The SAL Pay Debit Mastercard is given to you by your HR when your SAL Pay Personal Account is created. This is the primary way you can make withdrawals from your SAL Pay Personal Account. It also lets you shop securely from partner establishments that accept MasterCard as a mode of payment.


ATM Withdrawals

To make an ATM Withdrawal within the Philippines, go to any Bancnet or Megalink ATM, insert your card and follow the instructions on the screen. When choosing the account type, select Savings Account.

You can also make an ATM Withdrawal outside the Philippines via an ATM that accepts Mastercard.

The fees associated with ATM Withdrawals are as follows:


Within the Philippines

  • Balance inquiry via local ATM - Php3
  • Balance inquiry via POS Terminal - Php3
  • Local ATM withdrawal (Bancnet or Megalink) - Free/Php12

Outside the Philippines

  • Balance inquiry via an ATM that accepts Mastercard - Php50
  • International ATM withdrawal via an ATM that accepts Mastercard - Php150


Note: Withdrawals from ATMs within the Philippines will be charged Php12 after the free withdrawals for the month. Consult your company admin for the number of your monthly free withdrawals.


Withdrawal limits are as follows:

Maximum Php50000 per day
Maximum 5 withdrawals via ATM per day


Point of Sale Transactions

You can use your SAL Pay Debit Mastercard to make purchases in retail stores anywhere in the world.

To make a Point of Sale purchase, present your SAL Pay Debit Mastercard to the merchant. The merchant will swipe your card. Sign the transaction slip.

Point of Sale transactions and balance inquiries are free of any service charges.


Online Purchases

You can use your SAL Pay Debit Mastercard to make purchases online.

To make a purchase online, select Mastercard as your payment option and fill out the necessary details. If the site requests a Bank Issuer, select G-Xchange Inc.

Online transactions are free of any service charges.


Note: Not all online merchants will accept your SAL Pay Mastercard Debit card.

Note: The maximum aggregate amount that can be withdrawn from your account is 100000 PHP daily and 500000 PHP monthly.  This includes bank transfers, ATM withdrawals, load purchases, online purchases, POS transactions and fees.