Posted in Finance, Mobile App, Travel

Withdrawing Funds Using RCBC MyWallet Overseas

When traveling overseas we may overlook the fact that not all debit cards can be used in a lot of ATM machines. I would always recommend to bring two or more debit cards. I currently have the GCash MasterCard and RCBC MyWallet for the meantime.

I also have my PayMaya physical card which is already linked to my verified PayMaya virtual card account but I am excluding it for now because of the Ph500 roaming fee my Smart postpaid account would automatically charge me once I insert my SIM to a working phone here while being overseas. As PayMaya now requires a text verification upon logging in to the PayMaya mobile app, I don’t think it’s worth it using my Smart postpaid SIM when I have two other debit card alternatives.

In Thailand, I could withdraw funds from my GCash MasterCard in most ATM machines. Most 7-Eleven stores in Thailand have ATM machines outside the premises but you have to also make sure the ATM machine is not that of a local bank. As for the RCBC MyWallet, I have tried withdrawing cash from it in both Siam Commercial Bank and Krungsri ATM machines and have been able to transact successfully.

I should also like to mention that solely depending on GCash MasterCard is not a good option because of the monthly withdrawal limit. There were times when I’ve reached my limit in GCash on the last day of the month and I had to wait for the next day, the first day of the next month, to do a withdrawal. In case waiting might pose a hassle for you, it’s good to have other options too.

It gets tricky here in Vietnam for the RCBC MyWallet. Techcom Bank, BIDV Bank, Lienviet Post Bank, Vietcom Bank and Maritime Bank are the most common ATM machines I could run into and GCash would be accepted in all of these. The only ATM where I found I could use my RCBC MyWallet is that of VP Bank. Unlike Vietcom and Techcombank, you won’t come across VP Bank ATM machines in most big malls. I had to research VP Bank ATM locations online.

I do find my travelling situation to be unique but I hope this has helped anyone who has trouble finding a bank in Vietnam they can withdraw their funds with using RCBC MyWallet.

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Posted in Finance, Mobile App

Skrill Verification

I have been using Skrill for transferring funds to my Philippine mobile wallet and purchasing referrals in NeoBux. Over the years, more online businesses I have used have switched from PayPal to Skrill as it has proven to be a good alternative to PayPal. I still prefer to use it over Payoneer because of the lower fees.

My only complaint about it lately has been about the Skrill verification process. I have completed the ID verification last year and for a while was not badgered about other Skrill verification process I needed to complete until last month. It was about the address verification. I wanted to add some Skrill funds to my NeoBux account so I could purchase new referrals. There was a warning on my profile page that my account use would be limited because I have not done the address verification. My beef mainly concerns the account restriction – this should have also included NOT BEING ABLE TO DEPOSIT FUNDS into my own account using my card. It should not only cover the amount restriction and limitation to transfer Skrill funds or use Skrill funds for purchases.

After Skrill ACCEPTED my funds deposit to my own account using my own card (mind you, this was AUTOMATED – a lesson for other companies to disable this feature also unless verification has been completed), I proceeded to upload my postpaid bill document. It was rejected. Few years back, I submitted my postpaid bill document showing my address and my name and they actually deemed it as valid. Now, the same document was rejected as they said they will only accept telephone utility bills. For some unfortunate reason, my sister said she has not received the telephone paper statements in our address. The newly added funds were stuck there in my Skrill account.

Meanwhile, I would have to pester my family back home for water or electric bill statements to get rid of this annoyance.

Update: January 2, 2018

I requested my sister to take a photo of a utility bill which she sent to me via Viber. It would make sense to upload the said document via the Skrill mobile app as well. However, in the Skrill mobile app (at least in the iOS version as I have not tried downloading Skrill on Android yet) it does say USE DOCUMENT UPLOAD but that option is misleading because it only allows you to scan or take a photo of the said document, which means you must have the utility bill on hand. In other words, it is pointless to do the address or location verification via the Skrill mobile app.

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I had to do it via the web site on desktop as there is an option in the latter to upload the document. I had to open iCloud on the web and download the utility bill photo from there.

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Update: January 3, 2018

Just got word from Skrill that my location has been verified.

Posted in Finance, Mobile App, Telco, Tutorials

RCBC MyWallet to GCash Cash-in

Earlier today I got an alert on my iPhone to update my GCash mobile app and that the new update not only includes the RCBC-GCash and BPI-GCash cash-ins but also a list of their over-the-counter partners right within the GCash mobile app.

For a few months registering GCash within the RCBC Online Banking platform had been disabled. It’s a good thing they have brought the feature back. If you access your Globe sim menu and select GCash > Registration by dialing *119#, you will see the option to register your BPI and RCBC accounts. For a refresher, here’s the video for the registration for RCBC:

 

Update: June 11, 2018

Even though the RCBC to GCash option is available in the GCash mobile app, most of us encounter errors in attempting the feature. It probably works for RCBC accounts which are connected to a savings account but with the RCBC MyWallet Visa debit card (one can apply for this card at any RCBC branches without necessarily having a savings account at RCBC), it seems it’s been disabled again and it’s unclear when the RCBC to GCash cash-in service will resume. I would like to also emphasize that even though there is an option in the GCash mobile app to add your MasterCard or Visa Debit Card for cash-in, adding your RCBC MyWallet Visa Debit card is not allowed and you will only get a text notification that the attempt to add the card is unsuccessful.

There is an alternative, which I have tried for myself yesterday, but it would require you to have a Skrill account.

Requirements:

  • You must have a verified Skrill account.
  • Your GCash account must already be linked to your verified Skrill account. You can add your GCash mobile number under the Mobile Wallets tab.
  • Your RCBC MyWallet, which is a Visa debit card, must be also added to your Skrill account. You can do this by clicking on the tab Cards and Bank Accounts. Even if you do not verify this particular Visa debit card, you can still send money directly via Skrill but there would be a limit.
  • I would suggest you do the RCBC MyWallet to GCash cash-in on the web and not on the Skrill mobile app for the reason that “Philippines” does not appear on the drop down menu on the mobile app.  Skrill needs to update their mobile app for bugs.

Here are the steps to transfer or send your RCBC MyWallet funds to your GCash account:

1 – Under Account Overview and just right under Available balance, there are two buttons for Send Money. Click on Send Direct.

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2 – Since this pertains to RCBC MyWallet, select Credit/debit card.

select currency and payment method

3 – Select the RCBC MyWallet Visa debit card to be debited from.

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4 – Review the details.

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5 – Wait for the confirmation.

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Posted in Finance, Mobile App, Telco

GCash Follow-Up E-mail

Although I praise GCash for preoccupying themselves with their customers’ security, I still couldn’t forget how traumatizing it was to experience PayPal to GCash cash-in delays thrice.

On June 8th, I received a follow-up e-mail from GCash regarding the transaction I made on June 7th.

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I replied to the e-mail and informed them I have done withdrawals in small batches for more than three weeks already, pointing out to them that in case the initial $15 does not go through, I only have a measly $15 to dispute with PayPal for 6 days instead of a hefty $278.

I hope my reply put things into perspective for them.

 

Posted in Finance, Mobile App, Telco

My Experience With PayMaya Plus Upgrade

I signed up for a PayMaya account almost two years ago. There was an Upgrade option right within the PayMaya mobile app and I got the reference number via SMS but had not been able to upgrade then because of the lack of authorized PayMaya centers. At the time I signed up there was no authorized PayMaya center in my hometown and as of this writing there still isn’t one in Cagayan de Oro.

Last year I became aware of the Facebook video call via the PayMaya Official Facebook page. I tried this option with an old account, which I had to bring back to life from deactivation, only to be later disappointed that my Facebook video call request was ignored. I replied to their message via Messenger about the time and date and a month had gone by without any reply from them. Okaayyyyy. They should take out the Cares in PayMaya Cares or whatever. When I had the chance to stop by in Manila for 4 weeks, I found my chance and took care of this PayMaya upgrade business the first few days after my arrival in Manila.

If you browse through the PayMaya website, there’s a link for authorized Bayad Centers that will do the upgrade. Upgrade is free, by the way. I am staying in Las Piñas and this was favourable because there are few Bayad Centers close by. I chose the closest, Puregold Las Piñas.

I wasn’t very familiar with Las Piñas (I only lived in Parañaque a few years in the past but rarely ventured further down the South) and although I easily spotted Puregold Las Piñas, my journey didn’t go as smoothly as I would have liked because of a tiny oversight – I had to be in possession of a filled-up Bayad Center application form. If I had taken the Smart Jump Center route, which was SM Megamall, perhaps I would not be needing the Bayad Center form anymore. I was informed by the Bayad Center attendant in Puregold Las Piñas that I would need to print the Bayad Center upgrade application form and fill it up with the same information I entered in my PayMaya upgrade application online.

It took me 30 minutes of scouting the area outside of Puregold to find an internet cafe which offer printing services. When I went back to submit the form, again, I realised I had overlooked something when the attendant called me about the form I submitted. I did make sure, however, that I don’t get out of the premises without receiving any text message or a call from Bayad Center. The passport number I had entered on the form did not match what I entered on my PayMaya upgrade application. The passport number I submitted years ago expires this month and I have had a new passport since November 2016. My mistake was assuming that I could replace the info because of a mere expiration issue. I was wrong. Expired or not, the same ID indicated during the time one signed up must also be written on the Bayad Center form.

Once I provided the old passport number, I received a text notification within minutes from PayMaya that my account has already been upgraded to PayMaya Plus.

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It was such a relief to be able to see on my PayMaya mobile app that I could send money to my other PayMaya card and/or SmartMoney accounts and even to other KYC’ed GCash accounts as well, which I currently have.

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I did the PayMaya to GCash transfer to test. The transfer came through instantly!

 

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Posted in Finance, Mobile App, Telco

0956 Globe Prefix – Not An Existing Globe Number

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I have been experiencing the unrecognised 0956 Globe number error message since I purchased the sim late last year. At one point the error revolves around not being able to receive GCash funds when transferring from my GCash AmEx number. The app would prompt something like the number is not an existing Globe number. I bought the Globe 0956 number from a GCash MasterCard kiosk in a Globe Center.

In the Globe Rewards mobile app, I cannot add my Globe 0956 number because, again, the system says I must enter an existing Globe number. Nonetheless, I could send text messages with it, make calls and receive calls with it. To redeem my Globe Rewards points, I would need to dial *143# instead of using the Globe Rewards mobile app.

When Skrill was still partners with Upwork for the latter’s withdrawal options, I would withdraw my Upwork funds to Skrill and within the Skrill mobile app I would withdraw it to my mobile wallet. Mobile wallet withdrawal was instant. Here is a sample video of an error message I would get when choosing my Globe 0956 number under Mobile Wallet to withdraw my Skrill funds to. You can see in the video I had to use my Globe 0995 number, which is my GCash AmEx number, to successfully do a Skrill mobile wallet withdrawal. From the GCash mobile app, I am now able to transfer funds from my GCash AmEx 0995 number to my GCash MasterCard 0956 number.

 

Another problem a 0956 Globe prefix number poses is the lengthy refund period. With my GCash AmEx 0995 number, I would get refunds in a shorter period of time and there was no need for me to send a Dispute Form to GCash’s customer support. If you have a GCash number with a Globe prefix that’s experiencing the problems I described in this article, you should always make sure you file a dispute for any pending refunds or chargebacks you are expecting as soon as possible. Better late than never.

Posted in Finance, Mobile App, Telco

PayPal to GCash Technical Difficulties

It has been two weeks since I could not use the PayPal to GCash cash-in within the GCash mobile app itself. I’ve experienced delayed cash-ins before and I am glad Globe owned up to the never-ending technical difficulties their system seems to be having to prevent amassing discontented customers.

At first I thought the error was caused by the lack of update for the Android version only.

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I kept encountering that error message even though my PayPal account was already linked to GCash in the past. I tried unlinking it via PayPal and then relinking it within the GCash smartphone app but the same problem persisted.

It was somewhat deceiving when I tried inserting my Globe GCash sim into my iPhone and could click on the PayPal to GCash cash-in option in the iOS version. However, when I entered the amount and clicked Next, that was when the error message appeared.

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Relinking was futile, of course, as both Android and iOS versions have given me the same error message. PayPal and GCash Care clarified the issue.

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Yesterday, I received a text notification that PayPal to GCash cash-in is now functional.

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In case your GCash balance has already been deducted because of a system glitch, simply fill out this Dispute Form and e-mail it to gcashinquiries@globe.com.ph.

Posted in Finance

How To Enable GCash Tab in RCBC Online Banking

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For some time now, RCBC AccessOne has been called RCBC Online Banking and RCBC has reflected this change on the url as well. A few changes are apparent:

  • the GCASH tab is no longer automatically displayed on the RCBC Online Banking dashboard
  • some RCBC and GCash users have reported not being able to link their GCash to their RCBC MyWallet accounts

The GCash option is still available and you can still manually add it to your Dashboard by doing the following:

However, as RCBC’s Customer Care has informed me, the feature to link RCBC MyWallet to your GCash or registering for RCBC Mobile Banking with your MyWallet is currently not available. I have attempted to link my new RCBC MyWallet to my GCash account and only got the error message that GCash could not be linked to my RCBC MyWallet.

Update: June 19, 2018

I would like to also emphasize that even though there is an option in the GCash mobile app to add your MasterCard or Visa Debit Card for cash-in, adding your RCBC MyWallet Visa Debit card is not allowed and you will only get a text notification that the attempt to add the card is unsuccessful.

RCBC  MyWallet to GCash cash-in continues to be disabled for now.