danfinn
American expat in the Philippines
Forum posts
1855
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About me
American
Registration: 05 February 2022
Activity
US Direct File won't happen in 2026, IRS tells states by PalawOne
Perhaps of interest .."Direct File won鈥檛 happen in 2026, IRS tells states"By Natalie Alms November 4, 2025https://www.nextgov.com/digital-government/2025/11/direct-file-wont-happen-2026-irs-tells-states/409309/The free service that allowed ...
@PalawOneSo, I'd surely feel sympathy for any in the Philippines who owe taxes to any another country, especially when a country apparently makes it more difficult to obey the law and to pay them? Doesn't seem cricket somehow, or so one may ... Read More
USA SMS 2-Factor Authentication by danfinn
One concern of many USA expats here has been the use by banks and CC card companies of SMS texts for OTP codes when trying to log on to online banking apps and cc's. Since, typically, US cell phone providers would not allow permanent roaming in the ...
Jameelur asked . . . .What happened when you put in a VOIP number? Did it detect and reject that number out right or you just never got an SMS on it after adding it? * danfinn replied . . . . never got SMS otp code ... Read More
USA SMS 2-Factor Authentication by danfinn
One concern of many USA expats here has been the use by banks and CC card companies of SMS texts for OTP codes when trying to log on to online banking apps and cc's. Since, typically, US cell phone providers would not allow permanent roaming in the ...
What happened when you put in a VOIP number? Did it detect and reject that number out right or you just never got an SMS on it after adding it? - @Jameelur never got SMS otp code when using magicJack VoIP. still works on google voice VoIP i believe. Read More
WU Transfers by vehicross100
I found it interesting that through my WU app I can send $ using my debit card to Gcash, PayMaya, Shopee, Lazada, Bayad and a few more. This is all for $0 (FREE) transfer fee and at a rate of 58. My usual Bank to Bank is $2 per transaction and ...
FYI, after reading this I tried to set-up a $400 WISE transfer from my USA credit union to my MAYA card. Results were, transfer direct from bank, instant. I could also use a listed debit card or new debit card where they promised the transfer in ... Read More
WU Transfers by vehicross100
I found it interesting that through my WU app I can send $ using my debit card to Gcash, PayMaya, Shopee, Lazada, Bayad and a few more. This is all for $0 (FREE) transfer fee and at a rate of 58. My usual Bank to Bank is $2 per transaction and ...
@vehicross100In my case I never got that concerned about age, exchange rate and gender.聽I will just see how it goes. Read More
Cutting the cord by Enzyte Bob
Having used PLDT, Sky & Converge for internet, I've cut the cord. All three of those services were good at he beginning. But when problems happened, poor customer service, weeks without internet.I became fed up.So my son bought me a "DITO Home" ...
@Moab762Lastly, use AI to research everything. It's the new internet search. And a million times stronger and faster than searching the internet. Also so dead simple a morn can use it.For important matters, make sure you compare answers across a few ... Read More
WU Transfers by vehicross100
I found it interesting that through my WU app I can send $ using my debit card to Gcash, PayMaya, Shopee, Lazada, Bayad and a few more. This is all for $0 (FREE) transfer fee and at a rate of 58. My usual Bank to Bank is $2 per transaction and ...
I always write a check to my wife from my Wells Fargo USA account which she deposits into her BDO US Dollar account. The cost, no matter what the size of the check is $5. The only problem is BDO claims it takes 30 days to clear, while the full ... Read More
WU Transfers by vehicross100
I found it interesting that through my WU app I can send $ using my debit card to Gcash, PayMaya, Shopee, Lazada, Bayad and a few more. This is all for $0 (FREE) transfer fee and at a rate of 58. My usual Bank to Bank is $2 per transaction and ...
@Andy_1963 Understood, but my source of funds are not coming from inside the philippines. The source is from the US in USD. So regardless if its Wise, WU or BDO, at some point the USD will need to be converted. Thats the challenge to find the lowest ... Read More
WU Transfers by vehicross100
I found it interesting that through my WU app I can send $ using my debit card to Gcash, PayMaya, Shopee, Lazada, Bayad and a few more. This is all for $0 (FREE) transfer fee and at a rate of 58. My usual Bank to Bank is $2 per transaction and ...
@vehicross100 From my US CU to Wise I can do $1000 instantly. But can not do $2000 instantly. That jumps to like 4 or 7 days iirc. Transferring money from Wise to gfs local PH bank account is instant. But have not tried large amounts. - ... Read More
WU Transfers by vehicross100
I found it interesting that through my WU app I can send $ using my debit card to Gcash, PayMaya, Shopee, Lazada, Bayad and a few more. This is all for $0 (FREE) transfer fee and at a rate of 58. My usual Bank to Bank is $2 per transaction and ...
@vehicross100I am following this and very interested in your results. For me, I would like in the future to simply allow my USA bank debit card to expire and use fast ach transfers to move money. It would be great if one could just move the larger ... Read More
WU Transfers by vehicross100
I found it interesting that through my WU app I can send $ using my debit card to Gcash, PayMaya, Shopee, Lazada, Bayad and a few more. This is all for $0 (FREE) transfer fee and at a rate of 58. My usual Bank to Bank is $2 per transaction and ...
Discard Read More
WU Transfers by vehicross100
I found it interesting that through my WU app I can send $ using my debit card to Gcash, PayMaya, Shopee, Lazada, Bayad and a few more. This is all for $0 (FREE) transfer fee and at a rate of 58. My usual Bank to Bank is $2 per transaction and ...
Just thought - investigate the MANY advantages of having a GoTyme account. They now allow foreigners with an ACR card to open online. Card is delivered free and ATM withdrawals (at any bank) are just charged at the standard 18peso fee. I believe if ... Read More
WU Transfers by vehicross100
I found it interesting that through my WU app I can send $ using my debit card to Gcash, PayMaya, Shopee, Lazada, Bayad and a few more. This is all for $0 (FREE) transfer fee and at a rate of 58. My usual Bank to Bank is $2 per transaction and ...
I assume with a Phillipine bank account you can use their debit card at their atms without a fee?I can't get Gcash like I said. I have a goatee. Lol!But I also don't pay my utilities directly. Our landlord does. We just send one payment to them. ... Read More
WU Transfers by vehicross100
I found it interesting that through my WU app I can send $ using my debit card to Gcash, PayMaya, Shopee, Lazada, Bayad and a few more. This is all for $0 (FREE) transfer fee and at a rate of 58. My usual Bank to Bank is $2 per transaction and ...
@danfinn I had the same problem with Plaid and my CU. I discovered after multiple customer service calls. That my phone number was entered into the incorrect field. I think it was in the Home field and not the Cellphone field or something simple ... Read More
WU Transfers by vehicross100
I found it interesting that through my WU app I can send $ using my debit card to Gcash, PayMaya, Shopee, Lazada, Bayad and a few more. This is all for $0 (FREE) transfer fee and at a rate of 58. My usual Bank to Bank is $2 per transaction and ...
@danfinnI don't understand the advantage of using Gcash or Maya over Wise anywhere in the Phillipines? Transfers from my US CU are instant. Transfers to my GFs local account are instant. I couldn't get Gcash because my goatee registers as a mask ... Read More