GOTYME | Things That You Would LOVE & HATE about GOTYME DIGITAL BANK!
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- Опубликовано: 8 сен 2024
- Things I LIKE & HATE about GOTYME DIGITAL BANK! Whats Yours?
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Thanks for the bits of info...hindi naman namin problema iyong limitation sa cash in & cash out...problem lang ito ng mga taong may maraming pera. Hahha!
hello! i think it's okay lang naman po kung limited lang yung cash in and cash out options. wala naman po libre sa lahat. 18 pesos withdrawal charge is not that bad naman po same lang din from other banks. kung iipunin, mas makakatipid and mas mabilis yung deposit and withdrawal sa gotyme since pwede sa grocery/cashier. that's my opinion lang naman po hehe
Siguro Kaya limited ang cash out ay para sa protection din nung may ari ng card lalu na kung ninakaw ito o naholdap yung may ari. Para hindi masimot ng magnanakaw yung pera ng Gotyme card owner.
Yan din po sa mind ko..
Very informative. Thanks for sharing.
Agree duon sa concern mo on P10k cap PER TRANSACTION ... weird di ba? Bakit gusto mahirapan yung Cashiers nila? Sayang oras at effort of both customers and staff nila.
Yung concentrated sa Robinsons yung Cash In/out facilities nila, that I can understand - part ng Marketing 'Stragedy' yan.
Tho of course, for us customers, mas pabor yung mas madami pang outlets.
Yung sa P50k cap ng withdrawals/day, gets ko din yun. Siempre ginagamit din nila yung pera natin... kaya nga they give higher interest rates (compared to regular banks) Marketing 'Stragedy' ulit yan. 😅
But overall, OK sya... prayer ko lang, mas maimprove pa nila....
More power to GO TYME... and siempre, nag subscribe na din ako sa iyo Kuya 😍😘😘
Sir pwd ba detect kung sino may ari ng acct,ksi na scam ako gamit nya is Gotyme ,sana masagot po ako sir ...
For sure you know what AMLA is and I believe that's what the linits are for.
Hi! Newsubscriber here. Minsan ang hirap lang makahanap ng kausap tungkol sa paghahandle ng pera. Wala so far sa circle ko. Good thing may vids like this para maeducate haha
Same. Hahaha.
yaah same, tuwing nag aask ako about investing or about money para lang maimanage sana but sadly wala ako mapagusapan thats why nag research na lang ako magisa at sayang din yung araw kung hindi pa natin gagawin ngayon. Proud of myself, will share it to my friends kapag talaga maganda ang experience ko at mabigyan sila ng advice
Thanks for the info. Curious ako dito sa GoTyme Bank at may free debit card siya. Mas madali mag open ng account sa e-bank compared sa traditional bank. Nakakafrustrate kasi kung di tugma signature mo sa ID dahil sa katagalan nagbabago o sa katagalan din nakakalimutan mo na.
Thank you so much Sir..kaka open ko lang po kanina,kaya nag research ako about Go tym...Pa shout out lang po sana
Good explanation po! Pero panalo pa din ang SeaBank kasi daily at compounded ang interest rate.
Maganda kay gotyme walang charge kapag nag cash in . Sa gcash kasi kapag 8k lumagpas may bawas na . Next transaction
I think yung limit nila ay para sa money laundering. para hndi maabuso ng mga abusado. Alam nyo na. although kung ttignan ay makakapag transfer pa rin naman tlga sila. mejo pinahirapan lang nila haha
you can cash in on South Star drugs which is basically everywhere so hindi po sya limited into robs lang
Thank you for sharing that info.
Isa pa sa na gustohan ko kay gotyme sir pat is pag bumuli ka kay robinson or any partner store nya yung reward points mo if may robinson rewards ka pwde ma convert to cash
Yung points ba na yan is dipende kung mhal yung binili mo?
P1 for every P400 spend ata sa Rob supermarket / handyman and di ko sure kung P1 for every P200 sa department store.
@@robinmontemayor3790depende sa stores may points matrix sa site para mas sure dalawang pointing system kapag partner stores ginamit pero sa part ni gotyme laging 3x (200:1) kapag ginamit naman sa mga non partners (600:1)
The contacts are a bit distracting. 😂
baka may grado 😂
finally, someone said it 😂
Lol. So true. Anime ang peg.
yes, dapat GoTyme will revise their access. Higher transfer amounts. but hindi maging fee 3 transfers yan. Lets see and I think they are working on it. thanks. like your vlogs
Subscribed ❤🎉
Thanks for the information.
Salamat po idol, now lang aq ngkaroon nitong gotyme
The 50k limit is under the anti-money laundering act because they are a regulated bank under the BSP
Limit most likely para in case ma phishing scam ka, at least 10k lang ang mawawala sa yo.
it means nag iingat sila dahil hindi pa masyado secure yung plaform nila.
Oo nga gnun dn naisip ko cympre pngaaral p nl at Hindi pwd maisra pngalan Ng mayari Ng Robinson
Thank you for sharing that infos
Helpful video! Thank you very much sa info's sir. ♥️
ung promo nilang first sign up and may 10% cashback laking tulong kasi pag nasa labas ako ung points ang pambayad ko
Hey thanks for the transparency
yes upgrade Gotyme
solid na rin talga digibanks ngayon. sir baka makapag turo rin po kayo about uno bank? underrated po kasi yun para sakin
Ok. Thank you very much for the info... 🎉❤
No need mag cash out sa mall since pwd naman po syang gawing pang bayad ,good as cash din naman po yon,
Maya at Uno daily. Pero may Gotyme din ako. Thanks sa info sir.
Bakit 20% gross? Hindi naman income tax ito, at nataxan na Yan , witheld Ng company if salary or if galing business is quarterly Witholding Tax
Wow thankyou po kua pat..my ideas ako❤
Thanks for info. Sir❤
Also yung minumum cash in sana babaan pa nila, as a student this is a big thing for us para makapag ipon.
Mejo tumaas na po mga limuts ngayon Per transaction and Per day. And yung iba is unlimited na sya
yes po overall marketing strategy. pero it benefits naman po both sides.
natawa naman ako ron sir pat na sa sinabi mong "hindi kailangan ng mission para kumita ng interest" 😂
Kaya nga. Parang mas malaki pa nagagastos mo sa missions kesa sa interest 😅 may service charge pa pag nag pay ng bills.
Maya left the group. Haha
Wala talagang mission, nagsave ako sa gosave 2k nagkainterest 100
@@stanleycanada9432 gano katagal yun?
@@tash7754 as long as nasa gosave acc mo naggrow lng siya
Me 18 pesos na pong service charge sa withdrawals kahit robinsons bank at bumaba na rin to 4p.a.ang interest ni gotyme.
Kya cgoro may limit kc bka sakali mgka prblema sa system, atleast maliitvlng ang pera mo sa kanila..
Thanks sa info Sir
can you make a video po about sa benefit ng gotyme or how ks gotymes performance if used abroad or international travels?
Cuz if there a problem no large money will lost
Bihira sa bank ang mag credit daily..malaking task yan..kaya nga annually lng sa trad Bank. Napakataas din ng 5%, ung mga long time digital banks sa europe at U.S. dati above 5% din ngaun, 2%-3% na lng..malamang ganun din mangyari sa digital banks sa pinas after maging stable ang business operation at tapos n mga promotions.
I beg to disagree, it's not really tasking to have interest credited daily. Mas lalo na we are in the advent of AI technology, and it's a digital bank that why automation is not really a problem.
You know why most banks doesn't want a daily crediting of interest?... It's because habang "floating" pa yung interest mo bawat araw before such time i-credit na s'ya, pagkakakitaan muna ng mga banko yung suppose to be interest mo habang hindi pa credited. Invest muna nila sa mga central bank products and others, like T-Bills, Money Market, etc. That's why pabor sa mga banko yung monthly/ quarterly/ annual crediting of interest dahil napapa-ikot muna nila yung pera/ interest mo ng mas matagal at mapagkaka-kitaan.
Dahil rin sa non-daily crediting of interest, mas nagtatagal naka-park yung principal na pera ng customers nila dahil, kailangan maghintay yung customers nila ma-credir muna yung interest bago mag-close ng account dahil kung hindi sila maghihintay, masasayang yung interest nila dahil early termination of account yon. Mas matagal naka-park yung pera mo the better para sa mga banko. So strategy talaga nila yon to maintain clients and not really the reason na it's a big task for them.
@@JL-kf6pm naguumpisa p lng A.i. hindi p lahat automated lol. Chill k lng.
I agree, lahat nmn ng banko aim kumita ng interest galing sa funds natin, pero mahirap talaga sa administrative at accounting system nila magcompute at distribute pag daily lalo na pag super dami na users at mas naging complex ung allocations ng assets na hawak nila at pati risk management.
Simple lng if di banker or accountant nagsasalita na parang kaya lang gawin lahat sa excel lol.
@@aubreyrobin Have you catched the word that I say na "advent"? Oops! 🤭
Well, mukhang hindi mo alam. Advent means "arrival", so ikaw talaga ang chill dapat wala naman akong sinabing we're in it's golden age. Btw, automation/ computerization and programming has been here for decades. Wala na pong manual computation ngayon. Mas prone pa nga error ang mga tao/ employee kaysa computer.
Ang ginagawa na lang ng bankers ay sampling, hindi isa-isa.. And usually the system will automatically alert itself kung may possible errors sa crediting/ computations. Wala na pong Excel talaga na sinasabi mo.
Imagine SeaBank na categorized na rural bank na may digital banking platform, dinaig pa yung Bank of America, JP Morgan, Citibank, etc. na top banks of the world, sa kayang mag-daily crediting ng interest. Digest that! SeaBank is related to Shopee na known na online shopping platform sa South East Asia, headquartered in Singapore.
Why I know this? I've been in the banking industry for a total of 12 years. Worked at JP Morgan for 8 years, FYI. Kaya hindi ko alam yang pinagsasabi mo. Wag kang mag-assume na baka iyon ang ginagawa ng banking industry, kung wala ka namang first hand experience. Hindi ito yung parang nag-iinventory ka lang ng bilang stocks ng produkto sa warehouse.
You are just hurt na meron nag-clarify sayo kung ano totoo kaya sarcastic yung response mo. Wag ng mag-dunong-dunungan unless part ka ng treasury department ng banko or higher ups, if teller ka lang or branch manager levels ang knowledge mo, it doesn't count kasi lahat ng nangyayari sa daily clearing/ validation/ interest rate crediting, etc. ay nangyayari sa head office.
Sa BDO Corporate Center pa nga sa Makati, may mga supercomputers sila na 3 floors high, that does the those job sa argument mo. I've been there with my mom when I interned, kasi she was part of the treasury department.
So cut your made up BELIEFS and stories. Iba na ngayon, yung kwento mo ata sa panahon pa yan ng banko ng mga Rothschild, na extinct na ngayon.
Going back to my main argument, the longer n napapa-ikot at napapa-kita ng banko ang interest mo at ng principal na pera mo, mas kumikita sila. Kaya its more of strategic na monthly/ quarterly/ annually ang credit ng interest rather than "HIRAP SILA MAG-MANUALLY COMPUTE" araw-araw. 😅🤣
@@aubreyrobin Everything is predetermined and precomputed na ng computers. Projections ng cashflow is there na and buffers. Why banks need fst thinking computers? Kasi if mabagal lahat, malulugi sila, why? Excess cash needs to be reinvested rightaway, bawal patumpik-tumpik. Excess cash from the main treasury is remited to the central bank para ipasok sa financial facility, earning high yields. Those rates are exclusive only for BSP regulated banks and not the common people. Kaya kung manual p lahat at mabagal, sayang ang kita sa excess cash. So don palang alam na natin programmed n lahat khit interest rates ng clients by end of day, solved na ng computer yon, waiting na lang sya the next day for another one. Hindi isang bagsakang computation yon. Its always end of day. Instapay, Pesonet, Visa, Mastercard, and other bank system nga realtime na. Huli k na sa balita. Tapos yung mismong banko sa daily services nila hindi kaya ng computers nila ng atleast end of day. 😅
And to add, risk management sa interest crediting, seriously? Hindi naman loan yan or credit card na may fraud na mangyayari. 🤣 1st interest is based on the amount of money by the client/customer, end of day. 2nd walang control ang client sa interest, ano yon manipulate nila 🤣 3rd Computed na yon ng computer ng banks by end of day, theres no human hand controlling the interest. So why may risk management sa pagbibigay ng interest, its the clients given right. Again, everything is programmed, if may errors the systems will alert itself and sampling lang ginagawa ng accountants kung tama ba. 😅
Again, ang main argument is interest crediting parang you sounded na ang problema is withdrawals na, kasi yung defense mo napunta na rin sa asset allocation. 🤣 Kung 5% ang interest, 5% talaga interest, its FIXED kaya yung allocation is automatically FIXED na rin so indeed its precomputed na or alam na ng banko kagad ang projection.
Interest crediting is done by computers, preprogrammed. Yung mga risk mangement na yan at asset allocation na sinasabi mo more on sa ibang department na yan at sa ibang services na na-inoofer ng banko. Your jumping everywhere na. Ang isang department sa isang banko may kanya-kanyang roles at walang hiraman 🤣🤣🤣 Kung loans accountant ka, doon ka lang sa loans department. Kung credit card accountant ka, doon ka lang sa credit card department. Lol! 🤣
Kontra ka kasi agad eh advent pa lng pala lol
Thank u 4 sharing ako nung time k is 4% interest na Lang hindi n 5%
so if tau
ay malau s Robenson for example s Dvo Or ang lau n mn s Tagum,ang mbuti seguro mg lagay saibng Banco upng mkpg witdraw lalong lalo n kng emergency,sna sgutin nyo to,slmt
Nice sharing.
About gcash master card vs gcash visa card nxt topic
Maganda sn gotyme bank kso hnd kumpleto ung s mga billers nla unlike s gcash mrmi masko local n lugar s town like angeles electric corporation or pldt...ska damihan pnung booth nla s mga malls or iba pang lugar..Ask k lng poh insured b mag depositor dito?kc theur online ang registration kumabag wlang documentations tlg s mismo bank inxase msira system nla safe b ung mga ipon dito?may habol b tayo
Ginamit ko lang ang Gotyme nung nag Singapore ako kasi mas okay daw kesa sa Gcash, ngayon nag Maya nako hehe mas okay ata unlike sa Gotyme
Tap to pay din ba yung card na pwede gamitin sa mcdo or ibang store/resto as payment?
Amla is everything about ur concern. :)
nag avail ako ng gotyme card bago palang maganda yung channel subs na ako sayo dami ko na nakuhang info about sa Gotyme salamat!😊
I have Gotyme and MAYA . The only thing i like in MAYA is the mayacredit which is wala si GOtyme. hmm sadd
Well explained Sit Pat👏👏👏
Twag po dun marketing. Edi sana tinanung nyo nlng yung may ari
Baka kasi gusto nila gamitin as savings talaga. Yung iba kasi labas pasok siguro yung pera para mag-earn ng konting interest.
the limit is for protection and regulation yan otherwise magagamit sya laundering
Thanks for sharing
Thank u po sir kakasimula ko lang din nito sir sana po matulungan mo po ako papaano mag cash in stc pay to gotyme po 😢😢 thanks po watching from saudi arabia
Paano hanapin o malaman kong cno mayari ng account number para sure ka kong sino pinapadalhan mo
PANO MALALAMAN YUNG FULL DETAILS NG GOTYME NG ISANG CLSCAMMER?
Always watching ur videos super galing😊
Thank you so much 😀 Glad you like them po.
Anyone here from dubai na nag try mag cash in sa mga remittance papuntang GoTyme
Sir Pat Anu po ba ang magandang digital wallet para sa investment sa crypto currency
Wala na po daw limited ngayon sabi nila
Money transfer po siya nationwide
Interest earned from your Go Save account is credited every 1st of the following month and is subject to 20% withholding tax.
the last part, what does that mean?
Sa withholding tax po kaya subject to 20% kayo is dahil po yan sa kinikita nyo like siguro nag-exceed na kayo sa 20,000 php eh talagang magkaka-tax na kayo hehehe
Medyo konti lang po alam ko sa tax ih hehe accountancy student po ako kaya ko po alam.
Atsaka po pala kaya subject kayo sa 20% withholding tax ay dahil po sa saving banks from peso bank ganun po. Normal po sa ganyan ay may tax po talaga
Kaya din po bang gumawa ng gotyme bank ang isang tao na kumuha ng details ng iba, gagamitin po ang details ng iba para makagawa ng gotyme bank, salamat po
thank u po
Thank u po sa sharing☺
may may limit para di gawing parang gcash na may kasama rewards kaya may cap sila kaya sila naglimit
Feeling ko yung cap nya per transaction is para talaga sya sa cash out, kasi cash out lang naman ang may prob kasi naka depende ang cash out sa available na cash ng cashier
Hindi padin supported sa huawei phone
Agree to all points you’ve discussed. Have you tried using your debit card for on line payment transaction? I wasn’t able to use it for paying my airline ticket online particularly SG air. Raised the issue with the customer service, they wasn’t able to give me clear explanation.
new subscriber po me , natutunan ko agad yung cnv mo kuyabpath, thankyou po
Pwede po ba gamitin ang gotyme bank debit card kapag magbabayad ng bills sa McDonald's?
Need ba ng password pag magwithdraw sa mga bancnet? I forgot my pw, pero accessible ko lng using my fingerprint sa phone.😅
Ask kolang po kung pwede si GoTyme Bank padalhan at marereceive ba sya ng maayos from kuwait ang magpapadala please need ko sagot para si GoTyme bank na yung magagamit ko pang received ng padala galing kuwait thank you sa makakasagot....
Opo nakatulong po ang video nato
Madami ako natutunan kuya s❤❤ lalu na sa gotyme at seabank
Ganun talaga ADB tawag dun kaya 1st day of the following month Ang interest. Ina average daily balance saka compute Ng interest. Kung naka plasta Yun 100k at Meron ka dn deposit na petty cash na 50k is kaya mo ma compute agad Ang interest rate is 5k, Anu ba ito taxable?
All interest income are taxable 20% of gross. With regards to adb, compared to other banks such as maya bank, seabank, uno bank they are offering daily crediting of interest income.
RCBC ang 25.00 fee na gang ngayon, di parin bumababa
Sa gotym po b pweding ibahin Yung name naka lagay sa account name
new subscirber💓
Hello sir, tanong ko lang po nawala yung points na sa gotyme bank sa app. Hindi ko alam saan hahanapin kasi yung naipon ko. Sana matulungan niyo ako. Salamat
Pag hnd credited ung interest does it mean na hindi din sya compounding? I think sa Maya or Seabank compounding kc daily ang interest
hindi sya compounding daily but compounding sya on a monthly basis like traditional banks.
Hi Po puwede Po kaya magamit ang gotyme bank pag pinadalhan pag international or dito lang po sa Philippines
Sir Hindi ko Po maopen go tyme bank ko....
Yung transfer na 3 fimes per week yun alam ko refresh ulet sya every week
Mag refresh ba ang 3x instapay like kang SeaBank na weekly? Ur yang 3x na bank transfer E good for 1 month? Sana masagot pat. Thank you
Per week po ang refresh
@@PatQuinto noted po. Palage ko inaabangan mga vlogs mo. Since same tau ng business👌 and mag vlog ka din po about maya savings. Nakita ko kasi ngayon from 3.5% naging 5% na ang akin. At until when ba ito sana po yan na vlog mo sa susunod. Keep it up.
Paano nagbank transfer ako galing landbank to gotyme ng Linggo ng hindi nya pumasok makukuha ko ba sya
Kuya pat. Ganun talaga Kasi sila Ang gumagawa ng mga tuntunin sa kanilang gotyme card na Hindi mo gusto sa gotyme card. Kaya ako Doon parin ako sa Robinson's reward card lang at magbayad Ng cash o gcash or Maya. Nakita ko yang gotyme card sa kaibigan ko.
kaya sila naglimit sa cash in cash out para di gawing ipon ng points rewards naging abusado n sila
Thank you po sa malinaw na pagpapaliwanag
Sir paano ba mag transfer ng pera from GoTyme to GoTyme bank visa card sir sana magawan mo sir ng tutorial
Pwedi po ba yan sa PAYOUT ng FACEBOOK sir ?
Hello sir mag kano na po limit ngaun if mag transfer ka ng pera from other bank tapus transfer sa gotyme mag kano po limit ?
Saan ba meron Gotym na bank parang di aqo masyado pamilyar
Informative
3 free bank transfer pero di sinabi kung kailan nag rereset
Thanks sa info sir..
By the way sir, under ba ang gotyme ng Robinson's Bank?
Under po ng gokongwei at tyme bank. Si robinson bank po ay under din ng gokongwei pero nabili na po ni bpi
ang galing naman ng bpi
Salamat po❤
5:20 nakapulot po ako ng 2400 sa kalsada, just saying :D