ako is Local Funds Transfer and I believe this is the best withdrawal for me, A charge of $1.99 per transactions and P50 charge for my UnionBank! It's better than using Payoneer Debit Mastercard because they cost a lot and I tell you that $100 I will get only a conversion of P3000. Payoneer Master Card is exclusively use for BPI withdrawal transactions and BPI now only allows depositors to withdraw a minimum of P500. So this won't work for me at all.