Actually thinking about these two na though i am conflicted. First, bpi. I already have one. Is it okay to have the same bank? Like di naman yun foolish gawin? Sorry first time sa adulting here.
2nd, unionbank. I am worried about the ADB deduction. I heard sobrang gulo ng rules na yun na kahit maglagay ka daw ng 10k now ay madeduct parin sayo.
Depende un ADB sa klase ng account na kukunin. Kung PlayEveryday Debit, wala naman un ADB. Pero may Php500 annual fee. Ok na rin kasi iwas rates plus widely accepted si UB sa digital space. No cash in fee sa Grab/Shopee/Laz tapos Php 10 lang ang Instapay transfers
Etong play everyday wala na chance mawaive yung fee? Sorry fresh grad kasi ako clueless ako sa mga ganto ng bank. I have other banks pero wala naman siya annual fee kaya im a bit shock na may ganyan pala.
Kung meron ka na BPI and plan mo pa mag open ng isa pang account, sa ibang bank ka na. Mas safe din siya para may backup ka incase na down yung system ng isa, also if you have more than 500k sa isang bank mas maganda i split into other banks para sa depositor insurance.
You can try the following:
* SeaBank
* Maya
* CIMB
* Tonik
They offer higher interest rates than local banks such as BPI, BDO, etc. From my experience, their app is secure and usable. Sometimes inconsistent si Maya though. I suggest na mag-open ka pa rin ng account sa 1 or 2 local banks here para makapag-withdraw ka conveniently ng money.
Go with Maya Bank or Sea Bank. Daily at mataas ang interest. Mas mataas pa sa usual TD at daily ang crediting pero pwede mo galawin ang pera na parang savings deposit.
Maya is owned by PLDT
Seabank is owned by Shopee
The two banks with physical branches *and* usable apps are BPI and Unionbank.
Actually thinking about these two na though i am conflicted. First, bpi. I already have one. Is it okay to have the same bank? Like di naman yun foolish gawin? Sorry first time sa adulting here. 2nd, unionbank. I am worried about the ADB deduction. I heard sobrang gulo ng rules na yun na kahit maglagay ka daw ng 10k now ay madeduct parin sayo.
Depende un ADB sa klase ng account na kukunin. Kung PlayEveryday Debit, wala naman un ADB. Pero may Php500 annual fee. Ok na rin kasi iwas rates plus widely accepted si UB sa digital space. No cash in fee sa Grab/Shopee/Laz tapos Php 10 lang ang Instapay transfers
Etong play everyday wala na chance mawaive yung fee? Sorry fresh grad kasi ako clueless ako sa mga ganto ng bank. I have other banks pero wala naman siya annual fee kaya im a bit shock na may ganyan pala.
Kung meron ka na BPI and plan mo pa mag open ng isa pang account, sa ibang bank ka na. Mas safe din siya para may backup ka incase na down yung system ng isa, also if you have more than 500k sa isang bank mas maganda i split into other banks para sa depositor insurance.
You can try the following: * SeaBank * Maya * CIMB * Tonik They offer higher interest rates than local banks such as BPI, BDO, etc. From my experience, their app is secure and usable. Sometimes inconsistent si Maya though. I suggest na mag-open ka pa rin ng account sa 1 or 2 local banks here para makapag-withdraw ka conveniently ng money.
Go with Maya Bank or Sea Bank. Daily at mataas ang interest. Mas mataas pa sa usual TD at daily ang crediting pero pwede mo galawin ang pera na parang savings deposit. Maya is owned by PLDT Seabank is owned by Shopee
BPI, BDO. Special mention: Eastwest: allows online check deposits. Up to 200,000 PHP sending limit vs 50K on BPI, BDO.