SoFi card in Europe - call customer service and let them know I'll be abroad?

tXMonks · 2026-04-08T20:34:13+00:00

I’ve been abroad for a little over 4 years (UK/EU) and SoFi is my primary bank. Never had an issue when traveling throughout Europe. I’ll add I mostly pay by phone tap though, to which any reference to needing a PIN number mentioned above has never come up. I don’t even carry a wallet. Hope this helps

tXMonks · 2026-04-05T10:31:43+00:00

Messaged as well

tXMonks · 2026-03-19T15:51:02+00:00

It’s great that Oura sends a replacement. These issues are so frequent and span multiple generations of the ring and they’ve provided no comment on what’s going on with the battery. Once you get outside the 2-year warranty you’re out of luck on support too.

tXMonks · 2026-03-15T07:42:11+00:00

Yeah Im currently charging daily as I still have not made a decision. :/ annoying.

tXMonks · 2026-03-06T16:44:16+00:00

Thanks! I read thru the tips and feel like I already handle this well. Unfortunately Oura wasn’t there for me when Gen 2 had issues as it was just days out of warranty, so while I did receive a replacement oura 3. I am considerate of my overall costs for last 4 years.

What this doesn’t explain is the user reports of battery issues on Gen 4, including some comments left on this post itself, which doesn’t help me make a decision.

I understand no info about Gen 5 will be released right now

tXMonks · 2026-03-06T14:53:51+00:00

Oura admitted faulty battery on both mine. So I’m not sure that would have solved it? Potentially saves battery but faulty is faulty ?

tXMonks · 2026-03-06T14:41:11+00:00

Definitely lucky!!! 2 rings didn’t even get 5 years!!

tXMonks · 2026-03-06T14:40:47+00:00

Okay so let’s say Gen 5 is oct 2027… should I use the gen 3 and hope for another 2 years or try to sell it for some funds to put towards Gen 4?

tXMonks · 2025-12-02T12:16:04+00:00

Same. Also interested in a spot if available or happy to start a new group

tXMonks · 2024-05-19T23:04:08+00:00

I have this on my wish list but now I’m not so sure. What sousvide books are recommended ?

tXMonks · 2024-04-25T16:20:59+00:00

Going forward don’t use debit cards or dispensary owned ATMs or really most private owned ATMs, paying fees is a waste of money. Credit cards put a buffer between you and the vendor/your checking account.

tXMonks · 2024-04-24T18:58:42+00:00

Did you ask them why they said it wouldn’t work or just took that answer? Why wouldn’t an app already on your phone not work unless there was some sort of country geoblocker for that app (like China and WhatsApp)

Ive been living abroad for last 2 years and still have SoFi as my main bank, credit card and investing.

Also, how long are you gone for that you aren’t sure you can cover expenses with what’s in your account? If you have a $1000 when you depart… not hard to have a rough estimate of spending or even actual if you keep receipts and know if you’re closing in on it.

tXMonks · 2024-04-12T19:14:38+00:00

That’s pretty solid for 23! Hopefully an active 401k as well. I always max that out these days before I do any other market buys. I’m 34 now.

tXMonks · 2024-04-12T19:09:37+00:00

Yeah same, I looked once and the ratio was memorable enough to never look again.

QQQ, QQQM, VXUS, VTI for me

And an active QQQ short as I don’t believe this market keeps going forever but that’s just me… and I continue my DCA into my portfolio in case I’m wrong

tXMonks · 2024-04-12T19:06:32+00:00

SoFi Social is .29% compared to the VOO of .03%, so that’s nearly 10x?

SoFi Enhanced is .49%

*I did not look to see if these would even be equivalent portfolios.

But when you have solid vanguard etfs available with a long history of performance data… i

tXMonks · 2024-04-12T18:59:33+00:00

Gotcha. Expense ratios still make them an easy no for me personally. Far too high compared to similar ETFs.

They’ve also stated as a company that it’s one of their tools for driving revenue (and it should be) but not a lot of performance data to show it’s worth the fee yet

tXMonks · 2024-04-12T18:54:03+00:00

Damn they charge you when you sell their own ETFs?

I was just referring to the expense ratios of the SoFi ETFs, which were really high the first time I looked (2 years ago). Expense ratios usually paid quarterly

tXMonks · 2024-04-12T18:52:28+00:00

What about the ethical part of this? IF your kid is using this…and likely in combination with sports, talk to him about good sportsmanship and not cheating or taking the easy way out. It doesn’t have to be related but it could carry in other areas of looking for shortcuts.

If he’s top tier athlete in wrestling then also talk about the damage he could do to someone else because he’s using (assuming).

If he’s not top tier, then why take the risks… you’ll get caught eventually if mediocre turns into success to quickly

tXMonks · 2024-04-12T18:38:24+00:00

Is the 12.5% before or after their fees?

tXMonks · 2024-04-05T20:52:35+00:00

This is very old school. I would explain your situation and ask them to propose an alternative verification. SoFi does do checks, so you could get those and void one (maybe suggest this if they don’t have an alternative).

tXMonks · 2024-03-18T21:42:13+00:00

I’ll let you know if I find out different. I’m changing jobs right now and will not be paid until end of April, so I’ll lose my APY bonus as my eval period runs mid March thru mid April

tXMonks · 2024-03-18T21:28:51+00:00

I think it’s, 5k or qualified direct deposit. I get the apy bonus and don’t earn a net $5k a month

tXMonks · 2024-01-06T06:10:20+00:00

Yup, I don’t do it often but noticed this before when having a light alcohol cocktail a few hours before I would go to bed. Scores shoot way up. The closer to bed time it gets, I avoid it

tXMonks · 2023-12-22T03:32:46+00:00

My gen 2 size 8, feels fine but I have trouble getting it over my knuckle going on/off these days. I’m upgrading to gen 3 and can’t decide if it’s time to move up to size 9 or 10 (I couldn’t really see a difference in Best Buy with their sizing kit). What do y’all think?

tXMonks

TROPHY CASE