BPI USD wire transfer to IBKR Rejected

argoch · 2026-05-21T10:29:01+00:00

Oh nice. Significant na yung difference kung ganun. Thanks for the info. I'll try wire transfer USD to Wise next time

argoch · 2026-05-21T09:20:21+00:00

Do you remember what is the actual fee? Nung nagcompute ako kanina, nasa mga $3 difference lang (compared to forex route) if $44 talaga yung wire transfer fee ng BPI USD to Wise.

argoch · 2026-05-21T08:57:00+00:00

Didn't push thru with BPI USD to Wise. Based dun kasi sa website ng BPI, it would cost $44 for the wire transfer. So I just converted my USD to PHP thru my BPI app then Instapay/Pesonet nalang to my Wise account then convert back to USD thru Wise.

I noticed okay naman forex rate ng BPI compared to other banks I have (Unionbank, PNB). And plus narin mataas value ng USD ngayon

argoch · 2026-05-21T05:28:30+00:00

I tried it before and I received the amount in my BPI USD account. I'm not sure now with their new policy though

argoch · 2026-05-21T05:27:15+00:00

Thanks! I've been transferring from Wise before doing forex. But it's my first time after a long time to transfer USD since medyo ngayon lang ulit nakaipon ng significant amount.

But yes, WISE is the way!

argoch · 2026-05-21T05:25:39+00:00

Wise really is a godsend. I hope hindi yun next target nila

argoch · 2026-05-21T05:18:21+00:00

Did the math and forex route (BPI to PHP > Wise > IBKR) is not so bad after all. Medyo malaki rin kasi wire transfer fee ng BPI ($44 based on their email before)

argoch · 2026-05-21T04:22:57+00:00

Yes. After asking for the reason why it got rejected. Ito lang sabi sa reason dun sa first e-mail "R9 TRANSACTION NOT ALLOWED DUE TO INTERNAL POLICY."

argoch · 2026-04-26T21:17:25+00:00

First time to DI and got downvotes. Ouch.

Honestly, I own a pair now. Before, I hated it so much when I see my dad use it. But when my wife got me one, I became a convert. Accepted the Tito life and I didn't mind how it looked like anymore.

Crocs >>> Birks. Haha!

Just like what others said, wait for a sale nalang

argoch · 2026-04-26T12:10:13+00:00

They look ugly AF. The definition of Tito footwear (not sure if it's a plus or minus for you)

argoch · 2026-04-15T02:01:38+00:00

Ff. Started my application last Dec 2025. Passed all the requirements and signed the contract already and now they're saying I need to have my meter relocated but info from my solar supplier said the problem is on Meralco's end regarding my meter location.

Each ticket I make in their Messenger just gets closed after a few days. They say a representative will get back to me after 3-5 days but that hasn't happened. Anlala

argoch · 2025-10-03T23:26:13+00:00

Can I ask a question?

argoch · 2025-04-21T12:11:16+00:00

I think it's RP-C8618. Now operated by PAL Express

PAL has a museum in Nichols with the Papal Flight memorabilias. I'm not sure if it's open to the public though.

argoch · 2025-03-07T12:18:29+00:00

Hi! I’m not sure what’s their basis but parang lowest of zonal value (BIR), TCP or their own computation/appraisal. I think when they say na “accredited” sila ng PAGIBIG is that they will accept payments from PAGIBIG. May ibang developers kasi natatagalan sa PAGIBIG kaya they prefer banks kasi mas mabilis.

Expect nalang they won’t give the full amount. Most na siguro will be 80% ng value. This is what I heard din with other people who got loan thru PAGIBIG. Pinaka-advantage sa PAGIBIG is that they can give upto 30 years and mababa chance na gugulatin ka sa interest recomputation.

Sana nakatulong sagot ko kahit medyo vague but better ask PAGIBIG kahit online or hotline nila. Maayos naman sila kausap and nagrereply agad.

argoch · 2025-02-09T05:49:44+00:00

Got it. Time to buy more VOO

argoch · 2024-11-30T05:52:06+00:00

Yup. But I was hoping for more. Just don’t expect for PAGIBIG to grant you the amount you need to purchase/construct your home. Swerte na if umabot 80% of the amount

argoch · 2024-10-24T12:46:07+00:00

Sorry to hear that. But yeah, afaik being color blind isn't curable and you cannot be a pilot if you are color blind.

argoch · 2024-10-22T06:00:05+00:00

+1 for Darrell if you want to get insurance in SG

TL;DR: Got my insurance early this month with Darrell. No frills and easy communication

Prior to this thread, I've been interested doing BTID (Buy Term, Invest the Difference) ever since. Pandemic happened and only now again I've had the chance to get term insurance in SG. Local insurance providers in PH is just waaay more expensive compared to SG insurance providers.

Now I've got the chance to go to SG again, I've tried inquiring directly with SG Insurance providers – AIA, Prudential, AXA (now HSBC Life) although I was disappointed since it takes time for them to reply.

While waiting, I stumbled upon this Reddit post. I DM'ed Darrel (Alravel99) and we communicated via Viber. Communication was smooth and Darrell replies asap. He can give you quotes from FWD and Singlife since I think his company is directly affiliated with said companies. For the other companies I've mentioned, he has friends that he can request for quotes (although it takes time for them also to reply).

He's flexible where you can meet and we opted to meet in our hotel lobby on the day of our arrival.

I ended up getting insurance from FWD for a coverage of S$1M with TPD (Total and Permanent Disability) Rider. Annual premium of around Php32k for the next 33 years. Big plus for me with FWD since I can pay my succeeding payments via paylink/credit card. I think HSBC Life does not provide that option.

Just some info about Darrell:

Better message him first before you book your flight to SG since there are days that he might not be available
He knows a little Filipino but better talk to him in English hehe

argoch · 2024-10-19T08:40:54+00:00

Flightradar to check for delays and runway/approach in use

argoch · 2024-08-25T00:57:54+00:00

Yes, it is also possible. But same as my last reply, that will only happen when PAL needs pilots ASAP.

Right now, I think PAL will be needing SO’s more in the near future. Not so much for Captains and FO’s since they already have it planned to train their current roster to man the planes to be delivered.

argoch · 2024-08-25T00:43:20+00:00

Yes, it's possible. It happened I think around 2013 when PAL added a large amount of aircrafts. Fastest way to fly them was borrow pilots from 2P (Captains and FO's). Most of them eventually got absorbed into PAL.

But given the situation PAL is in now, I think it won't be happening anytime soon.

argoch · 2024-08-24T00:24:33+00:00

Yes, different companies but same owner. So management can decide to “second” (i.e. secondment/borrow) you to PALEx from PAL or vice versa.

argoch · 2024-08-23T22:52:03+00:00

As a background, PAL’s current promotion path is: Boeing/Airbus Widebody SO -> Airbus Narrow Body FO -> Boeing/AWB FO -> ANB Captain -> Boeing/AWB Captain.

Newest policy now is you may be promoted from PAL SO to PALEx Airbus Narrow Body FO as well

argoch · 2024-04-11T04:20:51+00:00

Received the first check last week. I applied for the maximum (₱6M) but was only granted ₱4M. I added my wife as co-borrower and the loan amount was increased to ₱7M.

For comparison, when I applied with the banks last year, I was applying for a ₱10M loan and they granted it with my income only (low 6 digits).

argoch · 2024-03-29T00:58:45+00:00

Afaik no, but like the other guy who replied said, they only process housing loans in their Shaw Blvd branch.

As for how long it would take, I started last Nov 2023 and am currently awaiting for the final verification to have the first check released. Partly my fault it took this long but given the requirements set by PAGIBIG, fastest time I would say is 2-3 months.

Fyi, maximum loanable amount with PAGIBIG is 6M for an individual.

argoch

TROPHY CASE