Without activating it first in the Philippines or without calling them in their international toll-free number or hotline. I didn’t know when this restriction started, but a few years ago you can instantly withdraw funds in your savings account without calling BPI to activate your card for international withdrawal when you’re in a foreign country (outside the Philippines). That’s why there’s this “international” text in the your BPI debit card right below the BPI Express Teller logo and a Cirrus logo to show that you can withdraw in any international ATM with Cirrus logo.
But now, they made it more INCONVENIENT. Before leaving the Philippines you should call their hotline or visit your branch to activate your card for international withdrawal. Yay! Thank you BPI for the inconvenience!