Getting Access To Your Money in The Philippines Through Various Sources!
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- Опубліковано 23 гру 2023
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www.pinalove.com/?ai=3494&cid=1
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Another wonderful reason to move to the Philippines - no one knows their right from their left 😮
Another great video Gio. I agree, I see no reason to open a bank account in the Philippines. I've been with Schwab for about 2 years now and I couldn't be happier. I use them for my retirement and brokerage accounts, as well as their investor checking account. Everything under one roof couldn't be easier. Also, great customer service and no ATM fees. My only regret is that I didn't leave Bank of American and Merrell Edge sooner.
Do you trade stocks in your Schwab brokerage account? I have Schwab and use it for trading stocks but I have been informed by Schwab that if I'm in the Philippines for 6 months or more, my Schwab account will be locked and I'll lose access to it. If I was to live in Thailand or Malaysia, there would not be an issue but there seems to be an issue with Schwab and living in the Philippines while trading stocks in their brokerage. I also have all my accounts with Schwab (investment, retirement, checking) and find it convenient but worried about getting cutoff from my accounts which I'd be using for my living expenses while overseas.
@@napoleonmdusa8877 I'm still in the US. I plan to rent out my house and visit the Philippines next year. I will get one of those mailbox accounts here in Vegas and give that address to Schwab.
I've heard rumors of this. Very much concerns me, if true. Of course, when logging into Schwab use a VPN, and point to the US.@@napoleonmdusa8877
yea I use my Citibank and Chase credit card. don’t have to go thru red tape or trust of opening Philippines bank account.. social is direct deposit in my bank
My money stays in my 4 USA 🇺🇸 bank accounts only. I do have both GCash and Wise now, but have not used or set them up fully yet. Confused how to connect my WISE account to one of my USA bank accounts to put money in there, other than use "remitly" to transfer funds in!! Great video G man. Wise is so cool and I have setup up over 30 currencies of countries I want to visit in the future!! Health and Source or God willing!! No Philippines bank accounts for me, from what I have both heard and experienced one time myself!! 😮Happy holidays and New year's day to all, especially to my fellow vets and those still serving in theatres worldwide and in space!! ❤🎉😊! Go both Army( congrats on keeping the streak alive) and Navy, served in both proudly and honorably!! Hua and hooyah!! Real talk&Nuff Said! Any vets out there make sure you claim your military after service full benefits compensation. If you do not inquire, you will be leaving your money on the table for the VA to gourge!! It is there for the taking, 1. Get educated
2. File and go through the process 3. If service connected and successful, it could be thousands upon thousands in back pay they reward you with!!
4. Not to mention the tax free monthly earned income you will recieve for you and any dependents, if you file correctly.
5. Font be fooled. ThIs is not charity or some bs program to be ashamed of, you rightly earned this because we were very lightly paid on up front compensation and it was more back end loaded with different benefits, that alot of our sister( ladies always first) and brothers in arms are not even aware that are out there. I know I wasn't and now getting some of mine and going for my 💯% now!! This will make life so much easier whether you remain in the USA or relocate like both Gio and I did to the Philippines 🇵🇭 for now!!
Bio, it’s horses for courses but with the greatest respect to you I think a PH bank account is essential. I use it at atm, debit card, top up gcask, grab etc.
Agree, when in the Philippines I think better to have backup just in case. I think redundant , it's not that a USA bank might shut you down, it's just a matter of when it will shut you down.
Agreed, after 5 years I finally opened a PH account and its been very convenient. I use the bank app to transfer money to friends when we split bill for a meal, pay my driver and cleaning lady, and even top up my RFID for my car.
i lived in cebu for many years, i used my debit card for 7 years, No problems, i have 2 accounts in usa. I have several credit cards for emergencies. I would never own property, or have a bank account in another country. My money is safer in the USA. I never never had any problems getting money, and if u cry about the fees then u should not be living overseas anyway.
Well done - thanks.
I'm adding this one to the ”First Week" playlist.
Schwab allows me 50k ATM per day. For a larger amount I write a personal check to my Philippines bank, for the lowest fee and best exchange rate.
HSBC in Makati has an Atm 40,000-peso limit, more important if you open a bank account outside the USA, you have some tax filing that has to be done for overseas accounts not worth the hassle Gio.
Exactly. open an account overseas just gives the IRS something more to raise suspicion.
@@keith-kb1zlwhy would you tell the IRS about the account?????
@@Juice17408 in some countries, the bank will ask you for your US Social Security Number. And then there will be information sharing between the bank and the IRS.
@@Juice17408 It's often done automatically through international banking agreements; you're not involved at all.
@@Juice17408😂😂 you don’t think the IRS doesn’t track all transactions in and out of the US.
Wow I didn't know about that in banks here in the Philippines Gio thanks for the info. I was thinking about opening up a bank account here because I'm living here permanently. Now I know. Merry Christmas Happy New year 🎄🎄
As always very useful information. 😊
Gio, may you and Maya have a wonderful Christmas and New Year season!
Business here is very different than the states. I have heard and seen enough to know I don’t want a large amount of money kept in a PH bank.
Debit cards. Wise account and Gcash. I’m good with that.
Have a Merry Christmas Gio
I opened Remitley and had nothing but problems. After a month my account was closed. They nonstop continually wanted more information and finally I said enough is enough. Run from Remitley.
They locked me out after about 6 months.
Same. they wanted full copies of bank statements, with balances (not blackedout) and a copy of passport sent visa non-encrypted email. I laughed and hung up.
Gio I wish to say MERRY CHRISTMAS to you and your family, may you all live in safety and good health.
Very helpful post. Thanks! I am stateside now, but will be returning next month. I will look into Wise and G-Cash. One word of warning to potential visitors to the Philippines. ATM machines in the Philippines often run out of cash VERY often. In a pinch you can Moneygram yourself cash with a fee. I just got my Alien Certificate of Registration card for the Philippines, which, according to banks allows me to open an account. You are correct. Each bank has a different policity, even WITHIN branches of the same bank! By the way, I live with my Filipina wife just outside of Antipolo on Luzon.
These are essentials to know. Thanks again Gio.
Merry Christmas Gio and Maya!
I couldn't recognize you without your trademark cap and shades. 😎
Merry Christmas To you Geo n your wife 💖
Very Informative. Great video!
Merry Christmas Gio, and Your New, Wife.
Thanks Gio. Happy Christmas to you both 💞💞
Happy holidays!
Bank transfers from your country are easy way to transfer to local businesses, most have accounts even if they ask for cash, they will accept it generally. Smaller amounts are better through usual companies like Western Union, sent to yourself.
Thank you Gio for the good advice. I think I will go the way of Gcash or wishes. What about credit cards use from America?? Is it safe to use??? Capital One or Bank of America card
I use my credit card at the grocery stores, malls, hotels and flights so yes.
Thanks for sharing G!
You bet!
Thanks Gio great video 👍
Sounds like pH banks got sticky fingers
Thanks 🙏🏻 again for the info 👍 . Your the best 👍
I do wise and Gcash too
Great info, I have USAA
Thanks for the information
Hey Geo just got my Gcash account using my US Passport this was like 2 weeks ago thanks Jim
Great vid
If you leave money in a bank account in the US be careful about secondary security. Having secondary security requires your US bank to ask you for your phone number, so they can text you a code number. IF your phone will not receive SMS texts from the US you will not be able to access you account. I agree with Gio, Wise and gcash is the way to go.
Yes just give them your email for that authentication instead
MERRY CHRISTMAS GIO
What if you can't open a bank account in the country you are in abroad e.g. (Philippines) to receive your money from your home country e.g. (Canada) account because you are a tourist ...how would I then get my money e.g. ($1000.00 U.S. or over) from my personal bank account back home in Canada to the Philippines then? Do I have more options other than TransferWise?
Thank you.
Wise (probably best option as Gio says with transfer into GCash and using the GCash visa/debit card for 16p per withdrawal), Remitly, WorldRemit...
I am an American and I flew to Manhattan and I opened an account at Philippine National Bank before I retired in Cebu. I actually needed two accounts: a dollar passbook account where I can deposit withdraw and receive dollars in person only, and a peso savings account with debit mastercard. I can write myself a check and deposit it for 100 pesos. It takes 30 days for checks to clear. All those wise transfers costs much more in fees and also a lower exchange rate from wise. Philippine National Bank has a branch in your country. it is much, much easier to open an account in person in your home country at:
PNB RCC Mississauga Branch
104-3050 Confederation Parkway
Mississauga Ontario L5B 3Z6 Canada
I googled it for you.
Cash remittance like Remitly.
Great information
Glad you liked it
Merry Christmas 💖
Buon Natale!
The big issue in some cases is getting a replacement bank card sent to you, so if you do happen to run into that problem having a local bank account isn't a bad idea along with using a remittance company of your choice for having an easy way to access some cash. But again at some point, the atm card will expire some banks are better at handling the replacement process while others are so paranoid it becomes a hassle to actually receive the card.
Having a local account reduces the need to constantly expose your US atm card in the Phils. Many of us have alternate US banks to access funds, having a local bank account is handy at times. I set up automatic monthly transfers to a second US bank account which saved me. Dealing with my primary bank concerning a replacement atm card was a disaster for the first few months was able to get it worked out while still having access to other funds.
Im the cautious type and I have seen the Philippines after a major Cat 5 type Typhoon and the city is shut down for 3 weeks or more. ATM run out of money or not working at all. The other scenario is maybe war conflict in China sea and then cash will REALLY be king. I personally keep a large sum of pesos and U.S dollars in my home safe. I have seen the videos of foreigners in the province low on cash after a typhoon and no ATM access..
Sir it best to never exceed 1 k USA dollars on anything here in Philippines
If got bank account just into the bank and take big amount it's not hard.
It is ok I keep most of my money invisible out of US banks safes safety deposit boxes foreign companies foreign nationals outside of US jurisdiction LLCs trusts. Big learning curve here
I tried to open a bank account at BBI but was told I have to wait 6 months to open in Iloilo I have acr card and Philippines drivers license looking to buy a condo or house keep going back and forth on Iloilo and dumagette going to dumagette in February with GF she never been and I have a friend there as well that’s why I like it there lol
I will contact you about G-Cash before I fly over.
Nah using all digital UK bank cards for Agoda type things exchange rate is perfect zero fees and reliable banking system. Loads of paperwork at ph banks and hardly touched them and still learned this. Ph bank is good only for transferring from wise to bank in small amounts and withdraw. But G Cash bypasses any need for a bank many places accept G Cash too and can cash out any places low fees
I have always had difficulty with money in the PI. My credit cards don’t work even if i do tell them about travel ahead of time. Cash is easier, but it is also easy to lose. I did have a bank account, but it is very restrictive now. I lost the account due to inactivity. If you bring cash, change it at the airport or in the big city. I thought they were picky about money condition in the big city. It is ridiculous and disabling in the Province. Don’t make a fuss, it does no good. Rules are not uniform. It depends on if the planets line up or not. I was short $300 on my last trip because of a tear on the bills that the cashier put there. I nearly imploded, quietly. Money changer in Manila would have taken it.
Another problem is, do you carry or leave it. Don’t put it in one spot. Spread it around. Hide it. I think Gio has those money bags that are anti-theft. Lockable and difficult to cut open.
Thanks for the info Gio, by my reading gcash charges 2% in and out, is that what you pay?
Where did you read that?
Always name drop so we'll know to look out for it
hey Gio thanks for this helpful info. with schwab; how are you handling the 2FA issue? skype US phone number doesnt work and ive heard that most voip numbers wont either. so is the only option to get an actual US sim activated in the US and pay their huge roaming fees? would be great to hear how people have solved this n the most economical way. thanks again and merry Christmas
Yep, I'm hearing about that same issue with rejection of 2FA with VOIP connections. I'm considering T-mobile as an option but keep my phone on wifi (no roaming needed) unless ready for 2FA and switch the phone to cellular access (& roaming) for that short duration that I need to use it. This crap is getting to be a pain in the ass for getting access to our own hard-earned money as needed while we are living/traveling overseas.
I've been in PH for a year and use T-mobile and just keep it on wifi, No roaming fees have ever showed up on my bill. has worked great so far. I have dual sim so have a +63 number for my local things. Can call or get texts (which are a must for US credit cards) from USA anytime no problem. Also have a VPN on my phone and computer (express VPN, works for everything like HULU, MAX, VUDU)
I'm switching to T-Mobile
great strategy. i see t-mobile has a prepaid $10 a month plan. seems like a good option.@@jim6122
I don't have Schwab, they turned me down when they found out I live overseas. I will try again when I am in the states in June.
Set up western union and wise before you arrive in the Philippines. I send my self dollars using western union and wise for sending peso to bank account. Link both to your bank account and send as needed. Been doing this for many years never had a problem. Both as apps and setting up before moving is highly recommend. Fees are not bad doing it this way.
Can you use a visa credit card for major purchases?
Yes, you can. However, it is important to remember that the Philippines is mostly a cash society. As such I would not recommend it. Also, the cashiers will more often than not write down your entire credit card number and all other card information on their copy of the receipt which is crazy and opens your account up to a possible fraudulent situation. G-Cash is widely used in the Philippines.
@@KrayPurn I either cover the 3-digit security number with a sticker or memorize it and scratch it off.
If your card has a chip, you can do the same with all or a portion of the other card numbers and information as well.
Hello, Gio, and thx for taking the time to do what you do. Have surfed lots of comments from various posts recently, but still not seeing buzzwords for which I'm searching.. namely; cash app, PayPal, venmo, etc. Any of those catching on over there yet, bc they're certainly handy, and are taking off back here in the States
Hi Gio. My British pension company told me they will only send my pension to a Philippines bank, and not Wise or others! I have no idea how to prove that. Do you have any ideas please?
Open a bank account
Send your pension to a bank in your home country. Wise is just a transfer co. Wise can send the money here to the PI.
I want to purchase a Piaggio tuk tuk type motor. Because of my age I can not get financing. I plan to take out a cash advance on my Visa card to my CIBC bank account in Canada. Then do a global transfer to my BPI account here and just take out the cash and make my purchase. Then I can pay off my credit card at what ever rate I want. That is if my wife lets me. She's the boss.
Careful about doing cash advances from credit cards because the interest starts immediately, unlike regular payments that give you 30 days. If you need a cash advance, I would try to borrow from any cash value in life insurance or something else, rather than using an expensive 22% interest rate.
Have been reading a lot of posts about "digitization" of currency in the US. I don't understand what that means and am wondering how conversions into non- US currencies would be impacted.
They are scammers trying to scare you to invest your money.
Yrs Western countries are trying to go digital (most likely to control/moderate) they want to get rid of cash
@@franky3231 no it’s not scammers Western countries ARE trying to go digital and get rid of cash
Not sure why you need WISE or GCASH if you can just withdraw cash from your US bank account. I’m from the U.K. so I could either just use my existing bank account or open an offshore HSBC account based in Guernsey which effectively is a Global Bank so it doesn’t matter where you live. I suppose the only question is, how do you pay for monthly rent ? In cash or by a regular bank transfer?
Wondering same thing here Gio
Actually, having looked at this in more detail I do see an advantage of having a WISE account with a WISE ATM CARD. You can hold multi currency accounts within the WISE account and transfer from a western currency to a WISE account in pesos at a good rate. Then you can buy things in pesos either by using the WISE ATM CARD to withdraw pesos from the peso account, or use it as a debit card and pay in pesos. So the key advantages are that you exchange your currency for pesos at a better rate than you would get at a bank and it also effectively gives you the ability to electronically hold and spend pesos without needing to have a Philippines bank. Also good for global currencies and travel. For example if you want to travel to Japan you can open a yen account linked to the same card and convert some of your currency into yen etc. So you never need a bank anywhere for currency transfers or conversion as the whole thing can be done on line with your wise account .
Online bank transfer from your US bank to your bank in the Philippines. That’s what my US bank advised me
I plan on one day marrying my gf from Philippines and she will move to USA. Would a joint bank account in Philippines help validate our relationship?
It becomes a tax hassle since you have to file another form and report your foreign bank holdings each year. Just go and take pictures together wherever you travel and file a K-1 fiancée visa to bring her here to marry. It takes about a year so you may want to get started.
It’s better to make multiple trips and take lots of pictures.
Opening a bank account was a hassle. Luckily, I knew someone who had connections at a bank and could open a checking account. Also, they are extremely strict about your signature matching your passport signature.
No hassle at all. Just show passport on tourist Visa.
The bank being strict with regards your signature matching passport signature is a good thing, something they should do.
Where and which bank? Can someone please help me out with a recommendation?
@@phroden which bank? Where?
Schwab works great here
Great advice Gio. Hope you and Maya have a great Christmas
Happy holidays!
Word of warning also, I went to a BDO atm to withdraw money. Went through the process but money was never dispensed? That was a night mare
Happened to me once too. Luckily I disputed it with my bank and they reversed it.
Is Bitcoin becoming accepted in the Philippines?
Not yet
, red alert red alert. Do not open a BANK account here in Philippines.
Believe me, I know.
Merry Christmas.
Why? They’ll steal your money?
If you live out there you can have the Bank transfer money monthly into your account or are the fees to much
I'm similar. I have PayPal linked to my GCash and use that for a lot of transactions. Does Western Union work with a large cash movement? I rented a condo and they wanted either post dated bank checks (but I don't have a bank account) or the full 12 months of rent up front. I wired the cash from my bank in the US to my girlfriend's bank account in the Philippines and then she withdrew the cash, but I want to be more independent with finances.
I am not a fan of western union, high fees and not a good exchange rate.
If you pay 12m up front, negotiate a discount or walk. Even then, you might find faults.
Im building my family a house in cebu city and I use Western Union to transfer up to $6,000.00 bank to bank for $2.00 with zero probs. I tried XE first and I should have heeded all the warnings from the reviews but I didnt. XE took the money out of my account and then canceled the transaction with no reason given and said it would take up to 10 days to return it. Fair warning people.
Interesting, Gio. I've only been here for 4 months, but I'd already come to the same conclusion. The only thing I haven't done is get a gcash account as I don't have a Philippines phone number. However, my fiancee has one and when I need to, I just remit to her. Thanks for all of your great content. Merry Christmas to you and Mia.
If you are thinking off buying a condo or a bike a bank account would be much simpler
I and my wife have a BDO bank account.
Either she or I will transfer money from Bank of America to our BDO bank account in the Philippines.
Never had any issues.
I've been able to open a BDO account after a hint of an expat pointing out a "loose" branch...
On a tourist visa I must note. Most branches refuses to give it to tourist. Even with ACR
@@ericl7959 Please help. Which branch?
What was the bank name??? Your vlogs are a great help to us but details like this cannot be omitted.
Which bank I mentioned a few.
Each bank and each branch seem to have different requirements. You have to find a branch where the manager and staff aren’t idiots and that’s no easy ask.
But some expats will know a branch where their mission isn’t to be difficult. I was sent by a lawyer with a contact to PNB. 40 minutes to open an account and have internet banking up and running. But certainly it’s who you know.
Bank to bank transfer... Reserve the cash. Go to the bank. Get the cash. How did you get verified on GCash? I did not recognize my U.S. passport or my California drivers license.
You'll need a Philippines id like an ACR card.
What does Wise charge to transfer dollars to your g-cash. How is the exchange rate compared to the "real" rate of exchange.
How do you get your Stateside Credit Card/s sent to you fir renewal?
Traveling Mailbox: travelingmailbox.com/?ref=1384
Just wondering how much can you send per transaction from Wise to G cash and where or how to you pickup the sent cash from G cash? Thanks...also is 1 transfer a day and pickup allowed?
Well, that I am not sure but I would not trust GCash to keep large amounts.
Hello Gio, I'm 60yo and I married a philiipina and I'm planning to move to the Philippines in the next 2 years, I'm from CA and if you can give some hints to the route to accomplish that goal with all your experience, thanks Sir.
Hi I no this is off topic but how come none of the expats buy or have boats or Jet Skis like Yamaha Sea-Doo? I would think if there was a place to really have one or the other it would be there in the Philippines.
I see a few foreigners with them but rare.
@@GiointhePhilippines I see that I find it a little odd an thanks for the reply.
QUESTION? If I did purchase a bike and I need to pay the dealer. How would you pay them? in CASH, CHECK,
WHAT AND HOW?
Some places will take a card or just cash remittance.
Usually cash.
Which us bank account is best to use in the Philippines? I get VA and SS retirement and this is my biggest issue in regards to retiring to the PH. Not sure how to pay bills while there and if I have a maid how to have her pay bill without giving her my bank card lol.
What happens when your card expires do you have to go back to your country to get the card from is it safe to have the card sent in the mail
I use a mail forwarding service and ship by FedEx and usually get in within a week to 2 weeks.
@@GiointhePhilippines Do you ask your Bank to send it that way
Access to my money. What money? LOL
Can you discuss what is needed and how to make a Philippine Paypal and link it to your Gcash? I believe they require ACR card and a Philippine bank account.
I am looking to link my US credit cards to Gcash so indirectly use my credit cards to pay rent via Gcash. Thanks Gio
Yes, you need a Philippines phone number and an id from the Philippines like a driver's license or ACR card.
I assume a Philippines phone number, address and id.
@@GiointhePhilippines i have also read that a philippine bank account was needed, can you confirm if this true or not? Or can i use what you listed to create the account and the very first thing i can link is a US credit card?
I think linking a US credit card should be possible because i personally know someone who linked his hong kong credit cards to his philippine PayPal.
I sent around $1,000 to someone and GCash lost it then closed her account then would not let her view the statement. GCash has no accountability. My take, it was a inside embezzlement. I would never send them money again.
It could be that she DID receive it but told you she DID NOT.
Can you get Gcash as a Tourist as long as you have an ACR card?
Yes
You don't even need an ACR card. Your passport is acceptable
yes
Do you need a local SIM card/number to get Gcash?
Yes
Who out there speculates in Philippine pesos? It seems to me that while the dollar is strong I should be buying Pesos and stockpiling some for those large purchases. In 2019 it was 46 pesos to the dollar...today it's 54-56. You've been here for years but I've never heard a word from you or anyone else on this subject. What say you?
Anyone I've heard talk about it, just consider it a nice bump for the month with it evening out over the long term. Gio has mentioned it a few times randomly on the channel over the years as a nice benefit when the dollar is high.
So, what happens when your 150,000 php is transfered and can only pick up 50,000 php--how do you get the rest?
Well, before you transfer stop at the cash receiving location and find out how much is their max. Then you can send the max amount maybe a few days in a row.
@@GiointhePhilippines I'll keep that in mind but I was thinking of sending some money there a day or two before I arrive from the USA to make sure I have money waiting for me as a verification that the transfer worked. Hopefully, the pickup place has a website where this max pickup amount is mentioned.
If less than 50k pesos you will be fine.
Well, send it in 50k increments.
What’s the sending limit on Wise to Gcash?
you know I am not sure to be honest. I have sent $1500 before no problem.
Can all foreigners have a G-cash without any problem?
Well, you need a Philippines phone number and address.
Philippines phone number and address and you should be ok.
Gio! I loved your content and your videos till you started to put those girly pictures so often. This is si annoying and what do you try to accomplish with that? Do you want viewers to focus on your content or pictures that just distruct your message?
Stop it, just my friendly advice!
Thanks for the feedback, I am using them for 30 days to see the overall response. At the end of the 30 days I will decide. Thanks for the input.
I like the AI pics, better than watching Gio talking--reminds me of Reekays channel (Life Beyond the Sea). I'm still surprised how the AI can't yet get the text correct.
I think the Ai breaks up the video a bit and makes it more interesting in my opinion. I try to match the AI to the topic. If I am talking about medical in the Philippines I would put in a Filipina in a nurse uniform.
@@GiointhePhilippines I like that idea--having the AI pics related to the video content (if possible).
After reviewing the feedback in about a month I will decide.
Hello! how are you? Are you familiar with the Monzo debit mastercard? I think it serves the same purpose as the wise card.
I'm unfamiliar with that card.
You can pay for your hotel with a US credit card, earning frequent flyer miles, knowing that you won't be overcharged. Why would anyone even contemplate using an incompetent, bureaucratic Filipino bank that doesn't even return money promptly when they screw up?
Yep. I use my CC mostly
Does this GCash mean GioCash? 🤔
I understand your whole dilemma Geo I am a Filipino American and visit the Philippines at least once a year for a longer period of time, but I am also actually was born there in the previous of pampanga . There is a big problem with all the systems from the government bank, and all this and that, there is so antiquated. This is the problem in the Philippines that is why I am not opening a bank account there sister open a bank account years ago and then they ended up withdrawing and closing their account. I warned them before doing transactions in the Philippines is extremely difficult and pain taking and painful, this is the problem of the government system there I also have a lot of trust issues with Filipinos there always suspicious what they’re up to, even though they may put a smile in front of your face, but please do not trust this Filipino . I’ve been living in America for a long timeBusiness is in America is much less complicated and easier than doing business in the Philippines is all I can say
I'm very annoyed with gcash even though it's a great convenience in PH. I too don't put a lot in my gcash.
Right now in New York City I can't access my gcash because the security code they send to my PH number can't be detected while I'm in NY which is annoying. So I guess I can't see my gcash account until I return back to the Philippines and I'm on their cell phone frequency. Hopefully the 3000 pesos I left in the account will still be there.
I don't know how to access my gcash account while living in the USA.
From Wikipedia: "GCash is a Philippine mobile payments service owned by Globe Fintech Innovations, Inc" so you shouldn't expect it to work in the US. As for checking the balance, you're running into the same issues as someone with accounts in US is trying to access them in the Philippines and 2FA fails because they don't have US phone service on roaming or VOIP numbers sometimes don't work.
If you have globe you can roam in the usa and receive and send texts normally.
my sim card was expired from being in usa too long since they started the new sim registration fiasco, and my gcash with about 2k peso was closed because of same reason, couldnt open app in usa with the globe sim number..
@stevenlawrence5733 was wondering what happened with your gcash mobile phone issue ? anything resolved ?
Could I buy a motorbike with my U.S. credit card?
Some of the bigger places yes but otherwise it is mostly a cash society here.
Maybe the really big dealerships yes but most places no. Cash is king here.
So your bank does a double charge, based on a hotel stay, and the double money does not go to the hotel, only the single original payment. Then the bank investigates (itself?) for 6 weeks and then finally credits you.
I wonder where the money went during the 6-plus werks. If you didn't dispute the charge, you would never have heard anything about it.
Palawan pawnshop sucks 🤮
i wouldnt use our philippine debit for any thing but the atm , the banks here are backwards compared to usa . if your card is hacked good luck getting anything back
Can you get Gcash as a Tourist as long as you have an ACR card?
Yes
yes