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 04:41 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..

**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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**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..

**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.