BPI to charge over-the-counter withdrawals, inter-regional deposits by Sept. 1

[Monseratto]

I hope the other banks won't follow suit...

Paano pag sira or offline yung ATM nila (which is common for BPI nowadays)... or na over yung daily limit ng ATM mo?

In the same advisory, BPI said all ATM accounts will be charged P100 for over-the-counter withdrawals, regardless of the amount.

Clients encashing checks outside the issuing branch will be charged P100 per check, while encashments within the home branch are free of charge.

Clients depositing foreign currencies in cash will also be charged P0.10 per $1 equivalent, or a fraction thereof.

[WallyWest]

BDO ganyan na.

I recently made a deposit from Las p to their Bacoor branch and got charged 50 pesos. If I were to use their deposit machines instead of going through a teller, there'd be no charge.

Problem with the machine though is there's no validation and only the last few digits of the account can ne seen on the receipt. Not good if you need to present proof of deposit to someone.

[BlancNoir]

EW and MTB wala pa AFAIK.

[Walter]

Problem with the machine though is there's no validation and only the last few digits of the account can ne seen on the receipt. Not good if you need to present proof of deposit to someone.

Take picture of the screen? ...

[Walter]

Postponed to Jan 2019 ...

[wezz_zzew]

I hope the other banks won't follow suit...

Paano pag sira or offline yung ATM nila (which is common for BPI nowadays)... or na over yung daily limit ng ATM mo?

ano po ibig sabihin na na-over yung daily limit mo? If ever ba na over ka na, pwede ka magwithdraw sa ibang bank?
Example 50k yung max daily withdrawal, kung need mo 70k pwede mo withdraw sa BDO or other ATM machines yung other 20k?

[ray_noel]

ano po ibig sabihin na na-over yung daily limit mo? If ever ba na over ka na, pwede ka magwithdraw sa ibang bank?
Example 50k yung max daily withdrawal, kung need mo 70k pwede mo withdraw sa BDO or other ATM machines yung other 20k?

Ang alam ko daily limit sa atm lang yan... over the counter yata wala... so if you need more than 50k better go to over the counter para pwede ka pa mag widraw sa atm if you need extra cash...

Pls correct me if i’m wrong...


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[Monseratto]

But they will charge you 100 pesos for that over the counter transaction?

Ang alam ko daily limit sa atm lang yan... over the counter yata wala... so if you need more than 50k better go to over the counter para pwede ka pa mag widraw sa atm if you need extra cash...

Pls correct me if i’m wrong...


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[minicarph]

ang problema dyan pag may bibile ng used golf club mo na tiga cebu, tapos deposit muna sya bago mo pa LBC. may charge ka P50. galing no, iba na talaga ngaun, lahat nakikita ang pinagkakakitaan ng tao so they want in on it too


tapos punta ka naman davao may bibilhen ka sana na item, ang benta sayo P25k eh, eh ayaw mo magdala ng pera ng ganun kalaki sa eroplano, so withdraw ka na lang sa bpi davao. so my cut ulet ang BPI

iba na talaga ngaun folks,

[ray_noel]

ang problema dyan pag may bibile ng used golf club mo na tiga cebu, tapos deposit muna sya bago mo pa LBC. may charge ka P50. galing no, iba na talaga ngaun, lahat nakikita ang pinagkakakitaan ng tao so they want in on it too


tapos punta ka naman davao may bibilhen ka sana na item, ang benta sayo P25k eh, eh ayaw mo magdala ng pera ng ganun kalaki sa eroplano, so withdraw ka na lang sa bpi davao. so my cut ulet ang BPI

iba na talaga ngaun folks,

Pwede naman kung bpi to bpi mag transfer online pero kung la ka talagang bpi, no choice, tatagain ka ng fees....

Ang pangit na ng bpi ngayon, siya yung bank napili ko kasi napaka convenient ang online transaction... pero sa widrawAls, ang sakit na ngayon... daming fees! kulang pa yung interest na nakukuha mo per month minus tax deduction... 🤣


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[WallyWest]

ang problema dyan pag may bibile ng used golf club mo na tiga cebu, tapos deposit muna sya bago mo pa LBC. may charge ka P50. galing no, iba na talaga ngaun, lahat nakikita ang pinagkakakitaan ng tao so they want in on it too


tapos punta ka naman davao may bibilhen ka sana na item, ang benta sayo P25k eh, eh ayaw mo magdala ng pera ng ganun kalaki sa eroplano, so withdraw ka na lang sa bpi davao. so my cut ulet ang BPI

iba na talaga ngaun folks,

Ayos, afford ang golf clubs pero ayaw magbayad ng singkwenta pesos.

[WallyWest]

ano po ibig sabihin na na-over yung daily limit mo? If ever ba na over ka na, pwede ka magwithdraw sa ibang bank?
Example 50k yung max daily withdrawal, kung need mo 70k pwede mo withdraw sa BDO or other ATM machines yung other 20k?

Take effect pa rin yung 50k daily limit. Di ka na makaka-withdraw kahit saang bangko.

Workaround is to transfer sa ibang bpi account na hindi umaabot sa daily limit o, yung nga, over-the-counter.

[myas110]

May nabasa ako na waived ang fees pag offline ang ATM.

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[chronicle]

Pagawa ka na lang nang manager check. Mas mura pa.


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[BratPAQ]

forgot where i heard this, but if the bank is charging you for bringing your business to them, change bank.

if you think about it parang pinauutang mo ang bank pag nag deposit ka so they can use it on their business. tapos sisingilin ka ng fee pag kukunin mo na pera mo? g*go ba sila?

[dreamur]

forgot where i heard this, but if the bank is charging you for bringing your business to them, change bank.

if you think about it parang pinauutang mo ang bank pag nag deposit ka so they can use it on their business. tapos sisingilin ka ng fee pag kukunin mo na pera mo? g*go ba sila?

Unfortunately banks in Japan and in some parts of Europe are charging negative interest rates on your deposit.

Terms of Service Violation

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[minicarph]

BPI kase taking advantage of their nationwide branches, if say alis kay BPI lipat ka East West or Security or any other less known bank, pag punta mo Davao, or Cebu or Iloilo, pano na pag kelangan mo ng pera. BPi is like everywhere, every corner. most people who travel domestically hindi na gano nagdadala ng malaki pera sa plane or sa bus or sa car, kasi pede naman withdraw kung major Philippine city naman destination mo

now BPI knows this kaya mayabang sila. sabi siguro nila how come Western Union or Palawan Express eh nakakapagcharge ng percentage sa money order, so dapat in on the action sila kasi mas dami pa sila branch kaysa sa mga specialized money order biz na to

I think that's why it is so hard to transact nowadays with BPI branches, ang haba lagi ng pila kasi nga libre naman deposit (payment) or withdrawal (remittance) kaysa mag tambunting or western union ka pa

its basically testing the waters, kung di papalag depositors, ibig sabihin they have more to lose boycotting BPI or just assume the charges.


kaya sabi ko before pa sa thread, we are living in a different world right now, matinde ang pang-amoy ng mga execs/companies sa money trial, and they want in on the action, say online/provincial transactions


i been seeing this trend lately, case in point Jollibee's big burger champ with egg and fries and rice,





nakita ng tao nuon ang ang value for money nun at P119, so tinest ni Jollibee ang waters increase nya ng P135, bile pa din tao kasi busog, so ang ginawa nila tinanggal ang egg, bile pa din tao. ang ginawa naman ng Jollibee ginagawang regular burger at the PRice of P89 just P20 less from the original beef burger champ, hence more profit.



now they removed the fries.



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so how do we deal with this as Filipinos, we are basically test hamsters for these corporate think tanks. my suggestion, stop patronizing these businesses. if these businesses tank, they will get rid first of these analytical people preying on the wants of people. kasi analyzers/ researchers lang naman mga tao, not key admin people.

or make it routine, if you happen to know people who are deep analyzers, ma-compute, ma-observe, tsismoso, keep away from them kagad. let these breed of people get isolated. they're not real jobs. they dont represent the life and work itself. ang gagawin lang nyan oobserbahan at oobserbahan ka kung san ka addict, addict sa kape, coke, toyota, churros tapos taataasan nila yun para you spend more for something that has been present since the 80s

[2lits17]

^^ nice analysis bro... nakakatawa man pero nakakainis. that's what they call "testing the water"

ok lang sana kung mag demand sila ng mga kung ano anong charge basta they make sure that all your transactions are secured, hinde ma skim atm mo, hinde mahack pera mo online, mag implement sila ng 2FA sa online banking, at higit sa lahat hinde nag dodown website nila during business hours.

but with the mentality ng mga businesses sa pinas, money money first....the hell with security. mag report nalang mga nanakawan ng pera sa account.

ang password ng bpi online account cannot accept complex password, ni symbol hinde tinatanggap. and they are confident about that, and it is down at times during business hours. dami siguro nag access hinde kaya ng infra nila.

[WallyWest]

Over-the-counter transactions are probably not going to be as frequent as you think.

Personally, I plan/anticipate large withdrawals accordingly. Unti-unti per day or I use multiple cards (transfer to a family member) then withdraw from a machine to work around the daily limit.

[noobpro]

kaya nga kami lumipat ng bank dahil sa ganyan pati replacement ng atm na naputol sobrang tagal bago magawa. sa ibang bank 15mins lang meron na.

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