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

**akosijhay** · September 2nd, 2020 12:34 PM

Hello gurus, question about these online digital banking na nau-uso ngayon. Compare to other banks, malaki ang interest rate per year nila compare to local banks kaya nakaka enganyo mag open ng account plus no minimum deposit amount required.

Concern ko lang is hindi kaya mahirap mag withdraw once na kailanganin ko?

So far eto ang promo/offer nila:

ING and KOMO - 3% interest rate per year
CIMB - 4% interest rate per year.

TIA!

**crazy_boy** · September 2nd, 2020 12:36 PM

Hindi naman. You only need to transfer the money to your brick and mortar bank account. Usually next day nasa account mo na money.

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**akosijhay** · September 2nd, 2020 01:15 PM

Originally Posted by crazy_boy

Hindi naman. You only need to transfer the money to your brick and mortar bank account. Usually next day nasa account mo na money.

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Thank you sir CB. Hesitant lang ako nung una kasi ang requirement is 1 valid ID lang compare sa local banks na ang dami hinihingi na requirements. Plus yung mas malaki na interest rate per annum na offer nila hehe kaya nagbabasa basa din muna ko.

**StockEngine** · September 2nd, 2020 01:50 PM

Inquire with them if they have instapay..

ING Philippines: Bank anytime, anywhere

**crazy_boy** · September 2nd, 2020 04:39 PM

Originally Posted by akosijhay

Thank you sir CB. Hesitant lang ako nung una kasi ang requirement is 1 valid ID lang compare sa local banks na ang dami hinihingi na requirements. Plus yung mas malaki na interest rate per annum na offer nila hehe kaya nagbabasa basa din muna ko.

Insured naman sila ng PDIC up to 500k. And under parin naman sila ng BSP

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**crazy_boy** · September 2nd, 2020 04:41 PM

Originally Posted by StockEngine

Inquire with them if they have instapay..

ING Philippines: Bank anytime, anywhere

Pesonet gamit nila

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**StockEngine** · September 2nd, 2020 04:52 PM

Originally Posted by crazy_boy

Pesonet gamit nila

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they're processing their inclusion with the instapay network..

**StockEngine** · October 10th, 2020 01:48 PM

Looks like BSP will be clamping down(maybe securing them as well) on Gcash and Paymaya

Bangko Sentral to lay down rules for ‘digital banks’ | ABS-CBN News

**misseksaherada** · December 19th, 2020 08:49 PM

Hindi ko pinansin dati yung post na ito.. this early December meron akong na-attendan sa company namin na free online program ni Chinkee Tan (paid by company).. then while listening sa entertaining class, open ang chatbox and people continuously exchange information about financial management.. dun lang ako nagka-interest to check out CIMB and ING.. sakto meron silang promotions and naalala ko yung mga posts na nabasa ko dito sa Tsikot.. Nanghinayang ako na bakit hindi ako kaagad na-curious at nag-reasearch before eh matagal ko na sya nabasa sa Tsikot (as usual nauna ko na naman nalaman sa Tsikot yung information.. like sa Typhoon Ulysses na mala-Ondoy atbp..).. Anyway, another life changing na naman na effect sakin ng Tsikot community.. Meron na din ako account sa CIMB (through G-Cash Save) and ING..

**misseksaherada** · April 23rd, 2021 06:32 PM

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..