r/DigitalbanksPh

Someone I know (except not so much they're like a friend of a friend) brought up my account info and I’m not sure if that’s appropriate. Also, the bank already sends official reminders about dues, so I don’t think it’s necessary for someone to bring it up personally. Is this normal/allowed, or is this a privacy issue? Am I being sensitive and overreacting? Did I misinterpret his intentions in a negative way?

Gusto ko lang ishare this super super sulit find ng Ella Shoulder Bag.

Super tipid na nga from the outlet store, mas gumaan pa lalo cuz of MariBank’s 0% FX fee + 132 cashback pa 🥹🥹🥹

If UnionBank Gold CC ginamit ko, edi imbes cashback, nadagdagan pa ng 132 yung price dahil sa 1% FX fee 😂

Not trying to flex, just genuinely happy with the savings and how smooth the transaction was. Sharing the video here in case it helps anyone thinking of doing the same 😊

SKL. In case you’re not aware, it’s better to directly withdraw in USD instead of converting through PayPal first.

So I’ve been doing paid surveys lately, and some of the payouts are in USD.

I tried checking which method gives the best conversion, and based on my experience, GoTyme seems to work best so far.

Just make sure your card is receiving USD (or avoid converting to PHP too early) before you withdraw, so you can get a better rate.

Additional note:
I made the transfer on the same day for both GoTyme and Maya para ma-compare ko.

STEPS FOR USD CARD CONVERSION:

1. You just have to link your Maya/GoTyme card (Pwede virtual or physical card) sa PayPal.
2. Message the customer support, tell them you want to convert the card to USD.

Message:
I would like to request to change the currency of my linked card to USD. Please set my card (Maya/GoTyme ending in ****-- last 4 digits ng card) to be billed in USD instead of PHP. 

I would like my card to be billed in USD so my bank handles the conversion.

Then you just have to wait until their customer support agents go online and they will process it easily.

3. You can withdraw the USD directly to your Maya card na without converting to PHP.

Si mismong maya na ang mag-coconvert niya. Which means wala ng extra fees from PP.

Previously, may announcement si Maya na ganto kaso parang di natuloy. Pero now, it looks like it's finally happening this coming May.

Boosted rates remain the same naman as per their website

so meron akong S22+ Ultra from Australia, merong Add Card payment option sa Samsung Wallet since that its AU Region Phone.

Tinry ko iadd ang BPI Debit Card ko sa Samsung Pay and meron na din siyang Terms and Condition indicating with Debit Card and Credit Card of BPI.

before sa S23 PH Region ko naoopen ko yung add card option na nakatago sa notification bell ng Samsung Wallet, kaso inupdate nila kaya nawala ang add card payment.

Landbank lang talaga ginamit ko for a while, so when reached my first 100k after many months of saving, I figured it was time to try investing. Is this a good idea?

Nabalitaan ko nga na 3% nalang ang base interest ng Maya Savings starting May 1. At pagkacheck ko ng notification bell nakita kong may promo na 1% for one year pero may spending requirement na 40k until May 31 lang. Sa tingin niyo, worth it ba kumaskas ng 40k?

Who else here na meron din ganitong offer kay Maya?

Effective May 01. Pababa ng pababa si Maya. So if di mo masyado ginagamit Maya mo for payment much better ilipat sa Maribank na may 3.25% per annum.

Sa umpisa lang talaga sila mataas, pag dumami na client nagbabago na.

Last April 18, 2026 nagwithdraw ako ng Php40k from Lazada Wallet to Maya. Sa Lazada Wallet naka-"request approved" na siya since April 18 pa. Pero hanggang ngayon wala pa ring magrereflect sa Maya Wallet ko😔. Nakalagay naman dun : "Funds are typically available instantly, but may take up ti 5 business days deoending on your bank". Pang 6th business day na ngayon, pero wala pa rin po🥹.

Normal lang po ba ito or dapat na akong kabahan?🥲

Track mo yung savings mo para mamotivate ka lalo mag-ipon.

Ganun din yung expenses mo para malaman mo kung saan ka dapat magtipid.

People focus on earning more money but don’t track their expenses.

Kaya madami pa rin ang walang ipon kahit malaki ang income.

Sabi nga ni Robert Kiyosaki:

“It’s not how much money you make, but how much money you keep.”

App used: Lemoneyd - Finance Tracker

1st account opened January 2026

2nd account April 2026

Accumulated net interest around 10k per month

Just passive income per month

Still have some other investments baka meron na naman mema dito haha

Using banKo for holding some of my extra cash for the passive interest. No task needed just deposit your money with decent interest.

Shahhahskakakai76wyeygdhxnznBbz gn