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.

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.

deposit

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.

skrill

 

 

4 – Review the details.

summary

5 – Wait for the confirmation.

transfer successful

Posted in Finance

How To Enable GCash Tab in RCBC Online Banking

Screenshot_4

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.

 

Posted in Lifestyle, Mobile App, Technology

Pros and Cons of Mercury Drug MyWallet VISA Debit Card

I applied for the Mercury Drug MyWallet VISA Debit Card mainly for PayPal verification but in the long run found there was more I could do with it. Over time, however, I understood one card does not always fit the bill.

PROS

Anyone who has ever worked as an oDesk/Upwork freelancer may have heard it to be an alternative to Unionbank’s EON VISA Debit Card. The EON VISA Debit Card was primarily embraced by most freelancers as an viable verification method to lift the imposed minimum amount of fund transfer on unverified PayPal accounts. The Mercury Drug MyWallet VISA Debit Card fulfills the same aforementioned purpose, but while EON has to be linked to a savings account (fundamentally when you apply for an EON VISA Debit Card you are likewise applying for a Unionbank savings account), the Mercury Drug MyWallet VISA Debit Card is the opposite – one does not have to open a savings bank account or be a current RCBC account holder to meet all requirements for the MyWallet VISA Debit Card.

I use my MyWallet card to swipe my Mercury Drug purchases and I earn Suki Points for it. Never had a problem swiping purchases at local garments shops, restaurants, and coffee shops here with it as long as the stores accept debit card payments.

LBC Express, a cargo and courier service, is a ubiquitous institution here so reloading a MyWallet VISA Debit Card is speedy and simple. The reloaded sum is reflected promptly and I always sign in my RCBC AccessOne after the reload transaction to verify if the funds are available for use. Yes, you can view the balance and transaction history of your MyWallet VISA Debit Card using the RCBC AccessOne mobile app. You would need to apply online for the RCBC AccessOne first.

CONS

I use the Etsy mobile application for purchasing crystals and gemstones. Once I encountered a problem with my MyWallet VISA Debit Card not going through and I got stuck with an error message saying my card was not accepted. I had to change to a SmartMoney debit MasterCard and only then did my order go through. Some merchants do not accept the MyWallet VISA Debit Card and you’d be better off with a SmartMoney debit MasterCard if you have one.

With respect to booking cinema tickets online in advance, a year ago I discovered that sureseats.com and limketkaicinemas.com employ the online payment gateway service, iPay88. iPay88’s website is where you’ll get redirected after choosing your seats online for debit/credit card payment confirmation. It seemed iPay88 did not support MyWallet VISA Debit Card.

Recently, though, I tried booking tickets online using my MyWallet VISA Debit Card and it looks like the merchant restriction has been lifted – my ticket purchases went through. I would still caution the use of MyWallet VISA in other online purchases as a customer service representative had once advised that some merchants do not accept the MyWallet VISA Debit Card.

 

ipay8801

Those are the pros and cons I have discovered so far. I would definitely recommend anyone who can’t open a Unionbank EON account or can’t get accepted for debit card applications in other banks to opt for the Mercury Drug MyWallet VISA Debit Card.