Anyone using DEBIT CARDS?

[noics02b]

I saw this brochure on BDO Visa Debit (ATM Debit Card). Pwede kaya itong gamitin sa online purchases because of the VISA affiliation?

My current ATM Debit card is the one with Mastercard Electronic. Unfortunately for this one, hindi pwede gamitin online, despite being a Mastercard.

[shamashu9]

I saw this brochure on BDO Visa Debit (ATM Debit Card). Pwede kaya itong gamitin sa online purchases because of the VISA affiliation?

My current ATM Debit card is the one with Mastercard Electronic. Unfortunately for this one, hindi pwede gamitin online, despite being a Mastercard.

basta debit card, hindi pwede sa online purchases only online bills payment on local companies. online purchases is for credit card and bills payment for some banks.

bdo atm debit card visa - you have to open a new account to get this. visa or mastercard is your atm option



With BDO ATM Debit Card, you may:

• Withdraw cash through any BDO, Expressnet, MegaLink and BancNet ATMs nationwide and through MasterCard/Cirrus and Visa/Plus ATMs worldwide (for MasterCard and VISA ATM Debit Card)

• Access your account to view your balance, transfer money, pay bills and buy prepaid mobile load anytime, anywhere using BDO’s electronic channels.

• Pay without cash for purchases, goods and services at major establishments nationwide and abroad (for MasterCard and VISA ATM Debit Card)

walang sinabing online purchases at ang sinabi lang major establishment nationwide, meaning physical payment not virtual

[RINOABREA]

I saw this brochure on BDO Visa Debit (ATM Debit Card). Pwede kaya itong gamitin sa online purchases because of the VISA affiliation?

My current ATM Debit card is the one with Mastercard Electronic. Unfortunately for this one, hindi pwede gamitin online, despite being a Mastercard.

If you really need to purchase online without using a credit card, I suggest PSBank Prepaid Mastercard (limited online stores) or Unionbank EON (via Paypal). Sadly, most debit/cash/prepaid cards don't have this functionality.

[RINOABREA]

Just want to share my experience today when I was at Puregold.

When I was about to pay for the groceries, I handed over my BPI Cash Card to the cashier, then she asked me if savings daw ba or current. I told her that only a signature is needed. But she insisted and again asked me if savings daw ba or current.

So I just played along but I already knew it wouldn't work for pin transactions. When all of the items were already punched in, she then asked me to encode my PIN. And as I expected, the terminal denied the transaction asking her to contact a certain number. She did this twice and again to no avail.

So again, I told her that the card should be treated like a credit card. And to her surprise, it did send an approval code when she tried again using a credit card POS terminal.

Btw, no pun intended to the cashier. Perhaps she's just new or it was her first time to encounter that kind of a transaction.

And another thing, I just want to ask anybody kung meron ba kayong experience na naaprove ang BPI Cash Card using your PIN? I know that some of the other debit cards (not ATM cards) can either be pin or signature. Just wondering lang for BPI Cash Card.

[shamashu9]

Just want to share my experience today when I was at Puregold.

When I was about to pay for the groceries, I handed over my BPI Cash Card to the cashier, then she asked me if savings daw ba or current. I told her that only a signature is needed. But she insisted and again asked me if savings daw ba or current.

So I just played along but I already knew it wouldn't work for pin transactions. When all of the items were already punched in, she then asked me to encode my PIN. And as I expected, the terminal denied the transaction asking her to contact a certain number. She did this twice and again to no avail.

So again, I told her that the card should be treated like a credit card. And to her surprise, it did send an approval code when she tried again using a credit card POS terminal.

Btw, no pun intended to the cashier. Perhaps she's just new or it was her first time to encounter that kind of a transaction.

And another thing, I just want to ask anybody kung meron ba kayong experience na naaprove ang BPI Cash Card using your PIN? I know that some of the other debit cards (not ATM cards) can either be pin or signature. Just wondering lang for BPI Cash Card.

a. Signature verification (Visa electronic terminal) – you will be asked to sign on the charge slip to complete the payment.
b. PIN verification (Bancnet POS terminal) – the cashier will request you to enter your ATM PIN in the pin pad.

since bpi express teller card kasi needs to enter pin. maybe yun ang thinking ng cashier since bpi din yun express cash card

How to use E.P.S.


• Shop


• Look for the E.P.S. or BPI Cards signage or simply ask the cashier about E.P.S.


• Present and pay with any of your BPI Express Teller Card (BPI, BPI Family Bank Express Teller, BPI Direct).


• At the counter, the Cashier swipes your BPI Express Teller Card in the Point-of-Sale (POS) terminal.


• Cashier will request you to enter your Personal Identification No. (PIN) which is the same PIN that you use in the ATM.


• This electronically deducts the exact amount of your purchase from your deposit account.

[shamashu9]

I highly recommend that you set up an account with BPI. Their new Easy Saver savings account only requires you to deposit 200php in order to open an account. There is NO maintaining balance needed, though 50php is deducted after your first transaction (meaning you're left with 150php). The trade-off for having no maintaining balance is that there is a 5 peso deduction for every transaction you make.

much better to sa bpi express cash card. meron ka ng bpi express teller card for cashless shopping, only card. an atm savings account and debit card in one.

[shamashu9]

a. Signature verification (Visa electronic terminal) – you will be asked to sign on the charge slip to complete the payment.
b. PIN verification (Bancnet POS terminal) – the cashier will request you to enter your ATM PIN in the pin pad.

since bpi express teller card kasi needs to enter pin. maybe yun ang thinking ng cashier since bpi din yun express cash card

How to use E.P.S.


• Shop


• Look for the E.P.S. or BPI Cards signage or simply ask the cashier about E.P.S.


• Present and pay with any of your BPI Express Teller Card (BPI, BPI Family Bank Express Teller, BPI Direct).


• At the counter, the Cashier swipes your BPI Express Teller Card in the Point-of-Sale (POS) terminal.


• Cashier will request you to enter your Personal Identification No. (PIN) which is the same PIN that you use in the ATM.


• This electronically deducts the exact amount of your purchase from your deposit account.

kaya hindi gumana yun bpi express cash card sa bancnet POS Terminal when you enter your PIN, simply because hindi siya SAVINGS ACCOUNT even if you choose either savings or current. if BPI express teller card yun gagana yun. pero i remember yun BDO cash card gumagana kahit pin based asking if savings or current. kung visa pos terminal naman, no need for PIN

[shamashu9]

the new PS Bank Debit Mastercard

this is a savings account. this is different from the PS Bank Prepaid Mastercard (Prepaid credit card)


ano kaya mas magandang card ito oh yun ps bank debit card na red


i want to collect cards haha pang display sa wallet

[RINOABREA]

http://www.psbank.com.ph/psbank/global//UserFiles/Image/Debit-MasterCard.jpg
the new PS Bank Debit Mastercard

this is a savings account. this is different from the PS Bank Prepaid Mastercard (Prepaid credit card)
http://www.psbank.com.ph/psbank/glob...MasterCard.jpg

ano kaya mas magandang card ito oh yun ps bank debit card na red
http://www.ygc.com/uploads/Image/MYW...ARD%20VISA.jpg

i want to collect cards haha pang display sa wallet

hahaha me too, but I prefer cards with no annual fees or card fees... ingat lang kasi some banks charge a dormancy fee kapag hindi nagamit.

and btw, how did you post those pictures?

[shamashu9]

[QUOTE=RINOABREA;57016346]Some Tidbits on Philippine Debit/Prepaid/Loadable Cash Cards

insert image lang

____________________________________________________


http://psbank.com.ph/global/system.p...=1295316541792

PSBANK PREPAID MASTERCARD

• -Initial Loading of P500.00 (all consumable) and No Annual Fees
• -Reloading Fee: P10.00 per deposit transaction
• -Can be used for online purchases except in Amazon and PayPal (IMPORTANT: EVEN IF THIS CARD CAN BE USED FOR ONLINE SHOPPING, IT CAN'T BE USED FOR PAYPAL VERIFICATION at the time of this writing - Bank's disclaimer is posted online)
• -Global recognition in stores with Mastercard logo
• -Balance inquiry via ATM and online
• -receive the card on the same day of application (within 30 minutes)

http://www.rcbc.com/news_article0013.php

RCBC-MERCURY DRUG MyWallet VISA

• -P120.00 initial reloading (P100.00 of which is consumable) and P100.00 card fee upon expiry of the card (usually after three years)
• -P10.00 reloading fee for every deposit over the counter
• -Can be used as a Tap-n-Go' e-Ticket to pay for your ride at selected MRT stations
• -Doubles as a points card for all Mercury Drug purchases
• -Can be used globally at stores with VISA logos; can't be used for online shopping
• -Maintenance fee for Inactive accounts: P100.00 (no financial activity for more than 12 consecutive months)
• -Balance inquiry via landline, ATM and Bancnet online

http://www.unionbankph.com/index.php...035&Itemid=245

UNIONBANK EON Cyberaccount VISA

• -Annual Fee: P350.00
• -No charge for loading the account
• -Has a separate account number for other services like funds transfer (to and from) and Paypal withrawals
• -can be used for online shopping but via Paypal (IMPORTANT: THIS CARD CAN'T BE USED FOR DIRECT ONLINE SHOPPING, IT HAS TO BE LINKED WITH PAYPAL i.e. you make purchases via Paypal then Paypal withraws funds from your Unionbank EON Card)
• -Can be used to verify a Paypal account (just like a credit card)
• -There’s now a withdrawal fee of 10 pesos for the third and subsequent withdrawals for the month. In other words, you’re allowed only two free withdrawals for every month
• -Can be used globally at stores with VISA logos
• -Balance inquiry via ATM and online site

http://www.mybpimag.com/index.php?op...199&Itemid=239

BPI EXPRESS CASH CARD MASTERCARD

• -P150.00 card fee which is good for two years and renewable for P100.00
• -No charge for loading money
• -Minimum withdrawable amount: 500
• -Maximum withdrawable amount per day: 10,000
• -Withdrawal fee: P15.00 per withdrawal transaction
• -Valid in the Philippines only in stores with Mastercard logo; not applicable for online purchases
• -Balance inquiry via landline, mobile SMS and ATM

____________________________________________________


OTHER CARDS

https://mycashcard.com.ph/cashcard/p...shcard_faq.jsp


BDO CASH CARD

• -Annual fee: P100.00 (as of this writing)
• -No charge for reloading money over the counter at any branch
• -Choose from three types of cards based on maximum balance limits of 10,000 (generic, no name on card); 25,000 (personal, with your name on card) or commercial
• -The generic card needs to have at least one transaction within a six-month period, while the personal card is within a one year period.
• -Withdrawal through ATMs, free on BDO ATMs and with fee for other bank's ATMs
• -Can be used for purchases in the Philippines with Expressnet logos in the Philippines only; can't be used for online purchases

http://www.alliedbank.com.ph

ALLIED BANK ABC Cash Card

• -P100.00 Card Fee OR FREE for an initial load of P500.00
• -No annual fee, no loading fee, no card expiration
• -Purchases valid only in the Philippines with BancNet accredited establishments; not applicable for online purchases
• -Can be used to transfer funds to Savings Accounts and Current Accounts maintained in all Allied Bank branches or any BancNet member banks via BancNet online
• -Balance inquiry via ATM and Bancnet online

http://www.securitybank.com/personal/pbdc001a.aspx

SECURITY BANK CashCard

• -Card Fee: P50.00, No annual fee, no card expiration
• -Reloading Fee: P50.00 over the counter transaction
• -Cash withrawal over the counter fee: P100.00 per transaction, no fees for ATM withrawals
• -Banking via internet, phone and mobile (if you have an account at Security Bank)
• -Shopping applicable via BancNet accedited establishments in the Philippines; Not applicable for online purchases
• -Can do fund transfers to other Security Bank accounts or to any BancNet member bank via BancNet online (with applicable fees)
• -Dormancy fee: P200.00 per month after a certain period of inactivity

http://www.securitybank.com/personal/pbdc001b.aspx

SECURITY BANK CashCard INTERNATIONAL MASTERCARD

• -Card fee: P250.00
• -Annual fee: P250.00
• -Reloading Fee: P50.00 over the counter transaction
• -Cash withrawal over the counter fee: P100.00 per transaction, no fees for ATM withrawals
• -Global recognition in stores with Mastercard logo; Not applicable for online purchases

http://smart.com.ph/money/consumers/...s/features.htm

SMART MONEY

• -One time processing fee:P100.00, no annual fee
• -Balance inquiry via BDO, BancNet, Megalink, Expressnet ATMs: P2.50
• -Balance inquiry via ATMs with Cirrus Logo: P25.00
• -Can request for statement of account with a fee of P25.00
• -Valid worldwide at Mastercard accredited establishments
• -Loading of funds via Smart Wireless Centers, Banco De Oro branches or Smart Money Accredited Outlets, or wallet-to-wallet transfer or via mobile banking service from select partner banks or remittance from abroad (loading fees may apply for each procedure)

http://www.equicomsavings.com/produc...#card-products

EQUICOM Cash Card VISA

• -One time processing fee: P100.00; No annual fee
• -Reloading fee: P20.00 per deposit
• -Dormancy fee (starting on the 13th month): P100.00
• -Balance inquiry via mobile or internet
• -Can be used to transfer funds to Savings Accounts and Current Accounts maintained in all Equicom Savings Bank branches or any BancNet member banks via BancNet online (enrolment required)
• -Accepted worlwide at establishments with Visa logo; not applicable for online purchases

http://www.sterlingbankasia.com/Cont...?id=3&page=117

STERLING BANK OF ASIA SHOP N' PAY VISA DEBIT CARD

• -Application Fee: P150.00
• -Reloading Fee: starting at P10 depending on the amount
• -Worlwide recognition at Visa accredited establishments; not applicable for online purchases
• -ATM withrawal fee in the Philippines: Free at all Sterling Bank ATMs and P10.00 at other BancNet, Megalink, ExpressNet ATMS
• -ATM withrawal fee at PLUS logo ATMs abroad: $3.00 for successful and $1.00 for declined transactions
• -Balance inquiry via ATM: Free at all Sterling Bank ATMs, P1.00 at other BancNet, Megalink, ExpressNet ATMS and $1.00 at International ATMs
• -Can be used to transfer funds maintained in all Sterling Bank branches or any BancNet member banks via BancNet online

[shamashu9]

http://www.ussc.com.ph/CashCard.htm

USSC VISA CASH CARD

• -Card fee applies; option to receive card immediately (no name on card) or have it personalized (with name on card)
• -Loading fee applies at any USSC branch
• -Withrawal fee applies
• -Worlwide recognition at Visa accredited establishments; not applicable for online purchases
• (to be updated since their customer service is only available at a certain time)

[/QUOTE]

[shamashu9]

hahaha me too, but I prefer cards with no annual fees or card fees... ingat lang kasi some banks charge a dormancy fee kapag hindi nagamit.

and btw, how did you post those pictures?

insert image icon lang

[RINOABREA]

like..

and pano naman magdelete ng message?? hehe. wala nang kinalaman sa cards ah.. haha.

[shamashu9]

like..

and pano naman magdelete ng message?? hehe. wala nang kinalaman sa cards ah.. haha.

moderator lang

[RINOABREA]

http://www.facebook.com/pages/DebitC...586024?sk=wall

[RINOABREA]

http://www.facebook.com/pages/DebitC...78107585586024

[froshie1]

I have a payroll ATM account that can be used to pay things and automatically deducted from my savings account balance. Can somebody please explain to me why will I need a Debit Card?

[red_wolf219]

I experienced the same once at Waltermart. In fact it was not my first time to use my BPI Express Cash there. The cashier asked me if its savings or current and I told her "I don't know" which was true. I told her that I had been using it for over a year and I just sign on it.

BTW... I found out today that my card expired June 2011.... how will I renew it? Do I have to go to the branch where I applied? I stopped using my BPI Express Card since I got my 2 credit cards (from other banks... BPI declined my application hehehe). But I stilll want to keep it.

[red_wolf219]

I highly recommend that you set up an account with BPI. Their new Easy Saver savings account only requires you to deposit 200php in order to open an account. There is NO maintaining balance needed, though 50php is deducted after your first transaction (meaning you're left with 150php). The trade-off for having no maintaining balance is that there is a 5 peso deduction for every transaction you make.

much better to sa bpi express cash card. meron ka ng bpi express teller card for cashless shopping, only card. an atm savings account and debit card in one.

Since I am about to renew my Express Cash Card, would it be all right if I switch ( or shall I say convert... tama ba) to Easy Saver Savings?

[red_wolf219]

I highly recommend that you set up an account with BPI. Their new Easy Saver savings account only requires you to deposit 200php in order to open an account. There is NO maintaining balance needed, though 50php is deducted after your first transaction (meaning you're left with 150php). The trade-off for having no maintaining balance is that there is a 5 peso deduction for every transaction you make.

much better to sa bpi express cash card. meron ka ng bpi express teller card for cashless shopping, only card. an atm savings account and debit card in one.

http://www.psbank.com.ph/psbank/global//UserFiles/Image/Debit-MasterCard.jpg
the new PS Bank Debit Mastercard

this is a savings account. this is different from the PS Bank Prepaid Mastercard (Prepaid credit card)
http://www.psbank.com.ph/psbank/glob...MasterCard.jpg

ano kaya mas magandang card ito oh yun ps bank debit card na red
http://www.ygc.com/uploads/Image/MYW...ARD%20VISA.jpg

i want to collect cards haha pang display sa wallet

I have the new PS Bank Debit Master Card almost a month pa lang. Di ko pa nagagamit. I was a bit disappointed kasi pure ATM card lang sana ang gusto ko for savings pero eto binigay sa akin. Reason why I applied? I need the card right away which they did in less than 30 minutes. Ang problema it did not serve the purpose. Friday kasi yon at nagka problema yata ( was not explained clearly) so I have the card pero pwede magamit the following Monday pa. Pagka Monday di ko na kailangan so until now di pa nagagamit.

May initial deposit sya na 2K at maintaining na 2K. But I need to have a minimum adb of 5K to earn interest.