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

[Little Missy]

Kahit sa GSave lang may 100K.. mag-lagay ka lang ng any amount sa Fast Save para magkaroon ka lang ng account.
Nagta-transfer lang ako sa Fast Account kapag need ko Cash, pero nandun lang lagi funds sa GSave dahil nandun yung 4% interest rate.

Bakit mo kelangan mag transfer sa fast account for cash, kasi yung nasa fast account lang ang pwede withdrawin through ATM?

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[misseksaherada]

Bakit mo kelangan mag transfer sa fast account for cash, kasi yung nasa fast account lang ang pwede withdrawin through ATM?

Yup, ganun nga.. Saklap noh? Di ko din alam bakit ganun ang style ng digital banks..
Wala ako sa banking industry, pero hula ko baka minu-monitor din nila ang debit transactions para mas madali siguro sa data analytics nila meron sila specific account for debit only..
Sana meron dito nagta-trabaho sa banking industry tapos data mining ng digital banks.. [emoji16]

[Little Missy]

Kailangan nung UpSave para maging forever yung Fast Account [emoji28], dahil 12 months lang validity ng Fast Account.

Pero pag may gsave ka na okay na yun or kailangan pa din ng upsave? Hahahaha.

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[misseksaherada]

Pero pag may gsave ka na okay na yun or kailangan pa din ng upsave? Hahahaha.

Ok na yung GSave lang, nandun naman yung 4% interest rate.. Maliit lang interest rate ng Fast at UpSave.
Kapag need lang ng CIMB atm dun gugulo [emoji28][emoji16].

[ray_noel]

Kahit sa GSave lang may 100K.. mag-lagay ka lang ng any amount sa Fast Save para magkaroon ka lang ng account.
Nagta-transfer lang ako sa Fast Account kapag need ko Cash, pero nandun lang lagi funds sa GSave dahil nandun yung 4% interest rate.
Kailangan nung UpSave para maging forever yung Fast Account [emoji28], dahil 12 months lang validity ng Fast Account.

Hi Misseksaherada,

Good day.

Thank you for detailed information you’ve provided.

But I’m a bit confuse, if I will open UpSave account on top of my GSave, will i be able to get atm/debit card? Or only through fast account?

Looking forward for your response. [emoji6]

[emoji8][emoji8][emoji8]
RN


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[misseksaherada]

Hi Misseksaherada,

Good day.

Thank you for detailed information you’ve provided.

But I’m a bit confuse, if I will open UpSave account on top of my GSave, will i be able to get atm/debit card? Or only through fast account?

Looking forward for your response. [emoji6]

[emoji8][emoji8][emoji8]
RN

Fast Account for CIMB atm card (valid for 12 months)..
UpSave if you want to extend the validity of Fast Account.. If meron ka na UpSave (forever na yung Fast Account mo)..
Try mo na lang muna yung Fast Account para magkaroon ka atm card.. [emoji6] Makikita mo progress mo dun sa atm card section kung alin na ang na-complete na step..

[papi smith]

Ala eh! Ay may pa kiskis pa!

[ray_noel]

Ala eh! Ay may pa kiskis pa!

Kiss like she’s my sister lang bruh…

Fast Account for CIMB atm card (valid for 12 months)..
UpSave if you want to extend the validity of Fast Account.. If meron ka na UpSave (forever na yung Fast Account mo)..
Try mo na lang muna yung Fast Account para magkaroon ka atm card.. [emoji6] Makikita mo progress mo dun sa atm card section kung alin na ang na-complete na step..

So in summary, if gusto ko ng atm card na forever required talaga ang fast account at upsave?

Hindi pwedeng upsave lang para forever na tayo este yung account ko with atm? Kasi yung atm makukuha lang through fast account?


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[misseksaherada]

So in summary, if gusto ko ng atm card na forever required talaga ang fast account at upsave?

Hindi pwedeng upsave lang para forever na yung account ko with atm? Kasi yung atm makukuha lang through fast account?

Yup, ganun na nga required ang Fast Account and UpSave Account..
May perks naman ang may extra account sa CIMB.. Ang fund transfer from CIMB to CIMB merong special interest [emoji4], minsan Php 100+ din binibigay nila per month..
Sample mag-fund transfer from GSave to Fast Account dahil need mo mag-withdraw ng Cash.. Abangan mo sa GSave mo merong Special Interest sila na ibibigay.. [emoji4]

[ray_noel]

Yung document verification ko 1month na di pa rin na verify… hahaha..


100k pala dapat cash-in… pwedeng cash-in tapos transfer lang ulit sa gsave noh?



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[Little Missy]

Yung document verification ko 1month na di pa rin na verify… hahaha..


100k pala dapat cash-in… pwedeng cash-in tapos transfer lang ulit sa gsave noh?

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Basta may 100k gsave mo no need to cash in sa fast account. I-activate mo lang yung fast account (add product ka). Ganun lang ginawa ko then next verification na lang ng delivery address ng debit card.

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[ray_noel]

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[papi smith]

Nakakatuwa itong Gsave/CIMB, nag load ako Sep 15, pag check ko ngayon, may free money pala ako na 40 kesos nung Oct 1. And the only reason I loaded it is para di na ako papalit palit ng password sa BPI ko everytime I cash in sa GCash.

[WallyWest]

I don't understand kung ano ang requirement nitong CIMB to approve loans.
Ang lakas nilang maka-advertise ng loans nila sa GCash hindi naman mawari kung papano
ma-a-approve.

I tried the fixed-term loan twice and both applications were denied.

I tried the personal loan but their initial approval was only 50k. I cancelled it coz
the interest just wasn't worth it for that small amount.

Tenure and gross income ko is definitely more than their minimum requirement.

May nakapag-apply na ba and approved?

[papi smith]

Bro did they email you to avail? Kasi meron din ako madalas natanggap na email na 100k loan with zero interest for 1 year. After a time, nakita ko sa Gcash may 8% processing fee pala, daig pa pala ang 8% per annum dito kasi paid in advance hehe.

[WallyWest]

Bro did they email you to avail? Kasi meron din ako madalas natanggap na email na 100k loan with zero interest for 1 year. After a time, nakita ko sa Gcash may 8% processing fee pala, daig pa pala ang 8% per annum dito kasi paid in advance hehe.

GCash app, email, text, you name it.

Malaki nga yung 8% na deduction upfront. Their other loan has even higher interest kung pagbabasehan ko yung monthly amortization sa computation nila.

[kagalingan]

bebe eksa,

ano ginagawa mo para wala kaltas withdraw sa gsave. Baka magopen ako sayang 4% tubo buwan-buwan.

[uls]

wow mag oopen ng online acct si mister passbook only

[misseksaherada]

bebe eksa,

ano ginagawa mo para wala kaltas withdraw sa gsave. Baka magopen ako sayang 4% tubo buwan-buwan.

Gawa ka account sa CIMB App para meron ka ATM card.. Kapag meron ka na ATM card kahit saang ATM machine wala kaltas na service charge/fee..
Subukan mo na, matutuwa ka [emoji4].

[papi smith]

Gawa ka account sa CIMB App para meron ka ATM card.. Kapag meron ka na ATM card kahit saang ATM machine wala kaltas na service charge/fee..
Subukan mo na, matutuwa ka [emoji4].

Gumawa ako ng account sa CIMB, nagtataka lang ako bakit walang account number? Identity lang?