ATMs & Cash on Siargao

Info · General Luna, Siargao

Siargao is still overwhelmingly a cash island: most restaurants, homestays, surf instructors, tricycle drivers and tour operators do not take cards. Working ATMs are concentrated in General Luna (BDO machines at the bank branch plus one near Little Nap Inn, and a scattering of Euronet machines) and in Dapa town, and they regularly run out of cash on weekends and holidays.

Good to know: Withdraw a good buffer of pesos before flying in (Cebu or Manila airports), and top up early in the week. International cards pay ~₱250 per withdrawal at bank ATMs with limits of roughly ₱10,000-20,000 per transaction. At Euronet machines always decline the machine's own conversion rate (DCC) - it can cost you 10-15% - and prefer the BDO machines, which are considered more reliable and safer from skimming. Carry small bills; GCash is widely accepted as a cash alternative if you can set it up.
#essential#cash-only

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