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@  doctor who : (20 August 2017 - 08:07 AM)

YeHaaaa, Parking spots are going fast for $40,, To See What?, Darkness. I Can see it for free just by closing My Eyes

@  bill44ca : (20 August 2017 - 08:05 AM)

Pools in all of the kandi buildings are shaded most of the day and very cold. Take a trike at night there are drug types along the way

@  Hellboy : (20 August 2017 - 06:17 AM)

I think Kandi is way better than staying in a hotel unless you need to be right on WS

@  Budhah : (20 August 2017 - 06:04 AM)

Eclipse here at the peak time in 36 hours... YeHaaaa, Parking spots are going fast $40

@  bramrebello : (20 August 2017 - 05:43 AM)

I have reserved 10days stay at Grosvenor Square, Angeles City. Any views whether it is better than staying in Hotels?

@  bramrebello : (20 August 2017 - 05:38 AM)

Hi Guys!

@  kantutero : (20 August 2017 - 12:03 AM)

Budhah: they'd be awfully old if they had been alive during the Moro wars and not even Samm is THAT old LOl

@  Budhah : (19 August 2017 - 09:33 PM)

Sorry Kantutero,, But since it was suppose to have happened in the Philippines, I thought that someone living there might actually know more, It was reported back in 1920s by the Chicago Tribune, and floating around in different venues since. With the way the Tribune has been of late, I would trust the old stories more than what they "report" today. I had an uncle fight in the PI And at the battle of Bataan and some of the stories brought back are pretty chilling. Being cruel on both sides was not unusual. BBC seems to have a few tidbits that are very interesting to us, They sure gave MURDOCh a pain when he was caught misbehaving.

@  kantutero : (19 August 2017 - 07:31 PM)

: (20 August 2017 - 03:30 AM) USS Indianopolis Just Located and photographed 18000 below the surface east of Samar. A little deep for wreck diving, but among the most important shipwrecks in Philippine waters. https://news.usni.or...-wreckage-found

@  kantutero : (19 August 2017 - 06:47 PM)

The story about Black Jack Pershing is discredited by all historians. There was a Colonel who buried dead Moros with pigs but the legend about Shooting 49 with bullets dipped in pig blood and telling the 50th to spread the word is not true. http://www.chicagotr...0818-story.html

@  Evel Knievel : (19 August 2017 - 06:26 PM)

99% of the media in the US is so bias the can't even report it with a straight face!

@  kantutero : (19 August 2017 - 06:03 PM)

The Brits are still bitter about incidents from 70 years ago like the King David Hotel Bombing in Jerusalem which then housed the HQ of the British authorities.

@  kantutero : (19 August 2017 - 06:01 PM)

Buddah: I'll refrain from responding to you parrotting the demagogue's blaming the media for all his scandals and confine my respobse to the BBC. If you think it is balanced, read any article about the Israeli Palestinian dispute and you'll quickly realize BBC is just as biased against Israel as Al Manar (Hizbullah's propaganda arm)

@  Budhah : (19 August 2017 - 05:58 PM)

Since it was suppose to have happened in the PI, does anyone know if General Pershing actually used bullets dipped in Pigs Blood to do away with some 50 Religious fanatic trouble makers?? Made the new here last couple of days

@  Budhah : (19 August 2017 - 05:55 PM)

At least BBC has the news, Not too sure what we have in the USA with the MSM< weather it is real news or made up stuff..

@  grahamuk : (19 August 2017 - 02:11 PM)

I do commend the Spanish cop who managed to blow away 4 out of the 5 terrorists yesterday (?). Give that man a fkin medal.

@  doctor who : (19 August 2017 - 02:11 PM)

plenty of somalia refs in aust but i cant get into that ,, ill stop the politics here ,, pity though

@  grahamuk : (19 August 2017 - 02:09 PM)

Are you talking about America or Australia ? I'll just continue to watch the BBC news... presented by a Somalian refugee now, rather than a Pakistani one.

@  doctor who : (19 August 2017 - 02:07 PM)

think of your cousons across the pond what are they going through,,

@  grahamuk : (19 August 2017 - 02:06 PM)

Britax doesn't feel like home anymore anyway. :(



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Philippines Atm Bank Charges


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34 replies to this topic

#1 OFFLINE   atcruz

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Posted 27 August 2013 - 10:22 AM

I could not remember if they charge for ATM use last time I went.

In Thailand they charged 150 baht every time. 

Does anyone know if all the banks charge a fee or are there any that don't in Phi?

In the UK 90% of the ATMs are free.


Edited by atcruz, 27 August 2013 - 10:22 AM.



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#2 OFFLINE   ParadiseTours

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Posted 27 August 2013 - 10:33 AM

If you are using a foreign card it usually costs 250 peso per transaction.

#3 OFFLINE   zmxncbv

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Posted 27 August 2013 - 10:53 AM

My HSBC premier card no charge at any ATM I think the Capital1 ATM card is similar up to a certain dollar amount.

#4 OFFLINE   ParadiseTours

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Posted 27 August 2013 - 10:56 AM

I said usually because that was my experience but yeah I've also heard of cards without charges

#5 OFFLINE   bobbybeegood030959

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Posted 27 August 2013 - 12:03 PM

My HSBC premier card no charge at any ATM I think the Capital1 ATM card is similar up to a certain dollar amount.

Capitol1 charges 10$ usd per transaction no matter what amount.  I find I get a better rate with my Capitol 1 card plus the 10$ service charge than even sending my self money via Western Union or Xoom.



#6 OFFLINE   zmxncbv

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Posted 27 August 2013 - 12:16 PM

Last information I read from Capital1 was they have not charges but if an out of network bank has a fee it will rebate up to $25usd per month in charged fees back to your account.

#7 OFFLINE   Kimao

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Posted 27 August 2013 - 12:30 PM

I could not remember if they charge for ATM use last time I went.
In Thailand they charged 150 baht every time.
Does anyone know if all the banks charge a fee or are there any that don't in Phi?
In the UK 90% of the ATMs are free.


HSBC online free checking also gives an ATM with no service charges.
Even in Thailand you can use it at Aeon bank to avoid the 150 baht charge.

#8 OFFLINE   Kadachiman

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Posted 27 August 2013 - 12:38 PM

I use an Australian card.

Every ATM deduction (normally max of 10,000 pesos at a time) cost 200 pesos for the Phils ATM plus my home bank charges $4.00 per transaction.

I have looked at other options....e.g. transfer money to an "international debit card" all more expensive....so I just suck it up as a cost of living here.



#9 OFFLINE   ParadiseTours

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Posted 27 August 2013 - 12:42 PM

I use an Australian card.

Every ATM deduction (normally max of 10,000 pesos at a time) cost 200 pesos for the Phils ATM plus my home bank charges $4.00 per transaction.

I have looked at other options....e.g. transfer money to an "international debit card" all more expensive....so I just suck it up as a cost of living here.

 

Do you actually 'live' here? If so why not open a local bank account and transfer the money internationally to avoid charges? I appreciate you'll pay shitty bank exchange rates but these won't be as bad as the obligatory charges levied by the banks


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#10 OFFLINE   Kadachiman

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Posted 27 August 2013 - 12:51 PM

Yes I live here, but only 2 months so far...so really letting the dust settle before I start changing things like finances.



#11 OFFLINE   ParadiseTours

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Posted 27 August 2013 - 12:54 PM

You don't need to change anything. Just open yourself a PI bank account as a start. I use metrobank

#12 OFFLINE   youngwillie

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Posted 27 August 2013 - 12:55 PM

I think they all charge. Some of the banks (BDO could be one) will charge you and limit the amount you can withdraw in a single transaction, so if you want to take 10,000 PHP it will cost a minimum of 750 PHP to do it. The HSBC machines don't charge and I don't think the Citibank ones do either. The HSBC will give 20,000 as a single transaction. If you are in the UK, (you mention the cost of ATMs here) try to get yourself one of those prepaid currency cards before you go and "load" it before you go. I have one from Fairfx and another from Caxton. I set up both through the Money Saving Expert website and the set-up fee was waived when I did it through there. I get charged about £4 to withdraw about £200 on the Fairfx. The Caxton one is a bit more. It works out a lot better than using the RBS account who charge about £11 for withdrawing the same amount, i.e. £200. Hope this helps.



#13 OFFLINE   zmxncbv

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Posted 27 August 2013 - 12:56 PM

Do you need a ACR card to open your account?


Edited by MrHammer3000, 27 August 2013 - 02:12 PM.


#14 OFFLINE   youngwillie

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Posted 27 August 2013 - 12:57 PM

Didn't mean to write that in bold. Sorry.



#15 OFFLINE   ParadiseTours

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Posted 27 August 2013 - 12:58 PM

I think they all charge. Some of the banks (BDO could be one) will charge you and limit the amount you can withdraw in a single transaction, so if you want to take 10,000 PHP it will cost a minimum of 750 PHP to do it. The HSBC machines don't charge and I don't think the Citibank ones do either. The HSBC will give 20,000 as a single transaction. If you are in the UK, (you mention the cost of ATMs here) try to get yourself one of those prepaid currency cards before you go and "load" it before you go. I have one from Fairfx and another from Caxton. I set up both through the Money Saving Expert website and the set-up fee was waived when I did it through there. I get charged about £4 to withdraw about £200 on the Fairfx. The Caxton one is a bit more. It works out a lot better than using the RBS account who charge about £11 for withdrawing the same amount, i.e. £200. Hope this helps.


You can get 10k per transaction at bdo with a fee of 250 but they'll only let you get 30k a day so yes 750 in charges

#16 OFFLINE   Shanghai88

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Posted 27 August 2013 - 12:59 PM

I use Ozforex for money transfer....best rates with very very small commission...and i live here



#17 OFFLINE   Tukaram

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Posted 27 August 2013 - 02:38 PM

I can't remember... BDO charges me p200 or p250 but USAA refunds it so I don't care.



#18 ONLINE   teedeeboy

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Posted 27 August 2013 - 09:56 PM

I could not remember if they charge for ATM use last time I went.

In Thailand they charged 150 baht every time. 

Does anyone know if all the banks charge a fee or are there any that don't in Phi?

In the UK 90% of the ATMs are free.

From the UK you can get a Norwich & Peterborough debit card which has a good exchange rate and no ATM fees, compared to around 2.75% plus £1 for a High Street bank's debit card.



#19 OFFLINE   TheCatFish

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Posted 27 August 2013 - 10:11 PM

Capitol1 charges 10$ usd per transaction no matter what amount.  I find I get a better rate with my Capitol 1 card plus the 10$ service charge than even sending my self money via Western Union or Xoom.

So you have opened a WU account.  You login and setup a payment to the local WU office, charge it to your bank account and pick it up a few hours later?  You wait for a confirmation code before going to the WU office?  Is the WU charge like 5 - 8 bucks US?

 

My ex sends money to her folks, she said it costs less to send it to them in the Philippines than to send to her kids in the states.



#20 OFFLINE   JerryK52

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Posted 27 August 2013 - 10:46 PM

Yes I live here, but only 2 months so far...so really letting the dust settle before I start changing things like finances.

As others have commented, not required to change up your finances all that much.  Various ways of working this out and best for you to think out what your requirements are so you can implement a process which works best for you.  Think about safety and convenience as your building blocks.

 

Safety:

-  Keep your money and direct deposits (pensions/income) in your home country bank and set up a process where you can get money as you need it.

-  Don't keep large amount of cash in your pocket or at your home in the PI.

-  Keep an emergency fund amount in your PI bank account so it is available when needed (aka bugout fund).

 

Convenience:

-  Check with your bank in your home country to see which banks in the Philippines are set up within their financial system to electronically transfer funds and any associated fees.

-  Select a PI bank that is on your home bank's list, that has a banking office location near your PI home.  Suggest one of the nationwide banks so you will have access all across the PI.

-  Set up a Savings/ATM account in PI and then set up a bank to bank transfer account.  Check the fine print on the account type and ensure you understand minimum balance and fee charges.  Easy to set one up such that if you maintain a minimum balance there are no account fees or ATM use fees as long as you stayed within the banking network.  You can also set up linked accounts where you can transfer funding from your home bank to your primary PI account (yours) and have secondary Savings/ATM account card (spouse/girlfriend) that you can then transfer money to from your primary account.

-  All set up for online banking.  No paper work, no standing in line and no waiting for the money to show up.

 

Lots of ways to minimize fees and get best exchange rates, but you might find that keeping your money safe while having convenient access worth a few dollars a month.   



#21 ONLINE   RonnieGB

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Posted 27 August 2013 - 11:12 PM

hsbc premier no charges :)



#22 ONLINE   Chris in Makati

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Posted 28 August 2013 - 01:49 AM

The HSBC machines don't charge and I don't think the Citibank ones do either. The HSBC will give 20,000 as a single transaction.

 

In fact the HSBC machines will give you up to 40,000 Pesos in a single transaction.



#23 ONLINE   scuba539

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Posted 28 August 2013 - 03:13 AM

I also live here and use Xoom.com and send myself money directly from my US bank account in USD. Once this is set up, you just go to the Xoom web site, log in and transfer the money to yourself. It only takes a couple of minutes and it is ready for pickup.  Cost is based on the amount you send. For $2000 USD it cost $15 US. BDO in SM Mall is the only place I have found that cares this much USD and the bills are all new and crisp so exchanging them is simple. Reason I send USD is I can then exchange money on the street when the exchange is favorable. If you send it in Pesos the exchange is a lot less and in the end it cost more then the Xoom fee.

 

 

Do you need a ACR card to open your account?

Yes you do need this card to set up an account here in the Philippines.



#24 ONLINE   lolo

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Posted 28 August 2013 - 05:18 AM

Citibank waves all of my international fees and ATM fees if I use citi branch. You need a special account and it works great. I even have a letter stating my fees are waved. Been with Citibank for over 12yrs and it works great.  When in Thailand use AON bank because of know ATM fees.



#25 OFFLINE   ParadiseTours

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Posted 28 August 2013 - 06:17 AM

I also live here and use Xoom.com and send myself money directly from my US bank account in USD. Once this is set up, you just go to the Xoom web site, log in and transfer the money to yourself. It only takes a couple of minutes and it is ready for pickup.  Cost is based on the amount you send. For $2000 USD it cost $15 US. BDO in SM Mall is the only place I have found that cares this much USD and the bills are all new and crisp so exchanging them is simple. Reason I send USD is I can then exchange money on the street when the exchange is favorable. If you send it in Pesos the exchange is a lot less and in the end it cost more then the Xoom fee.

 

 

Yes you do need this card to set up an account here in the Philippines.

 

So you use xoom.com to transfer to a local PI bank account in your name mate?






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