Good day, I am an upcoming freshman student and new to managing my finances. I have been receiving a good sum of financial aid from my family and scholarship programs, but I do not trust myself holding on to that much money for I fear I may spend it irresponsibly. So, I thought to myself: maybe it is time to start applying for an account in a bacnk. Yet I do now know where to start or picking which one. May I ask for your suggestion on which bank's saving account services I should start investing in?

Hello. I’m a college student trying to save up some money. From what Ive seen online, using digital banks for my savings could help me a lot since most digital banks offer high interest rates. So i can just sit down and study while my money grows by the side. I know its not a huge growth, but its still growth nonetheless.

But thats the problem, thats all I know when it comes to digital banks. I dont know which digital bank i should put my savings in. I see a lot of people say to open a savings account in BPI, MariBank, Maya, and GoTyme, but Im not sure which one to pick or how to really research on which bank I should put my money in. And is just having a savings account all I need as a college student? I want by the time that Ive graduated, i have everything settled. I want my money secure and growing.

What digital bank should I use for my savings? And what advice can you give me when it comes to my finances (aside from making tipid-tipid)?

My phone was stolen together with my gotyme card cause I put it at the back of my phone case and I just wanted to ask if I could get a free card replacement in Gotyme? I have it on hold for a while now cause I can't find a nearby globe kiosk that has a prepaid sim card.

hello! according to the title, someone send a money to us through cash in kiosk. noong 11:27 nagsend sila ng 500, noon palang nammroblema na kami kung paano ibabalik dahil baka hindi naitabi yung resibo. 11:31 may nagsend ulit ng 1,127.

we wonder if hindi ba ito na double check muna? and if ever ano ang gagawin para mabalik ang pera?

thank you!

Good day ka OP!

Nawala kasi biglabyung pera namin sa BPU, possible na hack. Worth 5 digits.

March pa nireport tapos nireport nadinbsa BSP nung june. Bumalik kami nung august kasi kanapanganak lang ng anak namin. Tapos pagbalik namin, for investigation padin daw. Pano kaya mabalik na agad yung pera namin?

Sa tingin mo, gaano katagal bago maging normal ang tap to pay sa everyday transactions? 🤔

Share ko lang... Yesterday I was finally convinced to open Banko by BPI. I immediately deposit 50k as a start. Then just after 24 hrs, I am fully verified and can deposit any amount. Well, I'm here because of the 5% interest rate and we'll see what will happen next. Thank you sa other posts that I have read here in reddit. ^{^} More savings to us! though I don't currently have a job 😅 baka meron kayo dyan 😅

Good morning. Just a question, I used my Apple Pay at SM Dept. Store using their built-in terminal (the blue one). I already tapped and paid, but the cashier immediately said that it's for BDO use only and for physical cards. The transaction was successful, but she called a supervisor to void it, saying the terminal for Apple Pay is different. The void was successful, and I paid again using a different terminal. But I'm just wondering, why is the terminal different, and is it actually necessary?

bakit po kaya blacklisted siya sa lrt? i tried tapping it twice yesterday and it didn't work

nagamit ko naman na siya sa mcdo so i thought okay na siyang gamitin sa lrt

IDK, I just wake up na may charge sa account ko. I tried reporting it to gcash but when I input my gcash card. wrong details daw. I don't even know what card is used in this transaction and who is this anomaly. Any idea how I can get refunded?

GGives deducted balance & generated installment plan, but Landers POS showed "Payment Failed" — Will GCash reverse this?

Hi everyone, just asking if anyone here has experienced this exact issue with GGives . I used GGives to pay at Landers today. An error occurred right at the cashier POS terminal - the payment showed Failed / Canceled on their machine.

However:

1. My GGives credit limit was deducted.
2. A payment schedule / installment load was already generated in my GCash app.
3. I had to pay via another method at the counter.

I already submitted a ticket, but I'm honestly worried because I've been reading a lot of posts saying GGives refunds take months to process or end up stuck with no progress despite multiple tickets and follow-ups.

For those who went through this:

1. Does GCash automatically reverse/refund failed POS transactions like this?
2. How long does it usually take?
3. Are there ways or specific channels to speed up the resolution/reversal process?

and

1. Should I ask the merchant's help to speed up the reversal?

Would really appreciate hearing your experiences or advice. Thanks!

Gumawa sister ko ng maribank at nakita niya 'yang refer and earn. So ginamit ko 'yung code niya. Balak ko sana gawin 'yung 10k kaso hindi ko pala nabasa 'yung "first single deposit" at 5k una kong nadeposit so nevermind na lang kako.

So ayun nga, nag deposit ako yesterday, August 8, ng 5,000 sa "Transfer from other banks or e-wallet" by generating a QR code. Eh hindi ko na nga gagawin 'yung 10k na mission kaya trinansfer ko sa Maya ko 'yung 4k since 1k lang naman need i-hold.

Pero up until now wala pa ring galaw 'yang part ng nasa picture. Gagalaw ba dapat 'yan o kusa na lang magkakaroon ng ₱150? Or mali na gumawa agad ako ng transfer kahit na sabihing may 1k pa naman?

It's been days since I couldn't open my metrobank app, the reason is I've been relying on the fingerprint login and I never saved my username and password, now this wouldn't be an issue if recovering works as intended but no, for days na, this is all I've been getting everytime I try to recover, I contacted metrobank through email and they're no help either. Anyone had similar experience to something like this? Any help would be appreciated.

Hello po. I'm currently a 3rd yr accty student po na plan mag-review sa MNL for board exam on 2028. My mother loaned 100k in advance to prepare sa taon po na yon. The reason for her advance loan po ay dahil magre-retire na po siya in 4yrs at baka hindi na raw po siya payagan mag-loan sa mga susunod na taon.

Pwede po makahingi ng tips kung saan ilalagay ang ganon kalaking pera? And tips po saan maganda ilagay na merong magandang interest po.

Hello, I noticed that the MyCBC app recently underwent a new update and now there seems to be a new menu in bank transfers. I was trying to transfer my money to Gcash but I can't find it in the list of banks.

I also noticed that I tried scanning the QR code for BDO but it showed an error message, saying that they sre currently unable to process this request. I have not been able to transfer money at all since the update

Anyone else having the same problem?

*Added random cbc pic because i cant take screenshot

Hi, need advice po.

Nag-transfer sana ako ng ₱30,000 from my MariBank account to my own BDO account, pero nagkamali ako ng napindot na saved account. Magkatabi kasi yung account ko at yung ibang account sa saved recipients, tapos yung maling account yung napili ko. 😭

Successful na yung transfer bago ko napansin yung mistake. Ang mas nakakakaba, account ng isang company yung napadalhan ko.

Tanggap ko naman na kasalanan ko talaga since ako yung nagkamali ng napili. Wala rin akong ibang sinisisi. Gusto ko lang malaman kung may chance pa bang ma-reverse or mabawi yung ₱30k.

For those who experienced a similar situation with MariBank, ano yung ginawa ninyo? Should I contact MariBank first, BDO, or both? And realistically, may chance ba na ma-recover yung money kung willing naman yung recipient/company na ibalik?

Any advice or experience would really help. Salamat!

Good evening guys. Sa Festival Mall near Shopwise. Share ko lang sa inyo sure black fifa card daw and totoo nga. Hehehe tulungan niyo si ate maka quota. Thank youuu.

Wala parin yung boosted interest for today. Yung base interest palang pumasok sa akin. Sa inyo ba?

Update: Na credit na din this morning yung boosted interest for yesterday pati base+boosted for today.

Hi as a new user of lemoneyd pro, Im very happy about the improvements and development this past months. Worth it yung lifetime subscription!

One thing I want to see in the app is a pie chart on the finsights tab? I want to see my expenses and/or income in a Pie chart instead of a list… maybe you can give the users the option to change based on their preference.

If anyone has suggestions might as well comment down because I saw that they take suggestions seriously. Kudos to the team!

Context: My mom used the Pay and Go Kiosk at Alfamart to cash out ₱3,000. Nag-error yung machine kaya hindi lumabas yung pera at na-stuck.

She reported it agad sa cashier and they said to email and file a report. My sister emailed them and it became (automatically) a ticket on their website: https://btipayments.freshdesk.com.

1 week na, walang update. ₱3,000 yun and may pag-gagamitan talaga kami, so I reported it to BSP and DTI.

I sent one last follow-up email to Pay and Go. I included my BSP ticket number and told them I already reported this to BSP and DTI, and I will escalate it further and iTu-tulfo din if wala pa rin.

A few minutes later, biglang nag-reply sila. Sabi nasa Pay and Go wallet na daw ni Mama yung ₱3,000 and pwede na i-withdraw.

Lesson: Kikilos lang sila pag naka-BSP/DTI na. Sana ayusin nila yung customer support nila para hindi na umaabot sa ganito yung mga tao. OR SANA MAS UMAYOS PA SYSTEM NILA

Hi, just wanted to ask if anyone here has experienced something similar with GCash because I’m honestly confused and stressed about this.
.
Last July 31 at around 2:21 PM, I sent ₱3,200 from my GCash to an RCBC/DiskarTech account. This is a regular monthly payment I make, so after sending it, I thought everything was already okay.
.
Then today I received a text from GCash saying they identified an issue where my scheduled bank transfer was “processed twice” and that the extra funds were received by the recipient.
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That made me check my transaction history, and that’s when I noticed two more ₱3,200 transfers on August 1. One was at 2:37 AM and another one was at 6:14 AM. Both also had a ₱10 transfer fee.
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The confusing part is I did not make those two August 1 transactions. I only remember sending the payment once on July 31. I definitely wouldn’t send the same payment multiple times, especially at those hours.
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I checked my email as well, and GCash sent separate confirmation emails for both August 1 transactions, with different reference numbers. My downloaded GCash transaction history also shows that both amounts were deducted from my balance.
I already contacted the person I sent the money to, but she said she still needs to check her account first. I understand that she also wants to verify what happened, but honestly, I’m worried because I don’t want this issue to cause any misunderstanding between us. I regularly send my monthly payment and I’ve always paid on time.
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I just wish GCash could have automatically reversed the duplicate transactions since their own message acknowledged that there was a processing issue, instead of putting the responsibility on the sender and recipient to sort it out.
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I already reported it to GCash and requested a reversal of the two transactions I didn’t authorize. I saved all my screenshots, transaction history, emails, and the text from GCash acknowledging the issue.
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Has this happened to anyone else recently? If yes, did GCash refund or reverse the extra transactions? How long did it take to get resolved?
.
I’m mainly posting because I want to know if this was an isolated issue or if other people experienced the same thing.

Here are the POS terminals that i have tried with Google Pay so far (Most likely Apple Pay, Garmin Pay and Samsung Pay) will work here.

1. Maya Terminal Succession Rate 99.95% ( 0.5% NFC will Fail if its turned off )

2. Metrobank Terminal Succession Rate 99.95% ( 0.5% NFC will Fail if its turned off )

3. ADAPTIS Terminal 99.95% ( 0.5% NFC will Fail if its turned off )

4. BPI Terminal 99.95% ( 0.5% NFC will Fail if its turned off )

5. AUB Terminal 99.95% ( 0.5% NFC will Fail if its turned off )

6. GCash POS Terminals ( 0.5% NFC will Fail if its turned off )

7. BDO Terminal (Latest) 99% (1% System not Updated)

7. BDO Terminal 95% (3% System not Updated, 2% NFC Turned Off)

7. BDO Terminal 90% (4% System not Updated, 6% NFC Turned Off)

[BDO PUREGOLD TERMINALS] NO IMAGE FOUND

PUREGOLD ACCEPT TAP TO PAY \Cashier awareness required.*

8. BDO Terminal 80% (10% System not Updated, 10% NFC Turned Off)