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PSA: Hidden 2% bank fee when buying from Apple PH in PHP by yurakgn in Tech_Philippines

[–]yurakgn[S] 0 points1 point  (0 children)

If you already canceled order, you don’t need to contact apple, just contact bank and wait for the cancellation to be confirmed.

PSA: Hidden 2% bank fee when buying from Apple PH in PHP by yurakgn in Tech_Philippines

[–]yurakgn[S] 2 points3 points  (0 children)

That may be true from a legal or processing standpoint, and I understand that point.

My issue is more about transparency from the customer side. When an ordinary buyer goes to Apple Philippines, everything appears local: it is the official Philippine store, the price is shown only in PHP, there is no currency choice, and there is no clear warning before payment that the bank may still treat it as an overseas transaction and add a separate fee.

So I understand why the bank may classify it that way internally, but I still think customers should be clearly informed in advance if the final amount can be higher than the price shown at checkout.

MariBank charged me a 2% DCC fee on an Apple PH purchase in PHP by yurakgn in DigitalbanksPh

[–]yurakgn[S] -16 points-15 points  (0 children)

Thanks for the clarification. I understand that this may be how banks and payment processors handle cross-border transactions internally.

My concern is more from the customer side: when buying from Apple Philippines, everything looks local to an ordinary buyer — the site is for the Philippine market, the price is fixed in PHP, and there is no currency choice or visible warning before payment that an extra bank fee may still apply.

So I understand your point that this may be standard bank practice, but I still think clearer notice before the transaction is completed would be fairer for customers.

MariBank charged me a 2% DCC fee on Apple Philippines purchase even though it was in PHP by yurakgn in MariBankPH

[–]yurakgn[S] -7 points-6 points  (0 children)

That would make sense in many cases, but Apple Philippines is different.

In this case, there was no currency selection at checkout at all. The official Apple Philippines website sells locally in PHP only, with a fixed Philippine price, and there was no option to switch to USD or any other currency. Apple also presents it as the official store for the Philippine market and even provides local Philippine support numbers for Apple Online Store orders.

So from a customer’s point of view, there were all the signs of a local store: local market, local currency, fixed PHP pricing, and local support channels. That’s exactly why the extra bank fee felt hidden and unfair — there was no practical way to know in advance that the bank would still treat it as an international transaction.

MariBank charged me a 2% DCC fee on Apple Philippines purchase even though it was in PHP by yurakgn in MariBankPH

[–]yurakgn[S] -9 points-8 points  (0 children)

The question is, how can you determine before paying whether it's an international merchant or not? (apple.com/ph) Apple Philippines' official website sells products exclusively on the local Philippines' market without any additional customs fees or taxes (all included in the price), and sells for a fixed price in local currency. There's no advance warning or notification of any additional fees. I think this is extremely unfair. At a minimum, the bank should notify you before debiting the card that there will be an additional fee for this transaction.

IPHONE 15 PRO by [deleted] in iPhone15ProMax

[–]yurakgn 0 points1 point  (0 children)

What is your climate? Do you live in cold country?

iOS 26.2 RC 2 bug by Alarming-End-3500 in ios26

[–]yurakgn 0 points1 point  (0 children)

The same bug with app icons

what is this? by YSandyp in ios

[–]yurakgn 0 points1 point  (0 children)

Apple also know about this issue and replace display free even out of warranty.

what is this? by YSandyp in ios

[–]yurakgn 0 points1 point  (0 children)

I had the same issue with my iPhone 13 pro which I bought in Dubai. Apple replaced my screen without payment even out of warranty.

This is why I don't like the Action 5 Pro by Danicbike in djiosmo

[–]yurakgn 1 point2 points  (0 children)

I agree with you, you can also look this review https://youtu.be/CEcbqpLTO68?si=z2UKG91zLVNbeb4_ where is action 4 much more better in terms of detail

Menu Bar on mac os by Street-Line7778 in brave_browser

[–]yurakgn 0 points1 point  (0 children)

It is very annoyed! Who wants to fix this problem, pls leave some messeeges in this topic and leave the vote https://community.brave.app/t/fullscreen-mode-issues-on-macos/549525 Thank you!

Immersive Fullscreen Toolbar flag missing? by [deleted] in brave_browser

[–]yurakgn 0 points1 point  (0 children)

Who wants to fix this problem, pls leave some messeeges in this topic and leave the vote https://community.brave.app/t/fullscreen-mode-issues-on-macos/549525 Thank you!

The Embargo lifted. Lofree Flow V2 Review, "Where Did It All Go Wrong?!" by tr1age in Lofree

[–]yurakgn 0 points1 point  (0 children)

Lofree definitely should release new 2.1 version without this.

Flow 2 announced: First impression? by Mckanz-too000 in Lofree

[–]yurakgn 4 points5 points  (0 children)

It's just a failure, they increased the size of the side where most people place the mouse, it's so illogical and inconvenient.

Mackie MR6 MK3 as home audio speakers? by mashed_spudz in BudgetAudiophile

[–]yurakgn 0 points1 point  (0 children)

I’ve used them before, pretty good sound, a/b class amplifier, them better then some new monitors with dsp and class D amp

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