Travel Tips Travelling to Philippines

How to withdraw money in the Philippines with the Wise card

Gert Svaiko

30.06.25

Read time 1 minute

Getting ready for a trip to the Philippines? This is a good time to think about how you’ll manage your spending while you’re there. If your main UK bank card isn’t ideal for international use, the Wise debit card could be a better option. But how do you use a Wise card at ATMs in the Philippines?

In this guide, we’ll explain how to withdraw money from Wise in the Philippines. We’ll get into fees and limits and also how you can use the Wise digital card.

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Can I use a Wise card to withdraw cash in the Philippines?

Yes, you can use your Wise debit card to withdraw cash from ATMs in the Philippines. Most ATMs in the country support international cards, so you shouldn’t have any issues.

With your Wise debit card, you can withdraw up to £200 per month for free, with up to two withdrawals.

If you go over this allowance, a 1.75% fee applies to the amount withdrawn. Starting from your third withdrawal in the same month, there’s also a £0.50 fixed fee per withdrawal, on top of the 1.75% fee.

You can always check your withdrawal limits in the Wise app or online.

Keep in mind that ATM providers in the Philippines may have their own limits and fees. These are usually displayed before you confirm the transaction.

💡 Read more: Cash or card in the Philippines: Which is the best way to pay?

How to withdraw money in the Philippines with the Wise card?

Before withdrawing money in the Philippines, start by making sure the ATM accepts foreign cards.

Once you’re ready, the process is straightforward:

Insert your Wise card into the ATM
Enter your PIN
Choose the withdrawal option and enter the amount
Select to get paid in the local currency, but avoid letting the ATM do the conversion
Collect your cash and make sure to take your card

💡 Read more: How to use the UK-issued Wise card abroad

How to use the Wise digital card at an ATM in the Philippines

To withdraw money from Wise in the Philippines using your digital Wise card, just follow the same steps as you would with a physical card. The key difference is that you’ll need to find an ATM that supports contactless payments when using a digital card.

Where to withdraw cash in the Philippines with the Wise card?

If you’re in a big city such as Manila, finding an ATM should be easy. They’re commonly found in shopping centres, supermarkets, near bank branches and in other busy areas.

In more remote locations, it might take a bit more effort. You can use the Visa ATM locator or Mastercard ATM locator to find the nearest machine. You can also look for ATMs that display the Visa and Mastercard logos.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.