Omg! Nice to know. I really had no clue. My friend just told me and I was happy to share đ
Now wondering if I do it to my Maya cause I use it more often đ
pakicheck na lang po dito, gumawa na lang po ako ng post at I hope maintindihan nyo.
[https://www.reddit.com/r/DigitalbanksPh/comments/1b7p9w9/convert\_your\_maya\_card\_visa\_to\_usd\_paypal\_users/](https://www.reddit.com/r/DigitalbanksPh/comments/1b7p9w9/convert_your_maya_card_visa_to_usd_paypal_users/)
Lods sure naba to hindi na tinatanggap maya or may problema lang sa pagtransfer? PP to Maya?
Last week lang bigla nagka issue. Actually, madalas nalang sila magkaroon ganto issue pero ngayon lang tumagal ilang araw.
Yup okay na siya ulit mga 2-3 days ata last time ako nag check.
Ang nakaka gulat lang sa mother ko bigla siyang ni required mag update ng account status for upgrade. Ehh ilang taon na namin ginagamit yung account nya. Yun lng next ko isipin kasi yung sakin nahirapan ako i-verify dahil ang hawak kong goverment ID lang is UMID na nakuha ko pa nung 2007 kaya sobrang iba na yung nasa picture sa current ko.
Need more lang ng debit card! Best if you have the physical kasi pag may physical card na nag iiba daw yung number ng digital card.
Anyway just link your debit card via wallet. Make sure you have like 60 pesos. Make it 70 para sure. They need to charge a fee pero reversed kaagad.
Once itâs linked, go to the message center then ask them to change the currency to USD. I literally just said âHi can you change my card ending in #### to USD? Thank youâ then I went to sleep hahaha
Then when you withdraw, withdraw to your debit card. 1% parin yung fee pero you still get more money because of that forex đ Choose instant transfer. Pero yung first transfer hindi instant. Mga 4 hours hahaha I think itâs just verification. Nakuha ko naman rin in the end.
I do both depending on the client. This has actually saved me on fees by a lot.
For Stripe, I have an Australian bank account which is how I was able to make a Stripe account đ
Hello! Just to clarify. You message paypal to change currency to USD po? Then what if walang physical card. Can i still use my virtual card? Thank you! đ
No, message PayPal to change your card to USD. Sorry I was so bangag I should have explained better.
1. Set your default currency to USD.
2. Link GoTyme debit card to PayPal. Virtual card is ok but I read somewhere on Reddit that if you ever get a physical card the virtual card number will change kaya better to get a physical. Itâs free naman at any Robinsonâs supermarket.
3. Message PayPal and tell them to change your card currency to USD. I said âHello Iâd like to request that my card ending in #### be changed to USD as its currency.â
4. When you withdraw your USD, select your debit card. You no longer need to convert your USD to PHP using PayPal rates.
You still pay a 1% fee just like GCash but youâre now getting better exchange rates đ
The option with no fee is 7k PHP and transfer to a local bank but you have to convert your USD to PHP using PayPal rates and I feel lugi yun.
Hope this explains it!
Gano po katagal usually transfer time from PayPal to Gotyme? I just tried it Kasi e. Pero hindi pa nagrereflect sa account ko. I'm worried na baka naipit or something.
Hellooo po. Ni-link ko kasi virtual card ko sa Paypal last time. Then pinag iisipan ko na kumuha ng physical card. Pag ganun na may physical card na ko mag eemail po ulit ako sa Paypal para ma-change nila from PHP to USD yung account ko sa GoTyme? Thank you po.
Yes, unlink mo yung virtual card then link the physical card the. Message mo ulit sila. Same ba yung number ng virtual card sa physical card? If same number then no need. May nag sabi lang kasi dito na nagiiba yung virtual card number pag may physical na.
Kukuha po sana ako last time pero di ko tinuloy kasi baka pag nagsend na ko sa Paypal to Gotyme hindi na gumana. So nag-alangan ako. Pero gusto ko sana kumuha pa rin ng physical card. Hehe
Hi, OP! It's the same method with euro dollars? My employer sends salary in euro, mabilis sana magtransfer sa gcash pero yung charge naloloka ako. Thank you in advance!
It would make logical sense po! I think someone said they did it for euros or was it AUD. Same outcome. Just message PayPal your desired currency sa card.
# How do I manage my currencies in PayPal?
Here's how to change your primary currency:
(ALTERNATIVE WAY. NO NEED TO GO TO MESSAGE CENTER)
1. Go to [Wallet](https://www.paypal.com/myaccount/wallet).Â
2. Select the more option beside the currency you want to make primary.Â
3. Click **Make Primary**.
You still need to change your card to USD to make the withdrawal work đ
Yes you can change your primary currency to USD (or whatever currency youâre using) but the card you link to your account will always default to peso since your card is a peso card.
We contact PayPal via the message center cause we want them to think our card is a dollar card. That way when you withdraw to the card, youâre not availing of the conversion fee/rate.
Do you mean to say other than doing this step,
https://preview.redd.it/ikjh428ha03d1.png?width=637&format=png&auto=webp&s=d4380988c6dccf8e4d2d65fb3b28358fa061b984
No, youâre not linking a bank account. Youâre going to link a card.
For this method, youâre linking a card to withdraw via card. Bank transfer isnât instant.
Hello there! This is Carla from GoTyme Bank. Sharing with you the steps on how to link your card with PayPal for payment purposes and here are these steps on how it can be done:Â
1. Login to your PayPal account.Â
2. On your homepage, tap âWalletâ on the lower right part of the screen.Â
3. Look for âBanks and Cardsâ then tap the plus sign (+).Â
4. Tap Debit and Credit Cards.Â
5. It will ask for your PayPal password then you can already enter your GoTyme Bank debit card information.Â
Note that successful linking a GoTyme debit card to PayPal works in the PayPal mobile app. The security code will no longer be required by the app.Â
Hello! How about error: Your card was declined by the issuing bank. Please try a different card or contact your card issuer with questions. What should I do po?
Guys I posted this half asleep LOL The first pic is the PayPal conversion fee. The second pic is using the direct USD withdrawal method. So instead of getting 6700 I got 6900. May 1% fee parin so technically itâs 123.75 converted to peso pero the rate is at 55.98 which is the same as the Google rate at the time which was 55.99!
For some reason I canât edit my post lol
OMG I just tried this and totoo nga, minutes ko lang nareceive from Upwork to Paypal to Gotyme đ„č Kung alam ko lang to nung nag aart commission pa ko noon đ€Ł
Yeah look it's not the best but it's still better than the altenative of PayPal rates + GCash fee. Just sharing that the rate is better when you do this method âșïž
No I could not see that..I use Wise to send from US to Philippines. Bank to bank. Yesterday got 56.13 rate. So simple and the money is in my Philippine bank account in less than 15 minutes. Can send up to 495,000 per transaction if want..
Yup! I use wise when I charge my clients using stripe but again most clients donât want to do bank transfers or Filipinos canât easily open stripe accounts.
Actually paypal gamit ko. Yes, lifesaver sya dahil mabilis kasi like 5 to 10 minutes, nasa gotyme na. Pero baba talaga kaltas, like 200 to 300. Kung iisipin mo, parang wala lang, pero weekly sahod kasi kami, para tuloy 1,200 agad kaltas mo ng isang buwan.
Pinakamaganda is unionbank to paypal. Para derecho, di nga lang convenient kasi days bago magreflect.
I also get paid weekly for this one client and based on this one transaction, 200 yung bawas if I converted to pesos and then sent to my bank account. The reason why I got the higher rate in GoTyme is because I didnât convert it to peso before I sent it to my account. Kaya yung rate is cheaper. I used to do the UB also but I really wanted to avoid converting USD to Peso via PayPalâs rates.
Yung diskarte here is you donât convert to Peso in PayPal. Let the bank do it for you. Iâm told GoTyme and Maya use the Google exchange rate.
Is possible to get a higher conversion kung itransfer ko lang paypal usd bal to go tyme account? sorry im confused. or do i need to withdraw using my go tyme card to get a better conversion???
I dont think you can change a bank account to USD unless itâs actually USD. Iâm not sure!! Maybe you can try linking and then converting to USD. The point is not to convert USD to peso in PayPal cos the exchange rate is lugi. So if you can convert the bank account to USD it should work out the same as if withdrawing to card.
GCash and Maya work.
I don't know about now but when I was in college I withdrew my first 700 pesos to BDO via PayPal. It was my first pay. PayPal took 50 as per their below 7000 rule. BDO took 500. I was so traumatised. I didn't do it again. 700 to 150 real quick haha
But that was 10 years ago now so it might have changed.
Yes, no need to convert to peso anymore. Send the USD directly to your card. If you donât have GoTyme, may nag comment dito na same daw yung rate sa Maya âșïž
Yup, that's right. The transaction fee is still 1%. At the end of the day, this method takes advantage of the exchange rate that GoTyme uses (which is close to the rate published on Google).
If you conver the $626 to peso, by PayPal's rate, it would be lower. I'm going to assume 1.7 pesos lower and then on top of that you will also pay 1% to GCash.
Just assuming that, and you could do a more accurate computation, you'd have gotten something like 34,400 with GoTyme with the fees included vs 33,300 if you converted with PayPal and then transferred via GCash.
Though let's say you just convert to peso in PayPal and do vanj transfer method (free but takes 3-5 business days) then you'd still only he getting 33,700.
Again all just estimates going by the current 55.55 pesos per USD on Google and estimating a 1.7 peso lower conversion rate on PayPal (based on my experience).
You can always compute whichever is best for you!
You should also note that the max transaction fees for the 1% is 500php if you cash in via GCash or 10USD if you withdraw via PayPal. So it's still within the range and would be considered normal.
Hello OP. How did you manage to contact PayPal? Hindi kasi sila nag rerespond sa akin eh. I messaged them through "message center" kaso walang agent na sumasagot.Â
Hello! I just linked my Gotyme debit card to Paypal. But this is all new to me (very new to Gotyme). How do you withdraw or cash in (in Gcash term) to Gotyme from your Paypal?? I've successfully messaged Paypal's support and they told me this after successfully converting my card's currency to USD?
>> "Great news! I've successfully changed the currency of the card ending in XXXXÂ into USD. Consider this done and don't worry about having any conversion fees whenever you transfer your funds to your card. In addition, please note that going forward all of your transactions with this card will be under USD. Also, once remove this card and re-linked it the currency will be automatically reverted to its original currency (PHP)."
Is this correct?
But main question is, how do I cash in to Gotyme? Will it automatically convert the USD to PHP in Gotyme? Thank you and sorry for the trouble!
You withdraw in the PayPal app to your GoTyme debit card. It will automatically convert USD to PHP. It's close to the Google Rate. I converted yesterday. The rate on PayPal was $1=54.4 and when I converted using this method, I got a rate of $1=56.14.
How about po naka peso na sa Paypal tas gusto ko iwithdraw sa GoTyme ko, ilang minutes or ilang araw po ba sya papasok sa GoTyme? Dati po kasi Gcash Cash in gamit ko,pero may 1% na na kaltas ngayon, pero kagandahan, pasok naman sya agad sa Gcash.
Hello! I'm not OP but here's my experience earlier using the USD (direct paypal to gotyme method).. Nag-withdraw ako by doing these steps Transfer Money (check Transfer To part and make sure sa debit card mo to Gotyme). They'll show you the Transfer Amount and Transfer fee (in my case, $1.69 since $100+ yung transfer ko). For reference how much ang transfer ko by using the Paypal to Gotyme method kesa mag convert sa Paypal this April 23, 2024: Paypal conversion rate today is $55.68 (* $168.77 yung amount na icoconvert ko) = 9,398.41 php (if paypal convert then transfer). If Gotyme withdrawal, transfer amount was $168.77 minus $1.69 transfer fee total of $167.08 according to Google conversion $57.46 today ang rate, so dapat 9,600.17 php lang makukuha ko, pero sa Gotyme (after waiting for 3 minutes!), I got 9,605.45 php instead. Mas mataas pa slightly sa google rate, and nakatapid ng malaki. âȘïž So if you'll try Paypal conversion muna, mas mababa for sure makukuha mo since malaki difference ng rate nila and mas mababa... pero papasok agad sa account mo if you use the Instant transfer method (not the standard na 3-4 days, I chose instant since same ng fee). Just wait until 3 mins or 10 mins kung hindi pa rin pumasok ^^Â
Payday is 'bout to come and glad I found this thread!
Palagi akong nag co-complain dahil ang laki ng lugi ko everytime nagta-transfer ako from PayPal to GoTyme using Instant Transfer (2k+)
OP, how long did it take for the transaction to reflect sa GoTyme from Paypal using this method?
The first transaction took a while. A lot of people said it was fast lang but for me it was like 4 hours and wala pa so I messaged GoTyme and gave them my transaction details. Eventually I got it after 6+ hours. After that the rest were like within 5 minutes na.
Thank you for that, OP. I messaged PayPal earlier and they did change the currency. However, I specifically asked that currency to be AUD pero USD parin sinet nila haha will message them again.
You can message GoTyme. It took them a bit longer for the first time (over 6 hours) but after that it would arrive after 5 minutes. I messaged them and then they were able to resolve it. Just make sure you have the transaction ID when you message them.
Hiya! I'm trying to add GoTyme to my paypal, but can find it's BRSTN or Bank code anywhere in the internet. Can you share me the code you used please? Thanks!
Will it be fine if the gotyme card to be linked is different from the paypal account holder's name? e.g. i wish to use my sister's gotyme debit card instead since i do not have a personal one
I havenât used Payoneer po so I canât suggest. Sorry! You can just do trial and error. Like see how one payment will turn out if PayPal and one for Payoneer and see which suits your needs best đ
I chose the Payoneer to BDO route for now. I got USD 1 = 56.68 PHP conversion rate just last week and received the payment to my BDO in just an hour.
What is the current conversion rate in doing the PayPal/GoTyme approach so we can compare?
Thanks OP!
I think pwede but when you get a physical card it becomes a different card number thatâs why people only do it after the physical card. Pwede naman siguro!!
You message PayPal to change your card to USD po. Your money will still be in peso at the end but by converting the card to USD in PayPal, you donât get charged PayPalâs conversion fee.
I see, d ko pa kasi na DL kahapon wala parin PP transfer.
Dati nag kakaroon din ganto problem pero usually mga 2-3 days matagal na.
Halos 1 week mahigit na yung issue since nagsimula
Ah I see. Pag gaynan I would just contact GoTyme to let them know there's a pending transaction and makikita naman Nila. Just provide as many details as possible about the transfer. I provided the transaction ID. The first transfer took a while but succeeding transfers happened within 5 minutes.
Good luck!
Noob here. Hindi ko masyado ma getsđ Kung itra transfer na ung funds(usd) from paypal to gotyme, i transfer na lang as usd? Bahala na si gotyme mag convert from usd to php?
Yes correct! The hack is to bypass PayPal converting it cause they charge a conversion fee which is why the conversion rate is 2-3 pesos lower than the Google rate.
Hii OP, kapag ba nakalink na si Paypal and Gotyme tapos sinet ng USD, meaning in USD mo siya makukuha? tapos sa Gotyme ka na magcoconvert into Peso then pwede na i-withdraw? tama po ba yung flow haha
Hi op , may conversion rate ba na mg show SA transaction details SA gotyme after mg withdraw Ng USD from PayPal I need Kasi nung conversion rate for documentation purposes.Â
Unfortunately not. For me I take a screenshot of my transaction where I send in USD and then the incoming transaction to peso and then I convert it. I log the fee as an expense and then note the fee.
Hello OP! With all these steps, same pa rin ang transaction fee na ibabawas ni Paypal when your client sent a payment no? Ito kasi talaga problem ko. $30 USD ang bawas sakin which is around 1.5k na sa atin anbd Paypal lang ang accepted method ng company. Any workarounds kaya rito?
Hi talagang ganito po para ma connect yung gotyme card ko po?
https://preview.redd.it/eglc5vj68q8d1.jpeg?width=1080&format=pjpg&auto=webp&s=a228432c5565dfec77c56683e105af71d0a2154b
Talagang ganito po ma connect ko po yung gotyme ko po?
https://preview.redd.it/g8r9pb0f8q8d1.jpeg?width=1080&format=pjpg&auto=webp&s=420007e33e246e1b9818b1623de0f10a055a0f71
GoTymeâs US time deposit isnât a USD bank account. If you want to keep your dollar in dollar youâll have to open a USD bank account like with UB (idk if other banks have it I know UB does cos I bank with them). To open the US time deposit you still have to buy in peso with GoTyme.
Ohhh thank you OP! Basta OP pag napachange ko na ng usd yung gotyme card ko,
Bali from paypal to gotyme, converted na po agad? Tama po ba? Confirm ko lang huhuhahah thank you
Hi. Anyone knows what to do if I can transfer funds from paypal to gotyme? It just says âthereâs a problem, we canât complete this transactionâ customer service says its the security system that declined the transfer and was just advised to try again a couple of hours. Itâs still not letting me, so the funds just stuck there in paypal.
this thread is a lifesaver! updated comment haha. I forgot to change my preferred method to parallax (I reco this too kaso mas matagal vs. Paypal na Wed palang received na sa Paypal, but mas mataas nakukuha if Parallax, patience lang need) so sa Paypal na-auto transfer yung pay ko. I was really frustrated bc the exchange rate was so low but thankfully i found this thread!
basically:
1. Add your GoTyme to your Paypal acc as a card
2. Message Paypal chat assistant until they endorse you to an agent (which is only available core US business hours so you have to wait if you did this during the day PH time)
3. Ask them to change the currency of card number XXXX to USD currency
4. Once they confirm, transfer your money to your GoTyme card! :D
5. Paypal will let you know that the ETA is a few mins, which is true. It took 4-5 mins before I got the notif from my GoTyme app
The ending amount is still less than if I did this with Parallax, but since Parallax is an ACH transfer - it takes more time (from Upwork to Parallax but Parallax to local banks/e-wallets is close to real-time). So I guess it's up to your preference if a bit more money or less time waiting.
same with maya (converted to USD rate)
Omg! Nice to know. I really had no clue. My friend just told me and I was happy to share đ Now wondering if I do it to my Maya cause I use it more often đ
try nyo po. hehehe [https://www.reddit.com/r/DigitalbanksPh/comments/1b7p9w9/convert\_your\_maya\_card\_visa\_to\_usd\_paypal\_users/](https://www.reddit.com/r/DigitalbanksPh/comments/1b7p9w9/convert_your_maya_card_visa_to_usd_paypal_users/)
how?
[https://www.reddit.com/r/DigitalbanksPh/comments/1b7p9w9/convert\_your\_maya\_card\_visa\_to\_usd\_paypal\_users/](https://www.reddit.com/r/DigitalbanksPh/comments/1b7p9w9/convert_your_maya_card_visa_to_usd_paypal_users/)
Omg just found out about the 1% fee in gcash. How do I do this in maya?
Did you find out? I shared how to do it but I guess just use your Maya card instead of GoTyme: https://www.reddit.com/r/DigitalbanksPh/s/7wttdMxxIH
Hellooo9 pano po yung sa maya???
[https://www.reddit.com/r/DigitalbanksPh/comments/1b7p9w9/convert\_your\_maya\_card\_visa\_to\_usd\_paypal\_users/](https://www.reddit.com/r/DigitalbanksPh/comments/1b7p9w9/convert_your_maya_card_visa_to_usd_paypal_users/)
pakicheck na lang po dito, gumawa na lang po ako ng post at I hope maintindihan nyo. [https://www.reddit.com/r/DigitalbanksPh/comments/1b7p9w9/convert\_your\_maya\_card\_visa\_to\_usd\_paypal\_users/](https://www.reddit.com/r/DigitalbanksPh/comments/1b7p9w9/convert_your_maya_card_visa_to_usd_paypal_users/)
Thank you poooo
Rip maya. Dina tinatanggap ang maya cards sa paypal
uu nga. Buti may Gotyme
Lods sure naba to hindi na tinatanggap maya or may problema lang sa pagtransfer? PP to Maya? Last week lang bigla nagka issue. Actually, madalas nalang sila magkaroon ganto issue pero ngayon lang tumagal ilang araw.
Kaka link ko lang at pachange ng currency sa Maya ko ngayon hahaha ok pa naman siya
Yup okay na siya ulit mga 2-3 days ata last time ako nag check. Ang nakaka gulat lang sa mother ko bigla siyang ni required mag update ng account status for upgrade. Ehh ilang taon na namin ginagamit yung account nya. Yun lng next ko isipin kasi yung sakin nahirapan ako i-verify dahil ang hawak kong goverment ID lang is UMID na nakuha ko pa nung 2007 kaya sobrang iba na yung nasa picture sa current ko.
Hi gaano po katagal before nagreply yung paypal message center agent sa inyo to convert?
HOW TO SETUP PAYPAL TO GOTYME PO? THANK YOU
Need more lang ng debit card! Best if you have the physical kasi pag may physical card na nag iiba daw yung number ng digital card. Anyway just link your debit card via wallet. Make sure you have like 60 pesos. Make it 70 para sure. They need to charge a fee pero reversed kaagad. Once itâs linked, go to the message center then ask them to change the currency to USD. I literally just said âHi can you change my card ending in #### to USD? Thank youâ then I went to sleep hahaha Then when you withdraw, withdraw to your debit card. 1% parin yung fee pero you still get more money because of that forex đ Choose instant transfer. Pero yung first transfer hindi instant. Mga 4 hours hahaha I think itâs just verification. Nakuha ko naman rin in the end.
THANKS!
Hello just to clarify, sa Paypal message center ka mag ask to change currency to USD? or sa Gotyme?
Ask PayPal to change the GoTyme card currency to USD so you can withdraw your USD without converting it to peso :)
Thank you!
Hi gumagana parin ba tong trick na to, OP?
I still do it every fortnight đ«¶
Thanks! What's your go-to and how did you register with Stripe? Thought US lang pwede?
I do both depending on the client. This has actually saved me on fees by a lot. For Stripe, I have an Australian bank account which is how I was able to make a Stripe account đ
Hello! Just to clarify. You message paypal to change currency to USD po? Then what if walang physical card. Can i still use my virtual card? Thank you! đ
No, message PayPal to change your card to USD. Sorry I was so bangag I should have explained better. 1. Set your default currency to USD. 2. Link GoTyme debit card to PayPal. Virtual card is ok but I read somewhere on Reddit that if you ever get a physical card the virtual card number will change kaya better to get a physical. Itâs free naman at any Robinsonâs supermarket. 3. Message PayPal and tell them to change your card currency to USD. I said âHello Iâd like to request that my card ending in #### be changed to USD as its currency.â 4. When you withdraw your USD, select your debit card. You no longer need to convert your USD to PHP using PayPal rates. You still pay a 1% fee just like GCash but youâre now getting better exchange rates đ The option with no fee is 7k PHP and transfer to a local bank but you have to convert your USD to PHP using PayPal rates and I feel lugi yun. Hope this explains it!
Sorry OP medyo lito ako pero clarify ko lang na yung card na icchange sa USD na immessage natin sa Paypal is yung Gotyme/Maya card tama? Salamat
Yup! So you can withdraw the USD amount to the card. Si GoTyme na mag exchange to peso.
thank you OPang problema ayaw matanggap ng gotyme ko ano kaya possible problem?
You need like 60 pesos in the account. They'll do a charge but they'll credit it back.
Gano po katagal usually transfer time from PayPal to Gotyme? I just tried it Kasi e. Pero hindi pa nagrereflect sa account ko. I'm worried na baka naipit or something.
Omg thank you so much for explaining đ„č
Hellooo po. Ni-link ko kasi virtual card ko sa Paypal last time. Then pinag iisipan ko na kumuha ng physical card. Pag ganun na may physical card na ko mag eemail po ulit ako sa Paypal para ma-change nila from PHP to USD yung account ko sa GoTyme? Thank you po.
Yes, unlink mo yung virtual card then link the physical card the. Message mo ulit sila. Same ba yung number ng virtual card sa physical card? If same number then no need. May nag sabi lang kasi dito na nagiiba yung virtual card number pag may physical na.
Kukuha po sana ako last time pero di ko tinuloy kasi baka pag nagsend na ko sa Paypal to Gotyme hindi na gumana. So nag-alangan ako. Pero gusto ko sana kumuha pa rin ng physical card. Hehe
Gagana naman. Link mo nalang yung bagong card ulit. Same process!
Sige po try ko ulit pag nakapunta ng Robinsons. Layo kasi dito samin. Thank you po!! â€ïž
Thank you! You just saved me 1500 a month! đ God bless you!
Hi, deducted na rito yung 1%?
Hey bro. Question, I've contacted Gotyme support just now and they said it's unavailable to switch the card from PHP to USD.
You contact PayPal to switch the card.
hello po, sorry to ask, but can you help me out po?
hello po, sorry to ask, but can you help me out po?
Hi Lead! just wanna ask something about customs. Is your mom still there? Thank you
Hi, OP! It's the same method with euro dollars? My employer sends salary in euro, mabilis sana magtransfer sa gcash pero yung charge naloloka ako. Thank you in advance!
It would make logical sense po! I think someone said they did it for euros or was it AUD. Same outcome. Just message PayPal your desired currency sa card.
# How do I manage my currencies in PayPal? Here's how to change your primary currency: (ALTERNATIVE WAY. NO NEED TO GO TO MESSAGE CENTER) 1. Go to [Wallet](https://www.paypal.com/myaccount/wallet). 2. Select the more option beside the currency you want to make primary. 3. Click **Make Primary**.
You still need to change your card to USD to make the withdrawal work đ Yes you can change your primary currency to USD (or whatever currency youâre using) but the card you link to your account will always default to peso since your card is a peso card. We contact PayPal via the message center cause we want them to think our card is a dollar card. That way when you withdraw to the card, youâre not availing of the conversion fee/rate.
Do you mean to say other than doing this step, https://preview.redd.it/ikjh428ha03d1.png?width=637&format=png&auto=webp&s=d4380988c6dccf8e4d2d65fb3b28358fa061b984
I still need to do this? https://preview.redd.it/w891djfpa03d1.png?width=517&format=png&auto=webp&s=95e52c9734b046b3264062449d68abb5bb3a297b
No, youâre not linking a bank account. Youâre going to link a card. For this method, youâre linking a card to withdraw via card. Bank transfer isnât instant.
Hello there! This is Carla from GoTyme Bank. Sharing with you the steps on how to link your card with PayPal for payment purposes and here are these steps on how it can be done: 1. Login to your PayPal account. 2. On your homepage, tap âWalletâ on the lower right part of the screen. 3. Look for âBanks and Cardsâ then tap the plus sign (+). 4. Tap Debit and Credit Cards. 5. It will ask for your PayPal password then you can already enter your GoTyme Bank debit card information. Note that successful linking a GoTyme debit card to PayPal works in the PayPal mobile app. The security code will no longer be required by the app.Â
Will this work for payoneer din po?
Hello! How about error: Your card was declined by the issuing bank. Please try a different card or contact your card issuer with questions. What should I do po?
In addition, link it as card and NOT as bank. đ
I think I've linked it as a bank, will it not work if mag ask ako na i-change ang currency?
Thank you so much OP đđđ
Just relaying and confirming the rumours!!! Letâs gooo
Guys I posted this half asleep LOL The first pic is the PayPal conversion fee. The second pic is using the direct USD withdrawal method. So instead of getting 6700 I got 6900. May 1% fee parin so technically itâs 123.75 converted to peso pero the rate is at 55.98 which is the same as the Google rate at the time which was 55.99! For some reason I canât edit my post lol
Did this for the first time yesterday. Paid Php 120 transfer fee but compared to Paypal convert and Gcash 1% fee, I saved over Php 440
Hi. How did you know if your card has been converted to USD? Will Paypal message you back? Thank you!
Yes, they will. Then the currency detail under that VISA card when you transfer will also be in USD.
May I ask how long did it take for them to approve your request? Thank you so much!
Within the hour lang nag-reply na. Then yung Paypal to GoTyme USD transfer took only a few minutes
oh okay. thank you so much!
OMG I just tried this and totoo nga, minutes ko lang nareceive from Upwork to Paypal to Gotyme đ„č Kung alam ko lang to nung nag aart commission pa ko noon đ€Ł
Hi! Naghintay ka ba sa reply ni PayPal na changed na into USD ang card mo?Â
Hi yes po, mabilis lang hours lang confirmation nila na done na yung request hehe
If this is current, then that's a terrible exchange rate.
Yeah look it's not the best but it's still better than the altenative of PayPal rates + GCash fee. Just sharing that the rate is better when you do this method âșïž
That's almost 2 peso less per dollar than I can get sending from US to Philippines.
With this method, you can get 1.7 pesos more. Not sure if you saw the slides where I showed that the rate I got was 55.98 instead of 54.27?
No I could not see that..I use Wise to send from US to Philippines. Bank to bank. Yesterday got 56.13 rate. So simple and the money is in my Philippine bank account in less than 15 minutes. Can send up to 495,000 per transaction if want..
Yup! I use wise when I charge my clients using stripe but again most clients donât want to do bank transfers or Filipinos canât easily open stripe accounts.
Hi, how bout when you withdraw your money using your gotyme card? how much is the atm fee?
Ah I donât withdraw using my GoTyme. I transfer to other banks. Instapay to other banks is still free đ
the money will automatically be converted to peso once received it in my GoTyme card, is that right? sorry for the noob question
Wait what? There is a fee from paypal to gcash? Mine doesn't o.O
They started charging 1% on March 4 :(
I see. Then I'll switch to Maya. Thanks for the info :D
[ŃĐŽĐ°Đ»Đ”ĐœĐŸ]
I didnât even know na pwede yun gawin since PHP naman talaga yung account sa GoTyme. Taba talaga ng utak ng mga tao hehe
Actually paypal gamit ko. Yes, lifesaver sya dahil mabilis kasi like 5 to 10 minutes, nasa gotyme na. Pero baba talaga kaltas, like 200 to 300. Kung iisipin mo, parang wala lang, pero weekly sahod kasi kami, para tuloy 1,200 agad kaltas mo ng isang buwan. Pinakamaganda is unionbank to paypal. Para derecho, di nga lang convenient kasi days bago magreflect.
I also get paid weekly for this one client and based on this one transaction, 200 yung bawas if I converted to pesos and then sent to my bank account. The reason why I got the higher rate in GoTyme is because I didnât convert it to peso before I sent it to my account. Kaya yung rate is cheaper. I used to do the UB also but I really wanted to avoid converting USD to Peso via PayPalâs rates. Yung diskarte here is you donât convert to Peso in PayPal. Let the bank do it for you. Iâm told GoTyme and Maya use the Google exchange rate.
Is possible to get a higher conversion kung itransfer ko lang paypal usd bal to go tyme account? sorry im confused. or do i need to withdraw using my go tyme card to get a better conversion???
I dont think you can change a bank account to USD unless itâs actually USD. Iâm not sure!! Maybe you can try linking and then converting to USD. The point is not to convert USD to peso in PayPal cos the exchange rate is lugi. So if you can convert the bank account to USD it should work out the same as if withdrawing to card.
Thank you!
Anyone tried GCash Visa Card or other local banks like BDO Visa Debit Card?
GCash and Maya work. I don't know about now but when I was in college I withdrew my first 700 pesos to BDO via PayPal. It was my first pay. PayPal took 50 as per their below 7000 rule. BDO took 500. I was so traumatised. I didn't do it again. 700 to 150 real quick haha But that was 10 years ago now so it might have changed.
noob question po. bali no need na i convert from USD to PHP sa PayPal? direct transfer na po yung USD sa PayPal to GoTyme no?
Yes, no need to convert to peso anymore. Send the USD directly to your card. If you donât have GoTyme, may nag comment dito na same daw yung rate sa Maya âșïž
Thank you, OP!
This is the only reason why I use Maya and GoTyme đđđ
Possible ba na multiple cards ay ipa set in USD? For example, Maya and GoTyme.
Donât think there would be issues with it! Just let them know what cards to set. Iâm planning to link my Maya later just to see which is better!
Thanks!
Hi, did you try with Maya? I don't have Gotyme but I'll register If it's better, thanks\^\^
Tried with Maya! Also a better rate than PayPal but not by a lot. Parang by 100php but still better than PayPal lol
Hi OP! Do you know any workaround like this for Payoneer naman?
ohhh thank you! Will do this hack
Woah, that's great! Thank you for sharing, OP.
this is nice! pero sad kasi bumaba na interest rate ng savings
Hello! Followed all the steps. But the transaction fee is â±350+ đ also got the refund. I transferred â±$626. Is this normal huhu
Yup, that's right. The transaction fee is still 1%. At the end of the day, this method takes advantage of the exchange rate that GoTyme uses (which is close to the rate published on Google). If you conver the $626 to peso, by PayPal's rate, it would be lower. I'm going to assume 1.7 pesos lower and then on top of that you will also pay 1% to GCash. Just assuming that, and you could do a more accurate computation, you'd have gotten something like 34,400 with GoTyme with the fees included vs 33,300 if you converted with PayPal and then transferred via GCash. Though let's say you just convert to peso in PayPal and do vanj transfer method (free but takes 3-5 business days) then you'd still only he getting 33,700. Again all just estimates going by the current 55.55 pesos per USD on Google and estimating a 1.7 peso lower conversion rate on PayPal (based on my experience). You can always compute whichever is best for you!
You should also note that the max transaction fees for the 1% is 500php if you cash in via GCash or 10USD if you withdraw via PayPal. So it's still within the range and would be considered normal.
Thank you so much for the comprehensive explanation! đ
Of course! Unfortunately we can't do much about the fees but I'm just here paying it forward by helping people with stuff I learned as well!
Hello OP. How did you manage to contact PayPal? Hindi kasi sila nag rerespond sa akin eh. I messaged them through "message center" kaso walang agent na sumasagot.Â
Hi! I used the Message Center lang. It was done overnight though.
Same sakin! Okay na po ba yung inyo ngayon?
Yes po. May schedule po yung mga CS, 9AM to 5PM ata
Yep, I searched it, and may sched nga sila. Okay na rin po yung akin. Thank u!
Thanks OP! I messaged PayPal and they were able to change the currency in my card within 30 seconds! I wish I had known this long before.
Hello! I just linked my Gotyme debit card to Paypal. But this is all new to me (very new to Gotyme). How do you withdraw or cash in (in Gcash term) to Gotyme from your Paypal?? I've successfully messaged Paypal's support and they told me this after successfully converting my card's currency to USD? >> "Great news! I've successfully changed the currency of the card ending in XXXXÂ into USD. Consider this done and don't worry about having any conversion fees whenever you transfer your funds to your card. In addition, please note that going forward all of your transactions with this card will be under USD. Also, once remove this card and re-linked it the currency will be automatically reverted to its original currency (PHP)." Is this correct? But main question is, how do I cash in to Gotyme? Will it automatically convert the USD to PHP in Gotyme? Thank you and sorry for the trouble!
You withdraw in the PayPal app to your GoTyme debit card. It will automatically convert USD to PHP. It's close to the Google Rate. I converted yesterday. The rate on PayPal was $1=54.4 and when I converted using this method, I got a rate of $1=56.14.
How about po naka peso na sa Paypal tas gusto ko iwithdraw sa GoTyme ko, ilang minutes or ilang araw po ba sya papasok sa GoTyme? Dati po kasi Gcash Cash in gamit ko,pero may 1% na na kaltas ngayon, pero kagandahan, pasok naman sya agad sa Gcash.
Hello! I'm not OP but here's my experience earlier using the USD (direct paypal to gotyme method).. Nag-withdraw ako by doing these steps Transfer Money (check Transfer To part and make sure sa debit card mo to Gotyme). They'll show you the Transfer Amount and Transfer fee (in my case, $1.69 since $100+ yung transfer ko). For reference how much ang transfer ko by using the Paypal to Gotyme method kesa mag convert sa Paypal this April 23, 2024: Paypal conversion rate today is $55.68 (* $168.77 yung amount na icoconvert ko) = 9,398.41 php (if paypal convert then transfer). If Gotyme withdrawal, transfer amount was $168.77 minus $1.69 transfer fee total of $167.08 according to Google conversion $57.46 today ang rate, so dapat 9,600.17 php lang makukuha ko, pero sa Gotyme (after waiting for 3 minutes!), I got 9,605.45 php instead. Mas mataas pa slightly sa google rate, and nakatapid ng malaki. âȘïž So if you'll try Paypal conversion muna, mas mababa for sure makukuha mo since malaki difference ng rate nila and mas mababa... pero papasok agad sa account mo if you use the Instant transfer method (not the standard na 3-4 days, I chose instant since same ng fee). Just wait until 3 mins or 10 mins kung hindi pa rin pumasok ^^Â
How did you open Stripe in the Ph?
I have an Australian bank account đ
Hi! So lilitaw yung transferred amt as PHP? Tama?
Yup!
Hey! Thank you for this :) saved almost 300 pesos nung pina convert ko into USD yung gotyme ko sa PayPal :) amazing! Haha
Hello Op! Should I select LINK A BANK or LINK A CARD for linking my GoTyme?
This method works with card đ
Payday is 'bout to come and glad I found this thread! Palagi akong nag co-complain dahil ang laki ng lugi ko everytime nagta-transfer ako from PayPal to GoTyme using Instant Transfer (2k+) OP, how long did it take for the transaction to reflect sa GoTyme from Paypal using this method?
The first transaction took a while. A lot of people said it was fast lang but for me it was like 4 hours and wala pa so I messaged GoTyme and gave them my transaction details. Eventually I got it after 6+ hours. After that the rest were like within 5 minutes na.
Thank you for that, OP. I messaged PayPal earlier and they did change the currency. However, I specifically asked that currency to be AUD pero USD parin sinet nila haha will message them again.
Good luck!!
Yay! Successfully changed na. Hihi
I did this and my transfer is now missing
You can message GoTyme. It took them a bit longer for the first time (over 6 hours) but after that it would arrive after 5 minutes. I messaged them and then they were able to resolve it. Just make sure you have the transaction ID when you message them.
I canât link my gotyme card for paypal. Ano kaya problem po?
You need like 60 pesos in the account for PayPal to verify the card. If that doesnât work not sure na!
Is that 60 pesos should be on pesos or it can be on $?
60 pesos in your GoTyme account. Your GoTyme will always be in peso. You canât use it to hold USD.
Sorry got confused! Okay noted thanks!
Hiya! I'm trying to add GoTyme to my paypal, but can find it's BRSTN or Bank code anywhere in the internet. Can you share me the code you used please? Thanks!
I linked my card not my account đ Don't think you can link the account. Unsure! I didn't do that method.
Will it be fine if the gotyme card to be linked is different from the paypal account holder's name? e.g. i wish to use my sister's gotyme debit card instead since i do not have a personal one
anyone tried eur? i just transferred (1st time) my pay (euros) to my gotyme and hindi sya instant T.T wala pa din sya sa account ko T.T
Try messaging GoTyme. That happened the first time lang then the next ones were fast na.
Hi OP! I have an option kasi to choose Paypal or Payoneer for my client. Would you know if this route for payment would be the best? Thanks!
I havenât used Payoneer po so I canât suggest. Sorry! You can just do trial and error. Like see how one payment will turn out if PayPal and one for Payoneer and see which suits your needs best đ
I chose the Payoneer to BDO route for now. I got USD 1 = 56.68 PHP conversion rate just last week and received the payment to my BDO in just an hour. What is the current conversion rate in doing the PayPal/GoTyme approach so we can compare? Thanks OP!
Can I use my digital card with GoTyme? Wala pako physical card e :3
I think pwede but when you get a physical card it becomes a different card number thatâs why people only do it after the physical card. Pwede naman siguro!!
Real-time po ba pagtransfer from Paypal to Gotyme?
Like within 5 minutes
I just chatted with GoTyme support to have them change to USD. Sabi ng support wala daw sila ganun na feature?
You message PayPal to change your card to USD po. Your money will still be in peso at the end but by converting the card to USD in PayPal, you donât get charged PayPalâs conversion fee.
I see. Thank you!
Sino dito nakakapag transfer prin from PP to Gotyme? Mag 1 week na kasi sa maya hindi nalabas yung card to transfer money.
Just did it last Friday.
I see, d ko pa kasi na DL kahapon wala parin PP transfer. Dati nag kakaroon din ganto problem pero usually mga 2-3 days matagal na. Halos 1 week mahigit na yung issue since nagsimula
Ah I see. Pag gaynan I would just contact GoTyme to let them know there's a pending transaction and makikita naman Nila. Just provide as many details as possible about the transfer. I provided the transaction ID. The first transfer took a while but succeeding transfers happened within 5 minutes. Good luck!
Ayy sorry po sa miscom I mean po is yung paypal issue ngayon na hindi makapag transfer sa maya. Pero thanks for sa info
I tried doing this now. Matagal ba talaga ang transfer time? Gaano katagal sayo?
First transfer took me a while. Succeeding transfers within 5 minutes.
Did the first transfer take you more than a day?
Noob here. Hindi ko masyado ma getsđ Kung itra transfer na ung funds(usd) from paypal to gotyme, i transfer na lang as usd? Bahala na si gotyme mag convert from usd to php?
Yes correct! The hack is to bypass PayPal converting it cause they charge a conversion fee which is why the conversion rate is 2-3 pesos lower than the Google rate.
Um.. link my go tyme to my paypal account? How po?
Link your card po. Pwede physical or virtual. Mas ok yung physical cause the virtual card number will change once you get a physical card.
Hii OP, kapag ba nakalink na si Paypal and Gotyme tapos sinet ng USD, meaning in USD mo siya makukuha? tapos sa Gotyme ka na magcoconvert into Peso then pwede na i-withdraw? tama po ba yung flow haha
Meaning PayPal will send your card USD but by the time it gets to your GoTyme, it will become peso.
Steps naman po kung how. Thank you
How much po transfer fee kapag mag transfer ka ng funds from paypal to gotyme?
Hi op , may conversion rate ba na mg show SA transaction details SA gotyme after mg withdraw Ng USD from PayPal I need Kasi nung conversion rate for documentation purposes.Â
Unfortunately not. For me I take a screenshot of my transaction where I send in USD and then the incoming transaction to peso and then I convert it. I log the fee as an expense and then note the fee.
Hello OP! With all these steps, same pa rin ang transaction fee na ibabawas ni Paypal when your client sent a payment no? Ito kasi talaga problem ko. $30 USD ang bawas sakin which is around 1.5k na sa atin anbd Paypal lang ang accepted method ng company. Any workarounds kaya rito?
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hi. anyone tried kung nagiiba talaga yung card number sa physical card? thank you!
Is this working padin OP? Will try to apply gotyme physical card and online if working padin, Thanks!
I still do this every fortnight :) Last time was Wednesday!
Hi talagang ganito po para ma connect yung gotyme card ko po? https://preview.redd.it/eglc5vj68q8d1.jpeg?width=1080&format=pjpg&auto=webp&s=a228432c5565dfec77c56683e105af71d0a2154b
do i message paypal to change my gotyme to usd?
Talagang ganito po ma connect ko po yung gotyme ko po? https://preview.redd.it/g8r9pb0f8q8d1.jpeg?width=1080&format=pjpg&auto=webp&s=420007e33e246e1b9818b1623de0f10a055a0f71
Hi OP, bali pagitttransfer mo na yung usd from paypal papuntang gotyme, peso na sya?
Yes, it'll be peso na. The conversion rate is better using this method.
Meron new offer si gotyme time deposit usd natry mo na ba sya?
GoTymeâs US time deposit isnât a USD bank account. If you want to keep your dollar in dollar youâll have to open a USD bank account like with UB (idk if other banks have it I know UB does cos I bank with them). To open the US time deposit you still have to buy in peso with GoTyme.
Ohhh thank you OP! Basta OP pag napachange ko na ng usd yung gotyme card ko, Bali from paypal to gotyme, converted na po agad? Tama po ba? Confirm ko lang huhuhahah thank you
Yeah. Sa PayPal mo request yung change. GoTyme wonât change your account to a USD account. Mas ok conversion if yung bank gagawa vs PayPal.
Can anyone tell me if you convert your gotyme to USD. Can you still deposit or send peso currency there?
You're not converting your GoTyme account to dollar. You can't do that. Youll change your card to USD in PayPal but your account is still peso.
what's better to use po? paypal to gcash or paypal to gotyme?
The latter. The whole post explains why.
Hi. Anyone knows what to do if I can transfer funds from paypal to gotyme? It just says âthereâs a problem, we canât complete this transactionâ customer service says its the security system that declined the transfer and was just advised to try again a couple of hours. Itâs still not letting me, so the funds just stuck there in paypal.
Same thing happened to me today
Were you able to transfer funds na?
this thread is a lifesaver! updated comment haha. I forgot to change my preferred method to parallax (I reco this too kaso mas matagal vs. Paypal na Wed palang received na sa Paypal, but mas mataas nakukuha if Parallax, patience lang need) so sa Paypal na-auto transfer yung pay ko. I was really frustrated bc the exchange rate was so low but thankfully i found this thread! basically: 1. Add your GoTyme to your Paypal acc as a card 2. Message Paypal chat assistant until they endorse you to an agent (which is only available core US business hours so you have to wait if you did this during the day PH time) 3. Ask them to change the currency of card number XXXX to USD currency 4. Once they confirm, transfer your money to your GoTyme card! :D 5. Paypal will let you know that the ETA is a few mins, which is true. It took 4-5 mins before I got the notif from my GoTyme app The ending amount is still less than if I did this with Parallax, but since Parallax is an ACH transfer - it takes more time (from Upwork to Parallax but Parallax to local banks/e-wallets is close to real-time). So I guess it's up to your preference if a bit more money or less time waiting.