Is the ATM fee for residents too? I ask because I've been to Phillipines as a tourist and they charge to use the ATM each time and have a withdrawal limit like 30/50k PHP, so to withdraw large amounts a tourist must pay the fee multiple times. However, there is no fee for those with local bank cards.

Having said that, credit cards (and sometimes debit cards too) do usually charge a transaction fee, sometimes 5% or more. They use payment platforms such as GCash which is cheaper (and a centralised service). Bitcoin is becoming more widely accepted there as a means of payment.