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On 10/30/2017 at 8:49 AM, A_Simple_Man said:

With my ex gf I set up a bank account for her in Phils and was able to transfer to it and she could withdraw on an ATM card.  But the problem was she did not accept that if her balance runs below 2K pesos then there is a service charge of somewhere between 300 and 500 pesos (depending on the bank) per month.  So when I put 5,000 pesos a month into her account you could count on 10% of that evaporating as service charges and she couldn't figure out . . LEAVE 2,000 IN THERE!

I have one  BPI account for me and a joint account wife have an ATM card for that one

I online transfer from my account to the shared account, so wife can get money with her atm card

minimum ballance is 3000, I had my bpi branch lock the account at 3000

so minimum ballance will always be 3000

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