The Best Philippine Digital Bank Debit Card to use abroad/internationally | Digital Banks | FOREX
Hi Guys!
I finally did this test where I used all my digital bank/ewallet debit cards internationally to see who and which bank gives the best rate when purchasing items abroad.
For this test, I bought all items in their local currency (Korean Won) and I checked XE.COM for the FOREX rate during time of purchase to compare FOREX rates.
Google Sheet with Computations - docs.google.com/spreadsheets/...
🕰️ TIMESTAMPS
🌟
➜ 00:00 - Intro
➜04:00 - Buying and Purchasing the Items
➜05:27 - Back in Manila (Recap of the Test)
➜06:55 - GoTyme
➜08:11 - Maya
➜09:44 - Komo
➜10:42 - CIMB
➜13:59 - GCash
➜15:40 - Recap (Winner and Loser)
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The Best Philippine Digital Bank Debit Card to use abroad/internationally | Digital Banks | FOREX
Пікірлер: 299
Guys, tama ba hula niyo?!
Wow? This is a good one! Not a lot of videos on yt like this exist. Very helpful.
@Jax & Jaz This is the kind of video that is extremely well thought of and had their audience on mind.... I have all these cards with exception of Komo and this had been absolutely helpful... thank you so much for this and you have earned 1 more subscriber here😊
Good thing I stumbled upon your vid. Sheeeet. Kc i was looking for informative video kung what card ba pwd gamitin internationally. Thank a bunch
thank you for creating this kind of content, as a Filipino trying to travel abroad as possible- this kind of content is really a lifesaver! Thank you Jacques 😊
@JaxReyes_
Жыл бұрын
awww ty too john!!
@jaye12275
Жыл бұрын
@@JaxReyes_ now I know what debit card to use when travelling internationally (learned from you that not all banks have the same forex rate)
Hi Jaxx! Thank you for inspiring us to use our debit and credit cards wisely! I super appreciate you.
I am actually wondering about this right now. I stumbled on your video while looking for answers. Thanks for this informative content!
Excellent video! I was wondering about this fora while!!
Very informational! Thanks for this video! Glad i registered for gotyme it seems really good for international purchases 😅
Thank you for making this vlog. Very helpful and easy to understand as well :)
Really useful video! Going to Canada in the later half of the year so this is really useful! Thank you!
@JaxReyes_
Жыл бұрын
Yey!! Glad it is helpful!
@JanethNaybe-dm1vj
Жыл бұрын
Hello po can i use my gotyme bank travel this year ti nz
niiice kaisa isang nakasagot sa lahat ng comparison na gusto ko malaman HAHAHA salamats
This is so timely kasi my lil bro’s currently studying abroad and he just asked if he could use his maya card abroad. That high rate though 😥 at least may last resort siya for the meantime. Thanks, Jax!
@JaxReyes_
Жыл бұрын
Oo at least meron backup. Welcome!!
Grabe ang effort mo, Jax! Hehe! Thank you for this! Imma get my GCash card! 💯
@JaxReyes_
Жыл бұрын
hehehe! thank you!!
Beh intro pa lang, I love it na. I really, really like how you talk. That enunciation is on point.
@JaxReyes_
Жыл бұрын
awww thank you so much po!!
yeyyy new vloggg thank youuuu for thissss 😊😍
@JaxReyes_
Жыл бұрын
Aww welcome!! Enjoy po!!
Super helpful. ❤ I will travel to SG this year, I was thinking what card to use. Because of you, nag purchase na ako ng Gcash Card 😊
@JaxReyes_
3 ай бұрын
yey safe trip po!
Thank you for this, Jax!!!! ❤
@JaxReyes_
Жыл бұрын
Welcome po!!!
Oh my god, this is so helpful! I'm so glad I was able to come across your video since I'm planning to go to KU this November and in constant search of the best way to convert my money to their currency or if I should just use mu card. THANK YOU! ❤❤
@Aya-fm3pe
10 ай бұрын
Although I hope there are no changes happened yet since this video was posted 8 months ago na pala. Still, a great help ♥
Thankfully I find ur videos, this is vey helpful since Im traveling to EU this year. ❤
@JaxReyes_
11 ай бұрын
yey!!! happy trip po!
Thanks Jax for the efforts and actual experience....
@JaxReyes_
Жыл бұрын
awww thank you hansky!!!
ayan na!! feeling excited!
@JaxReyes_
Жыл бұрын
Tama ba hula mo? Hehe
Great content, thank you so much! Silent watcher of your tiktok vids 🤭
@JaxReyes_
Жыл бұрын
awww thank you so much anne! :)
Thank you for this video! 🙏🏼 All your other bank-related videos were also very informative. 🫡
@JaxReyes_
Жыл бұрын
Awww Ty naman po excel!! :)
Thanks for sharing! The best ka talaga
@JaxReyes_
Жыл бұрын
welcome po!!
Super helpful talaga ng vlogs mo!
Thank you for this po. 😊❤️🙆🏻♀️ We truly appreciate your effort to do this video. It’s so helpful and very informative lalo na sa mga May plan po to travel abroad next year 😊 P.S Waiting here po for next video about BPI master card vs BPI Visa card ☺️
@JaxReyes_
Жыл бұрын
aww thank you! Yes yun ang next natin haha
Thank you for sharing. Also shared this to my friends
I don't usually make YT comments but I had to because I thoroughly enjoyed your comparison. This video is very helpful! :) Too late Maya ang gamit ko during my recent travel sa SG haha! Although I noticed lang din na they do make adjustment after the process the payment. Nonetheless, I think mataas pa din, siguro mga 3-4%. Again, thank you!
@JaxReyes_
Жыл бұрын
Aww thank you!! Glad you enjoyed it! Yes, next time try using GCash its really one of the best out there
Omg thank you sm! I was planning on using my Maya card as a transport card in SG pero buti nalang I discovered your video. So eto nagorder na ko agad ng GCash card haha.
@JaxReyes_
Жыл бұрын
YEY!!
@marieantoine
Жыл бұрын
Hello! Nareceive mo na ba ang Gcash card mo? Were you able to link it sa Gcash app? May nabasa kasi ako na may problems daw Gcash mastercard kapag ilink online.
i just got my gcash card today n found out from ur card review that its d best. thanks kabayan.
@JaxReyes_
Жыл бұрын
yey!! :)
Salamat sa info. Nag ka idea rin ako.😅😅 Next naman sana atome.
Thank you so much for this!!!!!
@JaxReyes_
Жыл бұрын
You're so welcome!
Best Philippine Digital Bank Debit Card to use sa pinas naman next, new subscriber here!
Yey! As usual, very informative vlog. Pero how about debit cards from traditional banks? I hope you make a vid about it as well. And if they’re better than digital banks ba? Thanks and more power!
@JaxReyes_
Жыл бұрын
Thank you Roy! Nice idea pero baka very limited lang since I do not use a lot of trad banks's ATM card hehe
Thanks for this!!!
@JaxReyes_
Жыл бұрын
Welcome!!
thank you...very informative po
@JaxReyes_
Жыл бұрын
You're welcome 😊
Very informative topic :)
@JaxReyes_
Жыл бұрын
thank you!
I used GoTyme recently to withdraw funds in Bali and they have low rates which gave me the best value. Planning to use it in KL next week.
@JaxReyes_
Жыл бұрын
try gcash and cimb next :)
@cheezaness9800
Жыл бұрын
Hello. How did you ask permission sa CIMB po na gamitin niyo siya abroad?
Thank you for the very informative video. Unfortunately, I used Maya Visa debit here in Bangkok. Peste! Hehe. Oh, well at least I know now what to do next time. Charge ko na lang ang 5.xx% difference na yun to "new experience rate" since this is my first time in Bangkok Thailang. Hehehe.
We love you kahit anong lighting pa po yan 🤍🥹
@JaxReyes_
Жыл бұрын
awww sheelmet naman whahaha as always
I suggest you do the tests during weekends when the Forex market is closed. That way the rate does not move.
super helpful!
Thank you, very informative!! Curious, between Gcash mastercard vs Visa? Which network would give you lower rates?
Hello po, have you tried withdrawing cash using cimb atm? Advisable po ba magwithdraw via atm or money exchange na lang po?
very helpful!!
@JaxReyes_
6 ай бұрын
Glad it was helpful!
kukuha na nga ako ng GCash Card. thanks sa video
@JaxReyes_
Жыл бұрын
Welcome
gcash recently changed their cards na to visa.. i wonder if it’s still the same rate
Hello thank you sa video po god bless😊
@JaxReyes_
Жыл бұрын
yey!! ty
Thank you so much!!! As soon as I saw your post in Tiktok I went straight to KZread to find you and ofcourse subscribe na rin. Very informative and helpful for people like me traveling soon. Just a quick question, how long can I use th Gcash Mastercard, is there a timeline/deadline I can use it? In context I am leaving the philippines for a year and super mahal mag money transfer from Western union or other bank, but if I can use Gcash in europe (family will deposit to my gcash while I'll use the card) this will be a great and helpful insight. Hopefully I can get answer from you.
@JaxReyes_
Жыл бұрын
awww thank you so much! 1. No naman, as long as your card is not expired, then you're good. 2. agree on using it as a card to swipe to pay or even withdraw via ATM which i recommend withdraw a big amount vs multiple times since atm fee will be charged per transaction.
Ayows!! AUTO FOLLOW!
Thank youuuuuu!
@JaxReyes_
Жыл бұрын
Aww welcome!!
Ang galing ah, Oo nga GCash na lang cancelled na ang ibang card. 🤔Thank you 😀
@JaxReyes_
Жыл бұрын
😍😍😍
Just got my GCash Visa Card to use on my trip to SG. We'll see. Bibili ako ng shoes sa IMM using the card.
@dreamtogether5985
10 ай бұрын
how was it po using gcash visa card? Planning to use it when I go to Malaysia rin po kasi eh. hehe
Hi Jax. Pwede mo ba ireview yung Wise debit card?
ATM Withdrawal Overseas sana next. 😅 Will travel next year sa Thailand, ang sabi ng iba okay daw ang forex rate ng CIMB kasi may mga CIMB sa ASEAN Region.
@JaxReyes_
Жыл бұрын
ayan ang maganda next whahaha pero baka ililimit ko lang to a few banks hahaha
@giselleandoy164
Жыл бұрын
@@JaxReyes_ include CIMB please. I've tried withdrawing sa Singapore and Malaysia, wala syang fees and almost same rate lang sa forex within that time. Curious ako if ganyan din ba sa ibang countries.
@ekoydakoykoy
Жыл бұрын
For Thailand, Ok sana yung CIMB pero yung banko nila dun wlang ATM (ChiangMai) gusto ko sana mag withdraw.. So nag try ako mag withdraw to any THAI local bank meron Talaga charge na 250 baht ata yun per transaction ng foreign debit, wla ako nakitang banko na hindi nag chacharge. i inform ka naman nila na may charge nga
Tanong lang po, okay po ba ang Gotyme card for international transactions? Pwde bang maka receive from the likes of Wells Fargo debit card?
Hi po pano po loadan ang gotyme if nasa abroad ka po? Yong gotyme 'account number' lang po ba ilalagay as bank account?
pwede ba to mag receive nang wire transfer from other countries bank?
Hi Po.. good eve Po. Ask lang Po pag nagbayad kapo ng bill due date mo sa BPI Credit card, realtime posted Po ba Yun kaagad?. Or may duration Po para mag revolver pabalik ang limit ko?. Thanks Po
Hi jax! Have you tried doing cash advance/ cash withdrawal using your credit card abroad to withdraw that country’s local currency? What are your thoughts?
@JaxReyes_
Жыл бұрын
no not yet :(
How's Forex for gcash these days? still good ba? planning to use it for my Europe trip next week
Very informative. Sakto papunta akong sokor sa sept to attend concert 🥰
@JaxReyes_
11 ай бұрын
yey! :) ingat po
The effort for this is *chef's kiss* thanks for this. Is gcash card rates for withdrawal also good din? Im going to sokot din this weekend
@JaxReyes_
11 ай бұрын
yes ok din rates niya together with cimb
Travelling soon, gusto ko po sana kumuha nung Gcash card since sya ang nagwagi, kaya lang Gcash Visa na ang available, not the Gcash mastercard. May pinagkaiba ba sa magiging forex rate ang dalawa?
Magiging Same Rate parin kaya yung Gcash kapag ginamit yung ilalabas nilang Visa Card? Pano din yung rate ng Maya if I use Maya Mastercard?
jaxx can I use gcash to withdraw money from ATM abroad? or pang swipe swipe lang sya? 😂 gusto ko mag withdraw para I can spend with cash sana. mas okay ba yon? thank you im advance!! ❤
Hello po! Thank you very much po for this video, super helpful po :) ask ko lang po, okay din po ba gamitin ang BDO debit card? thank you po!!
@JaxReyes_
11 ай бұрын
yey!! bdo debit might have higher rates lang than gcash and cimb
Paano madami ka cards d mo na nagagamit sa atm machine mablock ba sila?
Hi Jax, mas okay po ba magpapalit ng baht sa airport or withdraw sa atm machine using gcash card?
Id like to ask maya mastercard will be same as gcash mastercard siguro no? Pls make an updated one 😊 Thank you
pano yun hindi pewde mag order ng card sa gcash
Idol baka may vlog ka. Tips kung paano mapapataas ang credit limit. Thank u
@JaxReyes_
Жыл бұрын
Meron tips yes
when swiping with GoTyme and GCASH card, do they require you to enter any pins at POS? considering both are "debit" cards and not credit
@stephencussy2522
10 ай бұрын
Yes
Can you use gotyme to withdraw cash in korea?
Hi nice video, i would like to ask , Since this test was in korea, is there any difference or factor if the test will do in other country
@JaxReyes_
Жыл бұрын
depends, but i believe a mostly very similar
I have Gcash card. Can you do an indept review on how you setup you gcash card. Cause you mention that you did something before you swipe the card.
@JaxReyes_
Жыл бұрын
I think I have a video already about that..if not I have a Tiktok one :)
Need pa po ba itawag sa banks yang gotyme at maya para magamit po overseas?
How about po sa foreign transaction fee ng BDO Debit card?
HI Jax just want to ask if it is better to withdraw money from atm or bring dollar s if going abroad? also if purchasing item international using credit card is it better to use their local currency or in dollars? thank you
@JaxReyes_
Жыл бұрын
sa credit card I always reco na use local currency. This way you can use the low forex transaction fee of credit card companies like BPI or Eastwest bank.
@brixzarraga2171
Жыл бұрын
@@JaxReyes_ how about when having a pocket money is it better to withdraw sa atm po nila or magdala po ng us dollars then pa change po sa money changer? ☺️ thank you
@JaxReyes_
Жыл бұрын
@@brixzarraga2171 ako kasi ma credit card talaga ako so what I do i bring us dollar tapos palit ako kontin
@emelynlaborera3961
Жыл бұрын
@@JaxReyes_ ask ko lang I'm importing products kasi, ano po cc companies recommended mo with low forex transaction fee. Tysm, nice and very informative vid btw.
Hello! Going to SK soon. May I ask if you need to call the Bank pa before you can use your GCash Mastercard? Thank you so much ♡
@JaxReyes_
Жыл бұрын
No need for gcash
@abiseverydaylife1186
Жыл бұрын
@JaxJaz oh great! Thank you so much for the response!!!!!!! Some cards kasi I need to call customer service pa hehe Thank you! thank you! ♡
Sir Jax, good eve po. My sister is working in Saudi Arabia. She is consistently sending portion of her salary to me here in the Philippines via bank to bank. We are already in the practice of receiving some portion of her salary thru bank-to-bank transactions. Currently, she is sending it to my Landbank account. I am not sure if that is the best Bank account to use, or simply the bank account with highest conversion. Here are the other options: Send to Gcash Send to BDO Which is the best among the three modes po? Salamat
Grabe MAYA pla pinaka mataas Maya pa nman ginamit ko last 2019 😅
Oh my, i was just about to check if you have any videos explaining cc - that can be used internationally. For credit cards - if ill be buying a gadget - will the 12 months to pay, 0% applies? Any recurring charges imposed after swiping? Please and thankyou!
@JaxReyes_
Жыл бұрын
Internationally walang 0% yan na installment
Hi, qq on CIMB, naglagay po ba kayo ng fund sa fast+ tska sya nakaltasan? Or automatic kinuha nya yung fund from Usave/Gcash?
@JaxReyes_
Жыл бұрын
Dapat ilagay siya sa fast plus
@Cat-jj4cr
Жыл бұрын
@@JaxReyes_ thanks, Jax.
May effect ba sa difference nila na Visa vs Mastercard?
pwede po ba yung gotyme sa youtube salary
bkit ung komo ko sir dko malagyn ng pera bkit po ok nmn po sya
may foreign transaction fee ba ang debit card? or straight through convert lang?
How about po sa International transaction ano pong bank account ang gamitin dyan para sa mga freelancer
@JaxReyes_
Жыл бұрын
if international yung magpapadala pwede naman most banks dapat lang make sure may SWIFT code yung bank
Ty
Hi Jax, will these debit cards work via Tap & Pay like if used for Singapore MRT?
@JaxReyes_
Жыл бұрын
Yes pwede
@dennismag-alasin8361
Жыл бұрын
@@JaxReyes_ aided by Paywave right? Thanks Jax for the confirming
@eu5952
Жыл бұрын
Pwede sya. Yung kapatid ko ang nagbabayad ng fare ko lagi kasi rewards card ang use niya from US na wala svc fee
Came across this video and curious to know if the best pa din ba GCash Card kasi wale na sila Mastercard for their new cards, Visa na lang. Is it still the best rate?
I usually use maya to book with agoda pero walang cross border fee. Pero i tried my atome card and I was shookt kasi may cross border fee!! Na 3.1% So mag fofollow na din ba si maya??
Noice! Gsave lang meron ko kaya guess il use gcash instead! Walang pin kay gcash noh? 🙂
@JaxReyes_
Жыл бұрын
wala pag tap or insert to pay hehe
Hello po meron ako cimb virtual card, pwede po ba yun pang payment internationaly?
I've been using my PayMaya Visa here in Dubai for all purchases and it's the best!!!!
@KennethPorio
Жыл бұрын
No no for the super high crossborder charges!
After expiration date ni komo card di na siya magagamit like you need to order again and ilang buwan validity ng new komo card
@JaxReyes_
Жыл бұрын
yes
Hi. Regarding GoTyme, can I use it automatically abroad like SG without calling the bank? Hoping for a reply. Thanks.
@JaxReyes_
5 ай бұрын
yes no need
Hi Jax any update sa CIMB Fastplus mo?
@JaxReyes_
Жыл бұрын
gumana naman na siya