Typical ATM fee: $3-6 per withdrawal, regardless of amount.
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Typically $3-6 in flat ATM fees per withdrawal in Philippines, regardless of how much you take out. Fees and withdrawal limits per transaction vary significantly by bank — BPI and BDO are commonly used.
Dynamic Currency Conversion (DCC) is when an ATM or card terminal offers to charge you in your home currency instead of the local one — it applies a worse exchange rate with a hidden markup. DCC prompts are very common in Philippines. Always choose to pay in the local currency.
Generally yes — since ATM fees in Philippines are typically a flat amount per withdrawal, taking out a larger sum less often costs you less in total fees than several small withdrawals.
Possibly — many banks charge their own foreign transaction and/or out-of-network ATM fee in addition to whatever Philippines's local ATM charges, so check your bank's fee schedule before you travel.
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