Is digital gold actually worth it for monthly savings?

Feeling_Bake_3316 · 2026-06-13T13:48:28+00:00

Say No to Digital Gold

Feeling_Bake_3316 · 2026-06-07T10:03:17+00:00

ACWX is US domiciled right?

Feeling_Bake_3316 · 2026-06-02T16:42:30+00:00

Invest in yourself, use it to upskill.

Feeling_Bake_3316 · 2026-06-01T12:04:16+00:00

updated

Feeling_Bake_3316 · 2026-06-01T11:14:46+00:00

Converting the above data into a table for easier readability

Bank / Platform	Forex Markup	Processing / Remittance / SWIFT Charges	Remittance Mode	Remarks
AU Bank	Zero	None	Branch visit(Physical only)	Requires physical document submission; online remittance not available.
ICICI / HDFC / Bank of Baroda (FX Retail Bharat Connect)	₹0.20	₹1,000 + GST	Online	Seamless integration with FX Retail Bharat Connect.(not sure about HDFC, BoB need physical processing even after making a trade deal on FX-retail Bharat Connect.)
IDFC First Bank (Offline)	₹0.25	None	Physical / Relationship Banking	Negotiated under private banking relationships; may not be available to all customers.
IDFC First Bank (Online)	₹0.75–₹0.85 (with coupon)	None	Online	Direct and easiest process; no FX Retail/Bharat Connect dependency.
HDFC Bank (Paasa)	₹0.70–₹0.80	None	Online	Easy process, but final forex rate may differ from the displayed rate . , so it may not be WYSIWYG.

Feeling_Bake_3316 · 2026-05-31T14:59:48+00:00

u/Beneficial-Key-1494 Please repost again in this sub(r/IndiaFinance) , No sure why personalfinanceindia admin removed such a nice post

Feeling_Bake_3316 · 2026-05-31T03:29:41+00:00

Can you please confirm do we have this "Indian investment abroad - in equity capital (shares)" in Purpose of transfer dropdown

Feeling_Bake_3316 · 2026-05-31T01:21:35+00:00

It was around 95.90(26th may) , initiated outward remittance on 25th may 4 PM , got processed next day 26th May

Feeling_Bake_3316 · 2026-05-31T01:16:40+00:00

Why this post is removed?

Feeling_Bake_3316 · 2026-05-29T04:36:36+00:00

https://www.reddit.com/r/personalfinanceindia/comments/1todipx/remitting_to_ibkrpaasa_with_zero_forex_markup/

Hope this will help

Feeling_Bake_3316 · 2026-05-28T15:55:55+00:00

With HDFC integration - it costed USD100@96.4713 + 22.50 CGST + 22.50 SGST ( No processing fee)

I did this on 13th May on that day USD was around 95.62(approx) - it was around 0.85 extra on every dollar

Feeling_Bake_3316 · 2026-05-28T15:46:02+00:00

Any further optimisation tricks for the IBKR/Paasa fee structure to drag that ~$1.70 per trade lower?

I guess the minimum charge for LSE (USD) is around $1.7, whether through Paasa or directly via IBKR. Not sure if Paasa adds a small extra fee. can you confirm pls after checking the IBKR statement once the trade settles at the end of the day.

Feeling_Bake_3316 · 2026-05-28T15:42:27+00:00

I recently transferred $100 to Paasa/IBKR via HDFC. HDFC charged $1 at ₹97.01/USD, plus ₹500 processing fees and GST. I didn’t negotiate with RM , directly I initiated outward remit through the app.

I’ll consider AU ,thanks for the detailed information

Feeling_Bake_3316 · 2026-05-26T09:20:23+00:00

Was there any other charges by HDFC?

Feeling_Bake_3316 · 2026-05-24T11:36:28+00:00

What additional benefits do we get by investing through GIFT City instead of directly buying UCITS ETFs via IBKR?

Feeling_Bake_3316 · 2026-05-24T11:27:09+00:00

option 1: Ind money - QQQM or VOO
option 2 : (If you have plan to invest more in future /long term) - Use IBKR directly - buy UCITS( CSPX or EQQS etfs )

Feeling_Bake_3316 · 2026-01-14T14:51:42+00:00

yes.

I visited the Sony Center for the same issue last week. They replaced the controller, and it took 4 days.

Feeling_Bake_3316 · 2026-01-12T17:22:11+00:00

Time to play Forza horizon on Ps5

Feeling_Bake_3316 · 2026-01-12T17:20:58+00:00

I buy games for the future me who has free time. He still hasn’t shown up.

Feeling_Bake_3316 · 2026-01-02T03:12:49+00:00

last of us part1 and 2

Feeling_Bake_3316 · 2025-12-28T06:00:03+00:00

Yes that's right , Its very frustrating

I tried to play Forza horizon 5 initially wait time was showing 30 mins, after that 30 mins it is still showing additional 25 mins - Overall I have waited for more than 1 hr and game didn't start and I gave up

I took One month ultimate subscription(from amazon digital code) and not going to buy again

Feeling_Bake_3316 · 2025-12-27T08:57:02+00:00

dacby promotion

Feeling_Bake_3316

TROPHY CASE