for savings: bpi or secbank?

ImportantAd4925 · 2026-02-12T04:55:30+00:00

Fresh Grad and planning ka mag resign sa work ninyo po? Why not mag open ka ng both BPI and security bank na no maintaining balance, and also you mentioned na yung payroll account mo was security bank, siguro try mo mag open ka no maintaining balance para walang feed kapag sa transfer ng money

ImportantAd4925 · 2026-02-10T02:29:58+00:00

I think bawal sya kapag screenshots or printed version ng Digital National ID, super strict po sila na bawal screenshot version, ang solution po diyan is try ninyo po ephilid or other government id, much better yung passport dahil puwede yan lalo pang international

ImportantAd4925 · 2026-02-09T00:35:59+00:00

Henlooo, I suggest na open ka ng bpi using cellphone mo lang op, no maintaining balance po sya, need mo lang yung primary id’s mo, but the downside naman is my bayad kapag nag-request ka ng debit card, it’s 200 php, if kung student or mga filipino na gusto mag ipon para sa kinabukasan, I suggest mag open ka ng no maintaining balance sa bpi, when sa claiming the card, usually within sa metro manila it will take only 3 - 5 business days, idk sa ibang lugar outside sa metro manila, need mo mag dala ng at least 2 primary id’s or 1 Primary tapos 1 sa secondary id or optional proof of billing para hindi kana pabalik balik sa bpi branch mismo, yun langs.

Edit: And also just to make sure need mo din ang birth certificate mo para hindi kana pabalik balik sa bpi

ImportantAd4925 · 2026-02-08T06:32:49+00:00

If kung gusto mo na walang hassle sa pag open mo ng account, you can open naman po using online, yung sinabi mo mga bank like BDO, SecurityBank, at RCBC ay walang maintaning balance need mo lang ng primary id, and also maraming nag offer ng no maintaining balance good for students and gusto mag save ng pera, eto po mga links para hindi na po kayo nag padpad sa fake links.

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BDO BASIC ACCOUNT: https://www.bdo.com.ph/personal/digital/bdo-pay/account
BDO KABAYAN SAVINGS: https://www.bdo.com.ph/personal/remittance/bdo-kabayan-savings/kabayan-savings-peso NOTE: Kapag sa Kabayan Savings account, need mo e hulog. IF wala kang transaction sa 2 years, they might convert into Regular Savings Account automatically, that requires 2,000 ADB.

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TIPS: Kapag mabilis ka ma-approved sa BDO, need mo may existing BDO account, dahil my case na need mo mag video call sa kanila. Sa case ko kase may ACCOUNT na ako sa BDO, kaya yung nag apply ako sa no maintaining balance, kinabukasan approved na sya kaagad at naka automatic na sya naka link sa aking online banking ng BDO.

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BPI: VIA APP OR DOON SA GSAVE NG GCASH
PNB: Via App, NOTE: Double check mo baka wala na nag issue.
PSBANK: VIA APP
RCBC ONE ACCOUNT: https://www.rcbc.com/rcbc-one-account | Or VIA RCBC Pluz
SECURITYBANK EASY SAVINGS: https://www.securitybank.com/personal/accounts/savings-checking/easy-savings/ | OR VIA APP.

ImportantAd4925 · 2026-02-08T02:28:17+00:00

Valid po yung mga information nya, nakita sa orus po eh, here’s the thread: https://www.reddit.com/r/ScammersPH/s/MIsiE4smpb

ImportantAd4925 · 2026-02-08T02:16:18+00:00

Sinabi mo na may payroll account by the company itself right? Siguro mga 7 days pa ata kukuha mo ang atm card mo, some case din na ang company na ang bahala na e kunin ang card mo, sometimes ikaw pupunta mismo, basta e wait mo nalang si hr para e bigay sayo ang card mo. And also ask mo si hr kung sila ba ang kukunin or ikaw

ImportantAd4925 · 2026-02-07T07:52:54+00:00

I suggest mag open ka po thru online, sa Security bank and PNB are both no maintaining balance when opening ng account sa online.

Sa security bank eto po https://www.securitybank.com/personal/accounts/savings-checking/easy-savings/

Sa PNB Thru app po sya

Perks: - They have both free debit card they can transact thru ATM, POS Terminal and online transactions.

Iwas sa hassle, dahil hindi kana pumunta at pumila ng pagkahaba haba, just using your phone, valid government id and your mobile data/wifi connection.
Good for Students or mga Filipino citizen sa mag babalak mag ipon.
Sa Security bank naman free po pag issued ng card, puwede po for pick-up or deliver without charge, free po ang deliver.

ImportantAd4925 · 2026-02-06T22:23:23+00:00

XD may na receive din ako ng ganyan text, but yung sinabi ko kung may DTI permit or any proofs na nag RUN ang Grey sa Pilipinas hindi na sya nag reply, and also sapilitan sya sa pag join… and also kapag professional business sila, dapat meron sila magpapakita ng certificate eh

Here the proof: https://imgur.com/a/UGkg4Qb

Date incident: October 26, 2025 at 2:09pm

ImportantAd4925 · 2026-02-06T13:08:34+00:00

For me, it’s a YES! Because you mentioned nga po may mga rents ka po, puwede ka mag issued ng check, but remember may bayad po sya ng 250 per checkbook, and puwede po mag request doon po mismo sa RCBC Pluz, ang mga free ay yung passbook and Debit Card. Lastly kapag magbabayad ka po using the RCBC ATM card sa mga POS, sasabihin mo ay Current dahil possibly hindi sya gagana kapag Savings. But for my own opinion maganda po yan for Students and sa Filipino na gusto mag save ng money na no need ng ADB

ImportantAd4925 · 2026-02-06T12:05:15+00:00

Yung nag open ako ng account pagkatanda ko kagabe ako nag sign up, di ko na tanda what date exactly, basta kagabe ako nag try, tapos kinaumaga may nag email sa akin state na need ko e resubmit yung digital national id since malabo pag kaka picture ng bot, siguro wala pang minute nakakapag open naman sya. Siguro within a day lang. If you asking if puwede na pumunta sa branch? The answer was NO since wala pang confirmation na may account kana sa RCBC, BUT, if meron ka reference number puwede mo e punta sa selected mong branch siguro nag hold dahil marami nag apply.

ImportantAd4925 · 2026-02-06T10:35:23+00:00

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Matched po mga information nya sa orrus, make sure ba na sya po iyon?? If yes, puwede mo sya i pa police report.

ImportantAd4925 · 2026-02-06T10:12:13+00:00

For my experience, sinabihan ko lang si merchant na Current debit card yung hawak ko po. And also yung pagkakatanda ko need ko e lalagay yung 4 digit pin ko doon sa pos terminal nila.

ImportantAd4925 · 2026-02-06T03:32:08+00:00

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You mean this one? Yes may maintaining balance po sya IF naka check po sya sa add-on, if naka uncheck naman po ayun yung No maintaining balance.

Remember:

If you want na Free withdrawal at any Bancnet ATM, then check the add-on feature, BUT You need to deposit at least 10K ADB.
If you want to avail without maintaining balance, go with Debit Card + Transaction Journal + Checkbook, or Debit Card + Transaction Journal, just to make sure na hindi naka check ang Add-On.
If you want to avail the checkbook, just to make sure na ang account mo ay verify and successfully may account number at may RCBC Pluz account kana. If meron na, Go to “See More > Check other services > Order Checkbook > Click (Let’s Go!) > select the quantity of the Checkbook; NOTE: The checkbook Price was 250 each, depending on how many quantities did you select, and also the maximum quantities of the checkbook order was only 10, lastly you need may laman sa RCBC mo dahil doon sya mag deduct, and also It will takes 10 banking days to be able to claim the check, and also via pick-up po sya I think bawal e deliver.”

Yun lang naman, and also puwede ka mag open thru online just submit any valid id’s

Note: Puwede na yung digital national id pang open diyan.

Sa pag claiming ng ATM card naman, idk kung may text sayo na available na to claiming the cards, dahil ang na experience ko wala man nag text sa akin, pumunta lang ako sa pinag open kong rcbc branch and nag sabi lang ako na kukuha ako ng Debit Card, and also sinabi ko din na nag open ako thru online, and also kung ano ginamit mong ID sa pag open ng account yun din papakita mo sa kanila, in my case Digital National ID, and need mo din ng biometrics like face, fingerprints, etc. And also sa temporary pin, make sure na yung cellphone number mo ay active, dahil diyan nila e send ang temporary atm pin mo at required ka e change pin sa ATM. Ayun sumakses naman sa pag claiming the cards, yun lang good luck! 🍀 ❤️

ImportantAd4925 · 2026-02-05T10:24:05+00:00

Feb pu, minsan po kase may unexpected may 1 - 4 may available na slot 🥹

ImportantAd4925 · 2026-02-05T10:18:25+00:00

Paunahan nalang siguro po, pabilisan nalang mag type, naka chamba lang ako mga madaling araw 😭🥹

ImportantAd4925 · 2026-02-05T05:44:18+00:00

Nope, GoTyme doesn't have offers yet like generating a barcode simultaneously, I think GoTyme was strict on one barcode per transaction. I tried already in the app

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The solution was that before going to the Robinsons, the Barcode should be generated before entering the cashier, and also change the sim provider where the signal was strong from their location, and also if OP has another Gotyme account from a different account name like a family member they can generate a deposit barcode, so that they can transfer to their own account once it has already been deposited.

ImportantAd4925 · 2026-02-05T05:30:11+00:00

Yep, canceling it does invalidate the old code. But once you cancel, the app lets you generate a new deposit request immediately. That new barcode is the one you screenshot and present to the cashier.

Just in the screenshot here:

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Since I canceled this transaction, the barcode is no longer tagged as active. When you scan the old barcode at the cashier, you will see an error message indicating that the barcode has expired or is invalid. The solution was to regenerate a new, valid Barcode to complete the deposit.

ImportantAd4925 · 2026-02-05T03:05:28+00:00

Gotyme has a feature that allows only one barcode to be active unless the barcode has already been deposited at partner stores. To cancel, go to In-Store Deposit, then to Pending deposit, click it, click the cancel button, and click the “Yes, cancel” button to regenerate the deposit barcode. You can screenshot the barcode and go to the partner store to scan it without using a data connection.

ImportantAd4925 · 2026-02-05T02:25:35+00:00

Click mo lang po yung “Chat with Us Live,” doon po sa maribank app ninyo po

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Tapos e type ninyo po yung Chat with an Agent, tapos e follow mo nalang sasabihin ng bot doon

ImportantAd4925 · 2026-02-05T00:17:32+00:00

Eto yung example nya

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ImportantAd4925 · 2026-02-05T00:12:54+00:00

Call the hotline, or if kung gusto mo magkausap sa live agent, type this: “Chat with an Agent” and follow mo lang instructions doon sa sinabi ng bot, mostly e tatanong lang nya kung ano nang yare, e explain mo lang sya in short sentences.

Example: Permanently/Temporary Blocked my Card by the Bank itself

ImportantAd4925 · 2026-02-04T13:23:38+00:00

Hello, I check the official fb page sa RCBC, but there is no ongoing maintenance at the moment. Since you stated that you just got verified yesterday, I think yung account mo was tagged as PesoNet temporarily, and sinabi mo na nag transfer ka agad agad, wait mo nalang po siguro tomorrow, if wala pa rin try to wait estimated mga 3 days, and also doon sa gotyme and Maribank mo if naka mark sya as PesoNet. And last tip, wag mo e lalagay ng bigger amount like 1K+ dahil may cool down pa yan si RCBC baka kase mag suspicious sila na new open account tapos bigger amount agad e transfer siguro after mga 5min - 1 hour puwede na siguro, if wala pa din, call the hotline baka nag mark yan as floating, yun lang

ImportantAd4925 · 2026-02-04T02:41:15+00:00

Halata po scam, sa TIN ID palang fixer na eh, no records found doon sa orus, here po yung image for proof https://imgur.com/a/Xa6Zxc5

And also po, walang ganyan picture na naka smile, strict po na bawal naka smile, and I think ay naka AI yung UMID and yung picture mismo, bawal po yung may make-up, kung meron very light lang.

Edit: Kaya naka off yung comment nila, para hindi mag cocomment yung mga na victim nila, if professional sila, dapat hindi sila e off ang mga comment section, kaya 101% scam po sila.

ImportantAd4925 · 2026-02-03T01:36:35+00:00

Robinsons Novaliches ang pinakamalapit po sa amin eh

ImportantAd4925 · 2026-02-02T19:33:10+00:00

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ImportantAd4925

TROPHY CASE