Thread: Manila
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11-11-19 18:16 #17696
Posts: 6830Originally Posted by Ekspat [View Original Post]
ME: You are probably right. I opened mine several years ago, online was probably available. I just followed the steps given to me in PM here at the time, did it all by mailing the multi-page application. Have linked that account to my regular bank account for xfers. Works beautifully. While BDO is in many places, the Schwab card works anywhere the Visa symbol is displayed, no need to find any given bank's machine.
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11-11-19 16:14 #17695
Posts: 1290Originally Posted by KabulGuy [View Original Post]
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11-11-19 15:52 #17694
Posts: 15917Originally Posted by WestCoast1 [View Original Post]
So I went to the website and opened a brokerage account for her. I think I only transfered $1 (might have been $500 that she would use during her trip. Can't remember) from her local bank. When that was approved I went online and opened the investor checking account. I linked it to her local bank account. They sent like 1 cent and 2 cents between the accounts to verify them, then they automatically sent the ATM card. The entire process took less than 1 week.
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11-11-19 15:17 #17693
Posts: 6830Originally Posted by KabulGuy [View Original Post]
1) A Schwab trading account (stocks, securities), with a minimum of $200 deposited.
2) A Schwab checking account (hence the ATM card). I load up the checking account and not only use the Schwab ATM card overseas, I have come to use it everywhere, as I know that any machine that hits me with any fee will be rebated back at the end of the month (even machines in my home country).
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11-11-19 12:19 #17692
Posts: 983Originally Posted by WickedRoger [View Original Post]
Just paid 250 p fee to take out 10 k p from a non HSBC bank in Bohol. Not excessive to some others I have seen.
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11-11-19 08:57 #17691
Posts: 487Originally Posted by Strel75 [View Original Post]
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11-08-19 04:39 #17690
Posts: 6781Originally Posted by KabulGuy [View Original Post]
Check PM please.
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11-08-19 03:24 #17689
Posts: 156Thanks for the herculean and fantastic effort in sharing your research notes with us. This is the kind of guide we all look for.
Originally Posted by ShinyCrazy [View Original Post]
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11-08-19 02:41 #17688
Posts: 983Originally Posted by Sock111 [View Original Post]
But I think the driving factor is to increase ATM fees. I take out the max when I am at a HSBC machine, I really try not to use local machines because of the fee ald low withdrawal limits.
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11-08-19 02:12 #17687
Posts: 13Trying to find an anal provider in Manila
Any ideas how to go about doing this? None of the girls in the bars want to admit that they do it, which is a very frustrating guessing game.
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11-08-19 00:45 #17686
Posts: 178Originally Posted by Franga [View Original Post]
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11-07-19 11:38 #17685
Posts: 6781Originally Posted by Franga [View Original Post]
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11-07-19 10:02 #17684
Posts: 6830Originally Posted by EngineDriver [View Original Post]
1) The ATM machine itself, some in Phils will not kick out more than 5 k in any instance.
2) My bank (s). I use two ATM cards, and online in my account settings I have set both maximum withdrawal limits on any instance, and also you can call your bank to set a minimum withdrawal timeline (example, 24 hours). In this case, I can withdraw, say, p10 k (max withdrawal limit on any instance), and then cannot withdraw anything again for 24 hours. Alternately, I could withdraw p5 k now, and another 5 k a few hours later, but nothing more for another 24 hours after. I'm not saying those are my actual limits, those numbers are examples.
I met an American last year in a central Luzon small town (he lives there). His passport shows him a traveler thru more countries than me. Guessing that makes him a world traveler. He said he keeps his max withdrawal at p5 k and also limits that withdrawal max to once each 48 hours. No kidding, once he reaches 5 k he can't withdraw again for 48 hours: "My GF has access to my ATM card. Don't want any runaway situations". Ohhhhh.
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11-07-19 08:04 #17683
Posts: 3393Originally Posted by EngineDriver [View Original Post]
Per transaction limits depend on the bank who owns the ATM. Even within the same bank network, provincial atms may have lower limits than major city ones.
https://blog.payrollhero.com/2015/04...lippine-banks/
PI banks have never limited my daily withdrawals. It's always been my home bank. Let them know you are travelling so you don't trigger fraud alerts and get your cards blocked. Also, daily limits can be adjusted, often online by the account holder, without the need to go into a bank branch. I think the default is AUD1000 or PHP 30 k. Obviously this takes 3 transactions and 3 sets of bank fees so maximised your individual withdrawals.
Enjoy. G.
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11-07-19 07:54 #17682
Posts: 343Atm
Originally Posted by EngineDriver [View Original Post]
Most philippine banks limit each ATM withdrawal to 10,000 pesos. So you can do multiple withdrawals up to your bank limit. One after the other. You could do three 10,000 peso withdrawals in one 24 hour period.
If you have a travelcard, then the limit is much higher. One time I withdrew ten times 10,000 pesos. So 100,000 pesos. Ten withdrawals one after the other.