Terms and Conditions for Metrobank Cards in Digital Wallets

This Addendum applies to Metrobank Debit/ATM, Prepaid and Credit Cards (“Cards”) enrolled in any supported digital wallet.

This Addendum must be read together with the Terms and Conditions governing issuance and use of your Metrobank Debit/ATM, Prepaid, and Credit Cards found on Metrobank’s website https://www.metrobank.com.ph/articles/deposit-tc and https://www.metrobank.com.ph/articles/credit-card-terms-and-conditions.

Please read the following Addendum Terms and Conditions ("Terms") before enrolling your Card. Under these Terms, Metrobank refers to "us," "we," "our," or "Bank," while "you," "your," and "Customer" refers to you, as an individual or legal entity recognized under law, as the Card Member (“Card Member”) and your co-obligor or Supplementary Card Member(s) for credit cards, if any. You and your co-obligor are jointly and severally bound to faithfully comply with these Terms.

By enrolling your Card in any digital wallet service (“Digital Wallet” or “Wallet”), you authorize us, the payment network, and authorized service providers to tokenize your Debit/ATM, Credit and Prepaid Card and generate a digital token or similar credential for transaction processing, authentication, fraud prevention, and related services.

1. Definition of Terms

A.  “Card” refers to any Metrobank Debit, Prepaid, and Credit Card.

B. “Third Party” refers to any external entity, including but not limited to payment network operators, token service providers, digital wallet providers, or other service providers engaged by Metrobank in connection with the enrollment and use of the Card or its Token 

C. “Token” refers to a unique digital identifier issued by Metrobank and/or payment network which replaces the Card number (Primary Account Number or PAN) for securely facilitating transactions through Wallet providers, merchant platforms, or other third-party payment services authorized by Metrobank. 

D. “Primary Account Number” refers to the unique payment card number that identifies a cardholder’s account issued by a financial institution. It is the number found on a credit, debit, or prepaid card and is used to route and process payment transactions. 

E. “Tokenized Transaction” refers to any transaction initiated and effected using a Token instead of the physical Card. For all intents and purposes, a Tokenized Transaction shall be deemed equivalent to a transaction effected via your Card. 

F. “Wallet” or “Digital Wallet” refers to any third party device-based or application-based payment service (such as, but not limited to Google Pay, Apple Pay, Samsung Wallet) that stores a digitized version of your debit, prepaid, or credit card  for the purpose of enabling secure, tokenized card payments in-store, online, or in-app. These Digital Wallets do not store or hold funds; they simply provide an alternative way to use your card through a digital token, subject to the rules of Metrobank, the Wallet Provider, and the relevant Payment Network. 

2. Using Your Card in a Digital Wallet 

When you add your Card to a Digital Wallet, the Wallet creates a secure digital version of your card called a Token. This token is used to process your payments in place of your physical card number. 
Tokenized Transactions work the same as regular card transactions and are governed by your existing Card Terms and Conditions. 

3. Enrollment and Activation 

To use this service, you must enroll by adding your card to a Wallet. We may ask you to verify your identity through biometrics, a one‑time password, or in‑app validation. We may decline, suspend, or remove your Token without prior notice if we detect any unusual activity, incomplete information, or risk‑related issues. This is in line with security requirements set by card networks and digital wallet providers. 

If you receive any unrecognized notification for token enrollment or activation, report the issue immediately to Metrobank through our official Customer Service hotline numbers.

For Debit and Prepaid Cards: 

• Customer Service: (02) 88-700-700 
• Domestic Toll-Free Number: 1-800-1888-5775 
• Customer Care Email: customercare@metrobank.com.ph 

For Credit Cards: 

• Customer Service Hotline: (02) 88-700-700
• Domestic Toll-Free: 1-800-1888-5775 (using PLDT line)
• International Toll-Free: (IAC) +800-8700-0707
• Email: customerservice@metrobankcard.com 

Premium Cards 

• Premium Cards Hotline: (02) 88-700-707
• Domestic Toll-Free: 1-800-10-8700-707 (using PLDT line)
• International Toll-Free: (IAC) +800-8700-0707
• Email: customerservice@metrobankcard.com 

PSBank Credit Mastercard 

• Customer Service: (02) 88-700-772 
• Domestic Toll-Free: 1-800-10-8700-772 (using PLDT line) 
• Email: psbank@metrobankcard.com 
  
  

Should you wish to opt out of this service, call our official Customer Service hotline numbers above.

4. Payments and Security 

Since adding your card to your Wallet requires your authentication prior to enrollment, you agree that transactions done through the Wallet are authorized by you. There may be transactions that will require your device’s security features (such as fingerprints, facial recognition, or passcode). 

Metrobank may require additional verification measures in accordance with our fraud‑monitoring systems and the updated multi‑factor authentication standards mandated by the Bangko Sentral ng Pilipinas (BSP) and other regulatory authorities. 

5. Availability and Limits 

Wallet payments are only available where the merchant or payment terminal supports them.  
Your Wallet transactions follow the same transaction limits as your card. It may also be subject to certain transaction limits imposed by regulators (i.e., contactless limits as prescribed by regulators), retailers, or payment terminals from time to time. Wallets cannot be used for cash withdrawal at ATMs or over the counter in Metrobank branches.  

The Card Member remains responsible for carrying and presenting the physical Card in cases where the merchant does not accept or is unable to process Wallet payments. Metrobank shall not be liable for any transaction that cannot be completed due to merchant refusal, failure, or inability to accept digital wallet payments, or where a token is not honored.  

All Wallet Transactions will show in your CASA Statement of Account (for Metrobank Debit/Prepaid) or Credit Card Statement of Account. You will not receive a separate statement for your Wallet transactions. 

6. Fees 

Metrobank does not charge additional fees for using Wallets. Any standard Card and service fees that apply when you use your Card still apply when you use your Wallet.  

7. Lost or Stolen Device 

If your phone or connected device is lost, stolen, or compromised, you must promptly suspend or remove your card from the Wallet using your device’s or Wallet provider’s available security features (such as, but not limited to, remote lock, Lost Mode, or remote wipe) and notify Metrobank immediately via our official customer service hotline numbers for the blocking of your card.  

All transactions made before you report the issue remain valid unless we determine they were caused solely by our error or system failure.  

8. Disputes and Unauthorized Transactions 

Disputes for Wallet transactions follow the same process and timelines as your physical card. Upon receipt of a complete dispute request, the bank will acknowledge your report within two (2) banking days and conduct an investigation in accordance with card network rules. Resolution timelines may take 45-90 days or longer, depending on merchant response time and card network arbitration processes. The bank will keep you posted for any progress update on your disputed transaction(s). As dispute processing is timebound, please ensure that all requirements as communicated by the bank will be submitted within the time period specified in the bank's communication.  

9. Data Processing and Sharing 

Your data is in good hands. To facilitate Wallet services, we act as a Personal Information Controller (PIC), processing your data with utmost confidentiality and under strict mandates of transparency, legitimate purpose, and proportionality as required by the Data Privacy Act of 2012. We limit the processing of sensitive payment credentials to the minimum necessary for identity verification, the generation for non-payment tokens compliant with PCI DSS standards, and the mitigation of fraudulent activity. This information is shared exclusively with authorized Token Service Providers (TSPs), card networks, and payment processors under formal Data Processing Agreement (DPAs) (collectively, Third-Party Processors) which mandate equivalent technical safeguards. Disclosure to regulators or law enforcement occurs only as required by law or for formal dispute resolution, ensuring your rights as data subjects are upheld throughout the tokenization lifecycle. Your data will only be processed and retained as may be legally permissible. Metrobank shall be held free and harmless from harmless from any liability or damage arising from the acts or negligence of Third-Party Processors. 

10. Card Replacement and Token Updates 

If your card is lost, stolen, damaged, expired, or replaced for security reasons, we will issue you a replacement card. Your new card may have a different card number, a new expiration date, and a new security code. 

Your replacement card will still be covered by the same terms and conditions as your original card. Any recurring or pre-authorized transactions may continue to be processed on your replacement Card where permitted by law and applicable network rules.   
We may suspend or delete without prior notice Wallet tokens if your card is blocked, cancelled, or shows unusual activity. 

11. Prohibited Activities 

You must not: 

• Add your card to a device you do not control 
• Use a modified, “rooted,” or “jailbroken” device 
• Disable security features on your device 
• Share your phone passcode, Wallet authentication, or one‑time passwords 

Use your card in transactions prohibited by applicable laws, Payment Networks or Wallet Providers, such as but not limited to, illegal goods/services, controlled substances, illegal gambling and money laundering. 

12. Changes to These Terms 

We may update these Wallet Terms from time to time. We will notify you at least sixty (60) days before major changes take effect, unless a shorter period is required by law or regulator.  

13. Contact and Support 

For concerns about Wallet transactions, lost devices, disputes or data privacy, contact Metrobank through our official channels. 

For Debit and Prepaid Cards: 

• Customer Service: (02) 88-700-700 
• Domestic Toll-Free Number: 1-800-1888-5775 (using PLDT line) 
• Customer Care Email: customercare@metrobank.com.ph 

For Credit Cards: 

• Customer Service Hotline: (02) 88-700-700 
• Domestic Toll-Free: 1-800-1888-5775 (using PLDT line) 
• International Toll-Free: (IAC) +800-8700-0707 
• Email: customerservice@metrobankcard.com  

Premium Cards 

• Premium Cards Hotline: (02) 88-700-707 
• Domestic Toll-Free: 1-800-10-8700-707 (using PLDT line) 
• International Toll-Free: (IAC) +800-8700-0707 
• Email: customerservice@metrobankcard.com 

PSBank Credit Mastercard 

• Customer Service: (02) 88-700-772 
• Domestic Toll-Free: 1-800-10-8700-772 (using PLDT line) 
• Email: psbank@metrobankcard.com 

14. Effectivity  

The foregoing Addendum shall take effect within 60 days from publication or announcement by the Bank or on July 20, 2026 for existing cardholders and on May 21, 2026 for customers who will be applying for any Metrobank Card on or after May 21, 2026.