The BPI International ATM card (cirrus logo), ive heard ganun nga yung charging for a non-bpi transaction, in ANY COUNTRY (basta may cirrus logo). the 200 pesos we pay is basically for that convenience, sana lang talaga i-explain ng BPI yun sa mga kumukuha ng card nila, di kasi nila sinasabi sa mga kumukuha ng atm para mas malaki kita nila.

For me, i like the convenience it gives me, and im willing to pay the price, that ATM has saved my ass so many times when i was in europe and needed money. kasi almost any bank within the EU accepts withdrawals using the bpi ATM

But for those who don't go abroad, alam ko pwede mu pa-change yung atm mo sa bpi, or pagtyagaan mu na talaga maghanap at pumila sa bpi machine. to each his own