MariCard Debit Card Fees: ATM Withdrawals, FX Charges, and Limits

MariBank’s debit card, MariCard, is free to get (the physical card costs ₱49), but it comes with specific fee structures that are easy to miss until you are at an ATM or paying in a foreign currency [citation:12].

Local ATM Withdrawals

Withdrawing from a local ATM costs ₱15 per transaction, though if the ATM itself charges a fee, only the ATM’s fee applies [citation:4]. Balance inquiries at local ATMs cost ₱5 [citation:4]. Daily withdrawal limits vary by account standing, so check the Card Settings section in the app rather than assuming a fixed amount [citation:8].

International ATM Withdrawals and FX

International ATM cash withdrawals are free on MariBank’s side, but some overseas ATMs may impose their own transaction fee [citation:4]. International balance inquiries cost ₱50 [citation:4].

For card purchases, the FX treatment depends on where you tap or click:

• Overseas in-store purchases: 0% foreign transaction fee [citation:8][citation:14].
• Overseas online transactions: 2% foreign transaction fee (since March 4, 2025) [citation:8].

This distinction matters if you subscribe to services billed in USD or shop from international sellers online.

Transfers

MariBank offers unlimited free transfers via InstaPay and PESONet [citation:2][citation:3]. This is a meaningful perk if you move money between banks frequently.