Debit Card

Card Delivery

Does Komo provide a debit card?


Yes. Upon successful account opening, we will send you a Visa debit card which you can use to pay in-store and online or to withdraw money from any BancNet-affiliated ATM nationwide.

During account opening, you can customize the name to be displayed on the card. This will be delivered to the current address you specified in your profile information as long as it is within the coverage area of our couriers. If your address is outside typical couriers’ delivery areas, please email us at support@komo.ph so we can deliver the card to your nearest courier branch for pick up.

Our courier will make 3 attempts to deliver your card. If the first 3 delivery attempts fail, the card will be returned to us and you will have to request for redelivery. A P200 fee will be charged to the customer’s Komo account for each redelivery request.




Do I need to request a debit card or will it be delivered to me automatically?


Your Komo debit card will be processed within a few days from your account approval. We will print and deliver your card automatically—no need to request for one. The card and first 3 delivery attempts are completely free and you will be notified through SMS, app notification, and email once it's on its way. If the first 3 delivery attempts are not successful, you may request redelivery by emailing support@komo.ph. Please note however that a P200 fee will be charged to your Komo account for each redelivery request.




How long does it take to deliver the debit card?


We usually aim to send out your debit card within 3-7 days from account approval. However, high volumes of new applications and travel restrictions related to local quarantine protocols may lead to delays in delivery. You will receive a notification through an SMS and app notification once your card has been picked up by our courier.




Can I change the delivery address for my debit card?


Yes. To change the delivery address for your debit card, just contact our support team by emailing support@komo.ph or calling +63288881777. Our team will first verify your identity for security. Upon successful verification, they will be able to help you change your delivery address. Please note however that if your card is already on its way back to us or if there have already been 3 unsuccessful delivery attempts to your original address, any redelivery requests will be charged a P200 fee.




How do I temporarily lock and unlock my Komo debit card?


Step 1: To lock or unlock your debit card, tap 'Card' on the bottom navigation. Step 2: Tap 'Temporarily Lock My Debit Card'. Step 3: Choose which channels to lock or unlock. If you would like to temporarily block the card, choose 'Lock All' on the options. Step 4: Tap 'Save' to update your settings. Step 5: Wait for the confirmation message and tap 'OK' to return to the card screen. Your debit card will now be unusuable on the channels you've chosen to lock.




How do I change my debit card PIN?


Step 1: To change your debit card PIN, tap 'Card' on the bottom navigation. Step 2: Tap 'Reset PIN'. Step 3: Enter your current PIN. Step 4: Set a new PIN. Step 5: Confirm your new PIN by entering it one more time. Step 6: Tap 'OK' to complete the update. You may now use this new PIN on your next card transaction.




Can I expedite the delivery of my debit card?


We only have standard delivery for all of our debit cards. Majority of the card creation process is done automatically to minimize human involvement given the sensitive information involved. This automated process is the reason why we also cannot give special considerations to a specific card.




What are the fees and limits associated with my Komo debit card?


Here are the fees associated with using the Komo debit card:

  • Local Balance Inquiry (EastWest ATM) - Free
  • Local Balance Inquiry (Non-EastWest ATM) - Shouldered by Komo
  • Local Cash Withdrawal (EastWest ATM) - Free
  • Local Cash Withdrawal (Non-EastWest ATM) - Shouldered by Komo up to 4 withdrawals per month.
  • Card Replacement - ₱200
  • Card Redelivery (Beyond the first 3 attempts) - ₱200
Below are the limits associated with using your Komo debit card:
  • ATM Balance Inquiry - No limit
  • ATM Cash Withdrawal - ₱20,000 per transaction; ₱50,000 per day
  • E-commerce Purchcase - ₱10,000 per transaction; ₱100,000 per day
  • POS Purchase - ₱10,000 per transaction; ₱100,000 per day
  • POS Balance Inquiry - No limit




What is ABFC and will I know be charged for withdrawals using my Komo debit card?


On April 7, 2021, banks in the Philippines will switch to a new charging model called the Acquirer Based Fee Charging model. This means that starting April 7, the bank which owns the ATM will be the one charging all fees. Despite this change, Komo customers will continue to enjoy unlimited free withdrawals at EastWest ATMs and up to 4 free withdrawals per month for other BancNet ATMs until further notice.




I was not able to receive my card during the courier delivery. What should I do?


You may request for redelivery of your card by sending an email request to support@komo.ph. A redelivery fee of P200 will charged from your account for your card to be dispatched for redelivery.





Withdrawing from Komo

How do I withdraw money from my Komo account?


You can withdraw your money by using your Komo Visa Debit Card at any BancNet-linked ATM nationwide. Get unlimited free withdrawals from ATMs under the EastWest network, plus 4 free* withdrawals per month for other Bancnet-affiliated ATMs in the Philippines. You can also transfer money to another bank or e-wallet through InstaPay, for free.
* Free withdrawals through ATMs outside the EastWest network will be initially charged to your account and automatically refunded after 2 log-ins on the app.





Help!

I had my debit card take by an ATM machine


Your card gives you unlimited free withdrawals through EastWest ATMs and up to 4 free withdrawals per month through other BancNet-affiliated ATMs. If you were charged for a withdrawal, first make sure that you have not exceeded your monthly free withdrawal limit for non-EastWest ATMs.
If you are still within your monthly free withdrawal limit, make sure to log in to the Komo app twice and the withdrawal fee should be automatically credited back to your account. The first log-in allows us to recognize the withdrawal fee charged. The second log-in triggers an automatic refund to credit the amount back to you. We can only credit back the withdrawal fee for other banks for now because we do not have direct visibility over how much they charge per withdrawal. If you still do not receive your refund, please contact our support team at support@komo.ph for assistance.




I forgot my debit card PIN


If you forgot your debit card PIN, please contact our support team by emailing support@komo.ph or calling (02) 8888-1777. After verifying your identity, they will be able to help you reset your PIN.




I lost my debit card


If you forgot your debit card PIN, please contact our support team by emailing support@komo.ph or calling (02) 8888-1777. After verifying your identity, they will be able to help you reset your PIN.




I was charged for an ATM withdrawal


Your card gives you unlimited free withdrawals through EastWest ATMs and up to 4 free withdrawals per month through other BancNet-affiliated ATMs. If you were charged for a withdrawal, first make sure that you have not exceeded your monthly free withdrawal limit for non-EastWest ATMs.
If you are still within your monthly free withdrawal limit, make sure to log in to the Komo app twice and the withdrawal fee should be automatically credited back to your account. The first log-in allows us to recognize the withdrawal fee charged. The second log-in triggers an automatic refund to credit the amount back to you. We can only credit back the withdrawal fee for other banks for now because we do not have direct visibility over how much they charge per withdrawal.
If you still do not receive your refund, please contact our support team at support@komo.ph for assistance.




I received a damaged or misprinted  debit card


If you'd like to report a damaged card or a card printed with incorrect details, please email us at support@komo.ph to request a replacement. Kindly include photos of the damaged or misprinted card and the packaging it came in, so we can properly investigate if the issue occurred during production or during delivery.





 

Didn’t find what you were looking for? Our customer support team can help you out!

 

Email: support@komo.ph        Phone: (02) 8888-1777