Forum Topic

Digital Banks 101

  • ask ko lang bat ganon na reference code ng cimb pag mag cash in sa 711 para sa over the counter transaction parang blank?
  • i mean, yung mag install ka nung bagong app tapos ikaw magdedelete nung lumang app nila. unlike other apps na pag may bago, auto update yung luma mo app to the new one. dagdag complexity kasi.
    ^yes. nag introduce lang si CIMB ng new apk to highlight its system upgrade siguro. Pretty much useless since the old one was decommissioned anyway so the old apk would have been just updated para seamless kay end-user

    the old CIMB PH and Revi apps (which worked ok) were made by "CIMB Bank Berhad" then during the major update last May, the new CIMB PH (+Revi) app is now developed by "CIMB Bank PH, Inc". IMO, locally managed per country na ang CIMB given that there are different app developers per country (googled from playstore) perhaps to cater the specific needs.

    hopefully the (local) devs will be able to improve it on each "maintenance" just like the old app...
  • Ahh mukhang ibang app na talaga yung bagong CIMB kaya siguro di gumagana yung "update". Hindi man lang nila sinabi or announce sa users. Nag-update ako noon tapos one week na ayaw gumana. Tsaka lang ako nagbasa sa FB nila na dapat pala uninstall-reinstall.
  • @songerph

    re: my 0% Fix Term Loan. after i clicked on the link sa email or text, niredirect ako sa website then pinaga-apply ako ng PL via the app. maybe inapdate na yung link contents since nagmigrate na sa new app. dun yata sa old app may option to apply sa fix term loan directly. sa new app kasi PL lang ang meron. under the Revi tab may term loan pero its locked pa. sabi need to wait ng at least 3 months upon activation of Revi. sana man lang nagbigay sila ng unique promo code for their selected eligible customers (just like BPI) para less hassle sa application.

    anyway nag-try ako ulit kagabi then i attached screenshots of the text and email na eligible ako sa 0% fixed term loan nila (valid til June 30). let's wait and see...
  • UPDATE:

    ayaw talaga ko bigyan ng 0% fix term loan ni CIMB. just receive a notif today that my loan has been approved pero still at 30k for 60 months (1,094.98 pesos monthly, 36% p.a.). AUTO DECLINED ko ulit yung offer...sobrang ganid eh!

    ok lang sana kung 30k for 1 year @ 0% pwede na pangdagdag budget. stable at above minimum naman ang pay grade ko. siguro nga hindi na siya available for new loan applicants since the new app doesn't have the fix term loan option to apply (trying to convince myself. haha!)

    that's it. nice try : )
  • So far so good naman ako sa paglipat from ING to Maya Bank and SeaBank. Lagay lang habang mataas ang interest.
  • nilipat ko na lang from ING to CIMB since meron naman na ako existing. pang luho account ko lang sana yun, and ING as EF.

    sa new app meron nang bank cert and statement, natest ko na yung cert and working naman. yung statement nag fail nung kumuha ako for the first time, di ko pa natry.
  • Maya and Sea also have statement. Check ko kung may bank cert sila.

    I'm looking for banks with no or minimum transfer fee. So far digital banks to others are free. Pero baka magkaroon na rin after some time. Ang nakita ko na wallet to bank na free transfer ay ShopeePay and GrabPay.

    So for zero free transfers, something like CIMB/Maya --> ShopeePay/GrabPay --> BPI/BDO

    -- edited by songerph on Jul 08 2022, 07:18 AM
  • CIMB:
    transfer to other bank
    bills payment

    Sino hindi maka transfer at bills pay, ayaw tumuloy lagi: Your transfer/payment is unsuccessful?
    Sa migration to new app daw ang problem, 5 business days na wala pa resolution. Made my follow up today still pending.
  • gcash to cimb and vice versa lang ako lagi e. tambakan lang.
  • ^same here. Nagiwan na lang ako a few hundreds sa cimb/gsave ko then to gcash in case I need for small online purchases. Kanina early AM maintenance na naman sila CIMB just when I needed to fund my gcash. Nakasuya na talaga quota na sila CIMB sa downtime days/hours this past 2months is equivalent to other banks downtime for 5 years or so.
  • Mahina ang dev pips ng CIMB hehe. Baka nagtitipid.
  • - Tonik may Instapay na
    - Effective August 1, 2022, balik na ang interbank fees sa Komo (8 pesos on Instapay) and Maya bank (15 pesos on Pesonet).
    - Effective August 8, 2022, Grabpay transfer via Instapay will charge 15 pesos
    - BDOpay pwede na mag-open ang non-bdo account holders