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@  bigaallaann : (23 August 2014 - 08:52 AM) @ Liempo...I am not interested seeing Pikachu naked..My reply was to PhillySteak from previously posting photos of wartless pussy.
@  bigaallaann : (23 August 2014 - 08:15 AM) @ Liempo..I have tried looking for pussy wart photo via this link http://www.balibago....ve/200910.php.. Can`t see any photos.
@  the boss : (23 August 2014 - 07:43 AM) pussy warts?
@  Liempo : (23 August 2014 - 06:50 AM) think trial was in Ala....don't know where they sent him...don' care...
@  evildick : (23 August 2014 - 06:03 AM) thought he was in jail for years in FL
@  Liempo : (23 August 2014 - 02:05 AM) Scott.....VIPAsia to some in AC...
@  the boss : (23 August 2014 - 01:53 AM) Gary?
@  Liempo : (23 August 2014 - 01:27 AM) A lot like this.....just scroll down tillu see the photo. http://www.balibago....hive/200910.php
@  the boss : (23 August 2014 - 01:05 AM) What do vaginal warts look like?
@  Liempo : (23 August 2014 - 12:11 AM) @bigaallaann...were you saying you needed the magnifying glass if Pikachu posted his own nekkid photos? Hoo...This shoutbox took an ugly turn.
@  Dfnsmn34 : (22 August 2014 - 05:12 PM) haha lighten up Francis!!! @warchyld...it was all in jest. but to answer your question bro...no red light cameras here.
@  bigaallaann : (22 August 2014 - 03:51 PM) Shit! I was looking forward to using my magnifying glass.hehe
@  PhillySteak : (22 August 2014 - 03:45 PM) Yes I have posted some photos of those but they were wartless hehe
@  bigaallaann : (22 August 2014 - 03:42 PM) Close up pussy shots are also nice..Can check to see if there are Vaginal Warts. :Evil_Grin2:
@  PhillySteak : (22 August 2014 - 03:32 PM) Before and After shaving pics are nice. Not of me but of a nice piece of pie
@  bigaallaann : (22 August 2014 - 03:25 PM) @ Pikachu,Photos posted must have been taken by you NOT of you. :WinkGrin1:
@  Pikachu : (22 August 2014 - 02:07 PM) Who would want to see a pic of lil ol me ? Can we post girlie pics instead ?
@  bigaallaann : (22 August 2014 - 07:53 AM) Gentlemen,My understanding is that any photos posted must be exclusively your own.
@  warchyld : (22 August 2014 - 07:49 AM) Rule breaking gets people banned so feel free to get yourself banned but don't expect others to follow suit, also go through red lights when no one is around because red light cameras don't exist right???? stupid example there mate.
@  Dfnsmn34 : (22 August 2014 - 07:34 AM) Lol. Rule are meant to be broken. As such Its the way we are wired. Wait? It's a red light? No one is around... Stinking red light! Means GO!


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Philippines Atm Bank Charges


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34 replies to this topic

#1 OFFLINE   TheCatFish

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Posted 28 August 2013 - 06:32 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.

 

I plan to use CitiBank as well.  I have done some research and it seems to be one of 2 possible banks that could work for me.  


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#2 OFFLINE   scuba539

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Posted 29 August 2013 - 03:08 AM

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


No I just transfer it to myself and go to BDO in SM mall with 2 pieces of picture ID (Passport, drivers license, I-Card, etc...) and pick up the cash. I can then watch the exchange rate and exchange as little or as much as I want when it is favorable.
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#3 OFFLINE   lolo

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Posted 29 August 2013 - 07:06 AM

I plan to use CitiBank as well.  I have done some research and it seems to be one of 2 possible banks that could work for me.  

 

You need to have a GOLD account before Citi will wave the fees.  If you are from the States make sure everything is in writing and never go below the gold card limit.


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#4 ONLINE   Tukaram

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Posted 29 August 2013 - 08:07 AM

Do you need a ACR card to open your account?

Every bank seems different.  At first i opened an account at BDO - from online recommendations.  Every branch I asked had different rules for opening accounts.  That should have been a clue... they all said I had to have an ACR - then they said I had to open a joint account with a local (used my girlfriend).  I was not happy with their service and attitudes.  I talked to some expats and they all said BDO sucks - go with BPI.

 

So I went to BPI and all they asked for was my passport, and p5,000 for an opening balance.  I opened a dollar account and a peso account so I can XOOM or WU myself money in dollars to avoid the horrid exchange rates from XOOM or WU.  Then x-fer between accounts when the rate looks good.  Only thing I don't like is the dollar account can't have an ATM.  But I really only plan to hold a little money there and x-fer it to the peso account as needed.  My real account is USAA and my money will stay in the US!


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#5 ONLINE   hampshire1

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Posted 03 September 2013 - 08:22 PM

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

 

How do you get money into a PI bank account, is there not charges when you transfer money from your home country


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#6 OFFLINE   kokomolade

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Posted 03 September 2013 - 09:20 PM

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

+1 Attached File  Metrobank.JPG   87.26KB   7 downloads

 

Do you need a ACR card to open your account?

 

If you deposit a substancial amount (200kp min), you only need a passport. When i opened this Metrobank acc they just asked for a Bgy clearance to verify my adress but an electric bill would have been sufficient.

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.

My gf (nr77 :WinkGrin1: ) have used Landbank last 6 years. No fees wherever she go in Phils but in some pesky small cities thers a max 4000p withdrawal each try.

 

Hampshire1, on 03 Sept 2013 - 10:22 PM, said:

How do you get money into a PI bank account, is there not charges when you transfer money from your home country

 

Ordinary bank to bank online transaction. Cost me 900p each. I transfer my pension every month i'm in Phils.


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#7 OFFLINE   Bushdoctor

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Posted 03 September 2013 - 09:41 PM

THE ULTIMATE WORLD WIDE MONGERING CARD

All of these possibilities are OK, but don't forget that even if your bank of choice doesn't charge an ATM fee, the ATM you actually use will, if it's not a specified one or a branch. Also they almost all charge a bank fee, or foreign transaction fee.

I'm speaking from the perspective being a citizen of the USA, but if you get a Charles Schwab investor checking account they will never charge an ATM fee, they never charge a bank or transaction fee, they always reimburse for any ATM fees (there is no limit), at any bank or Credit Union, anywhere in the world. There is no account fee, there is no minimum fee. You can add your current Us bank as an external account and easily transfer money online. It is the ultimate world wide mongering card. As a bonus you get better exchange rates than you do at the currency exchange businesses. They pay what you see posted at www.visa.com, since they carry the Visa logo.

To check current exchange rates go to www.visa.com, select your country, then go to the search bar and enter "currency", a currency converter option will pop up, click on the pop up and then enter zero for bank fee, and put in your country of choice.
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#8 ONLINE   Chris in Makati

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Posted 04 September 2013 - 01:26 AM

How do you get money into a PI bank account, is there not charges when you transfer money from your home country

 

Depending on which banks you use there may or may not be charges involved. If there is, they're usually a fixed amount ranging from around US$10 to $25. To make it cost effective you need to send a large enough amount that the charges are small in relation to the amount sent.


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#9 OFFLINE   kantutero

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Posted 04 September 2013 - 04:38 PM

Metrobank in US charges $7 per remittance to Piso account in PI and gives good forex rate, about .25 off the listed rate online.  I think BPI and PNB are similar (have offices in US for remittances). 


Edited by kantutero, 04 September 2013 - 04:38 PM.

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#10 ONLINE   Tukaram

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Posted 05 September 2013 - 01:09 AM

How do you get money into a PI bank account, is there not charges when you transfer money from your home country

 

It depends on if it is a dollar account or a peso account.  You can use XOOM or Western union for either account type but the charges are different.  Currently XOOM is $4.99 to x-fer dollars into a peso account - but the exchange rate sucks!  Western Union offers a no fee x-fer if done online direct to a bank.  They make money on the exchange fee but give a better rate than XOOM.  Western Union dollars to a dollar account is $7.99 because they make no exchange fee.

 

You can call your bank and do a wire transfer but I have never tried it because the time difference makes it weird to call the US and I just have been to lazy to look into it.  I don't know what the fees would be for my bank.

 

I just set up a dollar & peso account at BPI and will write a check from my American bank and deposit it in my dollar account here.  I can watch the exchange rates and withdraw my dollars and convert to pesos when I get a better rate.  Takes some planning (check takes 21 days to clear) but as I am retired here I got nothing but time!


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