All about digital banking (ING, CIMB, KOMO, etc)

**jut703** · April 23rd, 2021 06:57 PM

Originally Posted by misseksaherada

Natanggap ko na ING debit card ko.. Ang sleek ng presentation, parang birthday greeting card / storybook..
Sa CIMB ang hirap ng conditions para magka-debit card.. Kailangan may Cash-In transactions [emoji28]..
Di ko pa nabasa if magkano fee nila sa inter bank transactions kapag mag-withdraw sa ibang bank atm machines.. Kung mahal, ok lang din backup bank lang for emergency..

How much is the interest of ING now vs CIMB?

I opened CIMB to park my emergency funds for the ease of transfer (via GCash) and the 4% interest rate.

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**misseksaherada** · April 23rd, 2021 07:09 PM

Originally Posted by jut703

How much is the interest of ING now vs CIMB?

I opened CIMB to park my emergency funds for the ease of transfer (via GCash) and the 4% interest rate.

Naka-4% din Sir Jut.. Naka-promo po kasi nung nag-open ako ng account.. 6 months 4% interest rate yung promo.. Mag-update ako pagka naka over 6 months na yung account ko kung may continuation yung promo or mag-baba na sila sa 4% interest rate.

**jut703** · April 23rd, 2021 07:17 PM

Originally Posted by misseksaherada

Naka-4% din Sir Jut.. Naka-promo po kasi nung nag-open ako ng account.. 6 months 4% interest rate yung promo.. Mag-update ako pagka naka over 6 months na yung account ko kung may continuation yung promo or mag-baba na sila sa 4% interest rate.

Good thing Tonik opened and offered 6% interest, so now ING and CIMB have to maintain their 4% to stay competitive.

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**misseksaherada** · April 23rd, 2021 07:24 PM

Originally Posted by jut703

Good thing Tonik opened and offered 6% interest, so now ING and CIMB have to maintain their 4% to stay competitive.

Yan po next kong itatanong kung meron na po naka-try dito ng Tonik.. Nakapag-open na rin po ba kayo sa Tonik, Sir Jut?
Oks na ako ING and CIMB.. Ta try ko naman sana yung Tonik..

**jut703** · April 23rd, 2021 07:27 PM

Originally Posted by misseksaherada

Yan po next kong itatanong kung meron na po naka-try dito ng Tonik.. Nakapag-open na rin po ba kayo sa Tonik, Sir Jut?
Oks na ako ING and CIMB.. Ta try ko naman sana yung Tonik..

Nope, emergency funds lang naman nasa bank ko, I don’t see the point of over-diversifying. Most other money is invested elsewhere (mostly stocks).

And since emergency funds yung nasa digital bank ko, it needs to be liquid and can be withdrawn anytime. The 6% interest requires a 6-month holding period so it doesn’t match my purpose.

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**akosijhay** · April 23rd, 2021 07:28 PM

Originally Posted by misseksaherada

Sa CIMB ang hirap ng conditions para magka-debit card.. Kailangan may Cash-In transactions [emoji28]..
Di ko pa nabasa if magkano fee nila sa inter bank transactions kapag mag-withdraw sa ibang bank atm machines.. Kung mahal, ok lang din backup bank lang for emergency..

Re: CIMB, nag increase sila ng required amount sa account para mabigyan ka ng debit card Miss Eks. Dating 5,000 pesos, ngayon dapat 100k na laman bago sila mag issue ng debit card?

**misseksaherada** · April 23rd, 2021 07:38 PM

Originally Posted by jut703

Nope, not too keen on testing an unknown bank for an extra 2%.

Emergency funds lang naman nasa bank ko. Most other money is invested elsewhere (mostly stocks).

Yun yung wala ako.. Yung pure stocks.. Nag check ako ng GInvest sa GCash.. Di ko naman maintindihan.. [emoji24]
Naguguluhan na ako kasi sa banks inaalok din ako.. Sinula kasi nung kumuha ako ng Sun Felexlink1 sa Sunlife tapos kapag chinicheck ko minsan wala naman kinikita.. Eh more than 5 years ago na yun.. Lugi pa nga kasi binawasan pa nila ng 5K+ agad pag-open nung policy as Service Charge.. Naka dalawang policy pa ako na kinuha.. Same lang walang kinita..
May ma suggest ba kayo Sir Jut na panimula lang for me to invest.. Yung madali ko lang magets.. [emoji23][emoji23][emoji23] Mas ok sana yung meron mobile app..

**misseksaherada** · April 23rd, 2021 07:48 PM

Originally Posted by akosijhay

Re: CIMB, nag increase sila ng required amount sa account para mabigyan ka ng debit card Miss Eks. Dating 5,000 pesos, ngayon dapat 100k na laman bago sila mag issue ng debit card?

Kahit may 100K ka na.. Kelangan meron pa din equivalent na 100K Cash-In transactions.. Yung GCash > GSave hindi sya considered as Cash-In [emoji58]..
May dalawang klase pa ng Cash In, Over the Counter at Online via DragonPay.. Hindi naman ako gumagamit ng DragonPay.. Kaya mag-over the counter pa siguro ako.. Napansin ko lang, mas gusto ko customer support ng ING VS. CIMB.. Sa ING App mismo andun yung exchange ng messages..

EDIT: Sir Jhay, MALI / VERY WORNG yung mga sinabi ko.. [emoji28] Kung hindi mo pa naitanong hindi ko i-check yung previous inquiry ko sa kanila.. Nag-reply na pala yung Customer Care nila and nasa mismong app lang din pala.. User error yung pinagsasabi ko sa taas.. [emoji1787] Same lang sila ng ING (very good [emoji1303])
To answer kung paano magka-CIMB debit card ito yung sagot.. Kailangan pala magkaroon/mag-open ng FAST Account or Fast Plus Account sa kanila.

**jut703** · April 23rd, 2021 08:02 PM

Originally Posted by misseksaherada

Yun yung wala ako.. Yung pure stocks.. Nag check ako ng GInvest sa GCash.. Di ko naman maintindihan.. [emoji24]
Naguguluhan na ako kasi sa banks inaalok din ako.. Sinula kasi nung kumuha ako ng Sun Felexlink1 sa Sunlife tapos kapag chinicheck ko minsan wala naman kinikita.. Eh more than 5 years ago na yun.. Lugi pa nga kasi binawasan pa nila ng 5K+ agad pag-open nung policy as Service Charge.. Naka dalawang policy pa ako na kinuha.. Same lang walang kinita..
May ma suggest ba kayo Sir Jut na panimula lang for me to invest.. Yung madali ko lang magets.. [emoji23][emoji23][emoji23] Mas ok sana yung meron mobile app..

If you have time, you can listen/watch this video on GInvest.

1-04 PRO Edition: G-Invest GCash brings Investing to All! ? - YouTube

In general, GInvest’s offerings are at par with what local banks offer. What I like with them though are their Global Feeder Funds - I’ll personally be investing in ATRAM Global Consumer Trends Feeder Fund. It’s an actively managed fund, with investments in global companies. Pretty high management fees (3%) but worth a shot for diversification.

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**akosijhay** · April 23rd, 2021 08:02 PM

Originally Posted by misseksaherada

Kahit may 100K ka na.. Kelangan meron pa din equivalent na 100K Cash-In transactions.. Yung GCash > GSave hindi sya considered as Cash-In [emoji58]..
May dalawang klase pa ng Cash In, Over the Counter at Online via DragonPay.. Hindi naman ako gumagamit ng DragonPay.. Kaya mag-over the counter pa siguro ako.. Napansin ko lang, mas gusto ko customer support ng ING VS. CIMB.. Sa ING App mismo andun yung exchange ng messages..

Hindi ko alam na may equivalent 100k Cash-In transactions pala na requirement ngayon. Buti nalang naka abot pa ko dun sa dati nilang requirement hehe. Thank you sa update, MissEks.

Di ko rin gusto ang UI ni CIMB kung ikukumpara sa KOMO. Nababagalan din ako sa response ng app nila. Buti nalang at may 4% interest promo si CIMB hehe.