It does not apply to CASH CARDS.
But as I said, an ATM with the 'Visa' symbol must be used otherwise there is a charge by the bank in Philippines. I have confirmed this with BPI and Metrobank.
There is a web site which shows where visa ATMs are worldwide. If you show the country and the town/city it will show where the VISA ATMs are:- http://visa.via.infonow.net/locator/global/
I understand Nationwide do charge for Debit Cards etc. although not in Europe. I use my debit card in Spain, no charge.
PS This has been covered quite fully before. I do not know how to make a link to the thread but a search on 'Currency to take to Phils' will find it.