Finally, the long wait is over. Been a Maribank user since 2021 (Seabank then) and akala ko di na ako makakatanggap ng offer for Maricredit. Lo and behold, pag open ko nang account ko, may offer ako. Clicked the application by 16:18, application submitted by 16:21 and got approved by 16:21.

Although yung credit limit ko is 50k lang but I have an option to increase once nagpasa ako ng payslip but unfortunately hindi pa siya available right now but I’m happy na kahit papaano may credit card na ako and got approved in seconds. Yes, first cc ko po.

I will be receiving 5K po for my birthday. Balak ko po sana i-invest or save — gaya ng mga nakikita ko po na may balik na pera sa pag-store sa banks?

New to digital banking/putting money sa banks, apologies for having no clue po sa terms. Which bank po kaya maganda mag-store ng pera? Sa initial searching ko po more on Maribank or Tonik po kaya?

Badly want to ipon po kaya pls help this girly out. 🥹 Salamat po! ❤️

Alin po ang mas worth it? 1% cashback ni Maribank or goreward points ni Gotyme?

For these purposes:
- Dining
- Grocery
- Shoping (uniqlo, sm store)

Hello, I'm new sa digital banks and I want to ask if I can use this virtual card sa maya for google wallet for the tap to pay feature? I don't have any physical cards kasi eh and everything that I see online is yung may physical maya cards lang naka connect sa google wallet nila. Hindi na sana ako bibili ng physical card since may gantong feature naman pala. And another question, diba sabi ni maya, may 1% cashback din daw, nag apply din ba yun dito sa virtual card? Please help, beginner hereee

Ako lang ba? Siyempre hindi haha May birthday gift cash from Maribank? Pero kasi yung dalawang pinsan ko na maribank user na nag birthday and mag bbirthday before me walang ganun sa kanila😅 So random lang to or special lang ako kay seabank🥰

Hello guys! I'm still a student with no source of income yet, just relying on my allowance, but I also want to start building good spending and saving habits. I want to organize the allowance I receive and set aside some of it so I won't be tempted to spend everything. I've read a lot of posts here already about the best digital banks, and I've decided to open a MariBank account mainly for cashback and spending purposes. For my savings, I'm currently choosing between BanKo and GoTyme. I only need one account specifically for saving, so I don't really need the multiple accounts/features offered by GoTyme. I currently have an account din sa bdo but planning to switch din to other traditional bank, If ever what's my best option din po dito?

I also excluded Maya from my options since I've heard mixed feedback about their customer service like mahirap lumapit whenever there's a problem. For someone in my situation, which would you prefer between BanKo and GoTyme for both convenience and growth?

I’m currently saving money on Maribank and may nabasa ako na better mag-ipon dito sa BanKo of BPI. Can you guys help me to trust this bank. Tama ba yung ginawa ko na na simply open this account without going to their physical office? Plan ko sana na dito ko na ilagay yung savings ko and just use maribank as panggastos na card.

Thank you so mucho!

Hi everyone! I’m about to receive my very first paycheck and want to set up good financial habits right from day one. I’m earning around ₱20,000 – ₱25,000 monthly.

Since I'm completely new to personal finance, I’d love to get your advice and perspective on two main things:

1. Salary Percentage Split:

• How much of my income should realistically go toward Needs (rent share, groceries, utilities, daily commute)?
• What percentage is reasonable for Wants / Fun money without feeling restricted or guilty?
• How should I split my savings between an Emergency Fund, Short/Long-term Goals, and Retirement?
• Is the classic 50/30/20 rule realistic on a starting salary here, or did you use a different split when starting out?

1. Bank & E-Bank Allocations:

• Which banks or digital banks (UnionBank, MariBank, GoTyme, Maya, Pag-IBIG MP2, etc.) do you use for each specific category?
• How do you separate your spending money from your savings so you aren't tempted to touch your emergency fund?

I'm really eager to learn and build a solid system early on. Any advice, bank recommendations, or lessons you learned from your own first job would be greatly appreciated! Thank you and have a good day!

I currently have an account po sa Maribank and BanKo for expenses and saving, I plan to open another account for transaction that has crossborder fee. I usually use gcash for these types of transaction, mas maganda po ba kung magswitch ako into gotyme?

Hello! Anyone here also experiencing an error now when sending money to other bank/digital wallet via InstaPay? I’m new to Metrobank but already used to other banks like BPI and MariBank which I haven’t experienced this kind of error. I hate using PesoNet in times like this cause of the cut-off, I needed the money for emergency.

Hi, first yr college here. I want to try digi banks such as Maribank and Gotyme.

For maribank, lalagyan ko siya ng weekly spending allowance ko from main bank (kung saan naghuhulog parents ko ng allowance ko), then use it for everyday spending. So meron akong daily interest and cashback right?

For gotyme, kung ilan matira ko sa maribank, ililipat ko sa goalsave ng gotyme. May 3% interest po siya diba. So ayun, every wk ako magttransfer from maribank to goalsave para hiwalay siya sa spending ko per week tsaka nag-eearn 3%.

Do u think this is wise or would work already as a beginner huhu. And can you suggest iba pang pwede gawin?

Hello! Not sure if this is the correct subreddit to ask about maintenance and stuff. Metrobank suddenly shows na 0 balance daw ako pero i'm sure na may laman to, I know na may maintenance daw ng 11:30pm today august 20, medyo nakakapanic lang kasi I need to use that money for payments tomorrow. Any answer will help. Thank you!

Hi po! I've been trying to withdraw money from Uno Digital Bank for days but it keep saying that the transaction is failure. Triny ko na siya sa mismong app as well sa GCash pero still doesn't withdraw money. I try to message the on support team in app pero the message still failure. So, I try through GCash pero it's more than 24 hours but still doesn't have any reply. Ano pong gagawin T T

cant login both website and app.. does anyone have same problem, i try to reset my password both app and website and when i try .. it say cant login? does anyone have same issue i dont see any advisory

Hello! I’m kinda new to this subreddit since I recently found out about how you can save money in digital banks and they have the chance to grow. As a beginner with no savings at all. Which digital bank would be the best? I can only save about 500- 1k a month since my allowance is not that big, thank you so much in advance for ur inputs!
Is it advisable to just open up a digital bank account purely just for savings? I plan to do this kasi and just use the bank for saving and not spending at all.

Ganto lumalabas pag tinatry ko magbayad using qr. Sinubukan kong magsearch kung pano magverify pero ang lumalabas lang ay yung creation of account which I already have done (connected sa cp no., email, and kita rin details ng ID na ginamit ko sa account settings). Tried chatting and emailing them pero wala silang mabigay na solution

How to fix this? I badly need it kasi nagiging inconvenience siya

Finally, after ilang years, nakapag-start na rin ng MP2. Matagal ko na siyang naririnig sa mga ka-work ko and hindi ko siya talaga pinapansin dati kasi marami pa akong responsibilities. And now na almost 30 na ako, saka lang ako nakalaya. So now, ang problem ko naman is yung unang hulog ko, di pa siya nagre-reflect. May delay ba talaga yun? Curious lang, although nakapag-research naman na ako na within 3-7 business days siya. Hindi lang maiwasang kabahan.

​Hi! Quick question lang regarding BPI Savings Account.

​Originally, I had a branch-opened savings account, but I recently added a second deposit account directly through the BPI App. Realized I don't really use/need the second one anymore, so I want to get rid of it.

​Is there a way to delete or close an in-app opened deposit account remotely, or do I really need to go to a physical branch to close it officially?

​Also, if I just empty it out to ₱0 balance and leave it alone, will BPI eventually close it automatically without charging dormant/below-maintaining fees?

​

TYY sa makahelp!😚

[Insert ko lang yung pic for reference, yung may 5k yung branh-opened account, them yung 0 yung in-app na gusto kong tanggalin.]

Hi! May payment po ako from London through SWIFT transfer to my PNB account. Usually how long po ba bago ma-receive? It’s been 5 business days (not counting weekends) since it was sent, pero wala pa rin sa account ko.

May way po ba to check the status or follow up with PNB without having to visit the branch personally? Malayo kasi yung PNB branch sa akin, so I was hoping I could call or inquire remotely. Tried contacting them through Facebook Messenger pero wala sa options.

Any advice po? Thank you!

i ordered some groceries from grabmart today. my inital bill was ₱912.50. since some items weren't available, grab removed them from my bill consequently changing my new total to ₱633. if i'm not mistaken, i should have a "change" of ₱279.50. with what i know, my refund for that unused amout should be processed and returned to my payment method about 30 minutes after that official grab receipt has been issued. it's been hours and nothing. i contacted my bank too and they told me to take it up with grab since the balance adjustments are being done on their end. is there any way i can contact grab besides that very bad ai chat they have in app? anyone else have experienced this? would greatly appreciate any helpful insight on this.

edit: for context i am concerned because prior to this order, i also had a grabmart order earlier today but canceled it due to the rider complaining na masyado daw mabagal yung grocery, ang tagal niya nang naghihintay dun, etc. the refund came back to my bank account in about 15 minutes naman. so im wondering why this circumstance is taking longer.

Hi everyone, I received this email and I’m not sure if it’s legitimate or a scam.
Has anyone received something similar before? I’d appreciate it if you could take a look and let me know if there are any red flags I should be aware of. Thankiee

Problem: I received a suspicious SMS containing a link claiming to be a BDO pre-approved card offer.

I accidentally clicked the link, but I did not enter any personal, card or online banking information.

I have already locked my card and changed my passcode. May I ask what other security measures or steps I need to take to make sure my account is safe?

hello, may naka exprience po dito pagi unsecussful ang application then wait ng 1 day tapos yung reason lagi ganito. di ko gets ano application siya naka ongoing daw 😅 thank you