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Posts: 53Member
Joined: Jun 13, 2012
Do you mean USD to AUD direct sir? kasi pag dito sa pinas dadaan pa sa peso eh.
God is Good!
Posts: 4,336Member
Joined: Feb 24, 2011
Yeah, all FX done in Pinas has to be converted into PHP - mangyayari, Sell USD and BUY PHP then SELL PHP and BUY AUD.
Each transaction you will lose at approximately 2.5% - ouch!!
Primary Applicant: Wife
Accountant (General): 221111
04 Aug 2012 - IELTS (Academic Module)
07 Aug 2012 - IELTS (Academic Module) Speaking Part
17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
25 Sep 2012 - Received +Skills Assessment from CPAA
25 Sep 2012 - Lodged EOI Application with 70pts
30 Sep 2012 - Invited by DIAC to apply for 189 Visa
01 Oct 2012 - Submitted 189 Visa Application
20 Oct 2012 - Medical Examinations
23 Oct 2012 - CO Assigned; Team 7 - SA
05 Nov 2012 - Submitted SG PCC and NBI Clearance
06 Nov 2012 - Visa Granted (IED: 23/10/2013)
03 Apr 2013 - Flight to MEL
03 Jun 2013 - started work
12 Jun 2013 - wife started work
15 Jun 2016 - applied for citizenship
29 Jul 2016 - citizenship examination
20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
Posts: 53Member
Joined: Jun 13, 2012
God is Good!
Posts: 37Member
Joined: Aug 06, 2012
Once you are outside the country you can easily withdraw that extra amount via those overseas ATMs where your card network is connected with.
So it's still worth keeping a Philippine bank account even if you have decided to permanently move overseas.
Should you decide to do this, inform the bank that you intend to withdraw such funds overseas, some ATM cards are, by default, disabled for international use for security.
Alternatively, you might want to use a debit card with Mastercard or VISA logos with high cash loading limits such as the Unionbank EON. Just ask the bank to verify if their cards can be used overseas.
Posts: 4,336Member
Joined: Feb 24, 2011
Primary Applicant: Wife
Accountant (General): 221111
04 Aug 2012 - IELTS (Academic Module)
07 Aug 2012 - IELTS (Academic Module) Speaking Part
17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
25 Sep 2012 - Received +Skills Assessment from CPAA
25 Sep 2012 - Lodged EOI Application with 70pts
30 Sep 2012 - Invited by DIAC to apply for 189 Visa
01 Oct 2012 - Submitted 189 Visa Application
20 Oct 2012 - Medical Examinations
23 Oct 2012 - CO Assigned; Team 7 - SA
05 Nov 2012 - Submitted SG PCC and NBI Clearance
06 Nov 2012 - Visa Granted (IED: 23/10/2013)
03 Apr 2013 - Flight to MEL
03 Jun 2013 - started work
12 Jun 2013 - wife started work
15 Jun 2016 - applied for citizenship
29 Jul 2016 - citizenship examination
20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
Posts: 37Member
Joined: Aug 06, 2012
It's true the fees and exchange rates can't be avoided. At least it is an option and we're not trying to do something against the law.
I think you misunderstood me. I am referring to withdrawing money in Australia from a Philippine bank account, not the other way around. The charges you have mentioned is pretty much true for Philippine ATMs.
I don't know also if wire transfers and Western Union money transfers are cheaper options than carrying an ATM/debit card. I think the charges for these kind of transfers are no better than carrying an ATM.
Posts: 23Member
Joined: Apr 25, 2011
Posts: 4,336Member
Joined: Feb 24, 2011
Primary Applicant: Wife
Accountant (General): 221111
04 Aug 2012 - IELTS (Academic Module)
07 Aug 2012 - IELTS (Academic Module) Speaking Part
17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
25 Sep 2012 - Received +Skills Assessment from CPAA
25 Sep 2012 - Lodged EOI Application with 70pts
30 Sep 2012 - Invited by DIAC to apply for 189 Visa
01 Oct 2012 - Submitted 189 Visa Application
20 Oct 2012 - Medical Examinations
23 Oct 2012 - CO Assigned; Team 7 - SA
05 Nov 2012 - Submitted SG PCC and NBI Clearance
06 Nov 2012 - Visa Granted (IED: 23/10/2013)
03 Apr 2013 - Flight to MEL
03 Jun 2013 - started work
12 Jun 2013 - wife started work
15 Jun 2016 - applied for citizenship
29 Jul 2016 - citizenship examination
20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
Posts: 37Member
Joined: Aug 06, 2012
It's actually easy to increase the maximum daily withdrawal limit - just talk and make a request to the bank manager to increase the amount. I've seen people increase their daily withdrawal limits even up to P100k from the usual P10k to P20k.
but then if the Australian ATMs limit each withdrawal transaction to P10k to P20k in AUD, then it's really something to think about.
Posts: 528Member
Joined: Jan 08, 2011
National Australia Bank
Westpac
Commonwealth Bank
@icebreaker1928, have you done this na?
Nominated Occupation: Software Engineer (261313) - Husband is the primary applicant.
10.21.2012 - Arrived in Melbourne. This is the day that the Lord has made.
03.26.2012 - Visa granted. God is good, all the time! All the time, God is good!
03.23.2012 - PCC submitted and medicals finalized
03.02.2012 - Application being processed further / CO assigned
06.26.2011 - Lodged Visa 175 application
Posts: 37Member
Joined: Aug 06, 2012
But I'm not sure with the current employer and estimated annual income field, it's being asked. So kailangan may work na?
I'd trust bank websites in developed countries such as Australia - I'd really submit an online application to open such bank accounts. But then do shop around, baka pareho sila ng US na may monthly charges sa bank account and all the other fees that you might not expect.
Posts: 2,616Member, Moderator
Joined: Jan 13, 2011
Iniisip ko kasi na kumuha ng ibang bangko na lang hehe
Posts: 528Member
Joined: Jan 08, 2011
Nominated Occupation: Software Engineer (261313) - Husband is the primary applicant.
10.21.2012 - Arrived in Melbourne. This is the day that the Lord has made.
03.26.2012 - Visa granted. God is good, all the time! All the time, God is good!
03.23.2012 - PCC submitted and medicals finalized
03.02.2012 - Application being processed further / CO assigned
06.26.2011 - Lodged Visa 175 application
Posts: 69De-activated
Joined: Aug 25, 2012
Wire transfer for the rest...
And, my Metrobank card that I used purchasing some electronics....
"One should be pragmatic when it comes to realities in life."
Posts: 153Member
Joined: Sep 10, 2012
sa mga nasa Oz na, ask ko lang, ano ba ang advantage ng local banks versus international banks? meron na bang nakapag-try na mag-open ng international bank account sa oz (example Citibank, HSBC), then mag-transfer na lang ng funds from its Citibank/branch in the Phils?
thanks
Posts: 528Member
Joined: Jan 08, 2011
Nominated Occupation: Software Engineer (261313) - Husband is the primary applicant.
10.21.2012 - Arrived in Melbourne. This is the day that the Lord has made.
03.26.2012 - Visa granted. God is good, all the time! All the time, God is good!
03.23.2012 - PCC submitted and medicals finalized
03.02.2012 - Application being processed further / CO assigned
06.26.2011 - Lodged Visa 175 application
Posts: 153Member
Joined: Sep 10, 2012
Posts: 528Member
Joined: Jan 08, 2011
Nominated Occupation: Software Engineer (261313) - Husband is the primary applicant.
10.21.2012 - Arrived in Melbourne. This is the day that the Lord has made.
03.26.2012 - Visa granted. God is good, all the time! All the time, God is good!
03.23.2012 - PCC submitted and medicals finalized
03.02.2012 - Application being processed further / CO assigned
06.26.2011 - Lodged Visa 175 application
Posts: 312Member
Joined: Jan 09, 2011
To all Kuripotz.. please visit my blog.
May kasabihan tayo: Kuripot man at magaling... yayaman din....
http://kuripotism.blogspot.com.au
Posts: 312Member
Joined: Jan 09, 2011
Separate ka parin an mag oopen ng acount.
May thread na ko yata nasagot ko yugn question na simialr to this.
- Bring Less tha n10k cash if gusto mo handcarry yung cash mo to Austrlaia.
- if more than 10k dadalin , pwede mo deposit as USD sa citibank. para ma withdraw mo dito sa citibank ATM machine - alamko wala sila charges.
To all Kuripotz.. please visit my blog.
May kasabihan tayo: Kuripot man at magaling... yayaman din....
http://kuripotism.blogspot.com.au
Posts: 312Member
Joined: Jan 09, 2011
To all Kuripotz.. please visit my blog.
May kasabihan tayo: Kuripot man at magaling... yayaman din....
http://kuripotism.blogspot.com.au
Posts: 312Member
Joined: Jan 09, 2011
To all Kuripotz.. please visit my blog.
May kasabihan tayo: Kuripot man at magaling... yayaman din....
http://kuripotism.blogspot.com.au
Posts: 506Member
Joined: Jul 15, 2011
CO and Visa Grant: 9 Oct 2012
The beginning of the rest of our lives: January 4, 2013
Posts: 20Member
Joined: Aug 09, 2012
I just want to ask something for clarification? Ano po ba yung limit sa money na puede madala diyan, 10K AUD or 10K na Ph Peso?
Or is the limit depende kung anong currency ang dadalhin?
If the currency is in peso, then it is 10K pa din, and if the currency is in AUD then the max is 10K in AUD currency?
Tama po ba ang interpretation ko?
Help naman po...
June 24, 2012 -Application Lodge
December 11, 2012 - Visa Grant
Posts: 506Member
Joined: Jul 15, 2011
CO and Visa Grant: 9 Oct 2012
The beginning of the rest of our lives: January 4, 2013
Posts: 506Member
Joined: Jul 15, 2011
CO and Visa Grant: 9 Oct 2012
The beginning of the rest of our lives: January 4, 2013
Posts: 481Member
Joined: Dec 15, 2012
Buti na lang may ganitong thread. I have a question din kasi. Sana may makasagot...
Kapag yung money ko deposit to HSBC US$ account, pwede ko ba to ma-withdraw in AUD sa HSBC Australia without charges? Meron po ba sa inyo nakasubok na ng ganito? Thanks for the input!
21 Dec 2012 - 457 lodged
7 Jan 2013 - medical finalised
8 Jan 2013 - visa approved
Posts: 38Member
Joined: Jan 02, 2013
2. I prefer HSBC atms kasi mas marami sila than Citibank. Not sure if HSBC USD PH can use Westpac atm pero sure ako na An HSBC AUD account in AU can use Westpac atms for free no charge (i do this every week sa grocery etc).
3. Kapag masyado malaki ang pera na gustong dalhin.. TT (telegraphic transfer) is the best and safest option... for P4000 service charge (recalling on top of my head) sure ka na your 50-100K AUD from HSBC PH to HSBC AU will arrive instantly.
4. I knew meron ANZ makati and CBA before.. 2005. I dont like ANZ kasi may monthly charges sila. Dont know now kung ganun pa din. HSBC dont have a monthly charge.. basta minimum amt lang.
5. Do not bring SOC (s**tloads of cash/bills) beyond 10k. Why take the risk?
6. Withdrawing $2001 HSBC USD/AUD will incur a charge. pero $2000 USD/AUD notes ala ata. Inquire again.
7. When converting rates from HSBC USD to AUD via IB (internet banking) .. develop a relationship with the manager so they can give you "preferred" rates (a bit higher than the usual rate)... tapos email email na lang kayo.. quite convenient.
8. When withdrawing AUD SOC..5k-10k notes... Call before exchanging to know if notes are available. I remember one time Im queued sa line after a celebrity (si idol) sa HSBC QC.. he withdraw SOCs in AUD kaya naubusan pagdating sa akin. Mabait naman si idol...humble at ngiti lang. Last year I went home and exchanged some USD/AUD in BDO.. i queued over an hour...
9. I also tried Travelers cheque way back 2003.. pero I dont recommend it now as TT is better. Pano kung mawala yung cheque? etc..
10. For the past 8 years Ive been with HSBC. Too bad I closed the PH acct 2 years ago.. the relationship was really good. A year ago my HSBC AU CC was hacked and I got 8k AUD worth of fraudalent purchases. Yea its huge. Pero after a few phone calls it all got cleared up naman so I stick with them here. A month ago I called an HSBC call center.. a filipino guy answered me which is quite nice to talk in the native language while im here in AU.
Disclaimer: I do not work for HSBC.
Posts: 993Member
Joined: Feb 15, 2012
261313 (Software Engineer)
Feb.15.2012 - started working on ACS requirements
Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
Mar.05.2012 - ACS acknowledged actual documents
Mar.21.2012 - ACS finalised assessment: Suitable
Mar.31.2012 - IELTS exam with BC
Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
Apr.14.2012 - Lodged 175 Online Application
Apr.20.2012 - Completed Online Attachments
May.24.2012 - "Application being processed further"
May.29.2012 - CO Assigned :-)
Jun.07.2012 - Uploaded NBI Clearance
Jun.13.2012 - Medical/Health Requirements Finalised
Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
Jun.07.2013 - Initial Entry Date Deadline
Apr.28.2013 - Initial Entry (Sydney)
Jun.28.2013 - Verbal Job Offer (Melbourne)
Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
Aug.21.2013 - First day of Work in Sydney
"Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3
Posts: 130Member
Joined: Sep 04, 2011