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

[Mask Rider Blac]

P100 off for min P1,500 buy at Lazada

[Mask Rider Blac]

BSP: Only two of six PH digital banks are profitable

Only two of six PH digital banks are profitable

[H1Tman]

cimb, 15.0%

wew 15%!

nago-offer din sila ng personal loan at 1.15% monthly interest.

[papi smith]

Mas madali pala ang Lazada Teknik.

1.Dapat verified ang Lazada account para makapag-transfer funds.
2.In Laz app, cash-in thru Maya wallet. Enter your account number (ung cellphone number na gamit sa Maya wallet).

Laz wallet can be used for bills payment. Pwde rin i-transfer to banks/e-wallets ung balance sa Laz wallet (one free transfer per week), hindi lang siya real time, ung sa akin kinabukasan pa pumasok.

Gagawin ko sana kaso wala pala ang BPI CC sa pwede bayaran.

[Dr.Kamiya]

So the digital banks are offering higher interests on deposits, while taking on less profitable and riskier loans.

They're in the red, and the best two are barely profitable. Sounds like they're being run with growth being prioritized above everything else, which is great if you can get your money out before the bubble bursts.



What else is run like a digital bank? Pyramid scheme funded by new people putting in money.

[papi smith]

Actually, only 2 are making money according to an article I read. We're just banking that the people's money, este, the PDIC won't fail us when needed. Pyramid scams don't have these safety net.

[yubby24]

May nakapagtry na bang magtransfer ng mga 500k thru any of the subject digital banking apps? Nakalusot naman kayo without issues?

[Mask Rider Blac]

May nakapagtry na bang magtransfer ng mga 500k thru any of the subject digital banking apps? Nakalusot naman kayo without issues?

Yes, using PesoNet. If using Instapay, P50K per transfer.

[yubby24]

Yes, using PesoNet. If using Instapay, P50K per transfer.

How many times nyo na natry? Balak ko sana magbayad ng DP thru my CIMB account. How does AMLA work ba? Let's say I transfer 500k each day for 3 days sa isang bank. Hindi ba mafa-flag yun?

[Mask Rider Blac]

How many times nyo na natry? Balak ko sana magbayad ng DP thru my CIMB account. How does AMLA work ba? Let's say I transfer 500k each day for 3 days sa isang bank. Hindi ba mafa-flag yun?

Hindi naman ako na-flag nor na-restrict ang account. Magalaw accounts ko, depende sa interest rates ng mga banks. One bank "noticed" that my deposit is bigger (based on their assessment) than my source of income. I sent them my ITR and other supporting docs.