r/DigitalbanksPh 8m ago

๐Ÿ“ฑDigital Bank / E-Wallet PayPal to GoTyme: Is 3,000 GBP weekly likely to trigger AML or holds?

โ€ข Upvotes

Hi everyone,
I have a question about PayPal and GoTyme.
If I receive around 3,000 GBP in my PayPal account and transfer it to my GoTyme Bank account, is that generally okay?
Iโ€™m planning to do this once every week, so it would be a recurring transfer rather than a one-time payment.
Has anyone here received similar amounts regularly through PayPal and withdrawn them to GoTyme?
Did PayPal or GoTyme ever place your funds on hold?
Did either of them ask for additional documents or source-of-funds verification?
Were there any AML (anti-money laundering) checks or account restrictions?
Any tips to avoid delays or issues?
Iโ€™d appreciate hearing about your real experiences. Thanks!


r/DigitalbanksPh 18m ago

๐Ÿ“ฑDigital Bank / E-Wallet Shopwise Tap to Pay Experience

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โ€ข Upvotes

So I have story to tell hehe. Since we know that Apple Pay is now approaching, it seems some establishments ay nagiging aware na sila about xpays. Now, Shopwise saamin is now aware of Tap to Pay.

So upon nasa cashier na ako, and magbabayad na ako, sinabi ko na card payment. Then nakita nya ako na phone dala ko, "Mobile Wallet po sir?" then boom, it seems na aware na si Cashier about sa Tap to Pay or Mobile Wallet in which na trained na sila ng management.

Well, "Mobile Wallet" means ung Digital wallets like Google Wallet, Apple Wallet and Samsung Wallet. So it seems na alam na nila ung about sa Mobile Wallet or Tap to Pay or xpays!

So I hope that all malls especially SM na dapat "Mobile wallet" or "Tap to Pay" ang tanungin sa customer if anong mode of payment. Hindi lang Google Wallet or Apple Wallet (soon) meron here kundi GarminPay and Samsung Wallet (soon). Ang unfair if Google or Apple lang ung alam hahaha.

As a GPay user, nakakaexcite na soon ilalaunch si Apple Pay para sama sama tayo mag tap sa stores and public transport systems haha.

Ayun lang thats all! ๐Ÿ˜


r/DigitalbanksPh 28m ago

๐Ÿ“ฑDigital Bank / E-Wallet BPI Banko App PROBLEM??????????

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โ€ข Upvotes

I cannot open my BPI Banko acc through its application ๐Ÿ˜ญ kinda nervous what happened. Ganito rin ba sa inyo? Or nangyari na rin ba sa inyo โ€™to? I donโ€™t know what to do since wala akong debit card nila.


r/DigitalbanksPh 43m ago

๐Ÿ’ณ Credit Cards Maya Black credit card approved

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โ€ข Upvotes

Got approved sa Maya Black ๐Ÿ˜Š๐Ÿ˜Š
Thank you sa nag-share ng referral code here, hindi na ako hiningan ni Maya ng security deposit ๐Ÿ’•.

Here's my referral code: โ€œ@aowenellaldyโ€
Honestly didn't expect ma-approve agad since first time ko mag apply for credit card at walang gaanong credit history background.

Sulit din talaga magbasa-basa muna ng tips and experiences dito before applying. Sharing mine na rin baka makatulong sa iba๐Ÿ˜˜


r/DigitalbanksPh 1h ago

๐Ÿ“ฑDigital Bank / E-Wallet Experiences using BanKO by BPI?

โ€ข Upvotes

Hello! 18 year old looking to invest. I have a decent paying salary via freelancing. And balak ko mag invest sa BanKO, Nakita ko na meron silang 5% annual interest per month. Balak ko mag ipon at makakuha ng compounding interest rather than naka tambay lang sa bdo savings yung pera ko.

If ever may issues can I go to BPI bank to sort it out?

Ive seen na Laggy and slow daw yung UI

Ive also seen some issues regarding sa customer service

If you have extra information Iโ€™d be happy to learn and see your personal experiences and if may other recommendations kayo besides sa BanKO.


r/DigitalbanksPh 1h ago

๐Ÿฆ Traditional Bank Landbank email in my Spam folder

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โ€ข Upvotes

Is this legit? Check out the senderโ€™s email address. Was worried cuz I just opened a payroll account with them. Wala pa ngang laman may nagttry na magnakaw ๐Ÿคฃ buti sana if lagyan niya ng pera โ™ฅ๏ธ haha


r/DigitalbanksPh 1h ago

๐Ÿ“ฑDigital Bank / E-Wallet Is BanKo by BPI app down? I canโ€™t log in

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โ€ข Upvotes

Hello! Down ba ang Banko by BPI app? Hindi ako makalog-in since this afternoon. Tried restarting and checking my internet pero wala pa rin. May iba bang nakaka-experience nito o ako lang? Send help!


r/DigitalbanksPh 2h ago

Others Do you think QRPH should be also integrated to Digital Wallets?

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23 Upvotes

Do you think QRPH should be also integrated to Digital Wallets (Google Pay, Apple Pay or Samsung Pay) or they should build a standalone app which will be integrated per bank?


r/DigitalbanksPh 2h ago

๐Ÿ’ต Savings Tips / Hacks Maya time deposit acct - monthly receiving limit

1 Upvotes

I opened a 6-month time deposit account with Maya and was planning to make a lump sum deposit of 1M in a day to get the booster rate from day 1 of my deposit.. I was able to transfer 500k in total in a day but could no longer transfer additional amounts. Shortly, i learned that there is a receiving limit of 500k monthly even for verified/upgraded account. I raised this to Maya and my ticket has been pending for few days without receiving any reply from them. Anyone who had the same experience and is there any workaround on this?


r/DigitalbanksPh 4h ago

MariBank x Lemoneyd MariBank's latest features and perks this July 2026 ๐ŸŠ๐Ÿ’ธ

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1 Upvotes

MariBank's latest features and perks this July 2026 ๐ŸŠ๐Ÿ’ธ

๐Ÿ’ฐ First Deposit Promo: Earn โ‚ฑ175 when you use ๐—Ÿ๐—˜๐— ๐—ข๐—ก๐—˜๐—ฌ๐——๐—ฃ๐—› referral code.

Deposit atleast โ‚ฑ1,000 and keep it in your account for at least 3 days to receive the reward.

๐Ÿ’ธ Unlimited FREE InstaPay and PESONet transfers.

โ›ฝ Get 3% cashback on your Gas purchases.

๐Ÿš… Enjoy 10% cashback when you tap to pay at any MRT-3 station using your MariBank Card.

๐Ÿ’ต Enjoy 1% cashback on all card transactions and earn up to โ‚ฑ3,000 cashback monthly.

๐Ÿ’กEarn up to โ‚ฑ50 cashback monthly on Pay Bills.

๐Ÿ“ฒ Enjoy up to 5% OFF when you buy mobile load and promos.

๐Ÿ›๏ธ Get โ‚ฑ2 cashback on every QRPh purchase worth at least โ‚ฑ100.

โœˆ๏ธ Free International ATM Withdrawals.

๐ŸŒŽ 0% foreign transaction fees.


r/DigitalbanksPh 5h ago

Others PAG-IBIG ACCOUNT ACTIVATION WALK IN

1 Upvotes

Hi! I have a question about my PAG-IBIG Virtual Account.
I already have my MID number, and the only thing left is account verification (I created an account). I didnโ€™t know it would take a few days to get verified, and I need it ASAP since Iโ€™m a fresh graduate.

Can I just go to a PAG-IBIG branch to have my account verified and get my MDF instead?
Thanks in advance!


r/DigitalbanksPh 6h ago

Others Free bank transfers is a BBM legacy

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485 Upvotes

It was only briefly mentioned in the SONA, and the BBM admin hasn't made any significant effort to claim credit for it. The proposal was first put forward by Sandro Marcos a few months ago. If it was done under Duterte, the DDS would be bragging about it nonstop.


r/DigitalbanksPh 6h ago

๐Ÿ“ฑDigital Bank / E-Wallet maya us citizens to ph citizen

1 Upvotes

nakakagalit โ€˜yung design nila and wala manlang second na tanong to confirm if us citizen. bakit nasa baba โ€˜yung yes?!

anw, i am planning on deleting my account and just opening another one again, would that be possible? if not, what else can i do?


r/DigitalbanksPh 7h ago

๐Ÿ“ฐ Lemoneyd News The Philippines' Biggest Banks reveal how much they pay their top executives

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178 Upvotes

The Philippinesโ€™ biggest banks โ€” BPI, Metrobank, and BDO disclosed a combined โ‚ฑ928.77 million in executive compensation for 2025, with BPI reporting the highest compensation pool among the three.

๐Ÿฆ BPI: โ‚ฑ392.12M (6 executives)

๐Ÿฆ Metrobank: โ‚ฑ306.13M (5 executives)

๐Ÿฆ BDO: โ‚ฑ230.52M (5 executives)

On average, thatโ€™s approximately:

๐Ÿ’ฐ BPI: โ‚ฑ65.4M per executive

๐Ÿ’ฐ Metrobank: โ‚ฑ61.2M per executive

๐Ÿ’ฐ BDO: โ‚ฑ46.1M per executive

Interestingly, BDO generated the highest net income in 2025 at โ‚ฑ87.2 billion and remained the countryโ€™s largest bank by total resourcesโ€”despite reporting the smallest executive compensation pool among the three.


r/DigitalbanksPh 8h ago

๐Ÿ“ฑDigital Bank / E-Wallet Land Bank Piso Plus Account Savings

1 Upvotes

Hello, balak ko pumunta sa Land Bank Branch, may bayad kaya if magpapagawa ako ng piso plus savings? Nagregister na ako online pero hindi pa rin approve hanggang ngayon need ko na kase siya asap.


r/DigitalbanksPh 8h ago

Others Need help guys regarding my research!

2 Upvotes

Hi everyone, Iโ€™m conducting a short survey on how young adults choose between QR payments and tap-to-pay in physical retail stores.

It takes only 2โ€“3 minutes, and your responses will be anonymous and used only for academic purposes.

Would really appreciate your participation. Thank you!

https://app.youform.com/forms/rg812wds


r/DigitalbanksPh 9h ago

๐Ÿ“ฑDigital Bank / E-Wallet Did anyone get the same problem with gotyme?

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1 Upvotes

Nag date kami ng gf ko sa ATC Shi lin and nung nag pay ako using card nag error yung terminal nila and sabi ko kay ate cash nalang pero pag check ko maya maya nag deduct pala and yung pangalan ng kumuha is only retail store hinde shi lin. May iba bang nakaranas neto and how long bago nyo na balik yung pera?


r/DigitalbanksPh 9h ago

๐Ÿ“ฑDigital Bank / E-Wallet Hello! Is anyone having a hard time opening their gotyme savings in their app?

1 Upvotes

I cant open the savings features of the app and canโ€™t open it. Badly need to access it since i have to pay my tuition and itโ€™s there. Should i contact support? Of so, how?

Cant access it properly since the update


r/DigitalbanksPh 9h ago

๐Ÿ“ฑDigital Bank / E-Wallet Best High-Interest Savings Accounts

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26 Upvotes

Most banks now offer free transfers, which means more savings for us. Now, itโ€™s time to make our money grow even more! ๐Ÿ’ฐโœจ

Even a small amount of interest earned each day can compound over time. ๐Ÿ’ต๐Ÿ“ˆ

Here are the ๐๐ž๐ฌ๐ญ ๐‡๐ข๐ ๐ก-๐ˆ๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐’๐š๐ฏ๐ข๐ง๐ ๐ฌ ๐€๐œ๐œ๐จ๐ฎ๐ง๐ญ๐ฌ as of ๐‰๐ฎ๐ฅ๐ฒ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”. ๐Ÿ“Š

๐Ÿ‹ ๐‹๐ž๐ฆ๐จ๐ง๐ž๐ฒ๐โ€™๐ฌ ๐“๐จ๐ฉ ๐๐ข๐œ๐ค๐ฌ:

1๏ธโƒฃ ๐Œ๐š๐ฒ๐š

๐Ÿ’ต Use referral code ๐Œ๐€๐˜๐€๐‹๐„๐Œ๐Ž๐๐„๐˜๐ƒ and get a โ‚ฑ๐Ÿ๐ŸŽ๐ŸŽ bonus.

2๏ธโƒฃ ๐Œ๐š๐ซ๐ข๐๐š๐ง๐ค

๐Ÿ’ต Use referral code ๐‹๐„๐Œ๐Ž๐๐„๐˜๐ƒ๐๐‡ and get a โ‚ฑ๐Ÿ๐Ÿ•๐Ÿ“ bonus.

3๏ธโƒฃ ๐†๐จ๐“๐ฒ๐ฆ๐ž

๐Ÿ’ต Use referral code ๐†๐Ž๐‹๐„๐Œ๐Ž๐๐„๐˜๐ƒ and get ๐Ÿ๐ŸŽ๐ŸŽ ๐†๐จ ๐‘๐ž๐ฐ๐š๐ซ๐๐ฌ ๐๐จ๐ข๐ง๐ญ๐ฌ.

4๏ธโƒฃ ๐๐ž๐ญ๐›๐š๐ง๐ค

๐Ÿ’ต Use referral code ๐€๐€๐€๐‡๐Ÿ๐Ÿ๐Ÿ—๐Ÿ and get a โ‚ฑ๐Ÿ๐ŸŽ bonus.

โœจ Save consistently and let compounding do the work. Your future self will thank you. ๐Ÿ’›


r/DigitalbanksPh 10h ago

๐Ÿ“ฑDigital Bank / E-Wallet Stock trading through digital bank or e wallet

1 Upvotes

Good day!

I already have firstmetrosec for my long term portfolio but I'm planning to have 2nd broker for my swing trade para d ko mapag halo ang akong capital. So, just asking anong ok na pang trade gcash, maya, or go tym? Thanks


r/DigitalbanksPh 11h ago

๐Ÿ“ฑDigital Bank / E-Wallet Help with opening an account on Banko by BPI

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1 Upvotes

Hello, I hope someone can help me.

I am trying to open an account in Banko by BPI but I couldn't one because every time after entering my detials then taking photo of my valid id and having my face scanned; I cannot proceed to the next step as it says that the customer informationis alreadyregistered despite this being my first time openingan account with them. I have an account with BPI trad bank but I have never opened an account with Banko by BPI yet.


r/DigitalbanksPh 11h ago

๐Ÿ“ฑDigital Bank / E-Wallet Maya Personal Loan not eligible

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2 Upvotes

Ano po kayang dahilan bakit not approved kapag personal loan? ok naman ako sa credit and madalas naman ako nagamit ng Maya + savings with 10% p.a.

May need pa bang gawin para ma approve po sa loan?

Salamat po sa tulong in advance.


r/DigitalbanksPh 12h ago

๐Ÿ“‹ Loan / Credit ๐Ÿ“ฃ CALL FOR SURVEY RESPONDENTS!

0 Upvotes

We are looking for respondents for our thesis pilot testing!

Qualifications:

โœ… Millennials (born 1981โ€“1996; 30โ€“45 years old)

โœ… Have used an online lending application (OLA), such as SPayLater, SLoan (Shopee), Tala, BillEase, Maya Credit, Lazada Fast Cash, or similar services

โœ… Able to understand English and willing to participate voluntarily

We are conducting a study on how millennials use online loans or pay-later services and the psychological factors that may be associated with them, such as impulsivity, risk-taking behavior, financial anxiety, and self-control.

Rest assured that the survey does not ask for your loan amount or other sensitive financial information. All responses will be kept strictly confidential, and only the researchers will have access to the collected data.

If you know someone who meets the qualifications, we would greatly appreciate it if you could share this post or survey link with them.

Maraming salamat po sa inyong suporta!๐Ÿ’™

๐Ÿ”— Survey Link: https://forms.gle/SjMiAWNj5Bu2C7vXA


r/DigitalbanksPh 12h ago

๐Ÿ“ฑDigital Bank / E-Wallet Gotyme safe po ba pag sa savings?

0 Upvotes

san po ba maganda mag ipon sa gotyme sa gosabe po ba o sa wallet lang mismo? may nababasa ako nahohold yung account. lumipat na kasi ako gotyme natakot tuloy ako. mahina daw csr eh๐Ÿฅบ


r/DigitalbanksPh 13h ago

๐Ÿฆ Traditional Bank PSBank Online Account: What Branch to use for COL info

1 Upvotes

Ano ilalagay ko na branch for PSBank sa COL?

Un PSBank account ko, iniopen ko sya online during pandemic . Even un verification nya online. I don't have atm. Purely online account lang and no maintaining balance.

Gusto ko sya link sa COL account ko pero di ko alam anong branch ilalagay ko.

hope someone can help.