Upon successful account opening, you will be provided with a digital debit card. However, if you prefer to have a physical debit card, you may request one by tapping the "Order Physical Card" button in the Komo app. Please note that a one-time fee of Php 200 will be charged to your account for the issuance of the card.

A Komo Physical Debit Card is a card that can be used to withdraw cash, pay for purchases, and transfer funds to other accounts. It can be used in any BancNet-affiliated ATM nationwide, and is accepted in most establishments that honor Visa. 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.

Once you receive your Visa debit card, you can activate it by following the steps below:

1. Log in to your Komo account

2. Go to "Cards" tab and click on "Activate"

3. Enter the last four digits of your debit card

4. Set your pin and start using your physical debit card!

Card delivery will take at least one to two weeks after account approval. However, for those outside of coverage area of our courier, this may take longer. You will receive a notification through an SMS and app notification once your card has been picked up by our courier.

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.

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.

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.

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.

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 Request/ Replacement - ₱200

• Card Redelivery - ₱200

• International Cash Withdrawal - fees are dependent on the bank providing the ATM. Please note that foreign exchange rates will also be applied.

Below are the limits associated with using your Komo debit card:

• ATM Balance Inquiry - No limit

• ATM Cash Withdrawal for EastWest ATMs nationwide- ₱20,000 per transaction; at ₱50,000 per day

• ATM Cash Withdrawal for non-EastWest ATMs (local & abroad) - ₱10,000 per transaction; at ₱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

• International Cash Withdrawal - limits are dependent on the bank providing the ATM.

Yes! The Department of Transportation (DOTr) now supports contactless Tap & Go payments on the MRT-3. Just tap your Komo Visa debit card at the turnstile to pay for your ride. No need for a Beep card. You'll be charged the regular single journey fare with no extra fees.

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.

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.

If you have not received your card, lock the card by going logging in to Komo and go to "Cards" and and contact us immediately at +(632)88881777.