She can use that ATM card for you to withdraw money. I still have my ATM bank which is the equivalent of debit card here in UK. You don't have to worry on nothing. You can withdraw money at least Php300 per day or just give your card to the cashier and you can withdraw up to Php 20,000.
I just don't know who told you that you can't have your own money on your gf's account. Just let your gf go to the bank with and let her withdraw. If she says she can't withdraw then there is dodgy going on.
What bank did you deposit your money in behalf of your gf?