Selected Banco De Oro (BDO) Branches open during the holidays

Selected BDO branches will be open to serve its customers from December 24 - January 4, 2014, please be guided with the following:

• December 24, 26, 30 and 31 – Shortened hours for selected branches
• December 25 and January 1, 2015 – All branches are closed
• December 27 and 28 – Regular banking day for weekend banking branches
• December 29 – Regular banking day for ALL branches
• January 2, 2015 – Shortened banking days for weekend banking branches
• January 3-4, 2015 – Regular banking day for weekend banking branches

BDO Mall branches will be open until 3:00 PM on 24th, and 5:00 PM on the 26th of December, while the other branches will be open until 1:00 PM on the 24th and 3:00 PM on the 26th of December.

Please check this out for more details: BDO Holiday 2014 Schedule

Read more »

Bank warns public about the ATM scam

Bank of the Philippine Islands has warned their depositors regarding the scam involving their automated teller machines in Paranaque City.

Two depositors lost thousands of pesos because of multiple transactions on different locations. There are also specific machines in Paranaque which had the same experience, one in BF Homes and Presidents Avenue.

BPI promised to return the money of their depositors, however it is advised to do the following tips when transacting via ATM:

* Pins should be changed regularly
* Withdraw on secure ATM locations or trusted sites.
* Depositors must cover with their hand while key-in their PIN.

With reference: https://anc.yahoo.com/news/bpi-clients-warned-vs--atm-scam-140258336.html

Read more »

BPI ATMs, EPS unavailable

On Monday evening at around 7PM, BPI via their twitter account (@talktobpi) that their ATM and EPS services are unavailable.

BPI‏@TalktoBPI1h

Our ATM and EPS systems are currently unavailable. We apologize for the inconvenience and shall post an update once services are restored.

 

BPI representatives had advised the public to use other banks atms for their transactions, however, some noted that they cannot access their accounts through the banks.

Update:
Lois Calderon‏@Lois_Calderon21m

BPI head of Corp.Communication Rita Canchela says ATM problem has been fixed.Most ATMs back online,all should be up and running by midnight.

 

Read more »

Suze Orman on ANC

Suze Orman, a financial adviser and author came back to the Philippines just recently, if you haven't had the opportunity to see her live, here is her interview with Karen Davila for ANC Headstart:

   

(c) ANC Alerts on Youtube

Read more »

Great News for My EPrepaid Card Holders

 

 

Just in case you don't know, you can now load and shop up to 100,000 using your My ePrepaid card with the help of BPI's Channels: Express Online, Express Mobile and going through the banks (BPI/BPI Family) to load your account.

 

 

Click here to: Like them on Facebook

Read more »

Unionbank to charge Php10 for EON card withdrawals

 

 

Effective June 1, 2013, all EON ATM withdrawals will be charged of P 10 by UnionBank of the Philippines. The announcement, made by the bank through their Facebook site drew flak from its current customers who are relying to EON card to withdraw money from Paypal.

 



Read more »

Of Debit, Prepaid & Cash Cards: A Guide to What You Should Pick

Debit Cards from major banks here in the Philippines have been on a boom especially for people who wants to control their spending. If you are confused on what debit card you should get, here is a rundown of the basics of what you should know:

BPI MY E-PREPAID CARD:

 

 

The 100% approval BPI My E-Prepaid comes in two colors: Azure and Indigo

Card Processing Fee: P 500

Validity: 2 years

Loading Limit: 10,000/day

It can be used to verify your Paypal account and buy at online stores (iTunes, Amazon)

 

Note:

This cannot be used with ATMs, you use it like a credit card.

You would actually benefit from this when you have a BPI Express Online account.

For more info: Click here 

METROBANK PREPAID CARD:

 

 

Unfortunately, when you look at their website, there aren't much information on their new Metrobank Prepaid Card, but then searching for PinoyExchange.com here are some fast facts about Metrobank's newest product: http://www.pinoyexchange.com/forums/showthread.php?t=36696&page=24

 

Downside of this is the P 25.00 loading fee.

 

EASTWEST BANK PREPAID CARD

 

 

 

Enumerated below are the fees and charges related to the usage of the EastWest Prepaid Card

TYPE OF TRANSACTION	AMOUNT (Php)
Card Application Fee	Php 100.00
Card Replacement Fee	Php 100.00
PIN Regeneration Fee	Php 50.00
Over-The-Counter Load / Reload	FREE
ATM Balance Inquiry - Domestic	Php 1.00/transaction
ATM Balance Inquiry - International*	Php 45.00/transaction
ATM Withdrawal - EastWest Bank ATM	Php 10.00/transaction after 3rd transaction**
ATM Withdrawal - Other Bank ATM	Php 11.00/transaction
ATM Withdrawal - International VISA ATM*	Php 157.50/transaction

*	Subject to applicable fees and charges that may be imposed by the host bank.
**	For every one (1) calendar month period.

For more info: Click here

 

[to be updated]

 



 

 



Read more »

Tips to Protect Yourself from ATM Scams

News about international syndicates trying to copy data from your ATM card to steal money from your account have been all over the Metro lately, so here are some tips to protect yourself (and your hard-earned money) from those ATM scams.

(1) - Be alert
Upon reaching the ATM machine, make sure that no one would be peeping on you on your transaction, if you are uncomfortable, let them go first, complete your transaction by having everything intact. 

Check if there is something wrong with the ATM card reader - you would know if something's different, if found, do not pursue transaction.

(2) - Withdraw at a machine where a lot of people does
ATM machines are everywhere, but do your transaction on an ATM machine that is frequented at by depositors - ATM's at malls, outside of the banks, groceries and other public places. As much as possible, keep your

(3) -  Don't share your PINS.
You should keep your pin number to yourself and yourself alone, do not share it, even with your family and friends. 

(4) - Report captured card immediately
If in case that your card gets captured because of a device installed in the machine, report it immediately to your bank. 

News reports have shown that depositors withdrawing over the ATM have encountered their machine offlining during their transaction - as bad as it may sound, it does happen, so whenever you encounter this, relax, use your mobile phone and call your bank immediately.

(5) - Use internet to your advantage: apply for Online Banking and check account balance often.
Technology has brought the advancement of everything, even stealing money - so if you have the time, do apply for online banking for you to keep track of your transactions. You may never know how this culprits copy your data so it is better to be safe (than sorry).



 

Read more »

Know what you are charged with when using other ATMs

It is not all the time that we get to withdraw money on our home bank (the bank our card is registered with) so we as an ATM holder should know how much our bank charges if we withdraw in other ATMs.

Read more »

Nuffnang ATM for the Nuffnangers

 

 

If you want to cash out your blog's earnings easily, you may want to take advantage of what Nuffnang has been slowly launching: the Nuffnang PH ATM.

 

To avail of the ATM, visit any Security Bank Branch and fill up the necessary bank application forms:

 

Signing Instruction Form

Universal Specimen Signature Card

Cashlink Application & Maintenance Request Form

Cashcard Purchase Agreement

Once done, you can send them your forms (through mail) along with a photocopy of 2 valid IDs to this address:

Same Plotado
Senior Finance Executive
c/o Nuffnang Philippines
Unit 2E03-05, Building 5, Bonifacio High Street,
Bonifacio Global City, Taguig 1634

If you do have time, you can also visit them in their office.






Read more »

Money Resolutions for Starters (like me)

You may have come across a lot of Money Resolutions over the internet published to usher in the New Year (Happy New Year everyone)! So I would just give myself a summary of those resolutions by giving you my TOP 5 Money Resolutions for 2013.

1. PAY YOURSELF FIRST

Yes, during the Holiday Season you tend to overspend (it's also true for me I believe I overspent) but now that the holiday festivities are over (New Year has arise), you can start paying yourself first, save before you pay your bills, no matter how little or how big you start with as long as you do it regularly, you would see the growth ;)

2. KEEP TRACK OF YOUR EXPENSES

My mom taught me that I should start keeping track of my expenses, too bad I failed to do that during last year now I would say that I would be doing that with the help of my 2013 Handy Dandy Notebook. :) You should keep track of your expenses to see if you have overspent.

3. PASSBOOK SAVINGS WORK WELL

If you have the money, then go for a new passbook account than an ATM based savings account, trust me it is much less tempting to withdraw than to have it within your ATM card.

4. SAY NO TO CREDIT CARDS

It is not bad to have credit cards (yes there is a certain point at our lives that we really need it) but if you can say NO, then don't use your credit cards. If you can buy it in cash, then go ;) You will see the difference (like discounts!)

5. IF YOU CAN'T SAY NO, PAY ALL

If you can't really do away with using your credit cards, then make sure you can pay your balance in full every month.



Read more »

Verifying Paypal Account via BPI My E-Prepaid

The BPI My E-Prepaid Card, got it in Azure

It took me a long while to find the right card that can verify my Paypal account. Don't get me wrong, I had not yet intended to withdraw using my Paypal account but I needed one for those Pay-to-Click sites I had been using. I felt relieved when I first saw BPI My E-Prepaid.

To open a BPI My E-Prepaid account, you would need to go to a branch and wait for 5 days or it is best for you to do it online. (I did mine online and I got it in 2 weeks at my BPI branch because I stll had to finish some schoolwork ). You would have to present your purchase agreement and a fee worth 500 pesos to the section of your nominated branch that releases the card. Yes, the fee is 500 pesos for 2 years validity.

After acquiring the card, you can load it through the following (listed the convient ways)

1. If you have BPI Express Online account, you can register your BPI EPrepaid card to be able to receive Funds Transfer from your registered BPI, BPI Family Bank or BPI Direct Account.

2.You can load it through the Special Services section of your BPI Express Teller account, it works the same for BPI Express Cash.

3. You can also check out some branches availability of Cash Deposit Machines where you can insert notes (P 100, 500 and 1000 respectively)

For paypal verification, you should have loaded at least P 200 on your account. I had loaded P 300.00

After which, you can go to your Paypal Account:

1. Add your BPI My EPrepaid as a credit/debit card and the 3-digit CVC code at the back of your card to your PayPal account. Click on the Verify link to initiate the process.

2. After doing so, email myeprepaid@bpi.com.ph to get your Expuse Code. It took me the next day after emailing to get my expuse code. You would have to include your email and card number.

3. If you have registered your card with BPI Express Online, you can check it with the last 5 transactions on your portfolio.

4. Enter the EXPUSE code to be able to verify your account.

And that's about it, you may now enjoy your Paypal Account as it is verified.

Read more »

EastWest Bank Practical Mastercard

EastWest Practical MasterCard offers low monthly interest rate that suits for everyone. In purchasing items from supermarket, petrol, and drugstore, you will only have 2.75% interest a month and 3.49% interest from others.

Other exciting offers of EastWest Bank Practical MasterCard:

• Practical MasterCard is accepted worldwide.
• All bills and payments are transacted in Philippine peso.
• With rewards points. Earn 1 point for every 50 pesos spent using your Practical MasterCard. Gather your points as many as you can and use them to redeem fabulous products or services, discounts and more!

• Offers flexibility in paying for your membership fee. You have options to pay whether you will paying annually, semi-annually, quarterly, or monthly.
• <With lightest monthly payment, since, you will just be paying for your minimum payment due the amount equivalent to 3.5% of your total outstanding balance or 200 pesos, whichever is higher.
• Trouble-free Repayment conditions. You will have the alternative to pay the whole amount due, the least amount payment due, or any amount in amid on your payment due date.
• Cardholders are allowed to have cash advances up to 50% of their credit limit from any EastWest Bank Automated Teller Machine or over the counter transaction, or at any ATM with MasterCard and Cirrus logos. Unique cash advance personal identification number is being used here.
• Enjoy enormous savings and lighter monthly installment payments with the Balance Transfer Facility. Installment interest is as low as 0% on chosen products from merchant partners.
• Convert to installment feature. You will have options to exchange your high-tickets, shopping, travel expenses, and others to installment that are billed in 6, 12, 18 or 24 payment terms at a very low ad-on interest rate.
• Offers ease in paying your bills. Just sign up in Quick Bills Facility in order for you to experience trouble-free in paying your utility, telecommunication, and insurance bills. Since your bill will be automatically charge on your EastWest Practical MasterCard.
• Cardholders are permitted to have up to 9 supplementary cardholders to share their benefits and privileges with their loved ones.
• 24-Hour Customer Service for responding any of your inquiries and reports just like reporting your lost card and others. Just call +63 (2) 888-1700 or Toll-Free Hotline at 1-866-828-6296 for US.

Fees and Charges:

v     Annual membership fee for Silver Card and Gold Card are summarized below:

For Silver card:

• Annually – Php1000 (for principal); Php500 (for supplementary)
• Quarterly - Php250 (for principal); Php125 (for supplementary)
• Monthly - Php85 (for principal); Php42 (for supplementary)

For Gold card:

• Annually – Php2000 (for principal); Php1000 (for supplementary)
• Quarterly – Php500 (for principal); Php250 (for supplementary)
• Monthly – Php170 (for principal); Php85 (for supplementary)

• Finance charge – 2.75% monthly (for supermarket, drugstore and gasoline purchases). 3.49% monthly from other purchases.
• Cash Advance Service Fee – 5% of the amount
• Cash Advance Over-the-Counter Fee – Php100
• Late Payment Fee – 7.50% of the minimum payment due or Php300, whichever is higher
• Over Credit Limit Fee – Php500
• Returned Check Fee – Php500
• Retrieval Fee – Php200 (for retail/installment and mail-order/telephone-order charge slip) and  Php1,250 (for travel and leisure charge slip)
• Card Replacement Fee – Php200
• Foreign Currency Conversion Fee – 2.50%
• Installment Pre-Termination Processing Fee – 5% of the remaining principal balance or Php500, whichever is higher
• Closed Card Account Service Fee – cardholder shall make the proper agreement with EastWest Bank to accumulate the credit balance within three (3) months from the date when the Card Account is stopped. If delayed, EastWest Bank shall have the right in charging the cardholder an amount of 200 pesos as an accounts maintenance fee

Source: http://www.philippinecreditcards.net/?p=534

Read more »

The Conveniences of Online Banking

Online Banking does CONVENIENCE

With the conveniences of technology, gone are the days when you waste your time on banks for your transactions, online banking has helped made a difference. It is considered to be done faster, simple and secure and could be done anytime of the day.

The following are some of the transactions to which online banking has brought convenience for you:

1. Paying Bills
Your Globe Bills, your daughter's tuition fee or even donating to your chosen organization can be done through banking online. You just have to sign up your bill with your online banking profile by providing its account number and presto, as long as you have cash on your account, you can already pay your bill, no need to wait for those bills that might get lost in the mail.

2. Transferring Money from one Account to the Other
Whenever payroll comes, you would normally withdraw a certain amount of money to save and with online banking, you can do just that as long as both of your accounts are linked to your profile. As long as your account has been confirmed, you can transfer/deposit to your account anytime, even if it is after banking hours.

Interbanking transfers are still on the works though I believe only www.bancnetonline.com allows that.

3. Online Shopping
With your credit card or prepaid card like BPI My E-Prepaid, you can do online shopping. However, do remember that online shopping is a no-no if you are buying clothes/shoes, only do it for those which you do not have to fit. :) Online shopping also makes you see the trends without having to compete with so much people, especially when its on sale.

4. Reloading Prepaid Phones
Enroll your prepaid numbers within your online banking profile so you would just have to buy your load online and know that it would directly reach you. However, a bank only supports 1 to 2 mobile service providers so do check your banks out before enrolling your number.

5. Balance Inquiry
Online banking allows you to check your balance online, you would not have to run to your bank/ATM machine to check your balance. If you happen to be a businesswoman, you can see it in detail who paid you in your online banking portfolio.

Read more »

BDO imposes P 2 on cash card withdrawals

Starting September 1, for every BDO Cash Card Withdrawal there would be a P 2 charge on a BDO terminal. Earlier there were reports that all BDO accounts were subject to the P 2 charge fee which made a buzz throughout the internet.

This was clarified by Jaime Nasol, BDO Cash Management Services Head. In a statement released by BDO-Unibank, he clarified, "The 2 pesos fee will only be effective on withdrawals of clients using cash cards (or BDO Prepaid cards), similar to what other industry players are implementing. This is to partialy recover our cost on cash handling. BDO account holders are not affected by this development."
This offers a sigh of relief for those BDO regular account holders.

Read more »

BPI Easy Saver Savings Account: An Easier Way to Save Money

Being not a thrifty person, I was delighted to see the new savings account of BPI. I currently have a BPI Direct Account for my freelance work but since I didn't had that for almost 4 months, My account was literally zero.

So here is the solution to my non-thriftiness, just before I earned my own Payroll.

To Open An Account: P 200 initial deposit
Payment for the Card: P 50
No maintaining balance

Read more »

The Conveniences of Having a Prepaid Card for Starters

Applying for one is expensive at first but the perks are endless as you use it

For starters like me who earns through freelancing and a startup job, having prepaid mastercard is a blessing as we cannot afford yet to have a credit card approved.

Amongst my cards, my favorite is the BPI My EPrepaid card which I use to shop online. Since I am a fan of Archie Comics, I downloaded Comixology, a Comic Store App for my android tablet and bought Archie Comics there. I connected my BPI My EPrepaid card through my Google wallet and load it through my BPI Express Online account which is connected through my Savings and Payroll account. I realize that is way cheaper to buy through Comixology than those in National Bookstore so I stucked through it and besides I can read wherever I am.

I had also used my BPI card through purchasing songs online through MyMusicStore.com.ph, though I haven't tried it outside, it also works when you pay for group buying sites, movies, airfare and even through grocery shopping.

Why lug around cash when it is safe on your card? Get one now.

The blogger thinks that amongst the Prepaid VISA Mastercards available, it is best to get from a bank who can give you convenience, thus citing BPI My E-Prepaid as an example.

Read more »

Ticket America.com - Your Way to NASCAR, Kentucky Derby Horse Racing and Breeders Cup

If you are in America and you would like to secure the best seats on all the sporting events you can imagine, then you need to come across TicketAmerica.com (http://www.ticketamerica.com) so you can order events from their extensive inventory which ranges from NBA (Basketball), Breeders Cup, NASCAR (for those who love cars) and even Derby Horse Racing. After selecting the event from the inventory, you can choose the seat you would want that meets your needs and you can also start placing your order on a secure server.

For Tickets:

kentucky derby horse racing tickets

breeders cup tickets

nascar tickets

Read more »

EastWest Bank Prepaid Card: What is your take?

With the boom of Prepaid Cards which is set to control how much you spend (unlike applying for credit cards which would give you more debt you can pay), it is no surprising that a lot of banks are into prepaid cards.

EastWest Bank joins the fray by offering their own prepaid card:

TYPE OF TRANSACTION	AMOUNT (Php)
Card Application Fee	Php 100.00
Card Replacement Fee	Php 100.00
PIN Regeneration Fee	Php 50.00
Over-The-Counter Load / Reload	FREE
ATM Balance Inquiry - Domestic	Php 1.00/transaction
ATM Balance Inquiry - International*	Php 45.00/transaction
ATM Withdrawal - EastWest Bank ATM	Php 10.00/transaction after 3rd transaction**
ATM Withdrawal - Other Bank ATM	Php 11.00/transaction
ATM Withdrawal - International VISA ATM*	Php 157.50/transaction

*	Subject to applicable fees and charges that may be imposed by the host bank.
**	For every one (1) calendar month period. What is your take on the product? 

Read more »

Verifying your Paypal Account with BPI MyEPrepaid

The BPI My E-Prepaid Card, got it in Azure

 

It took me a long while to find the right card that can verify my Paypal account. Don't get me wrong, I had not yet intended to withdraw using my Paypal account but I needed one for those Pay-to-Click sites I had been using. I felt relieved when I first saw BPI My E-Prepaid.

To open a BPI My E-Prepaid account, you would need to go to a branch and wait for 5 days or it is best for you to do it online. (I did mine online and I got it in 2 weeks at my BPI branch because I stll had to finish some schoolwork ). You would have to present your purchase agreement and a fee worth 500 pesos to the section of your nominated branch that releases the card. Yes, the fee is 500 pesos for 2 years validity.

After acquiring the card, you can load it through the following (listed the convient ways)

1. If you have BPI Express Online account, you can register your BPI EPrepaid card to be able to receive Funds Transfer from your registered BPI, BPI Family Bank or BPI Direct Account.

2.You can load it through the Special Services section of your BPI Express Teller account, it works the same for BPI Express Cash.

3. You can also check out some branches availability of Cash Deposit Machines where you can insert notes (P 100, 500 and 1000 respectively)

For paypal verification, you should have loaded at least P 200 on your account. I had loaded P 300.00

After which, you can go to your Paypal Account:

1. Add your BPI My EPrepaid as a credit/debit card and the 3-digit CVC code at the back of your card to your PayPal account. Click on the Verify link to initiate the process.

2. After doing so, email myeprepaid@bpi.com.ph to get your Expuse Code. It took me the next day after emailing to get my expuse code. You would have to include your email and card number.

3. If you have registered your card with BPI Express Online, you can check it with the last 5 transactions on your portfolio.

4. Enter the EXPUSE code to be able to verify your account.

Read more »