Exchanging Currency at ATM in Cebu

When using HSBC or Security Bank ATMs in Cebu, exchange fees are either very low or

not charged at all, making them a popular option for travelers.

Below is a simple guide on where to find ATMs and how to use them correctly.

How to Use an ATM

HSBC ATM

Insert your card
Enter a 6-digit PIN (your 4-digit card PIN + 00)
Select Cash Withdrawal
Select Savings
Enter the amount (Maximum 40,000 PHP)
Select Continue Without HSBC Exchange
Select Yes

Important Notice

If you select Continue with HSBC Exchange, your transaction will go through

triple currency conversion (your local currency > USD > PHP).

This can result in very high fees, sometimes amounting to tens of thousands of won.

Security Bank ATM

Insert your card
Enter a 6-digit PIN (your 4-digit card PIN + 00)
Select Fast Cash
Select Checking
Select the amount (Maximum 20,000 PHP)
Select Yes

ATM Locations

Mactan Airport: HSBC
SM City Mall: Security Bank
1st Floor, next to ACE Hardware
Ayala Center Cebu: Security Bank
2nd Floor, Outdoor Terrace, next to Bigby’s
Across from Ayala Center Cebu: HSBC, Security Bank

During peak travel seasons, ATMs at Mactan Airport can become very crowded and may run out of cash, making withdrawals unavailable. We recommend using ATMs in malls whenever possible.