Debit Card

Introducing the Bank of Commerce Debit Card, the new international Mastercard-enabled card equipped with an EMV (Europay, Mastercard and Visa) chip technology for improved security against fraud, and Mastercard Contactless, the modern way to pay for purchases!

Debit Card allows you worry-free access to your linked Bank of Commerce deposit account, to inquire your balance or withdraw funds through EMV-compatible terminals like ATMs, and to pay for purchase through point-of-sale (POS) at any Mastercard-affiliated merchants worldwide and BancNet-affiliated merchants nationwide, as well as online payment sites and channels.

Types of Debit Cards

Opening a Bank of Commerce Peso deposit account with ATM feature for Individuals provides you with a standard Mastercard Debit Card. Choose from a variety of savings or checking account products here .

Sikap Pinoy Debit Card is for individuals who open a Sikap Pinoy deposit account.

Platinum Debit Card is a special card for clients entitled under the BankCom Experience Program. To know more about BankCom Experience, the Bank’s premiere membership program, please click here .

All Bank of Commerce Debit Cards come with the following:

Domestic Acceptance

Use your Bank of Commerce Debit Card in any of more than 250 Bank of Commerce ATMs, over 12,000 BancNet ATMs and 5,000 POS terminals, and numerous Mastercard POS terminals nationwide.

International ATM Access

Access your funds in any of more than 2 million Mastercard-enabled ATM locations around the world and inquire your account balance or withdraw cash in the local currency*. Or pay for purchases in any of over 38 million locations worldwide accepting Mastercard products in 210 countries. Tap the card to pay at any of 4.8 million Mastercard Contactless merchant locations in 74 countries. Your transactions are converted and conveniently debited from your Peso deposit account in real-time, so you’ll know right away how much more you can spend.

* subject to applicable transaction limits, foreign currency exchange rates, and fees

Limits and Fees

Transaction Type Entity Limit per Transaction Daily Limit Transaction Fee
ATM Withdrawal Bank of Commerce Php10,000 Php20,000 FREE
BancNet Depends on Bank Php20,000 Php13.00
Mastercard (International) Depends on Bank Php20,000 equivalent Php175.00 + acquirer bank’s fee at Mastercard forex rate
ATM Balance Inquiry Bank of Commerce FREE
BancNet Php2.00
Mastercard (International) Php75.00 + acquirer bank’s fee at Mastercard forex rate
ATM Bill Payment Bank of Commerce Available Balance Available Balance FREE
BancNet Available Balance Available Balance FREE
Combined POS and Online Purchase Mastercard
(Domestic)		 No limit; but should not exceed MAXIMUM CUMULATIVE PURCHASE LIMIT per day • Junior Smart Savers (Php5,000)
• Regular and Sikap Pinoy (Php20,000)
• Priority Access (Php50,000)		 FREE
Mastercard (International) No limit; but should not exceed MAXIMUM CUMULATIVE PURCHASE LIMIT per day • Junior Smart Savers (Php5,000)
• Regular and Sikap Pinoy (Php20,000)
• Priority Access (Php50,000)		 No fixed fee

Security

Bank of Commerce Debit Cards are equipped with well-established security features:

Terms and Conditions

DEBIT CARD TERMS AND CONDITIONS

  1. Definitions
    1. “Account/s” means the savings and/or current accounts maintained by a Cardholder with Bank of Commerce in which the Debit Card is linked.
    2. “Bank” means Bank of Commerce
    3. “Debit Card” means Bank of Commerce Mastercard Debit Card which is equipped with EMV chip technology with improved security against fraud. The Debit Card allows Cardholders worry-free access to his account/s thru any EMV compatible payment terminals, like ATMs and online merchants, here and abroad.
    4. “Cardholder/s” means depositor or depositors of the Bank to whom a card has been issued.
    5. “EMV” means Europay Mastercard Visa.
    6. “Machine” or “ATM” means Automated Teller Machine (ATM) installed by the Bank for use by the Cardholder. It also includes other ATMs or electronic devices in which the card could be used, as advertised from time to time.
    1. Lost/Stolen Card;
    2. Defective Card;
    3. Transaction Time Out; and
    4. ATM Hardware/Machine failure

    Safety Tips