Debit card problem

[Kreole 1,701]

I am a US citizen, and am living here for a year.   The pin number for my Visa debit card is no longer working or I forgot it.  My bank has no way to send me an emergency pin because it is actually attached to the card itself.  So, I have no way to access my funds via a debit transaction.  My bank told me the only option is a cash advance.  What do banks here charge for cash advance in US funds.  Does it make a difference if I get one in peso funds?  I assume the monetary limit is the same as is set on the debit transaction ($500 per day)?  I am in a real bind here and appreciate some advice as to what to expect.  The whole point of a debit is to avoid unnecessary fees.  And I have 6 more months here before I return to the US.   Do all banks charge the same for cash advance or are some better than others?  Thanks

[PapaRay 109]

They should be able to reset you pin have them fed ex it to you.  Or call them see if they can do it by phone

[Kreole 1,701]

I thought so too, but I just talked with them on the phone and they said they cannot reset the pin on my card.  bummer!  So, I have no choice but to use cash advance.

[Siuk 3,564]

Open an account at a local bank, you will have an atm card and access to internet banking the same day (depending on bank). Transfer funds from bank to bank.

 

 

The whole point of a debit is to avoid unnecessary fees.

 

Unnecessary fees are rife using an international atm card here. Both ends take a nice little chunk for themselves.

[smokey 22,071]

I thought so too, but I just talked with them on the phone and they said they cannot reset the pin on my card.  bummer!  So, I have no choice but to use cash advance.

well once i was lazy and used my card on line to send a 50 dollar western union to my son and it seems i had to pay wells fargo 22 dollars for the cash advance of 50 dollars and western union 20 dollars so to do it on line cost 92 dollars be very careful with a cash advance and do one big one and not 10 small ones and get a new debit ASAP

[Kreole 1,701]

has anyone just gone into a bank and made a cash advance?  If so, how much did it cost you above and beyond the money you requested?

[Ronin 1,552]

Open an account at a local bank, you will have an atm card and access to internet banking the same day (depending on bank). Transfer funds from bank to bank.

 

I tried this with a Bank of America to Metro Bank and it did not work. 

 

What local bank do you use?

[ron100 45]

the bank opposite sm ,now i think it was a bdo?? and i needed 2 photo ids,to show as well ,i had passport and divers licence ,and i think it was same cost as atm,

[Mandingo 3,625]

 

Open an account at a local bank, you will have an atm card and access to internet banking the same day (depending on bank). Transfer funds from bank to bank.

 

I tried this with a Bank of America to Metro Bank and it did not work. 

 

What local bank do you use?

I have transfered many, many times from BOA to Metro Bank. I do it online and normally takes 2 to 3 working days for the funds to show in Metro Bank.

 

Call BOA and I an sure they can help you.

[Paul 55,116]

I am a US citizen, and am living here for a year.   The pin number for my Visa debit card is no longer working or I forgot it.  My bank has no way to send me an emergency pin because it is actually attached to the card itself.  So, I have no way to access my funds via a debit transaction.  My bank told me the only option is a cash advance.  What do banks here charge for cash advance in US funds.  Does it make a difference if I get one in peso funds?  I assume the monetary limit is the same as is set on the debit transaction ($500 per day)?  I am in a real bind here and appreciate some advice as to what to expect.  The whole point of a debit is to avoid unnecessary fees.  And I have 6 more months here before I return to the US.   Do all banks charge the same for cash advance or are some better than others?  Thanks

 

I suppose this may depend on the financial institution you are with in the US. But, this is how mine does it:

 

If I lose a card, they FedEx a second one to me. I always receive my card within 3 days. Upon receipt of the card, I ring the credit union up, and they transfer me to an electronic system so I can set the PIN and

activate the card. Afterward, I can used it in most any ATM machine in the Philippines, or for any "credit" type purchases.

 

Visa Debit cards that I have used, have all been the same limits for me.

 

1. ATM withdraw limit $500 USD / 24 hours

2. Visa Debit (using it as a credit card) purchase: $2,000 USD / 24 hours

3. Cash Advance: Any amount, but fees are very high. I think I paid over $60 USD for a Php 100,000 advance. This was in 2007.

Edited February 22, 2013 by Paul

[karma007 60]

setup a local account and transfer the funds.

[Dolsos 504]

If you brought checks with you maybe you can deposit them into a local dollar account then withdraw at an ATM?  Though no idea on how that would work, may take forever for them to release funds on an international check.

 

My bank will also send money to me via MoneyGram if I call and talk to my account specialist, no fee other then what MG charges and I can pick it up instantly.

 

Edit:  You could also try to Xoom yourself some money but I'm not sure if they'd clear it if your IP shows as being here already, haven't tried but its pretty cheap and comes right out of your checking or savings account.

Edited February 22, 2013 by Dolsos

[GoHuk 369]

 

I am a US citizen, and am living here for a year.   The pin number for my Visa debit card is no longer working or I forgot it.  My bank has no way to send me an emergency pin because it is actually attached to the card itself.  So, I have no way to access my funds via a debit transaction.  My bank told me the only option is a cash advance.  What do banks here charge for cash advance in US funds.  Does it make a difference if I get one in peso funds?  I assume the monetary limit is the same as is set on the debit transaction ($500 per day)?  I am in a real bind here and appreciate some advice as to what to expect.  The whole point of a debit is to avoid unnecessary fees.  And I have 6 more months here before I return to the US.   Do all banks charge the same for cash advance or are some better than others?  Thanks

 

I suppose this may depend on the financial institution you are with in the US. But, this is how mine does it:

 

If I lose a card, they FedEx a second one to me. I always receive my card within 3 days. Upon receipt of the card, I ring the credit union up, and they transfer me to an electronic system so I can set the PIN and

activate the card. Afterward, I can used it in most any ATM machine in the Philippines, or for any "credit" type purchases.

 

Visa Debit cards that I have used, have all been the same limits for me.

 

1. ATM withdraw limit $500 USD / 24 hours

2. Visa Debit (using it as a credit card) purchase: $2,000 USD / 24 hours

3. Cash Advance: Any amount, but fees are very high. I think I paid over $60 USD for a Php 100,000 advance. This was in 2007.

 

Interesting.  I have experienced difficulties (i.e.refusals) from the courier companies to transport my credit card and the credit card company will not mail it here.  So I end up having it delivered to an address in the UK and then either hand-carried here or disguised in a letter.

 

So are we referring to both credit and debit cards or just debit cards?

 

HSBC ATMs tend to have a higher limit on the amount allowed - most other ATMs I have tried limit one to a paltry 3000 or 5000 PHP withdrawal.

 

Yes, exchange rates are poor and foreign exchange charges crippling.

 

One last point: is it now possible to open a bank account here without proof of residence?  I remember having difficulty way back when; it was only because my wife is Filipina and it is a joint account that we succeeded. 

 

PS  Pin numbers are encoded in the chip on the card and can only be reset when the card is presented.  I know of no service here in the PH that resets foreign pin numbers.

[ed villas 232]

 

Unnecessary fees are rife using an international atm card here. Both ends take a nice little chunk for themselves.

 

 HUMM, i used HSBC and never been charged a FEE using my bank atm card,

 yes the others do charge a FEE but that is a standard practice now.

[throttleplate 1,904]

all members coming to the ph for the first time let this be a lesson.Always come with 2 of each,ATM and CREDIT cards from different banks to cover these situations and be sure and double check with your bank before you leave the states that they know you will be in the ph using the cards.