I remember my first trip to the Philippines, my NatWest debit card clammed up on me for the whole duration of my stay, unable to access any money (luckily I had a credit card). I remember phoning NatWest asking them what was going on, they blamed the banking system in Philippines. You know what, the banks in Philippines blamed NatWest.Moral of the story, take more than 1 source of money with you when you go to Philippines.