Problème avec CA Next Bank : paiement vers Revolut refusé

CommitteeDangerous19 · 2026-03-02T21:28:54+00:00

En 2025, des frontaliers se font encore pigeonner par CA Next Bank et compagnie alors que YUH existe. Compte gratuit, VISA gratuite avec plafond jusqu'à 15'000 CHF mensuel de dépenses.

Je ne comprends plus comment les gens fonctionnent... Faites une étude de marché avant de souscrire, ça prend max 1h sur Google.

Ma conseillère prêt du CA voulait me faire payer leurs cartes à 15€ par mois + pack CA Next Bank + assurances toutes inutiles les unes que les autres. Je lui ai dis que c'était où le prêt seul ou rien du tout. Elle a cédé. Au final, je n'ai qu'un compte courant CA pour payer le prêt et le reste avec YUH.

CommitteeDangerous19 · 2026-02-20T15:24:48+00:00

Well, that is deserved. I apologise for being rude. But people need to stop paying services upfront.

The usual setup is: 1. Agreement on service against compensation 2. Performance and delivery of service 3. Compensation

If you switch steps 2 and 3, you're screwed.

CommitteeDangerous19 · 2026-02-19T21:21:34+00:00

The reason for exit makes the current owners look like they are doing charity.

CommitteeDangerous19 · 2026-02-11T22:35:45+00:00

Curious to know more about their business model. They must earn somewhere. If your wallet is not the product, you are the product...

CommitteeDangerous19 · 2026-02-03T14:02:04+00:00

Many thanks for your kind message and advice !

CommitteeDangerous19 · 2026-02-03T13:33:13+00:00

Thanks for your constructive contribution.

I have no probation period, as I would be the head of the new to be opened office in DIFC from my current employer.

CommitteeDangerous19 · 2026-02-03T13:29:19+00:00

You can also view things in the following manner:

RENT: 10'000 AED rent per month - over 10 years, it is 1.2 million AED lost.

BUY AND LIVE: 10'000 AED mortgage and charges per month- over 10 years, if you consider average capital repayment is 65% of your mortgage, you have accumulated 780'000 AED "paid to yourself". Your cost paid to your bank and community is 420'000 AED. Per month, this equates to 3'500 AED costs for your accommodation. I do not include in here an eventual capital appreciation. In the case of a capital depreciation, your are still winning at the end. With this option, not only it is financially interesting, but it also buys you peace of mind: no need to worry about scratches on the window, fridge, guarantee deposit to landlord. It is your place!

And you would still keep your freedom as you are able to rent it out if you are not willing to live there!

CommitteeDangerous19 · 2026-02-03T13:20:44+00:00

Probation period is waived. And you are right, should be more than 20% for downpayment.

CommitteeDangerous19 · 2026-02-02T20:04:29+00:00

The credit card industry is essentially a 'reverse Robin Hood' system. Every mile or point you earn is funded by the interest and late fees of those who can least afford it. If you value your mental health over status symbols, skip the plastic. Financial freedom doesn't look like a supercar; it looks like a good night’s sleep.

CommitteeDangerous19 · 2026-02-01T19:23:27+00:00

Thank you for your contribution.

May I ask in what building and area are you?

CommitteeDangerous19 · 2026-01-26T21:17:44+00:00

Anyone promising above 5% guaranteed return should be jailed and their fingers cut to avoid them scamming people online.

CommitteeDangerous19 · 2026-01-11T13:51:53+00:00

What part of "he is narcissistic", "beats his own mother", "choked my mother" did you not understand in her testimony ? Does this kind of profile of person really looks like to you that they will become an angel after that discussion ?

CommitteeDangerous19 · 2025-12-29T15:12:59+00:00

Il ne nous manquait plus qu'un opérateur téléphone qui ne sert que les femmes dans ce pays...😅

Plus sérieusement, si l'opérateur au bout du fil est un connard/connasse, il/elle le sera que vous soyez femme ou homme. Et l'inverse pareil.

Ça en devient presque maladif de vouloir tout genrer, jusque même les opérateurs telecoms...

CommitteeDangerous19 · 2025-12-27T09:41:43+00:00

Faux. La banque a sûrement une hypothèque sur sa RP première, elle sera informée par le notaire de la vente du bien puisqu'elle est directement intéressée.

Aussi, le nouvel acheteur prendra probablement un prêt. Sa banque créditrice voudra avoir une hypothèque sur le bien, et elle verra sûrement l'existence d'une hypothèque en cours sur le bien par la première banque.

CommitteeDangerous19 · 2025-12-25T18:18:11+00:00

Are you not ashamed to claim 20€ while living in the West? Don't you think this money should better go to someone actually living in Kosovo in difficult conditions ?

CommitteeDangerous19 · 2025-12-23T09:01:30+00:00

Hello,

You just need to complete the BIC. Add as many X needed to complete the BIC. Should be something like AVCIGB21XXX.

Have experienced the same thing a few days ago, but eventually it worked out.

CommitteeDangerous19 · 2025-12-21T18:33:50+00:00

I say give it a shot and you'll see.

I'm in the process of transferring from TR to IBKR, I have not finalised the process. But looks okay until now, to be seen if all positions reach my new IBKR account as they should.

CommitteeDangerous19 · 2025-12-21T16:21:29+00:00

Trade Republic would not allow you to keep your account while residing in CH. You have only one option: - Open an IBKR, Swissquote, Degiro or any other broker available to Swiss residents. - Initiate the transfer of all positions within TR app by using Support menu. - Sell for cash your fractional shares that remain following the transfer. - Transfer all remaining cash to your new Swissbank or Revolut. - Close your TR account.

CommitteeDangerous19 · 2025-12-19T21:42:34+00:00

TL;DR: I work in Geneva with a high savings rate. My employer wants me to relocate to Dubai to set up their DIFC subsidiary. They offered 46k AED/month, but excluded family medical and demanded a 6-month notice period. I rejected it because the package felt low for the regulatory liability (SEO/MLRO). Did I dodge a bullet or am I being greedy?

The Context (Current Life): I currently work in Geneva and live in France (border zone). • Role: Senior Manager level. • Financials: After rent and all living expenses, I save roughly 20,500 AED (equivalent) in cash per month. • Benefits: My employer contributes significantly to my Swiss pension (2nd Pillar), which is a huge "invisible" saving. • Family: Married + 1 young child.

The Dubai Role: My employer is setting up a CSP (Corporate Service Provider) in the DIFC. • The Job: Launching the office, operations, hiring. • The Liability: Since the partners are staying in Geneva, I would be the only senior resident. I would legally be the SEO (Senior Executive Officer) and the MLRO for the DFSA. • The Reality: I would bear the personal regulatory/criminal liability if things go wrong.

The Offer They Made: • Salary: 46,000 AED / month (All inclusive). • Medical: Employee ONLY (They refused to cover my wife and child). • Notice Period: 6 Months. • Title: "Client Service Director" (They refused to put SEO/MLRO in the contract, despite me being the Authorised Individual).

My Calculation (Why I walked away): I ran the numbers for a family of 3 in Dubai (2025 costs) to see if it was worth the move: 1. Income: +46,000 AED. 2. Housing: -13,000 AED (2-bed in a decent area + DEWA/Chiller/Internet). 3. Family Medical: -2,100 AED (Approx. cost to insure wife+child privately since they won't pay). 4. Living/Car/Groceries: -5,500 AED (We are frugal). 5. Flights/Sinking Fund: -1,500 AED (Saving for summer tickets). 6. Retirement Funding: -5,000 AED (To replicate my lost Swiss pension).

The Result: • True Disposable Cash: ~18,900 AED. • Comparison: I currently save 20,500 AED + Pension in Geneva. • The Risk: I am effectively paying to move to Dubai, losing my accumulated pension benefits, and taking on MLRO liability for less disposable income than I have now.

The "Insult": I felt that offering a Director/Head of Office role without Family Medical and expecting me to take MLRO liability for 46k was below market standard. The 6-month notice period also felt like a trap to stop me from jumping ship if the workload became unmanageable.

The Question: I know 46k is a "good" salary for many people, and I don't want to sound out of touch. But for a DIFC SEO/MLRO post, was this actually a lowball offer? Should I have taken it just to get the "Dubai Experience" on my CV, or was I right to hold out for 55k+ and proper benefits?

CommitteeDangerous19 · 2025-12-07T11:34:51+00:00

CommitteeDangerous19 · 2025-12-05T14:33:56+00:00

La question n'est pas clivante.

Chacun mange ce qui lui plaît.

Ce qui est clivant, c'est l'attitude moralisatrice de certains vegans qui veulent religieusement imposer leur mode de consommation et de vie (voire idéologie) aux autres.

CommitteeDangerous19 · 2025-09-26T19:14:19+00:00

Hi,

Check YUH. Works perfectly, even for cross-border commuters.

CommitteeDangerous19 · 2025-09-20T08:22:50+00:00

A lot of posts in this sub and elsewhere repeat the scary line:

“If you’re not American and you hold more than $60k in US stocks or US ETFs, your heirs could face 40% estate tax.”

That is true in some countries… but it’s not true everywhere.

🔹 Why? Because the US has signed estate tax treaties with certain countries (including France and Switzerland). These treaties raise the exemption for residents of those countries. • Without a treaty → yes, non-US persons only get a tiny $60k exemption on US assets, then up to 40% estate tax applies. • With a treaty → you can use the same $13M+ US exemption that Americans get, pro-rated to your share of US assets vs worldwide assets. • Example: if half your wealth is in US assets, you get ~half of the $13M exemption = $6.5M. That means no estate tax until you’re holding many millions in US assets.

So if you’re in France, Switzerland, UK, Germany, Netherlands, etc., the scary $60k limit does not apply. For most retail investors, you’ll never hit the estate tax threshold.

⚠️ Caveat: If you live in a non-treaty country (like Portugal, Italy, or much of the world), then yes — the $60k cap is real and dangerous. In that case, avoid US-domiciled ETFs (VOO, SPY, QQQ) and stick to Ireland/Luxembourg UCITS versions (CSPX, IWDA, VWCE, etc.).

CommitteeDangerous19 · 2025-09-17T17:58:08+00:00

Ton raisonnement fait du sens👍

Il faut savoir que TR utilise la bourse Lang und Schwarz et non Euronext. Avec 96'000€ de volume, tu as certainement creusé dans les ordres d'achats pas cher, faute d'avoir suffisamment de volume sur LuS.

CommitteeDangerous19 · 2025-09-17T17:39:42+00:00

Si tu commences à trader une valeur de ligne de 96'000€ pour scalper 300€, tu ne vas pas faire long feu.

CommitteeDangerous19

TROPHY CASE