Can I still use my locked money outside the app?

Written By Isabelle Lumibao (Administrator)

Updated at June 15th, 2026

Yes. Locked funds can still be used for transactions outside the Security Bank app.
 
These include ATM withdrawals, debit card purchases, over-the-counter branch transactions, and online purchases through merchants.
 
These transactions may reduce your balance even if your funds are locked in the app.