Location: Manila, Philippines Currency: PHP ₱ Philippine Peso
ATMs in Manila Ninoy Aquino Airport (MNL) Locations & Hours
Here’s a complete list of ATMs located inside Manila Ninoy Aquino Airport (MNL), plus additional ATMs and banks near Manila Ninoy Aquino Airport (MNL) for convenient cash withdrawals before or after your flight.
Landbank ATM — NAIA Terminal 1 (IPT Building)
- Location: IPT Building (airport complex), NAIA Terminal 1 area
- Hours: Not listed (check on-site)
Land Bank of the Philippines ATM — Terminal 1 Arrival Lobby
- Location: Terminal 1, Arrival Lobby (landside/public area)
- Hours: 24 hours
Philippine National Bank (PNB) ATM — Terminal 1 Arrival Lobby
- Location: Terminal 1, Arrival Lobby (landside/public area)
- Hours: 24 hours
Philippine National Bank (PNB) ATM — Terminal 1 OFW Lounge (Departure Lobby)
- Location: Terminal 1, Departure Lobby / OFW Lounge area
- Hours: 24 hours
BDO — NAIA Terminal 3 Branch (Stall No. 13)
- Location: Terminal 3, Arrival Lobby (Stall No. 13)
- Hours: 08:00–22:00
BPI ATM — NAIA Terminal 3
- Location: Terminal 3, Ground Floor (G/F), landside area
- Hours: 24 hours
PNB ATM — NAIA Terminal 3
- Location: Terminal 3, landside/public area (near the Arrivals side)
- Hours: 24 hours
Bank of Commerce ATM — Terminal 3 Level 1 Arrival Hall (Landside)
- Location: Terminal 3, Level 1 Arrival Hall (landside/public zone, outside Customs barrier)
- Hours: Not listed (check on-site)
BDO ATM — Terminal 3 Level 1 Arrival Hall (Landside)
- Location: Terminal 3, Level 1 Arrival Hall (landside/public zone)
- Hours: Not listed (check on-site)
BPI ATM — Terminal 3 Level 1 Arrival Hall (Landside)
- Location: Terminal 3, Level 1 Arrival Hall (landside/public zone)
- Hours: Not listed (check on-site)
Landbank ATM — Terminal 3 Level 1 Arrival Hall (Landside)
- Location: Terminal 3, Level 1 Arrival Hall (landside/public zone)
- Hours: Not listed (check on-site)
Metrobank ATM — Terminal 3 Level 1 Arrival Hall (Landside)
- Location: Terminal 3, Level 1 Arrival Hall (landside/public zone)
- Hours: Not listed (check on-site)
PBB ATM — Terminal 3 Level 1 Arrival Hall (Landside)
- Location: Terminal 3, Level 1 Arrival Hall (landside/public zone)
- Hours: Not listed (check on-site)
PhilTrust Bank ATM — Terminal 3 Level 1 Arrival Hall (Landside)
- Location: Terminal 3, Level 1 Arrival Hall (landside/public zone)
- Hours: Not listed (check on-site)
American Express ATM — NAIA Road (Airport Complex)
- Location: NAIA Road (airport complex road area near the terminals)
- Hours: 24 hours
BPI ATM — NAIA Passenger Terminal 4 (Manila Domestic Airport)
- Location: G/F Manila Domestic Airport (Terminal 4 area), Domestic Road
- Hours: Not listed (check on-site)
BDO Newport City Branch (Near Terminal 3 / Newport City)
- Location: 1 Newport Blvd, Pasay City (Newport City / across from Terminal 3 area)
- Hours: Mon–Fri 08:30–17:30
Metrobank NAIA Branch (Near Airport Cargo/Airfreight Area)
- Location: Columbia Airfreight Complex, Ninoy Aquino Ave, Parañaque
- Hours: Mon–Fri 09:00–16:30
Metrobank — Taft Avenue (Pasay, Near NAIA)
- Location: Taft Ave S, Pasay
- Hours: Mon–Fri 09:00–16:00
PNB — Pasay Baclaran (Near NAIA)
- Location: 2976 Taft Ave Ext, Pasay City
- Hours: Mon–Fri 09:00–18:00
PNB Financial Center (Macapagal) (Near NAIA / Bay Area)
- Location: Diosdado Macapagal Boulevard, Pasay
- Hours: Mon–Fri 08:00–18:00
BDO — Parañaque Pascor Drive (Near NAIA)
- Location: Ninoy Aquino Ave S, Pasay/Parañaque area
- Hours: Mon–Fri 08:00–17:00
BDO — Better Living (Parañaque, Near NAIA)
- Location: Doña Soledad Ave corner France, Parañaque
- Hours: Mon–Sat 08:30–17:30
Manila Ninoy Aquino Airport (MNL) ATMs Walkthrough & Map
Follow the step-by-step walkthrough below to find ATMs when arriving at Manila Ninoy Aquino Airport (MNL). For terminal maps and official airport info, visit Manila Ninoy Aquino Airport (MNL) map/homepage.
International Arrivals — Terminal 3 (Most common for many international flights)
- After landing, follow airport signs for Immigration / Arrival.
- Complete Immigration and proceed to Baggage Claim.
- After collecting luggage, follow signs to Customs and exit to the public Arrivals hall (landside).
- Once you’re in the public Arrivals area, slow down and scan for signs reading “ATM”, “Bank”, or for bank logos (BDO, BPI, PNB, etc.).
- For the widest choice of machines, stay on Level 1 (Arrival Hall) where multiple bank ATMs are typically grouped in the landside area.
- If you specifically want a 24/7 machine, look for commonly-used ATMs like BPI ATM (Terminal 3) or PNB ATM (Terminal 3) in the public area.
- If you need a bank counter/branch (e.g., help with a card issue or a large cash transaction), look for bank service counters near the Arrivals lobby (hours are usually limited compared to ATMs).
- Withdraw the cash you need before you head outside to taxis, ride-hailing pick-up, or inter-terminal transport.
International Arrivals — Terminal 1 (Many legacy/long-haul international airlines)
- Follow signs to Immigration, then proceed to Baggage Claim.
- Clear Customs and exit into the public Arrivals lobby (landside).
- Look around the Arrivals lobby for ATM signage and bank logos. Terminal 1 commonly has ATMs in the landside lobby area.
- If you see an OFW Lounge or are heading toward the Departure Lobby for any reason, note that additional ATMs may be located near that zone.
- If you can’t find a working ATM in Terminal 1 (e.g., out of cash or a long queue), consider moving to Terminal 3, which is known for having many ATMs clustered in the Arrivals landside area.
- To switch terminals, use the official inter-terminal shuttle (when operating) or a regulated taxi/ride-hailing option. Allow extra time because road traffic around NAIA can be slow.
Domestic Arrivals — Terminal 2
- After landing, follow signs for Arrivals and Baggage Claim.
- Exit baggage claim into the public Arrivals area (landside).
- Scan for ATM signage in the Arrivals lobby. If you don’t see one quickly, ask an airport staff member, or look for clusters near convenience stores/forex counters.
- If machines are crowded or unavailable, the most reliable “many-ATM” backup is usually Terminal 3 Arrivals (Level 1 landside).
- Use inter-terminal transport to reach Terminal 3, then head to Level 1 Arrival Hall and look for bank logos and “ATM” signs.
Domestic Arrivals — Terminal 4 (Manila Domestic Airport)
- Follow the flow from your gate toward Arrivals and any Baggage Claim area.
- Once you’re in the public landside area, look for ATM signage or the most visible bank logo in the terminal.
- If you can’t find a working ATM in Terminal 4 (or the queue is too long), use a taxi/ride-hailing or shuttle option to reach Terminal 3, which typically offers more ATM choices in the public Arrival Hall.
Quick MNL Landmarks That Mean You’re Close
- Terminal 3: If you’re on Level 1 Arrival Hall (landside) outside the Customs barrier, you’re in the best zone to find multiple bank ATMs grouped together.
- Terminal 1: If you’re in the public Arrivals lobby (after Customs), you’re in the right place to look for the main ATM area.
- Terminal 2: If you’ve exited baggage claim into the public Arrivals hall, scan the edges/walls for ATM clusters and bank logos.
- Across terminals: If you can already see the outside pick-up lanes, you may have walked past the easiest ATM spot—turn back inside and look for ATM signage.
- Newport City / Resorts World area: If you’re heading toward the hotels/casino/mall area across from Terminal 3, you’ll often find additional bank branches and ATMs nearby.
Use the map below to find the nearest ATMs and banks near Manila Ninoy Aquino Airport (MNL), especially if you can’t use the ATMs inside the airport or prefer to withdraw cash outside the airport.
ATM Withdrawal Tips & Advice for Manila Ninoy Aquino Airport (MNL)
- Terminal 3 is the easiest “ATM hub” backup. If you land in another terminal and find empty machines or long lines, Terminal 3’s Level 1 Arrivals (landside) is commonly the most ATM-dense public area, with multiple banks represented.
- Plan for NAIA’s separate-terminal layout. NAIA’s terminals are separate buildings; moving between them can involve road traffic. If you’ll need cash immediately (taxi, SIM, food), try withdrawing before you exit the terminal curbside.
- Expect a local ATM fee for many foreign cards. Many Philippine ATMs commonly charge a local withdrawal fee (often in the ~PHP 250–300 range) on top of any fees your home bank might add. The fee usually appears on-screen before you confirm.
- Decline “DCC” if offered. Some ATMs may offer to bill you in your home currency (Dynamic Currency Conversion). Choosing PHP often avoids unfavorable exchange markups compared with being charged in your home currency.
- Use airport ATMs for convenience, but watch limits. At NAIA, you may see lower per-transaction limits at some machines (commonly smaller single-withdrawal caps). If you need more cash, you might have to do multiple withdrawals (and potentially pay multiple fees).
- Withdraw enough for your first 24 hours. Manila cash needs add up quickly (taxis, tolls, tips, small eateries). Many travelers aim for enough PHP for transport + meals + emergency buffer right after arrival.
- Separate branch hours vs. ATM hours. Bank branches/counters inside or near NAIA often keep limited daytime hours, while ATMs are more likely to be available late-night/early-morning. If you land late, prioritize ATMs rather than counters.
- Carry small bills after withdrawing. Airport-area transport and small vendors often prefer smaller notes. If your ATM dispenses large bills, consider making a small purchase at a convenience store to break them (when available).
- If a machine fails, switch banks instead of retrying repeatedly. In busy NAIA periods, a single ATM can run out of cash or go offline. It’s usually faster to move to a different bank’s ATM cluster than to keep retrying the same machine.
- Newport City is a strong outside-the-airport fallback. If airport ATMs are down, the Newport City/Resorts World area near Terminal 3 often has additional bank branches/ATMs and longer operating windows than standalone off-airport spots.
FAQs – Manila Ninoy Aquino Airport (MNL) ATMs
Are there ATMs inside Manila Ninoy Aquino Airport (MNL)?
Yes. ATMs are available within NAIA’s terminal areas. Terminal 3 (especially the landside Arrivals area) is commonly the easiest place to find multiple ATMs grouped together.
Which NAIA terminal is best for finding multiple ATMs quickly?
Terminal 3 is typically the most convenient “one-stop” terminal for ATM variety, with multiple banks represented in the landside Arrivals zone.
Where should I look first after arriving in Terminal 3?
After Customs, enter the public Arrivals hall (landside) and look around Level 1 for “ATM” signage and bank logos. This is the most common cluster area.
Do NAIA ATMs charge a fee?
Often, yes—many Philippine ATMs commonly charge a local withdrawal fee (frequently around PHP 250–300) for foreign cards, and your home bank may add additional charges.
Can I withdraw Philippine pesos (PHP) at NAIA?
Yes. NAIA ATMs generally dispense Philippine pesos (PHP). When prompted by the ATM about currency conversion, choosing to be charged in PHP is often the safer option.
What if the ATM says “transaction declined” or doesn’t dispense cash?
Try a different ATM (ideally a different bank), because individual machines can be out of cash, temporarily offline, or have stricter withdrawal rules. If multiple ATMs fail, contact your bank and check if international withdrawals are enabled.
Are NAIA ATMs open 24 hours?
Some ATMs at NAIA operate 24/7, but this can vary by machine and by bank. If you arrive late at night, prioritize ATMs (not bank counters), since counters often have limited hours.
Is it better to withdraw inside the airport or outside near NAIA?
Inside-airport ATMs are best for immediate needs (transport, food, essentials). If lines are long or machines are unavailable, nearby areas like Newport City (near Terminal 3) often provide additional ATM options.
Can I find ATMs in Terminal 1 for international arrivals?
Yes. Look in the public Arrivals lobby (landside) after Customs for the terminal’s main ATM area, and follow any “ATM” signage.
If I arrive in Terminal 2 or Terminal 4 and can’t find a working ATM, what’s the fastest backup?
Head to Terminal 3 Arrivals (Level 1 landside), which commonly has more ATM choices. Use official inter-terminal transport or a regulated taxi/ride-hailing option and allow extra time for NAIA traffic.
Manila Airport Related Services
- BOOK an AIRPORT HOTEL in Manila or SLEEPING PODS
- RENT a CAR in Manila Airport or BOOK a PRIVATE TRANSFER
- STORE your LUGGAGE in Manila Airport or NEARBY
- BUY a LOCAL eSIM for Manila, Philippines or a GLOBAL eSIM