as and when you need to so you never run short.

PNB-PAL Mabuhay Miles Prepaid Mastercard

Build your savings with us. Open a PNB Account today! Learn More

Top-up and Balance Limit

Ready to get a card, not yet a mabuhay miles member, got more questions, how to get a pnb-pal mabuhay miles prepaid mastercard, requirements for card application.

Frequently Asked Questions

Features and Benefits
Fees and Charges

Select Mastercard as mode of payment
Input 16-digit PNB Prepaid Card number
Input card expiry date
Input Card Verification Code (CVV), which is the 3-digit code found at the upper-right portion of the signature panel
A One-Time Password (OTP) will be sent to the cardholder’s registered mobile number
Finalize and confirm the transaction

Go to the nearest PNB branch and proceed to Teller
Fill-out Deposit Slip
Specify account number, cardholder’s name, and the amount to top-up (including the Php 20.00 Top-up fee)
NAC will confirm desired top-up amount is allowed within the monthly aggregate top-up limit
Keep the validated deposit Slip after the succesful top-up.
Specify account number, cardholder’s name, and the amount to top-up (including the Php 20.00 Top-up fee))
Keep the validated deposit Slip after the successful top-up.

What is a One-Time PIN (OTP)?
How do I use this feature?
How do I register or update my mobile number to receive OTP?
What happens if an OTP is not entered immediately?
What happens if I accidentally input a wrong OTP?
Where will I expect to receive the OTP?
What should I do if I did not receive the OTP?
What should I do if I changed my mobile number or email address?
Will I still receive my OTP if I am out of the country?
Is the OTP free of charge?
Can I request to disable the OTP feature in my PNB Prepaid Mastercard account?
What should I do if I receive an OTP without initiating any activity?

Here Are the Four Best Travel Money Cards in 2024

François Briod

Co-Founder of Monito and money transfer expert, François has been helping Monito’s users navigate the jungle of money transfer fees, bad exchange rates and tricks for the last ten years.

Jarrod Suda

A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

From the multitude of bank fees and ATM charges to hidden currency conversion fees, there's no question that spending your money abroad while travelling can be costly — and that's saying nothing about the cost of the holiday itself!

As you prepare for your trip abroad, the golden rule is that you'll save the most money by using the local currency of your destination. This means withdrawing local cash at foreign ATMs and using a debit card to pay directly in the local currency. For example, if you're from the UK, using your bank's debit card that accesses your British pounds will likely lose you money to hidden fees at ATMs abroad and at local merchants.

In general, we rate Revolut as the best travel card all around. Its versatile account and card can be used to spend like a local pretty much anywhere in the world. ✨ Get 3 months of free Revolut Premium as a Monito reader with our exclusive link .

If you're from the EU, UK, or US, here are a few more specific recommendations to explore:

Best for travelling from the UK: Chase
Best for travelling from the US: Chime ®
Best for travelling from the Eurozone: N26

If it's not possible for you to spend in the local currency when travelling abroad, then spending in your home currency while using a card that doesn't charge any hidden exchange rate markups from your bank (e.g. only the VISA or Mastercard exchange rates to convert currency) is still a good bet for most people.

In this guide, we explore cards that waive or lower ATM fees and that hold multiple currencies. Spend on your holiday like a local and enjoy peace of mind after each tap and swipe!

Best Travel Cards (And More!) at a Glance

Best travel money cards.

01. What is the best best multi currency card? scroll down
02. Are prepaid currency cards really it? scroll down
03. Monito's best travel money card tips scroll down
04. FAQ about the best travel cards scroll down

Revolut: Best All-Rounder

Revolut is one of the most well-known fintechs in the world because it offers services across Europe, the Americas, Asia, and Oceania.

Trust & Credibility 8.9
Service & Quality 7.9
Fees & Exchange Rates 8.3
Customer Satisfaction 9.4

Revolut is available in many countries. You can double-check if it's available in yours below:

Here's an overview of Revolut's plans:

Revolut Ultra is currently only available in the UK and EU.

Like Wise, Revolut converts your currency to the local currency of your travel destination at an excellent exchange rate (called the 'Revolut Rate', which, on weekdays, is basically on par with the rate you see on Google), making it a good way to buy foreign currency before travelling abroad. As always though, bear in mind that Revolut's exchange rates might be subject to change.

Revolut's Standard Plan only allows currency exchange at the base mid-market exchange rate for transfers worth £1,000 per month. ATM withdrawals are also free for the first €200 (although third-party providers may charge a withdrawal fee, and weekend surcharges may also apply). These allowances can be waived by upgrading memberships.

N26: Good Bank For EU Travellers

One of the most well-known neobanks in Europe, N26 and its debit card operate in euros only. However, N26 is a partner with Wise and has fully integrated Wise's technology so that you never have to pay foreign transaction fees on your purchases outside of the eurozone. While N26 does not have multi-currency functionality, N26 will apply the real exchange rate on all your foreign purchases and will never charge a commission fee — making N26's card a powerful card for EU/EEA residents who travel across the globe.

Trust & Credibility 7.9
Service & Quality 8.0
Fees & Exchange Rates 9.3
Customer Satisfaction 8.1

These are the countries in which you can register for an N26 account:

And here is an overview of the various plans and account:

This low-fee option for banking is also ideal for travellers who do not belong to a European bank but frequent the Eurozone. For example, N26 is available for residents and citizens of Switzerland, Norway, and other European Economic Area countries that do not run on the Euro.

These citizens, who are in close proximity to the Eurozone, will save each time they spend with an N26 card while in Europe. N26 provides three free ATM withdrawals per month in euros but does charge a 1.7% fee per ATM withdrawal outside of Europe.

Take a look at our guide to the best travel cards for Europe to learn more.

Wise: Best For Multi-Currency Balances

Load up to 54 currencies onto this card at the real exchange rate, giving you access to truly global travel.

Trust & Credibility 9.3
Service & Quality 8.9
Fees & Exchange Rates 7.6
Customer Satisfaction 9.6

These are the countries in which you can order a Wise debit card:

Unlike banks, credit unions, airport kiosks, and foreign ATMs, Wise is transparent about never charging a hidden exchange rate margin when you convert your home currency into up to 54 currencies. The live rate you see on Google or XE.com is the one you get with Wise.

An industry-low commission fee per transaction will range from 0.35% to 2.85%, depending on the currency.

Chase: Great UK Bank For Travel

A recent arrival from the USA, Chase is one of the UK’s newest digital challenger banks and comes with a rock-solid reputation and no monthly charges, no currency conversion charges, no withdrawal fees, and no other charges for everyday banking from Chase. It’s a simple, streamlined bank account with an excellent mobile banking app and a great cashback offer. However, it doesn’t yet offer more advanced features like international money transfers, joint accounts, business banking, overdrafts and loans, and teen or child accounts.

Trust & Credibility 10
Fees & Exchange Rates 10
Customer Satisfaction 8.7

Chime: Great Account For US Travelers

Chime is a good debit card for international travel thanks to its no foreign transaction fees¹. Unlike multi-currency accounts like Revolut (which let you hold local currency), Chime uses the live exchange rate applied by VISA. This rate is close to the mid-market rate, and Chime does not add any extra markup to your purchases, although out-of-network ATM withdrawal and over-the-counter advance fees may still apply.

Trust & Credibility 9.5
Service & Quality 8.8
Fees & Exchange Rates 9.8

While Chime waives ATM fees at all MoneyPass, AllPoint, and VISA Plus Alliance ATMs within the United States, this fee waiver does not extend to withdrawals made outside the country. For withdrawals abroad, Chime applies a $2.50 fee per transaction, with a daily withdrawal limit of $515 or its equivalent. This is in addition to any fees charged by the ATM owner. Therefore, we recommend Chime primarily for card purchases rather than relying on it for withdrawing cash while traveling internationally.

No foreign transaction fees ¹;
Uses VISA's exchange rate ( monitor here ):
A $2.50 fee per ATM withdrawal made outside of the United States;
More info: Read our Chime review or visit their website .

Best Travel Money Cards in 2024 Compared by Country

In the table below, see our comparison summary of the four best travel cards for 2024 by country:

Last updated: 8 January 2024

What's The Best Prepaid Card to Use Abroad?

Travel cards come in many varieties, such as standard credit cards or debit cards with no foreign transaction fees or cards that waive all foreign ATM withdrawal fees.

What is a Multi-Currency Card?

Multi-currency cards are a specific type of travel card that allows you to own all kinds of foreign currencies, which you can instantly access when you pay with your card abroad. By spending the local currency in the region of travel , you bypass poor foreign exchange rates. ATMs and cashless payment machines will treat your card like a local card.

We have already mentioned a few multi-currency cards in this review, but we will also introduce Travelex . Travelex's Money Card also allows you to top up several foreign currencies — albeit at exchange rates slightly poorer than the real mid-market rate .

Wise Account

Wise has one of the best multi-currency cards available on the market.

Read our full review for more details.

Revolut is impressive for its vast options in currencies and its additional services.

Our in-depth review explores Revolut's services in detail.

Travelex offers a prepaid travel money card that supports 10 currencies and waives all ATM withdrawal fees abroad.

Trust & Credibility 9.0
Service & Quality 5.8
Fees & Exchange Rates 7.1
Customer Satisfaction 9.3

Travelex charges fees, which fluctuate according to the exchange rates of the day, in order to convert your home currency into the currencies that it supports. But once the currency is on the card, you'll be able to spend like a local. Learn more with our full review .

Don’t Let Banks, Bureaux de Change, and ATMs Eat Your Lunch 🍕!

Are you withdrawing cash at an ATM in the streets of Paris? Exchanging currencies at Gatwick airport? Paying for a pizza with your card during a holiday in Milano? Every time you exchange currencies, you could lose between 2% to 20% of your money in hidden fees . Keep reading below to make sure you recognize and avoid them.

Currency Exchange Fees Eating My Lunch? What’s That?

You’re often charged a hidden fee in the form of an alarming exchange rate.

At any given time, there is a so-called “ mid-market exchange rate ” — this is the real exchange rate you can see on Google . However, the money transfer provider or bank you use to exchange currencies rarely offers this exchange rate. Instead, you will get a much worse exchange rate. They pocket this margin between the actual rate and the poor exchange rate they apply, allowing the bank or money transfer provider to profit from the currency exchange.

In other words, you or your recipient will receive less foreign currency for each unit of currency you exchange. All the while, the provider will claim that they charge zero commission or zero fees.

So the question now is… how can you avoid them? Thankfully, the best travel money cards will allow you to hold the local currency, which you can access instantly with a tap or swipe. Carrying the local currency avoids exchange rate margins on every purchase.

Top Travel Money Tips

Avoid bureaux de change. They charge between 2.15% and 16.6% of the money exchanged.
Always pay in the local currency and never accept the dynamic currency conversion .
Don't use your ordinary debit or credit card unless it's specifically geared toward international use. Doing this will typically cost you between 1.75% and 4.25% per transaction. Instead, use one of the innovative travel money cards below.

By opting for a travel card without FX fees, you can freely swipe your card abroad without worrying about additional charges. However, saving money doesn't stop there. To make the most out of your travel budget, consider using Skyscanner , one of the most powerful flight search engines available that allows you to compare prices from various airlines and find the best deals.

With Skyscanner's user-friendly interface and comprehensive search options, you can discover cheap flights and enjoy your holidays with peace of mind and more money in your pocket.

Best Travel Money Card Tips

When you convert your home currency into a foreign currency, foreign exchange service providers will charge you two kinds of fees :

Exchange Rate Margin: Providers apply an exchange rate that is poorer than the true "mid-market" exchange rate . They keep the difference, called an exchange rate margin .
Commission Fee: This fee is usually a percentage of the amount converted, which is charged for the service provided.

With these facts in mind, let's see what practices are useful to avoid ATM fees, foreign transaction fees, and other charges you may encounter while on your travels.

Tip 1: While Traveling, Avoid Bureaux de Change At All Costs

Have you ever wondered how bureaux de change and currency exchange desks are able to secure prime real estate in tourist locations like the Champs-Élysées in Paris or Covent Carden in London while claiming to take no commission? It’s easy: they make (plenty of) money through hidden fees on the exchange rates they give you.

Moneycorp exchange rate at the Gatwick Airport

Our study shows that Bureaux de Change in Paris charges a margin ranging from 2.15% at CEN Change Dollar Boulevard de Strasbourg to 16.6% (!!) at Travelex Champs-Élysées when exchanging 500 US dollars into euros for example.

If you really want cash and can’t wait to withdraw it with a card at an ATM at your destination, ordering currencies online before your trip is usually cheaper than exchanging currencies at a bureau de change, but it’s still a very expensive way to get foreign currency which we, therefore, would not recommend.

Tip 2: Always Choose To Pay In the Local Currency

Don’t fall for the dynamic currency conversion trap! When using your card abroad to pay at a terminal or withdraw cash at an ATM, you’ve probably been asked whether you’d prefer to pay in your home currency instead of the local currency of the foreign country. This little trick is called dynamic currency conversion , and the right answer to this sneaky question will help you save big on currency exchange fees.

As a general rule, you always want to pay in the local currency (euros in Europe, sterling in the UK, kroner in Denmark, bahts in Thailand, etc.) when using your card abroad, instead of accepting the currency exchange and paying in your home currency.

This seems like a trick question - why not opt to pay in your home currency? On the plus side, you would know exactly what amount you would be paying in your home currency instead of accepting the unknown exchange rate determined by your card issuer a few days later.

What is a Dynamic Currency Conversion?

However, when choosing to pay in your home currency instead of the local one, you will carry out what’s called a “dynamic currency conversion”. This is just a complicated way of saying that you’re exchanging between the foreign currency and your home currency at the exact time you use your card to pay or withdraw cash in a foreign currency, and not a few days later. For this privilege, the local payment terminal or ATM will apply an exchange rate that is often significantly worse than even a traditional bank’s exchange rate (we’ve seen margins of up to 8%!), and of course, much worse than the exchange rate you would get by using an innovative multi-currency card (see tip #3).

In the vast majority of times, knowing with complete certainty what amount you will pay in your home currency is not worth the additional steep cost of the dynamic currency conversion, hence why we recommend always choosing to pay in the local currency.

Tip 3: Don't Use a Traditional Card To Pay in Foreign Currency/Withdraw Cash Abroad

As mentioned before, providers make money on foreign currency conversions by charging poor exchange rates — and pocketing the difference between that and the true mid-market rate. They also make money by charging commission fees, which can either come as flat fees or as a percentage of the transaction.

Have a look at traditional bank cards to see how much you can be charged in fees for spending or withdrawing $500 while on your holiday.

These fees can very quickly add up. For example, take a couple and a child travelling to the US on a two-week mid-range holiday. According to this study , the total cost of their holiday would amount to around $4200. If you withdraw $200 in cash four times and spend the rest with your card, you would pay $123 in hidden currency exchange and ATM withdrawal fees with HSBC or $110 with La Banque Postale. With this money, our travellers could pay for a nice dinner, the entrance fee to Yosemite Park, or many other priceless memories.

Thankfully, new innovative multi-currency cards will help you save a lot of money while travelling. Opening an N26 Classic account and using the N26 card during the same US holidays would only cost $13.60.

Need Foreign Cash Anyway?

In many countries, carrying a wad of banknotes is not only useful but necessary to pay your way since not every shop, market stall, or street vendor will accept card payments. In these cases you'll have two options to exchange foreign currency cheaply:

1. Withraw at an ATM

As we've explored in great depth in this article, withdrawing money from a foreign ATM will almost always come with fees — at the very least from the ATM itself, and so it's therefore the best strategy to use a travel debit card that doesn't charge in specific ATM withdraw fees on its own to add insult to injury. That said, if you need cash, we recommend making one large withdrawal rather than multiple smaller ones . This way, you'll be able to dodge the fees being incurred multiple times.

2. Buy Banknotes (at a Reasonable Rate!)

As we've also seen, buying foreign currency at the airport, at foreign bank branches, or in bureaux de change in tourist hotspots can be surprisingly expensive. Still, not all exchange offices are equally pricey . If you're looking for a well-priced way to exchange your cash into foreign currency banknotes before you travel, Change Group will let you order foreign currency online and pick them up at the airport, train station, or a Change Group branch just before you leave for your holiday. A few pick-up locations in the UK include:

London centre (multiple locations),
Glasgow centre,
Oxford centre,
Luton Airport,
Gatwick Airport,
St. Pancras Station.

(Note that Change Group also has locations in the USA, Australia, Germany, Spain, Sweden, Austria, and Finland!)

Although its exchange rates aren't quite as good as using a low-fee debit card like Revolut, Change Group's exchange rates between popular currencies tend to be between 2% to 3%, which is still a lot better than you'll get at the bank or at a touristy bureau de change in the middle or Paris or Prague!

FAQ About the Best Travel Money Cards

Having reviewed and compared several of the industry's leading neobanks, experts at Monito have found the Wise Account to offer the best multi-currency card in 2024.

In general, yes! You can get a much better deal with new innovative travel cards than traditional banks' debit/credit cards. However, not all cards are made equal, so make sure to compare the fees to withdraw cash abroad, the exchange rates and monthly fees to make sure you're getting the best deal possible.

Sign up for a multi-currency account;
Link your bank to the account and add your home currency;
Convert amount to the local currency of holiday destination ( Wise and Revolut convert at the actual mid-market rate);
Tap and swipe like a local when you pay at vendors.

Yes, the Wise Multi-Currency Card is uniquely worthwhile because it actually converts your home currency into foreign currency at the real mid-market exchange rate . Wise charges a transparent and industry-low commission fee for the service instead.

More traditional currency cards like the Travelex Money Card are good alternatives, but they will apply an exchange rate that is weaker than the mid-market rate.

The Wise Multi-Currency Card is the best money card for euros because unlike banks, credit unions, airport kiosks, and foreign ATMs, Wise is transparent about never charging a hidden exchange rate margin when you convert your local currency into euros with them.

The live rate you see on Google or XE.com is the one you get with Wise . An industry-low commission fee will range from 0.35% to 2.85%. USD to EUR transfers generally incur a 1.6% fee.

Learn more about how to buy euros in the United States before your trip.

There are usually three types of travel cards, prepaid travel cards, debit travel cards and credit travel cards. Each have pros and cons, here's a short summary:

Prepaid travel cards: You usually need to load cards with your home currency via a bank wire or credit/debit card top-up. You're then able to manage the balance from an attached mobile app and can use it to pay in foreign currencies or withdraw cash at an ATM abroad tapping into your home currency prepaid balance. With prepaid travel cards, as the name indicates, you can't spend more than what you've loaded before hand. Some prepaid card providers will provide ways to "auto top-up" when your balance reaches a certain level that you can customize. On Revolut for example, you can decide to top-up £100/£200/£500 from your debit card each time your balance reaches below £50.
Debit travel cards: Some innovative digital banks, like N26 or Monzo, offer travel debit cards that have the same advantages than a Prepaid Travel Cards, except that they're debit card directly tapping into your current account balance. Like a Prepaid travel card, you can't spend more than the balance you have in your current account with N26 or Monzo, but you can activate an overdraft (between €1,000 or €10,000 for N26 or £1,000 for Monzo) if you need it, for a fee though.

Note that even if they're Prepaid or Debit cards, you can use them for Internet payments like a normal credit card.

Credit travel cards: You can find credit cards made for international payments offering good exchange rates and low fees to withdraw money abroad, but you'll need to pay interests in your international payment if you don't pay in FULL at the end of every month and interest on your ATM withdrawals each day until you pay them back.

Why You Can Trust Monito

Our recommendations are built on rock-solid experience.

We've reviewed 70+ digital finance apps and online banks
We've made 100's of card transactions
Our writers have been testing providers since 2013

Other Monito Guides and Reviews on Top Multi Currency Cards

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.

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[Updated 2020] Best Travel Bank Cards In The Philippines
Best Travel Credit Cards in the Philippines
Best Philippine Travel Credit Card in 2021
Guide to Travel Bank Cards in the Philippines for E-prepaid and Credit
Guide to Travel Bank Cards in the Philippines for E-prepaid and Credit
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MAGANDANG PAGBABAGO SA E-TRAVEL REGISTRATION

COMMENTS

6 Best Travel Cards for Philippines
Revolut travel card - best selection of account types - 3 different plans depending on your preferences. Chime travel card - no foreign transaction fee. Monzo travel card - no Monzo ATM fees. Netspend travel card - large selection of different card options. PayPal travel card - globally accepted. Card.
Money in the Philippines: What to Know for Travel
The Philippine Peso. The Philippine peso (currency code: PHP) is the official currency of the Philippines. The colorful notes come in denominations of 20, 50, 100, 200 (not common), 500, and 1,000. The peso is further divided into 100 centavos, however, you'll rarely deal with or encounter these fractional amounts.
Get your Philippine Peso Currency Card
Where is the multi-currency Philippine Peso card available? Order your debit card in the Revolut app and get it sent to you. Then spend in Philippine Pesos like a local when you travel to Philippines. You can order your multi-currency card from 30+ other countries. Check availability via the Revolut app. Start spending abroad.
Compare international prepaid cards for your trip in
MOVO Digital. Netspend. PayPal. See more reviews. View more. There are plenty of ways to take your cash overseas, but the right option will depend on your finances, travel plans and spending habits. Weigh the features, fees and benefits of a prepaid travel money to help you find the best travel money option for your next overseas trip.
3 Best Travel Cards for Philippines
Wise travel card. Delivered in Canada Visa/Mastercard debit card Virtual card available Mid-market exchange rate. Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in Philippines. Wise accounts can hold 40+ currencies, so you can top up in CAD easily from your bank or ...
Guide to Travel Bank Cards in the Philippines for E-prepaid and Credit
For an application fee of only P100.00, EastWest Bank offers a prepaid Visa credit card that would allow you to pay for dining, shopping, fuel, groceries, utility bills and online purchases. For as long as the merchant or establishment that you are transacting with accepts VISA as a payment option, whether here or abroad, you will be able to use your Prepaid Card for payment.
What Are Travel Money Cards & How Do They Work?
Travel money cards are a popular payment method for individuals headed abroad. Customers will load funds onto the card, using the money as foreign currency when overseas, much like a debit card is used at home. Also known as travel money prepaid cards or currency cards, they facilitate free foreign transactions and overseas ATM withdrawals.
The 3 Best Cards for Aussies to Use in The Philippines
28 Degrees is our best value travel credit card. The 28 Degrees Platinum Mastercard is our best value travel credit card. With this card: There are no annual fees. No overseas purchase fee or currency conversion fee. You get 55 days interest free on purchases. Access to free 24/7 concierge service.
Top Visa Mastercard Prepaid Cards Philippines
BPI Amore Visa Prepaid Card. BPI Amore Visa Prepaid Card is the other prepaid card that is powered by Visa. It is up for grabs for ₱200, and with an additional ₱50 you can activate beep services for MRT, LRT, and BGC bus rides. It has a validity of four years, with a charge of ₱99 on the third and fourth year.
17 Best Prepaid Cards (Visa/Mastercard) in the Philippines
You can find more info, here. Related: BDO Virtual Card - and other virtual payment cards in the Philippines. 6. YAZZ VISA Prepaid Card. Limit: P10,000 - P100,000. Cost: P300. Similarly, Metrobank's YAZZ Reloadable Prepaid VISA Card is a general purpose card that can be used wherever VISA is accepted.
20 Best Travel Credit Cards in the Philippines 2024
The Signature Card is one of BPI's best travel credit cards. On top of a range of travel perks, cardholders can save money on their overseas travels with its low foreign currency transaction fee and special rates for exchanging foreign currencies. 📌 BPI Signature Card Travel Benefits. Low forex conversion rate of just 1.85%.
Travel Money Guide [Credit/debit cards + FX]
Debit card. You should be able to withdraw cash from an international ATM with decent exchange rates and fees ranging from 1% to 3%. Airport kiosks and currency exchange stores should only be used as a last resort. Airport kiosk. After disembarking from the plane, you can exchange your currency at the airport.
Best Ways to Take Money to the Philippines in 2024
Pros and cons of taking money to the Philippines with a travel debit card. Pros: No credit checks and no interest charges to worry about. Cards are designed for travel use and often have extra travel perks and low cost, or free, currency conversion. ATM withdrawals are cheaper compared to a credit card as there's no interest or cash advance ...
Best Currency to Take to the Philippines
The best currency to take to the Philippines is the local currency, the Philippine peso. US dollars are also highly exchangeable at local banks and currency exchange offices. However, instead of converting physical banknotes, the cheapest way to pay in the Philippines is to use a multi-currency travel debit card like Revolut or Wise.
PNB-PAL Mabuhay Miles Prepaid Mastercard
PNB-PAL Mabuhay MilesPrepaid Mastercard. . Earn points when you spend using your PNB-PAL Mabuhay Miles Prepaid Mastercard and redeem for Mabuhay Miles. . Accepted at any BancNet, MegaLink, or ExpressNet ATMs in the Philippines. . Accepted here and abroad at Mastercard and Maestro affiliated shops and ATMs. .
Prepaid Card
Enjoy multiple currencies in one card. Load up to six different currencies in a single card - US Dollar, Euro, British Pound, Hong Kong Dollar, Australian Dollar and Japanese Yen and make cashless purchases in the local currency. Note: EastWest Visa Travel Money is not valid for use in the Philippines. Request for Call Back.
These Are the Best Prepaid Travel Money Cards in 2024
N26: Good Bank For EU Travellers. One of the most well-known neobanks in Europe, N26 and its debit card operate in euros only. However, N26 is a partner with Wise and has fully integrated Wise's technology so that you never have to pay foreign transaction fees on your purchases outside of the eurozone. While N26 does not have multi-currency functionality, N26 will apply the real exchange rate ...
Planning to Travel This Summer? 3 Great Credit Cards to Help You Save Money
Great for air travel. If you're planning to fly this summer, an airline co-branded credit card could be a smart idea. And the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is ...