🇵🇭 Monzo in the Philippines [Wiki]


This is a wiki crowdsourced by the Monzo Community to help you travel with Monzo.

Just like Wikipedia, anyone can edit it to help out others. If you have any tips or feedback for visiting the Philippines with Monzo, please feel free to edit this guide. You can also add a comment or question below — someone will then incorporate your comment into the main text below and then delete your comment. To create your own “Monzo in …” guide if one doesn’t already exist, just copy this template into a new post and write away!

Safe travels! :wave: :airplane:


Philippine Peso, ₱, PHP

Card usage


The Philippine banking system is moving to EMV and is in it’s implementation stage, this is the reason some new ATMs are Chip and Pin and older ones aren’t due to them not being upgraded yet. To withdraw cash at the older ATMs turn on Magstripe ATMs in the app settings.

All machines nationwide, in my experience, charge 200 PHP per transaction. I would suggest withdrawing the daily card limit £300/day or ~20,000 PHP to maximize this fee. There are two exceptions, Citibank and HSBC ATMs do not charge these but their branches/ATMs are very scarce and mostly in Metro Manila.

Payment and withdrawal limits

Crowdsourced merchant data


To edit this guide, just tap the pencil icon below. Alternatively, add a reply with your comments and someone from the community will incorporate your suggestions into the guide and then delete your comment.

Monzo in Philippines