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  International BPI Direct ATM Card  

  BPI Direct now gives you direct connection to your finances all over the world!  
  You can now use your BPI Direct ATM Card in over 900,000 ATMs in 120 countries worldwide! Simply look for the Cirrus logo found on ATM Machines and you can now get cash in the local currency of the country you are visiting.
 
  BPI Direct goes with you anywhere you go. It's even cheaper than purchasing traveler's cheques to fund your expenses abroad. It can be used as a debit card that can take you Express Shopping at over 3.3 million establishments around the world via Maestro International point-of-sale debit system!
 

  Here are some things you should know:  
 
  • For every transaction made abroad, a fee is charged for the service. The following are the service charges:
      Successful Withdrawal US$ 2.50
      Denied Withdrawal US$ 0.50
      Balance Inquiry US$ 1.00
  • The amount that can be withdrawn is the equivalent local currency up to your card's daily withdrawal limit. You therefore have to know the foreign currency equivalent to ensure that you do not exceed the daily limit or the available balance.
  • The amount that will be debited from your account is inclusive of service charges.
  • Some states in the U.S. charge an additional fee on ATM access on top of the international Cirrus transaction fee. This access charge is added to the requested amount. Banks allowed by U.S. State Law to levy this charge must, by Master Card rules, display a fee notice on the terminal signage and on the ATM screen. The fee notice screen will prompt you for your agreement to the surcharge. You can cancel the transaction request if you do not want to pay the surcharge on top of the Cirrus charge.
  • If your account is Peso-denominated, your peso account will be debited based on prevailing selling rates at the time of the transaction.
 

  Sample Computation of Charges:  
 
Amount Withdrawn   US$ 500      
Charges:            
     Successful Withdrawal US$ 2.50      
     Access Charge US$ 1.00      
Foreign Exchange Rate   PHP 53.10 = US$ 1
 
 
  US$ 500 X 53.10 = PHP 26,550.00
  US$ 2.50 X 53.10 = PHP 132.75
  US$ 1.00 X 53.10 = PHP 53.10
 
  *Summing up, the total charge would be PHP 26,735.85.