Hana Travelogue — The Complete Guide to Fee-Free ATM Withdrawals in the Philippines
What is Travel Log?
The Travel Log Check Card issued by Hana Bank is a card that can be used with 0 won in exchange fees and 0 won in overseas payment fees when traveling abroad. You can exchange Philippine Pesos (PHP) directly within the app and withdraw Pesos from local ATMs.
Philippine Peso Free Exchange Event
Event Period: Until December 31, 2026
Eligible Currencies: 54 types, including Philippine Peso (PHP)
Exchange Fee: 0 won (100% preferential exchange rate)
Re-exchange Fee: 1% (when converting unused foreign currency to Korean Won)
💡 Tip: You can avoid the re-exchange fee by charging only the exact amount you plan to withdraw.
ATM Withdrawal Limits
CategoryLimitDaily Withdrawal LimitUSD 6,000 equivalentMonthly Withdrawal LimitUSD 10,000 equivalentMaximum Holdings per CurrencyKRW 2 million equivalentAnnual Exchange LimitUSD 100,000
ATM Withdrawal Limits per Bank in the Philippines
Security Bank ⭐ — ₱20,000 — Fee-free!
UnionBank — ₱40,000 — Fee ₱250
BPI — ₱20,000 — Fee ₱250
Metrobank — ₱20,000 — Fee ₱250
Landbank — ₱20,000 — Fee ₱250
PNB — ₱20,000 — Fee ₱250
UCPB / HSBC — ₱40,000 — Fee ₱250
BDO — ₱10,000 — Fee ₱250
Citibank — ₱15,000 — Fee ₱250
⭐ Using Security Bank ATMs means 0 local fees! Other banks charge ₱250 (approximately 6,000 KRW) per transaction.
How to Use the ATM (Step-by-Step)
Insert Card — Insert your Travel Log Check Card into the ATM.
Enter 6-Digit PIN — Philippine ATMs require a 6-digit PIN.
Enter your 4-digit PIN + 00 (e.g., 1234 → 123400)
Or 00 + your 4-digit PIN (e.g., 001234)
Select WITHDRAWAL or FAST CASH
Select SAVINGS or CHECKING (Either works, usually CHECKING)
Enter Amount — Enter the desired Peso amount (up to ₱20,000 at Security Bank).
Fee Notification Screen — Confirm "Transaction fee will be charged" and select YES.
Collect Cash — Take your card first, then collect your cash.
Important Notes
Charge First: You can only withdraw from an ATM after exchanging KRW to PHP in the Hana Money app.
Check Balance: Ensure you have enough funds charged to cover the withdrawal amount.
ATM Out of Cash: ATMs may occasionally be out of cash. Try a different machine.
Keep Receipt: Always keep your receipt after withdrawal (for dispute resolution).
Night Use Caution: It's recommended to use ATMs inside shopping malls or bank branches.
Lost Card: Report lost card to Hana Bank Overseas Lost and Stolen Reporting: +82-2-1588-1111
Travel Log vs. Cash Exchange Comparison
ItemTravel Log ATMLocal Exchange OfficeExchange Rate100% preferential (lowest fees)Varies by vendor (1-3% margin)FeesSecurity Bank 0 wonNone (included in exchange rate)ConvenienceApp charge → ATM withdrawalCarry cash → In-person exchangeSecurityCharge small amounts onlyRisk of carrying large amounts of cash
Conclusion: If you need Philippine Pesos in the Philippines, the combination of Travel Log + Security Bank ATM is the most economical with 0 fees.
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