Metropolitan Bank & Trust Co. (Metrobank) has rolled out its integrated withdrawal and deposit machines (WDMs) to boost transaction efficiency and expand its “phygital” footprint in the country.

In a statement, Metrobank, said the new self-service terminals, which fuse two primary banking functions into a single 24/7 terminal, allow clients to deposit and withdraw cash at any hour, bypassing the need for traditional tellers or forms.

The machines accept cardless transactions via account number input, with cash deposits of ₱100, ₱500, or ₱1,000 bills processed in real-time. Withdrawals are capped at ₱20,000 per transaction. 
The bank emphasized the instantaneous crediting of deposits, a key selling point designed to reinforce security and trust in automated services.

The strategic deployment of the WDMs aligns with Metrobank’s stated goal of “Meaningful Banking” and its broader drive to elevate customer experience by leveraging digital tools.

The initiative mirrors a larger trend among Philippine lenders to migrate routine, non-advisory branch traffic to self-service channels, freeing up personnel for more complex advisory roles. This pivot is critical as the country’s retail payment volume accelerates its shift toward digital channels, a transformation actively backed by the Bangko Sentral ng Pilipinas (BSP).

WDMs have initially been installed in key branches across Metro Manila and surrounding areas, including Ayala Avenue, BF Homes Las Piñas, and P. Tuazon – Cubao, with the bank planning a rapid expansion to cover customers nationwide.

The move is viewed by analysts as necessary competitive action as major Philippine lenders and newly licensed digital banks continue to vie for market share in the country's rapidly digitizing economy.

Metrobank is the country’s second-largest universal bank by assets.