BDO Universal Teller Machines

BDO operates a large ATM and cash deposit network in the Philippines, with 6,000+ ATMs and CDMs reported across the country.

Typical BDO ATM services include cash withdrawal, balance inquiry, fund transfers, and bill payments. Some locations provide CDMs for deposits and UTMs for expanded self‑service.

A commonly cited daily withdrawal limit is up to ₱50,000 per day, depending on your card and account settings.

Fees are commonly free for BDO cardholders at BDO ATMs. Local non‑BDO ATM withdrawals may cost ₱18, while international withdrawals may cost ₱250 per transaction, plus possible third‑party charges.

Cardless withdrawals may be available at QR‑enabled ATMs by generating a QR code in the BDO Pay app and scanning it at the machine.

Universal Teller Machines (UTMs) are self‑service machines that can support more than standard ATM functions. Depending on the location, UTMs may support check deposits, passbook updates, and bill payments.

This guide explains typical UTM features and how they differ from standard ATMs.