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AUD, where can I buy in Manila?

PogingNoypiPogingNoypi MelbournePosts: 238Member
edited September 2012 in Remittance/Exchange Rate
Saan po ba makakabili ng AUD sa Manila? Tingin nyo po ba maganda US dollars na lang ang dalhin ko tapos magpa-palit na lang ako sa hotel pagdating ko sa AUD?

March 5 - ACS submitted......
March 20 - ACS result.. Suitable (Analyst Programmer)
March 10 - IELTS Passed!
June 23 2012 - Sent my paper based application to Adelaide.
June 26, 2012 - DIAC received and sent a receipt.
August 9, 2012 - Received Medical and NBI Clearance Request.
August 10, 2012 - Had a Medical Exam on a Panel Doctor
August 13, 2012 - NBI Clearance application.
August 23, 2012 - Medical Results was submitted by the Panel Doctor.
September 2, 2012 - NBI clearance received by DIAC.
Visa Grant! - September 6, 2012!!!
...........

«134

Comments

  • vinpackvinpack Petaling Jaya
    Posts: 31Member
    Joined: Aug 12, 2012
    I have the same question. Please give us your thoughts fellow members! =)

    Cheers!

    Recognised Graduate Visa–Temporary Resident (Subclass 476)
    Civil Engineer

    10/25/2011 - Lodged Visa Application (Online)
    12/05/2011 - CO allocated/Medical Exam Request
    12/13/2011 - Medical Exam
    01/03/2012 - Health Requirements Finalised
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    10/29/2012 - Flight to AU
    10/30/2012 - Australia, Finally! =)

  • BryannBryann Sydney
    Posts: 854Member
    Joined: May 27, 2011
    Try big banks. Ako bumili sa BDO.. just have to call them in advance to reserve. Catch is, kailangan meron ka account with them. And pwede ka lang bumili ng AUD sa branch na kung saan ka nag-open.

    Occupation: ICT Software Engineer (ANZSCO 261313)
    Dec 13 2011 - ACS: Suitable (AQF Diploma)
    Feb 03 2012 - IELTS #1 Failed (W-6.5)
    Mar 02 2012 - IELTS #2 Passed
    Apr 21 2012 - 175 Visa Lodged Online
    May 29 2012 - CO Assigned
    Jun 25 2012 - Visa Grant (IED: Dec 14 2012)
    Aug 19 2012 - Arrived in Sydney
    Sept 10 2012 - Start @ 1st Job (Web Developer)

  • TotoyOZresidentTotoyOZresident Posts: 1,327Member, Moderator
    Joined: Jun 28, 2011
    edited September 2012
    Saan po ba makakabili ng AUD sa Manila? Tingin nyo po ba maganda US dollars na lang ang dalhin ko tapos magpa-palit na lang ako sa hotel pagdating ko sa AUD?
    Much better.. if you have ATM card like BPI... just bring it at hanap na lang kau ng ATM machine pag dating sa airport ng oz then mag withdraw na lang kau basta tingan nyo muna sa card kung may kapareha na logo sa ATM machine. Puede nyo rin dahin ang debit card or credit card may naka lagay naman yun na visa or mastercard magagamit nyo yun din sa ATM machine. Very simple you dont need to bring cash.

    cheers.

    Quotes:
    "Wise men learn from their mistakes, but wiser men learn from the mistakes of others."
    'Success is when you finished what you have started."

    If you’re looking for Church in Canberra ACT Australia and you want to fellowship with Christian Filipino Australian.
    Come and join us in Jesus Is Lord Church Canberra service every Sunday at 10:30AM to 12:30PM
    Where: 53 Georgina Crescent, Kaleen ACT 2617
    (Back of Kaleen Shopping Centre)
    For more information, please PM me or visit

    http://jilcanberra.org.au

    "To God be the glory"

  • BryannBryann Sydney
    Posts: 854Member
    Joined: May 27, 2011
    Yup, meron po sa airport (Mascot) na ATM na multicurrency. Usually pwede naman talaga may charge lang, mga Php100 siguro per transaction.

    Occupation: ICT Software Engineer (ANZSCO 261313)
    Dec 13 2011 - ACS: Suitable (AQF Diploma)
    Feb 03 2012 - IELTS #1 Failed (W-6.5)
    Mar 02 2012 - IELTS #2 Passed
    Apr 21 2012 - 175 Visa Lodged Online
    May 29 2012 - CO Assigned
    Jun 25 2012 - Visa Grant (IED: Dec 14 2012)
    Aug 19 2012 - Arrived in Sydney
    Sept 10 2012 - Start @ 1st Job (Web Developer)

  • YukishihYukishih Melbourne
    Posts: 430Member
    Joined: Jan 27, 2012
    I bought mine sa BPI.

    22May2012 Applied at Deakin University
    24May2012 Deakin University assessment
    11June2012 Offer Letter
    13June2012 Requested for Campus transfer
    03July2012 Approved Request for transfer with new offer
    12July2012 Sent hard copies of documents before payment of tuition Fee
    17July2012 Paid tuition Fee
    18July2012 Received eCoE
    30July2012 Filed visa application at VIA centre
    31July2012 Received sms acknowledgement from Australian Embassy
    01August2012 Medical Notification
    Medicals done for my whole family except for my U/A
    which is pending
    25August2012 e-Health uploaded to Australian Embassy
    31August2012 Visa Granted!
    01September2012 Received Confirmation

    That in all things GOD may be glorified!

  • JClemJClem Melbourne
    Posts: 528Member
    Joined: Jan 08, 2011
    Sa BPI, kelangan nyo muna tumawag sa kanila para maactivate or enable yung withdrawal nyo sa ATMs na may Cirrus logo sa ibang bansa. Withdrawal fee is $3.5 per transaction.

    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

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    Ang una kong basa sa title saan makakabili ng Audi haha

    Anyway, I think mas praktikal kung US Dollar na lang bitbitin mo dun...sobrang taga yung rates ng Aussie Dollar pag sa Pinas mo kunin...hindi kasi siya primary currency for exchange sa atin...we're more on HKD, SGD, Yen at Riyals kaya mas mahal sa atin ang palitan ng AUD hehe
  • TotoyOZresidentTotoyOZresident Posts: 1,327Member, Moderator
    Joined: Jun 28, 2011
    Sa BPI, kelangan nyo muna tumawag sa kanila para maactivate or enable yung withdrawal nyo sa ATMs na may Cirrus logo sa ibang bansa. Withdrawal fee is $3.5 per transaction.
    Yup to make sure na makakapag withdraw. Ako nman 4 years ago dinala ko BPI ATM card ko nun nakapag withdraw nman ako basta nakita ko lang ang cirrus logo. Importante may dala kayu na isa pang ATM card like debit card or credit card para kung kinain ang card nyo or accidentally na debit ang ATM nyo at least may reserve kau na ATM card to withdraw. Make sure na bago ang ATM machine na gagamitin nyo at mas maganda kung bank name na ATM Machine. Research na lang kau ng mga Bank name sa oz.

    cheers

    Quotes:
    "Wise men learn from their mistakes, but wiser men learn from the mistakes of others."
    'Success is when you finished what you have started."

    If you’re looking for Church in Canberra ACT Australia and you want to fellowship with Christian Filipino Australian.
    Come and join us in Jesus Is Lord Church Canberra service every Sunday at 10:30AM to 12:30PM
    Where: 53 Georgina Crescent, Kaleen ACT 2617
    (Back of Kaleen Shopping Centre)
    For more information, please PM me or visit

    http://jilcanberra.org.au

    "To God be the glory"

  • TotoyOZresidentTotoyOZresident Posts: 1,327Member, Moderator
    Joined: Jun 28, 2011
    edited September 2012
    Ang una kong basa sa title saan makakabili ng Audi haha

    Anyway, I think mas praktikal kung US Dollar na lang bitbitin mo dun...sobrang taga yung rates ng Aussie Dollar pag sa Pinas mo kunin...hindi kasi siya primary currency for exchange sa atin...we're more on HKD, SGD, Yen at Riyals kaya mas mahal sa atin ang palitan ng AUD hehe</blockquote

    In my opinion dumoble pa ang bayad sa exchange rate kung magpapalit ulit ng US dollar to AU dollar sa oz kasi ganun din pag dating sa oz hanap din Money changer. To be practical AU dollar ang dapat bilhin papaanu kung ang arrival flight madaling araw tapos Sunday pa. Malamang sarado ang money changer sa airport tapos gutom na ang pasahero. I'm not sure kung tinatangap sa loob ng airport ang US dollar to buy food.

    The best is bumili ng AU dollar ng mga AU$1000 para sa food or pang transfo. At yung natitira na savings i deposit sa Credit Card like Citibank or any international debit card or yung savings account International ATM card then mag withdraw na lang sa OZ. Mas maganda kung yung bank ninyo ay puede mag online banking mas madali yun makapag bank transfer kahit nasa oz na kau. Here in Australia most client using online banking no need to go over the counter especially paying bills.

    cheers

    Quotes:
    "Wise men learn from their mistakes, but wiser men learn from the mistakes of others."
    'Success is when you finished what you have started."

    If you’re looking for Church in Canberra ACT Australia and you want to fellowship with Christian Filipino Australian.
    Come and join us in Jesus Is Lord Church Canberra service every Sunday at 10:30AM to 12:30PM
    Where: 53 Georgina Crescent, Kaleen ACT 2617
    (Back of Kaleen Shopping Centre)
    For more information, please PM me or visit

    http://jilcanberra.org.au

    "To God be the glory"

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    @TotoyOZresident medyo off topic ako boss pero what about rent? Diba humihingi sila ng bond? So dapat kasama yun sa icoconvert kong pera to AUD? Or..do they accept credit card para sa rent? hehe
  • gemini23gemini23 Win
    Posts: 265Member
    Joined: Aug 28, 2011
    Sa palagay ko mas maganda dalhin ang Au$ kaysa US$, ang laki kasi ng commission sa ibang money changers, parang natandaan ko yung pinagpalitan ko noon nasa 12% commission,kaya yung US$200 na pinapalit ko sa nasa Au$160++ na alng binigay sa kin. Saka wala naman tumatanggap ng US$ sa mga stores di ba? Kelangan talaga ipapalit mo yun sa Aussie dollar or gamit ka ng card.

    Follow your heart but trust your gut.

  • TotoyOZresidentTotoyOZresident Posts: 1,327Member, Moderator
    Joined: Jun 28, 2011
    @TotoyOZresident medyo off topic ako boss pero what about rent? Diba humihingi sila ng bond? So dapat kasama yun sa icoconvert kong pera to AUD? Or..do they accept credit card para sa rent? hehe
    Kung mayrun na kayu matutuluyan at kapitbahay nyo nman mayari nung tutuluyan ninyo puede nman kau mag bayad ng cash. Puede din nman on line banking o tinatawag na bank transfer kukunin mo lang account nung land lord ninyo then puede mo i send ang payment to his or her account. Pag send mo ng bank transfer on the follwing day receive na nya. Masasanay nman kau pag dito na kau about electronic banking.

    Quotes:
    "Wise men learn from their mistakes, but wiser men learn from the mistakes of others."
    'Success is when you finished what you have started."

    If you’re looking for Church in Canberra ACT Australia and you want to fellowship with Christian Filipino Australian.
    Come and join us in Jesus Is Lord Church Canberra service every Sunday at 10:30AM to 12:30PM
    Where: 53 Georgina Crescent, Kaleen ACT 2617
    (Back of Kaleen Shopping Centre)
    For more information, please PM me or visit

    http://jilcanberra.org.au

    "To God be the glory"

  • atchinoatchino Sydney
    Posts: 312Member
    Joined: Jan 09, 2011
    Options:

    I do not prefer big bank sa pinas kasi mas mababa ang palit nila at kailangan mo pa yata na may account sa kanila

    1. Go to money changer sa pinas para may AUD ka na once you landed sa Australia.
    - kaso hindi sila madalas na may avialable na AUD. At hindi mo alam kung gnao kalaki ang avialable AUD nila. Pero mas mataas sila mag palit compare sa big bank sa pinas.

    2. Open a Citibank USD account sa pinas.
    - Last time I check (few years ago hehehe0, you can withdraw money from ANY CITIBANK ATM machine around the world WITHOUT extra charges/fees, so exchnge rate lang ang (USD -> AUD ) and issipin mo on that day na mag withdraw ka.

    - tested when going to US. Withdraw the USD bank account open in pinas sa CItibank ATM sa US - no charges. Makuha o same USD amount kung ano meron sa pinas.

    Since sa Citibank AUStralia mo withdraw, exchange rate lang ang issue. Still no extra charge for transaction fees or withdraw fees.

    Consult Citibank para siguroado at kung ganon parin ang systema nala

    3. I bring USD as pocket money (make sure hindi over 10kAUD yung total na dala mo na cash)
    - else kailangan mo declare pag over 10k AUD ang dala mo na cash.


    In my experience, ginawa ko lahat.
    - nag papalit na ko sa money changer para may enough AUD ako when I landed in AUS for expected expenes in Australia.
    - As backup, nag open din ako ng CItibank USD account. Tpos I bring hte ATM card. Pra I cna withdraw from CItibank ATM machine dio sa Austrlaia if kailangan ko spare chas.
    - Nagdala din ako ng USD as pocket money in case na kailangan ko ng spare na cash at wala kao mahanap na Citibank ATM machine.

    To all Kuripotz.. please visit my blog.
    May kasabihan tayo: Kuripot man at magaling... yayaman din....

    http://kuripotism.blogspot.com.au

  • atchinoatchino Sydney
    Posts: 312Member
    Joined: Jan 09, 2011
    @LokiJr

    Payment can be made:
    - pwedeng credit card payment sa account ng real estate agent
    - direct cash depsit sa account nung realestate agent if di pwede credit card payment
    - kung shared accomodation (pwedeng cash ang bayad)

    Kung bagong dating ka, syempre wala ka pa credit card sa Australia hehehe...
    Pwede mo naman gamitin credit card mo sa pinas kaso may fees involved.

    Kung wala ka pa credit card, cash nalang cguro.
    Estimate mo nlang kugn gano kalaki ipapapalit mo to AUD sa pinas.

    To all Kuripotz.. please visit my blog.
    May kasabihan tayo: Kuripot man at magaling... yayaman din....

    http://kuripotism.blogspot.com.au

  • atchinoatchino Sydney
    Posts: 312Member
    Joined: Jan 09, 2011
    @JClem Open a citibank USD account. As far as i know wla sile transaction fee as long as withdraw ka sa citibank ATM machine in AUS. Consult Citibank if they still have this offer.

    To all Kuripotz.. please visit my blog.
    May kasabihan tayo: Kuripot man at magaling... yayaman din....

    http://kuripotism.blogspot.com.au

  • PogingNoypiPogingNoypi Melbourne
    Posts: 238Member
    Joined: Mar 01, 2012
    Ang una kong basa sa title saan makakabili ng Audi haha

    Anyway, I think mas praktikal kung US Dollar na lang bitbitin mo dun...sobrang taga yung rates ng Aussie Dollar pag sa Pinas mo kunin...hindi kasi siya primary currency for exchange sa atin...we're more on HKD, SGD, Yen at Riyals kaya mas mahal sa atin ang palitan ng AUD hehe
    Ah ok po make sense po, thanks din po sa tip. Bili na lang ako ng cash na AUD tapos credit card na lang yung ibang transactions ko.



    March 5 - ACS submitted......
    March 20 - ACS result.. Suitable (Analyst Programmer)
    March 10 - IELTS Passed!
    June 23 2012 - Sent my paper based application to Adelaide.
    June 26, 2012 - DIAC received and sent a receipt.
    August 9, 2012 - Received Medical and NBI Clearance Request.
    August 10, 2012 - Had a Medical Exam on a Panel Doctor
    August 13, 2012 - NBI Clearance application.
    August 23, 2012 - Medical Results was submitted by the Panel Doctor.
    September 2, 2012 - NBI clearance received by DIAC.
    Visa Grant! - September 6, 2012!!!
    ...........

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    @atchino, @TotoyOZresident salamat po sa reply...so yung initial bond puwede na rin i-credit card or online bank transfer na lang?

    Hehe lumaki kasi tayo sa Pinas na 'cash is king' hehehe
  • vinpackvinpack Petaling Jaya
    Posts: 31Member
    Joined: Aug 12, 2012
    Pwede bumili ng AUD sa SANRYS money changer. May branch sila sa sm makati and alabang town center and greenhills yata. Pwede din through chinabank, may mga clients sila na money changers din tapos sila ang parang nagbbroker pero siyempre may additional premium ang chinabank (okay din ito at least dadaan sa bank mismo yung AUD, sure kang hindi fake). =)

    Recognised Graduate Visa–Temporary Resident (Subclass 476)
    Civil Engineer

    10/25/2011 - Lodged Visa Application (Online)
    12/05/2011 - CO allocated/Medical Exam Request
    12/13/2011 - Medical Exam
    01/03/2012 - Health Requirements Finalised
    01/13/2012 - Visa Granted
    10/29/2012 - Flight to AU
    10/30/2012 - Australia, Finally! =)

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    oooh chinabank...did not know that, mas convenient nga naman kung bank to bank yung palitan hehe
  • icebreaker1928icebreaker1928 Sydney
    Posts: 1,455Member
    Joined: Apr 26, 2011
    BDO ako nagpapalit... sabihin mo lang in advance kasi wala silang reserve for third currencies...
    Peso at USD lang sila may reserve...
    mga 2-3 days available na yung AUD mo... pero kelangan pala may account ka sa branch na yun...
    hihingin din nila sayo to....
    -passport
    -visa
    -plain ticket

  • raycelraycel Melbourne
    Posts: 21Member
    Joined: Mar 10, 2012
    may naka buy na dito ng AUD without a ticket but just showing your australia visa na resident visa? planning to buy na AUD..but May 2013 pa kami alis.
  • rbolanterbolante North Ryde
    Posts: 247Member
    Joined: Jul 05, 2012
    @vinpack i don't think you're gonna get fake money at Sanry's bro. they've been in the industry for so long so may reputation silang inaalagaan. if may issue na before na ganyan malamang nireklamo na sila ng clients nila at sarado na sila by now. just me thoughts. :-)

    Skilled – Family Sponsored (Subclass 176)
    Software Programmer (261313)

    05/03/2012 - Lodged visa application (Online)
    06/07/2012 - CO allocated/Medicals requested
    06/11/2012 - Medical exam at NHSI
    06/28/2012 - PCCs submitted
    07/03/2012 - Health requirements finalised
    07/13/2012 - Visa granted (IED: 06/19/2013)

    Thanks be to God!!! :D

  • vinpackvinpack Petaling Jaya
    Posts: 31Member
    Joined: Aug 12, 2012
    @rbolante oo nga tama, you have an excellent point sir. Actually, I'll be buying my AUD from sanry's next week. =)

    Recognised Graduate Visa–Temporary Resident (Subclass 476)
    Civil Engineer

    10/25/2011 - Lodged Visa Application (Online)
    12/05/2011 - CO allocated/Medical Exam Request
    12/13/2011 - Medical Exam
    01/03/2012 - Health Requirements Finalised
    01/13/2012 - Visa Granted
    10/29/2012 - Flight to AU
    10/30/2012 - Australia, Finally! =)

  • rbolanterbolante North Ryde
    Posts: 247Member
    Joined: Jul 05, 2012
    @vinpack uy bro let me know how it went. i'm gonna need to buy AUD soon. sa january na kasi alis namin. thanks. :D

    Skilled – Family Sponsored (Subclass 176)
    Software Programmer (261313)

    05/03/2012 - Lodged visa application (Online)
    06/07/2012 - CO allocated/Medicals requested
    06/11/2012 - Medical exam at NHSI
    06/28/2012 - PCCs submitted
    07/03/2012 - Health requirements finalised
    07/13/2012 - Visa granted (IED: 06/19/2013)

    Thanks be to God!!! :D

  • PogingNoypiPogingNoypi Melbourne
    Posts: 238Member
    Joined: Mar 01, 2012
    Pwede bumili ng AUD sa SANRYS money changer. May branch sila sa sm makati and alabang town center and greenhills yata.
    Ayos po! Lapit lang kami sa Greenhills siguro dyan na lang kami magpapalit. Maganda din kasi cash basis kesa sa credit card. May charge kasi pag card eh

    March 5 - ACS submitted......
    March 20 - ACS result.. Suitable (Analyst Programmer)
    March 10 - IELTS Passed!
    June 23 2012 - Sent my paper based application to Adelaide.
    June 26, 2012 - DIAC received and sent a receipt.
    August 9, 2012 - Received Medical and NBI Clearance Request.
    August 10, 2012 - Had a Medical Exam on a Panel Doctor
    August 13, 2012 - NBI Clearance application.
    August 23, 2012 - Medical Results was submitted by the Panel Doctor.
    September 2, 2012 - NBI clearance received by DIAC.
    Visa Grant! - September 6, 2012!!!
    ...........

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    @icebreaker1928 would you know kung magkano yung transaction charge ng BDO kung magpapalit ka pera sa kanila?
  • eytelleneeytellene Brisbane
    Posts: 20Member
    Joined: Aug 02, 2012
    Pg mlaki po yung aud n need nyo lng 500 and up tawag nyo po para mareserve n nila kau at pick up nyo n lng :)
  • donkingdonking Melbourne
    Posts: 258Member
    Joined: May 24, 2012
    @rbolante bolants :-D pautang naman.... hehehe :-p

    April 24, 2011 - Submitted CDR to EA
    May 6, 2011 - IELTS BC OBS 7.0
    August 25, 2011 - Received positive assessment from EA
    February 22, 2012 - Resat IELTS IDP OBS 7.5
    April 13, 2012 - Applied SS SA
    May 1, 2012 - Received positive response from SA
    May 10, 2012 - Pre-lodgement to DIAC
    May 31, 2012 - Lodgement to DIAC
    May 31, 2012 - South Australia sent form 1100 to DIAC
    June 4, 2012 - application being processed further...
    June 4, 2012 - C.O. allocated
    June 4, 2012 - request for PCC and medicals
    June 6, 2012 - Medicals done
    June 7, 2012 - NBI
    June 8, 2012 - further medical results received
    June 27, 2012 - All medicals finalised
    July 2, 2012 - Visa Grant

  • rbolanterbolante North Ryde
    Posts: 247Member
    Joined: Jul 05, 2012
    @donking hahahaha. kaw ata magpapautang dami mong kinita sa laban ni pacquiao kasosyo mo na ata ngayon si bob arum. :-P

    Skilled – Family Sponsored (Subclass 176)
    Software Programmer (261313)

    05/03/2012 - Lodged visa application (Online)
    06/07/2012 - CO allocated/Medicals requested
    06/11/2012 - Medical exam at NHSI
    06/28/2012 - PCCs submitted
    07/03/2012 - Health requirements finalised
    07/13/2012 - Visa granted (IED: 06/19/2013)

    Thanks be to God!!! :D

  • donkingdonking Melbourne
    Posts: 258Member
    Joined: May 24, 2012
    @rbolante wala nga ginamit nya dun sa kaso ng "3 blind mice"... nga pala bolants pinullout mo ba contributions mo sa pagibig?

    April 24, 2011 - Submitted CDR to EA
    May 6, 2011 - IELTS BC OBS 7.0
    August 25, 2011 - Received positive assessment from EA
    February 22, 2012 - Resat IELTS IDP OBS 7.5
    April 13, 2012 - Applied SS SA
    May 1, 2012 - Received positive response from SA
    May 10, 2012 - Pre-lodgement to DIAC
    May 31, 2012 - Lodgement to DIAC
    May 31, 2012 - South Australia sent form 1100 to DIAC
    June 4, 2012 - application being processed further...
    June 4, 2012 - C.O. allocated
    June 4, 2012 - request for PCC and medicals
    June 6, 2012 - Medicals done
    June 7, 2012 - NBI
    June 8, 2012 - further medical results received
    June 27, 2012 - All medicals finalised
    July 2, 2012 - Visa Grant

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