Big online banking misconception about online banking in Manila

October 21, 2008 by reyna14
Filed under: Business & Economy, Online banking 

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onlinebanking_pinas.jpg Pauunahan ko na kayo. My entry today will not demean or i-ismol-ismolin, ookray-okrayin ang online banking in the Philippines. I hope my entry will offer a sense of angelic enlightenment (o di ba?) to all of us who have lived in the western world who have experienced what online banking there means and are clueless as to what they do over here in Manila. Here, don’t be fooled. Behind all these glittering business towers in Manila, swanky malls, very courteous security guards, pretty ladies at the counter and way slow customer service, online banking here is so archaic, it’s one level above Barrio Siete banking. Angry?! Annoyed?! Surprised?! Let me explain.

First, let me explain what an online banking in the United States means.

In the US, you can open a bank account online - as in ONLINE. In the dark corners of your room. In the highest mountain. Alone. Anywhere. For as long as you have an internet connection and a valid social security number. The opening amount you need to deposit? You can mail it to them. You could even charge it on your credit card. If you already have a bank account somewhere, you can easily transfer a minimum deposit which could be as little as $50. Some, $10. Next, you enter all of your credit card account numbers, utility account numbers so you could pay those bills online. No xerox copies, nothing. You can easily transfer funds from your accounts or even inter-bank transfers. You can pay John De La Cross from anywhere in the United States. Anyone. That’s how easy it is. You can finish it while having sex. That fast.

If you’re a regular reader of reyna elena, you would have known that I am very frustrated with the online banking I have with my bank here in Ortigas. Online means, I have to call (international) the bank and request for the balance of my accounts. The transactions? I get them when I get home. Now, not all the time I have money. So guess what, there were times when my checks were bouncing at which time, taranta ako to cover the negative balances.

I’m an accountant. Go figure. I should have my own darn records. Plaster lazy on my name because I don’t maintain nothing. I rely on technology. After all, wasn’t technology invented for lazy people like me? A lot of you have suggested Metrobank. Other said that BPI is better. Some said to stay away with PNB. Others said that BDO is the better of all the fairies. I have to narrow my choices to Metrobank ang BPI because those were the only banks that I know have US branches. Between the two, a lot of you convinced me to go BPI because they have an excellent online banking.

Online banking. Excellent. Ok. Let me try that then. So, I went to BPI Express Online in Ortigas along Julia Vargas ata yun, near Discovery Suites.

I’d say the nice lady at the counter immediately treated me like Mogli with all the PhD’s hanging all over my body. Kala nya alam ko na lahat. Halller! Indi ako naka-toga wid kom lawde plastered in my head! Well, I guess talaga lang nga kabayong cute na intellectual ang dating ko.

“Why don’t you explain to me kung ano ang mga choices ko, para I would know. I just want an online banking para pag nasa Mars ako, I can pay utilities, my condo fees and my condo mortgage payments.”

She said, “Checking“? Yes, checking. Ilang checks daw ang kelangan ko. Huh?! Kala ko ba online ang topic naten? Malaki daw kasi ang maintaining balance. Sa isip ko, eh ano ngayon? Problema ko yun di ba? Ready akong mag-maintain nang $1,234,567,890! Grrr! Heheh! Charing lang. Eh, kasi meron daw mas mababa. Savings. Php3,000 lang ang maintaining balance. Huh? Eh di ba you can’t write checks sa savings account?! Pwede daw. Enroll daw nya ako. Ah-ok. So eto na.

Tinuro nya ako sa bulletin board. Yan po ang mga lapidang kelangan namen. Ready ako. Magaling ang na-hire kong secretary. Leche ang sweldo nito. Laptop. Grrr! So, I gave her my Philippine Driver’s License, my PRC card, at nilabas ko na yung mga utility bills ko. Meralco. Yeap, Meralco na lang. Why? Eh pinaputol ko na PLDT. Pinaputol ko na rin ang cable. Nagnanakaw na lang ako. Yung tubig, built in sa condo payments.

Next, kelangan daw xerox copies nang mga cedula ko - driver’s license and PRC card. Akala ko, ise-seroks nya dahil nakatanga ako sa harap nya. Leche! Ako pala ang mag-papa-seroks. Grrr! Dun daw sa tapat sa center center sum’tin sum’tin tapat nang Global Intel Bldg ata yun. So, ayun, rumampa ang lola at iritang tinawagan ko ang secretary ko! Grrr!

Done. Tagaktak ang pawis ko. Mistulang pasig river ang singit ko. Balik ako sa BPI.

So, settled na kami sa P3,000. Napansin ko, she did not asked for my condo payees and everything. So, sabi ko, pano tong mga condo payments ko?

“Ay, hindi po yan pwede Sir! Utilities lang.”

Leche! Shock ako! What good is this online banking kung di ko maipasok ang condo payments ko?! What good is this online banking kung di ko mapadalhan nang mga allowance ang mga boylets kong si Badoodles? Ely? Maldito? Magkano lang naman ba ang P50,000 weekly allowance nila aber? Eh ang haba pa naman nang boys pages ko! Makikita ko naman daw ang transaction sa Amerika. Pati balance. Ang alin? Ang Meralco? Mag-oonline banking ako dahil lang sa Meralco? Magkano monthly ko sa Meralco when I am not in Pasig? P39??? Ano kaya bilhin ko na lang ang Meralco? Magkano kaya sila? Paki-tanong nga kung pedeng bilhin!

Gaya ni Maru, nag-init ang utong ko. Tigas na tigas na talaga ako sa galit. Dumaan ako dun sa Mart Mart sumtin sumtin, humigop nang kape, bumuga nang sigarilyo. Me bata, binilhan ko nang P20 na tinapay. Pati yung pulis pasig sa kanto muntik ko nang bilhan nang camry. At least me isang soul na napasaya ako. Yong perang pang-deposito kong umaabot sa P123,567,890? Susunugin ko na lang mamaya.

Lecheng online banking na to! Hmpt!

reynaelena_signature.JPG
P.S. kapuy ang banking sa Pinas
Marami pang NFA rice ang lalamunin nang banking sa Pinas to be world class sa online banking. Which is interesting dahil, there are so many OFW’s na nagpapadala nang pera and I know, I am not the only one na nahihirapan sa lecheng banking system na to. I hope, there’d be some improvements soon.

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43 Comments on Big online banking misconception about online banking in Manila

  1. lucresia on Tue, 21st Oct 2008 6:09 am

    2. leche ka reyna! LOL maligaya na kami sa kakarampot na achievement! yaan mo after 50 years iimprove den kami LOL wag mo naman masyadong ichallenge ang banking namen baka maudlot dami pa talagang kelangan gawin bago maging world class LOL

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  2. lenski on Tue, 21st Oct 2008 6:09 am

    3. ‘daaayyy…grabeh ka…wag mo namang sunugin yung P123,567,89O Pesos harharhar..akin na lang!!!! HAHAHAHHAH

    lenski’s last blog post..Chocolate For The Woman?s Soul

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  3. reynz on Tue, 21st Oct 2008 6:12 am

    4. hahaha! reklamadora to the hilts ba? hahaha! pramis, bukas na bukas den, wez na me reklamo hahaha last na to! hahaha

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  4. reynz on Tue, 21st Oct 2008 6:13 am

    5. an yaman yaman mo day! hahaha! mas kelangan to ni native hehehe! pambili nang bagong spartan hahaha

    reynz’s last blog post..Big online banking misconception about online banking in Manila

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  5. lenski on Tue, 21st Oct 2008 6:22 am

    6. hahaahah day, dapat siguro palitan mo na ang domain mo. gawin mong….

    http://www.reynareklamadora.com

    loves it!!!!!!!!

    lenski’s last blog post..Chocolate For The Woman?s Soul

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  6. reynz on Tue, 21st Oct 2008 7:15 am

    7. leche! grrr! bukas na bukas, dalwa na laptop mo! hahaha yung isa iwan mo sa bahay hahaha

    reynz’s last blog post..Big online banking misconception about online banking in Manila

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  7. umleo23 on Tue, 21st Oct 2008 8:10 am

    8. oh! I think wala taung magagawa sa online banking nila unless they change it to something better which they will need to spend money na alam naman nating wala ang Pilipinas…

    Pero ung part na ikaw pa nag pa-photocopy nung docs mo??? Gawd! What kind of branch ito at maireport sa tito ko na taga BPI! They have machines there! dapat sila na ang nag photocopy…

    By the way I am an employee of a bank ;) Ever since. I was with International Exchange Bank before and never nautusan ang mga clients na i-photocopy docs nila! Kase may machines duon at for service purposes! Now wala na ko sa ibank dahil nabili ito ng tae na isa pang malaki ngunit kuripot na bank UNION Bank (sorry sa mga taga union pero kuripots sila as in). ang servers nila, electric fan ang katapat para hindi uminit! LOLz Pero nasa isang bank pa rin ako na base sa zurich

    umleo23’s last blog post..Balik Isip Bayan!

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  8. umleo23 on Tue, 21st Oct 2008 8:11 am

    9. ung padala mo pala di ko pa natatanggap… wala pa akong aloowance… baket delayed ata ngayun?

    umleo23’s last blog post..Balik Isip Bayan!

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  9. nina on Tue, 21st Oct 2008 9:14 am

    10. Hahahahahhaha….Welcome to the reality in Phil Banks. Akala ko ba nag-apply ka na sa NY eh bakit ngayon ka pa lang nag-aapply sa pinas?

    Normal sa Pinas yong mga empleyado ng bangko na hindi alam ang services na inooffer nila. Yong na-encounter mo na satff sa bpi - much worse sa Metrobank at Euitable (now, BDO). Mas konti ang aanga-anga sa bpi!!! Sorry ha kung may readers from Metrobank and Equitable/BDO.

    Issue talaga yang xerox-xerox na yan. Dito pag pumunta ka sa bank, they will photocopy it for you. They will even write all the info for you. Pipirma ka na lang. Sa pinas - kailangan may dala ka ng photocopy. At naku ha, ang dami kailangan i fill-up. Buti nga may dala ka ng MEralco bill kasi kailangan ang proof of billing at gusto nila utility bills.

    Yong checking baka di talaga nila payagan - they require 6 months of banking relationship first. Kaya nga ako napadpad sa HSBC kasi doon kahit walang 6 months banking relationship pwede ka mag-open ng checking account mahal lang nga ang maintaining balance - P100T pero ang maganda doon combined savings and checking at pwedeng multi-currency so ke dolyares or pounds pera mo pwede. Tapos pwede ka magtransfer sa Pinas or abroad. I kaw kasi sabi ko s’yo HSBC sabi mo sa BPI na lang dahil meron sa NY.

    Yong sa condo naman hindi talaga nababayran yan through transfers. Nag-inquire nga ako sa Ayala Land eh di ba sa kanila ang BPI pero hindi pa rin pwede bayaran through auto debit from BPI account. Cheque pa rin ang hinihingi. Minsan maiinis ka na lang. Heto isang OFW gusto bumili ng property. Gusto ng developer cheque. Punta ka sa bank - ang hirap ang-apply. Ending? Sa inis mo ayaw mo ng bumili.

    Dyan sa Pinas - kulang na lang sabihin sa’yo ng bangko wag ka mag-open ng account. Ang minimum deposit/balance P3,000 pag bumaba sa P3T mumultahan ka ng P100. Magkano lang ba nag minum wage - P400. Pano ka pa talaga makapag-open ng savings. Ilagay mo na lang sa ilalim ng unan.

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  10. roni on Tue, 21st Oct 2008 9:43 am

    11. bwahaha! yin=yang, too much of each creates phenomena. piktapos ng saya, kelangan me dusa, hahaha.

    roni’s last blog post..cheer up man!

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  11. Nebz on Tue, 21st Oct 2008 12:34 pm

    12. reynz, ipinadala ko pala ang pangalan mo sa Red Cross, Bantay Bata, Tahanang Walang Hagdan at Boys Town. sabi ko ikaw ang pinakamayamang OFW sa balat ng US. hinihintay nila ang donasyon mo. tsaka nga pala pinadala ko na ung bago mong baptismal certificate. ikaw na ngayon si rica peralejo, este, ‘donya’ rica peralejo. ay, bakit ko na-cc ang Abu Sayyaf? Shet!

    Nebz’s last blog post..Says Fritz Ynfante: You practically bore me

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  12. bebe on Tue, 21st Oct 2008 1:46 pm

    13. “Here, don?t be fooled. Behind all these glittering business towers in Manila, swanky malls, very courteous security guards, pretty ladies at the counter and way slow customer service, online banking here is so archaic, it?s one level above Barrio Siete banking.”

    korek lola, kahit gaano kaganda ang mga malls, buildings, etc. when it comes to banking, hindi kayang pagtakpan ng mga chorvalais na yan na 3rd world kawntri ang pinas. magkapitbahay lang tayo sa ortigas, ayun postdated checks din ang pambayad sa aking dampa kasi di pwede ang online banking, kainis.

    at korek ka pa rin na jujunga junga ang mga new accounts clerk ng mga banks dyan kasi naman ang qualifikeyshen para ma hire as a frontline bank employee…basta matangkad, at with pleasing personality okey na hehe. ang mga leche walang ginawa sa backdoor kundi mag curlers, mek-up, lipistik at kung ano ano pa. magaganda nga, mga ‘bobita’ naman!!! pero hindi naman lahat, meron din naman maayos magtrabaho. nagwork kasi ako sa bank before kaya alam ko hehe.

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  13. reynz on Tue, 21st Oct 2008 2:40 pm

    14. eh leche naman kasi yong sa New York, sabi saken, I can apply online which I did. nag-apply ako online and just like what she explained to me on the phone, ipapadala daw by mail ang confirmation. i called back, left a message, walang tumawag dahil i was following up yong online application ko, nairita ako, walang dumating, lilipat na lang ako nang chicago wala pa rin, kaya sabi ko dito na lang ako mag-aaply.

    tama ka dun sa last paragraph kasi - leche grabe pa namang init naglalakad ako sa kabilang road di ba - tagaktak pawis ko, iniisip ko pangkin kong nakatira sa squatress na pano eh 300p day lang sya, pano sya makaka-open nang account? kaya pala walang mga banking banking yon mga pangkin ko hahahah

    yong whole drama ko lang naman really para masolve ko ang condo payments ko, leche ang hirap!

    reynz’s last blog post..Big online banking misconception about online banking in Manila

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  14. reynz on Tue, 21st Oct 2008 2:41 pm

    15. hahaha ganun ba yon?! hahaha

    reynz’s last blog post..Big online banking misconception about online banking in Manila

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  15. reynz on Tue, 21st Oct 2008 2:44 pm

    16. hahahah tatanggapin ko yong boystown hehehe pwede ako dun, hermana mayor hahaha credit card balances ko yung sinabi ko sa taas, tanggap bang mayaman ako? hahaha

    reynz’s last blog post..Big online banking misconception about online banking in Manila

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  16. reynz on Tue, 21st Oct 2008 2:47 pm

    17. can u imagine kung mag-offer ang mga banks nang services na ganito? indi lang yong puro kolekta sa OFW? i mean, am sure maraming OFW na bumibili nang bahay at nahihirapang magbayad through the regular channels! wisk ko mag-improve ang online banking dito sa pinas dahil kairita ang present system

    reynz’s last blog post..Big online banking misconception about online banking in Manila

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  17. reynz on Tue, 21st Oct 2008 3:16 pm

    18. chika ko lang ung photocopy hahaha, it’s annoying, dapat customer indi na ginagawa yun actually kung tunay na customer service sila, kaso nasa kabilang kalsada ung photocopy center, di daw ako nagbasa, ah - ok so kasalanan ko rin hehehe

    but it’s not that. kahit na pagpawisan ako, yung online payments sa condo ang gusto kong isolve. kaya very limited pala ang lecheng online banking dito. and even if you want your utilities paid online, pupunta ka pa rin to bring your original bills hahaha

    reynz’s last blog post..Big online banking misconception about online banking in Manila

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  18. reynz on Tue, 21st Oct 2008 3:17 pm

    19. nakaaa! kung itutuloy mo yung ginawa mo sa video sobra pa sa uber ang ipapadala ko seyo hahahaha

    reynz’s last blog post..Big online banking misconception about online banking in Manila

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  19. maxi on Tue, 21st Oct 2008 4:49 pm

    20. hala lagot ako, kasi yun nga ang suhestiyon ko seyo, pro kasi naman ikaw me binabayaran kang kubo eyy iskwater ako kaya wezz ko alam ang ganoon! ako naman yung online banking ko yun lang pang tuition ng mga boylets at gerlets, saka isang deposit lang thru my NY account then transfer lang ng $5 per post bawat estudyante. Di naman masyadong complicated ang transactions ko kaya pwede na sya. Saka tama ka mga pleasing personalities meron sa front desk nila wez naman copra sa loob sayang ang fez.

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  20. mogLi on Tue, 21st Oct 2008 8:31 pm

    21. Reynz, nakuha mo agad yung one of the reasons kung bakit archaic ang sistema natin dyan when it comes to online transactions, not only in banking: “valid social security number”. Panahon na talaga para ipasa yung national ID card na yan eh. In most of europe, especially here in welfare states in the north, everyone is issued a personal number which is basically your date of birth plus 4 extra numbers. Kahit anong klaseng transaction mo, que government or private agencies, eto lang kailangan mo. Thanks for the shout out, btw!

    mogLi’s last blog post..Alien Extraordinaire part I

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  21. reynz on Tue, 21st Oct 2008 9:54 pm

    22. hahaha oo day dami kong utang sa manila hahaha kaya hanap me ways to simplify things eto nga pero ok lang balik ako sa dati kong gawi na pag walang pera taranta sa amerika hahaha

    reynz’s last blog post..Big online banking misconception about online banking in Manila

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  22. reynz on Tue, 21st Oct 2008 9:58 pm

    23. nawala nga yung national id system and i “think” i know exactly why there is so much opposition sa ID system. i hope someone up there brings it back up dahil even the credit system dito di pa rin nag-improve.

    reynz’s last blog post..Big online banking misconception about online banking in Manila

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  23. antuken on Wed, 22nd Oct 2008 3:31 am

    24. ahahaha. i for one, haven’t experienced yet how online banking is in other countries. natuwa na ako na yung pldt at meralco bills ko e pwede kong bayaran without taking a leave of absence sa work. ang kairita eh hindi mo mabayaran online ang ibang credit card bills mo. they only accept credit card payments kung credit card nila. kung credit card ng ibang bank, wiz pwede. so kelangan mo pa pumunta ng mall or bank to pay your credit card bills. sus.

    antuken’s last blog post..raffle numbers round 2

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  24. reynz on Wed, 22nd Oct 2008 3:42 am

    25. hahaha i remember lumilinya pa ako sa bayad center which means pag nag-improve ang banking system dito, wala na ang bayad center di ba?

    eto pa nga, hirap kamo mag transfer nang funds from one bank to the other kairita hahaha

    reynz’s last blog post..Dampa: Take 2

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  25. kengkay on Wed, 22nd Oct 2008 7:54 am

    26. eto ang shocking boogie talaga — si kengkoy ko bangkero na yan ha pero hindi rin nya maintindihan ang online banking ng bangko nila, hehehe. pero tama ka nga, sa pinas ang hilig nila ng xerox xerox na yan. dito rin kapag may xerox, sila mismo ang nag xe-xerox. dito nga walang ID minsan na hinihingi, basta bigay mo lang name, address at tel number mo, pwede na- kaya kung manggagantso ka talaga at fake lahat nung info na binigay mo, edi dami mo agad nakurakot, hehe

    kengkay’s last blog post..meron ka bang kinatatakutan?

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  26. reynz on Wed, 22nd Oct 2008 8:31 am

    27. si husband?! hahaha

    kaya di ako naniniwala na magiging first world nation ang ating turd world kawntri pag di nila ginaya ang ID system sa ibang bansa dahil yun ang mag-oorganize nang transactiones dito, an labo di ba?

    reynz’s last blog post..Dampa: Take 2

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  27. sasha on Wed, 22nd Oct 2008 3:11 pm

    28. Hay Reynz, pang-ilan ka na bang naringgan ko niyan? Hehehe… Yung boss kong Aussie dati, naloka rin sa online banking natin. Online pero papupuntahin siya sa main office ng bank para dun sa officer mag-transact! Hahaha… Yung mga expat na puti naman sa dati kong office rin, naloloka kasi bago ma-done ang electronic transfers nila, inaabot ng siyam-siyam! Malayo pa talaga ang online banking dito sa Pinas compared sa ibang bansa. I think mas magaling pa ang ibang Asian countries sa atin eh.

    sasha’s last blog post..WAH Moments and WS#30: New Desktop

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  28. lenski on Wed, 22nd Oct 2008 10:14 pm

    29. @antuken,

    ‘dayy…if bancnet atm mo…try mo bancnetonline dot com. you can pay almost anything there - credit cards, loans, utilities, insurance even SSS. super convenient.

    lenski’s last blog post..What Good Does a Sauna Do?

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  29. reynz on Wed, 22nd Oct 2008 10:29 pm

    30. applikabol ba yang bancnet payments sa mga problema ko? usap nga tayo habang me time pa me mag-apply hehe

    reynz’s last blog post..Dampa: Take 2

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  30. reynz on Wed, 22nd Oct 2008 10:32 pm

    31. nasa elementary days pa lang kasi ang online banking dito, wala pang connnectivity with other banking institutions at wiz pa nila recognize ang ibang businesses kaya misleading talaga hahah kala ko western sytle na, tipo bang online inhouse pa rin dito

    reynz’s last blog post..Dampa: Take 2

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  31. dorris on Thu, 23rd Oct 2008 9:09 am

    32. Online banking ako sa Citibank, HSBC at BPI. I am more on banking security kahit na medyo mabusisi mag sign up for an account.

    Sister ko, mukhang walang problema with BPI. Lahat ng Phil transactions niya, ito ginagamit. Naipapadala nya rin iyong share nya sa condo payment namin sa account ko ng walang problema. Ako, ginagamit ko lang online BPI sa pag check lang ng balance.

    So far OK naman ako with HSBC. Actually ang HSBC Phil ang isa sa first na nag issue ng extra security device, way ahead of HSBC Singapore. Dito sa Singapore, I am using a different bank (a local bank). Kagaya ng sinabi mo, the national ID system makes everything so easy. Walang problema to check your savings, gumastos at magbayad.
    (Of course the downside of the ID system, like alam ng government na mahilig kang mag basa ng Red books, ay OT na).

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  32. reynz on Thu, 23rd Oct 2008 9:47 am

    33. Naipapadala nya rin iyong share nya sa condo payment namin sa account ko ng walang problema. - YOU MEAN, you can pay your condo payments through BPI? baka naman BPI yong me ari nang condo mo? curious lang me, kasi ayaw nila tanggapin yung payee nang condo ko which is DMCI. so yun nga ang problem ko dahil, limited lang daw sila sa utility payments.

    reynz’s last blog post..Law of attraction

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  33. antuken on Thu, 23rd Oct 2008 12:19 pm

    34. @malen — hahaha, bpi din yung saken. tapos yung isa kong credit card citibank. haysus.

    antuken’s last blog post..delivery ho!

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  34. bloggista on Sun, 26th Oct 2008 4:01 pm

    35. Hi Kamahalan, tagal ko na di nakada-an dito. But it was a pleasure meeting you the other night at Pagcor. Grabe, kaya pala inubos mo yung baon mo na Php123,456,789 dun sa casino chips, dahil pala dito sa kaka buset na eksena. LOL.

    ITs very unfortunate that besides being one of the most talented people in the world when it comes to IT, but our banking system is all pa kyuti lang. Parang Camry na ang makina, owner type - 2k.

    Dati nga, mag deposit kalang sa BPI somewhere not your home branch, pagbabayarin kapa 100pesos! Kaya till now, wala ako account sa BPI na yan, aside from wala ako pera pang open account - kaka sira ng ulo mga yan. Mapupuno tong comment form kung isa isahin ko at bka ma spam. :-)
    Goodluck to you. more pwoer!

    bloggista’s last blog post..Bloggin? on Valentines

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  35. reynz on Mon, 27th Oct 2008 2:08 am

    36. hello there bloggista! thank you for finally stopping by!

    big irony talaga ang IT and then banking nang Pinas. was i expecting too much? i guess considering na masyadong magaling ang mga pinoy, maybe i did expected too much siguro. hahaha

    reynz’s last blog post..One pricey call boy?s nite in Makati: Bawal omorder nang wine!

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  36. nina on Tue, 28th Oct 2008 12:11 pm

    37. i don’t know hy I wasn’t receiving follow-up comments in my yahoo addy…Anyways, mahirap talaga. Next time, try HSBC - expensive to maintain but you can make local and international transfers. So far, wala pa akong problem sa HSBC.

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  37. nina on Tue, 28th Oct 2008 12:16 pm

    38. alam mo ba yan ang biggest problem. Imagine OFW ka. Gusto mo bumili ng property pero ang requirements - PDC. PUnta ka sa bank ang daming requirements. Leche. At hindi ko maintindihian bakit hangga ngayon nirerequire yong lintek na cedula na yan!!!

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  38. reynz on Tue, 28th Oct 2008 12:28 pm

    39. tumpak ka dyan, nakapa-unfriendly nila! it’s as if malaking kasalanan ang bumili nang property! yan ang irony nang customer friendly call center image nang pinas di ba?

    [Reply]

  39. reynz on Tue, 28th Oct 2008 12:31 pm

    40. subukan ko, pero at least alam ko na ang definition divide pag sinabing ONLINE, kasi everytime sasabihin nang mga kaklase ko in Manila na online banking na rin sila, what i had in mind eh yong klase nang online banking sa US which is completely different sa online banking sa Pinas hahahaha! na-onse ako dun ah!

    yeah, next time i’m gonna visit HSBC and see if they have the answer sa mga kestyons ko! thank you!

    [Reply]

  40. leela on Thu, 30th Oct 2008 8:28 am

    41. it’s not fair to compare online banking in the US and in the philippines. una, technology-wise, hindi naman kasi magkapareho. second, some of your comments like money transfers are actually available here sa pinas. third, it’s not fair to expect the same services in the US and sa pinas. gaya yung sa condo payments mo, pinipili lang naman talaga ng mga local banks yung “accredited merchants” nila. finally, US’s online banking experience is not necessarily better. as it is, dahil sa mga online transactions na yan kaya ang daming amerikano ang naloloko ng mga nigerian scammers. pag nalaman lang ng scammer yung credit card numbers/bank records sa US, wala na, nalimas na lahat ang pera mo.

    leela’s last blog post..Unilab Ba Yan?

    [Reply]

  41. reynz on Thu, 30th Oct 2008 10:34 am

    42. hahaha alam ko me aalma eh hehehe kaya pina-unahan ko na!

    well, you’re right, i should have not made the comparison hahaha, kaso what’s in the definition, di ba?

    i have problems and as an overseas pinoy owning a property or at least trying to own one, gusto ko syang ma-solve kaya when they would say “ok na ang online banking”, i did not realize that there is a big disconnect in so far as what “online banking sa pinas” and “online banking sa US”.

    i think my experience is valuable sa mga di nakakaalam dahil - ang online banking in the Philippines is only limited to “THE BANK”, yong IISANG BANK lang. Kaya pagdating sa interbank transactions, andaming hassles.

    second - it touches on the national ID system. kaya it’s very disorganized and very limited. it’s online banking but way tooo limited. if you can’t pay anyone online, then sometimes, i doubt if they should call it online banking kasi ang counterpart sa west is iba so it must be called something else dahil nakakalito.

    third - naku, off na yung nigerian comments mo. di na problema nang bangko yun. problema na nang mga GANID na tao un. Ganid na Nigerian at ganid na merkano. you know what i mean?

    [Reply]

  42. antipatika on Fri, 31st Oct 2008 4:42 am

    43. madami pa talagang pag aaralan sa online banking natin sa pinas.heheheh! totoo naman na minsan mismong taga banko walang idea sa pag online banking eh. Na experience ko yan at kung hindi ko lang sha friend malamang tinaob ko na sha sa upuan at hirap na hirap na din ako mag explain sa kanya.hahahah!

    antipatika’s last blog post..Mission accomplished

    [Reply]

  43. alan on Tue, 10th Mar 2009 12:51 pm

    44. Great post, really help me a lot. Thanks

    [Reply]

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