Visa and Mastercard widely accepted at hotels, restaurants, chain stores, and tourist areas. Some merchants add 5-10% commission. Limited outside major cities.

ATMs abundant in cities and towns. Standard fee ₱250 (~$4.50) per withdrawal. HSBC ATMs charge zero but rare. PNB fees ₱18 as of Sept 2026.

Foreign cards accepted at major online merchants. Local ecommerce may prefer cash-on-delivery.