The old adage applies: Never put all your eggs in one basket. It's best to spread your savings over several banks, be it traditional or digital. That way, you have alternative banks you can withdraw your money from in case you encounter problems with a particular bank.
Gamit ko na yang Go Tym 2 years ago , Robinson kasi kami nag grogrocery very easy to use my points pa dyan na rin ako nag papadala sa anak ko from Saudi ..
Hello sir Pat, actually lately lang ako na educate tungkol sa value ng pera natin regarding inflation concern. Nakakalungkot pero true ma yung purchasing power nag pera natin is di na gaya before. Bilis. Kaya big factor ang mga offer nag digital bank, i mean nakaka enganyo talaga sila. So, i go po with Digital Bank. Thank you po for educating us sa mga review .
Hi Pat😊 I am OFW from south korea. I just wanna thank you for your videos- marami akong natutunan about digital bank dahil sa mga videos mo. Kasi bilang ofw masasabi namin na hindi kami updated sa mga digital bank na lumalaganap jan sa Pinas. Kaya nung pinanuod ko lahat ng videos mo about digital bank, nilabas ko na iba kong savings sa traditional bank at talagang pinasok ko na sa digital bank. So far nilagay ko sa CIMB dahil meron silang bagong rate ngayon na 7.5% sa Time deposit. Then yung iba naman nilagay ko sa Uno Digi bank for 6months maturity. Gusto ko rin subukan itong go tyme. 😊
May pa promo kasi si seabank 10k depo may ma receive ka sa kanila na 500 if di mo i withdraw within 7days. Not bad diba? Then meron din sila extra income by referral😊 daily ang update ng interest nila.
Gotym user ako since March 2023 pa. But Sad to say bumaba na ang interest rate nila ng 4% from 5%per. Kaya naghahanap ako ngayon ng new digital bank na mapagkakatiwalaan at easy to liquidate. Please Suggest naman po kayo of what digibank ang pipiliin ko kapalit ni Gotym. Thanks
Well, nung mapanood ko yung isang video mo with go tym yung ngustuhan at ayaw mu sknya I'll still try to open an account prin, sobrang blis at wla png maintenance balance na kailangan, i already decided n i close nrin yung isang traditional bank ko ksi nga prang useless din, thanks for sharing the idea, ir really helped 😊
Since sa BDO po salary niyo, may alam po ba kayo free na transfer from BDO to other digital banks? Hirap po eh. Kada galaw sa BDO may fee. Eh multiple digital high yield savings po lilipatan sana.
Sir, pwede po ba kayong gumawa ng "TUTORIAL/WALKTHROUGH sa GOTYME APP" and like "Everything You Need To Know"? For beginners na as a guide on how to use the app po, like how to cash in/out, withdraw/deposit, transfer, where to cash in/out and withdraw, or anything that needs to know po. That will be a big help po for everyone. Thank you, Sir!
Well and good sir Pat for sharing. Para sa akin yung risk ng isang digital bank vs traditional bank dapat mapag usapan din sa susunod na content. Sumunod, kung 500k pataas na ang savings natin, maganda rin iconsider ilagay sa ibang investment vehicles. safe rin ito kumpara sa online deposits.
Gotyme user po. Sa lahat ng transactions ko wala akong naging problema kay gotyme. At legit ang pag earn na malaking interest unlike traditional banks na natutulog lang ang pera.
I love GoTyme pero I don't put everything sa kanya - I also put my funds kay UNO Bank. Just like GoTyme, very convenient to withdraw my funds kasi kay UNO
Hindi ko padin iiwanan ang Traditional bank.. dahil pag nag ka problema ka, mas madali mong takbuhan at may makakausap ka agad thru Branches nila... Pwede naman secondary ang mga Digital bank ehh, walang problema doon.. Pero dahil sa taas ng interest rate ng mga Digital, i think hndi nila mapapatay ang mga Traditional banks.. yun lang po 🙂
Im starting my saving with gotyme im still exploring this digital bank.Thank you for realtalk experience with digital at traditional bank.New Follower here sir😅
Sa maya ako dati naglalagay ng savings pero hindi na daw maganda ang maya kaya nilipat ko ung pera nmin mag asawa sa gotym pero may savings pa rin kami sa traditional bank just in case madali lng mawithdraw ung pera.
Nakakatuwa naman nangyayari... ako barbero pero ako kinwentuhan ni costumer... bnigyan pa ko 100php panimula ko daw ng pagsave ng pera sa gotyme bank... hirap kaming mahihirap sa traditional bank kasi klangan 10k pataas ang balance... itong digital bank gotyme kahit 100php lang ihulog pwede... #Roadto80ksubs pagpalain ka pa...
Very informative. Iba pa rin ung traditional way like putting your money to a physical bank pero dahil sa pag babago ng panahon and technology, i prefer now digital banking. I have CIMB bank for my savings. Habol ko kc dito ung interest at convenience. Thank you, more power to your channel. Hoping manalo ako ng 1k dito sir, ilalagay ko ito sa savings ko rin 👍🎉 #roadto75ksubs
@@DranrebCabana voluntary contribution po yan para sa mga pag-ibig fund members. Malaki lang yong interest na kikitain kaysa regular contribution sa pag-ibig fund.
Salamat always sa.educational review sir Pat. Although pi very safe ang traditional bank, sa panahon ngaun i think i go with digital bank since they offer better interest sa pera mo. I will try din Go time, paunti unti makapagtabi kahit pano. Thank you sir pat as always po.
Kakabukas ko lang ng GoTyme Account account last week 😁 Super worth it talaga kasi mas malaki ang interest rate kumpara sa mga traditional banks and even cooperatives. I still have my BDO and Security Bank but I am slowly moving my money to GoTyme para mas tumubo pa siya. #Roadto75kSubs
Just recently discovered your channel last month. Dami kong natututunan about how to handle your savings and finances sa channel mo. Great content sir! Well for me, it's better to distribute your money to several banks. Traditional banks for emergency funds and digital banks for savings/daily expenses since mas madali na ngayon ang online transactions. #Roadto75KSubs
Para sa akin, kung meron akong malaking amount na pera isesave ko ito sa digital bank. Agree ako sa napili mo which is GoTyme since yun din ang ginagamit ko as of now. Maganda yung binibigay nilang 5% p.a na wala kanang kailangan mission na gawin etc unlike sa other digital banks plus it has its own atm bank na di mo kailangan magworry kung saan ka magwiwithdraw if kailangan mo ng cash at walang charge upon withdrawal. PDIC insured din naman like other banks and owned by big person which is kampante ako na safe ang pera ko doon. So yes, Digital bank is my choice. #roadto75k
Any thoughts po on Ownbank? For now sya pinaka mataas interest rate for TD. Is it safe po kaya to put a large chunk of my savings? Torn between Ownbank and GoTyme
Sa totoo lang po, maganda sana ang ownbank because of their interest rate kaso mejo na turnoff ako sa kanila nung naipit ung pera ng ibang viewers na unang nakapanood ng review ko ng ownbank. Before kasi walang id required upto 50k. Then nung October nagkaroon na sila ng verification which is dapat simula palang upo account creation kailangan na magverify. So ung iba nag nagopen ng ownbank naipit tuloy ung pera nila.
@@PatQuinto Pero sir as of today may savings kaparin ba sa ownbank? Sa ngayon po kasi meron ako TD unoearn tapos meron din ako sa SEABANK ung 1st month interest ko this feb 2024 sa unoearn nilipat ko sa gotyme dahil napanuod ko to ang ganda kasi ng Ui ng gotyme sa ownbank ko sana ilalagay sakit sa mata ui ng ownbank for me kahit 6% doon dahil napanuod ko to gotyme ko nilagaynung interest ko sa unoearn. Ok parin ba magsave sa ownbank? Kasi 6% sya kung ikaw sir anu ba 😅
For me, i need to open an account sa traditional bank just for the sake of bank statement needed pag magtatravel abroad specially ung mga may Visa na country. Kahit ayoko talaga kasi sayang ung time na natetenga ung money ko sa bank na sobrang liit lang ng kikitain,
Digital Bank kasi mas malaki ang interest na i-earn ng pera unlike sa traditional. I also transferred the big part of my savings in gotyme bank. Thank you sir.
After watching your video, nabuo ang decision ko to transfer my money from PNB to GoTyme bank. Naghahanap din ako ng bank na okay for Time Deposit. #Roadto75kSubs
I'll go with digital banks which is GoTyme bank po. While natutulog ang Pera mo may interest pa. 😇 -very well explained. It convinced me to switch as well from metrobank to GoTyme bank💙 Sana manalo po ako nang phone or Gcash 🙏😊 #roadto75Ksubcribers
Sa aking experience Mas safe sa Tranditional Insurance kasi anytime happen saiyo may maiwann ka sa pamilya at may investment pa at free critical illness pa at may protection
Sir sana masagot mo eto . Etong cash in na to may nilalagay any amount sample 5k pwede etong gamitin sa nakalagay na store like robinson kht ilng gusto tapos dapat mabyaran mo lang
Question po sir. halimbawa ngka problem yong app ko or nanakaw ung phone ko, pano ko mkkuha ung laman ng GoSave Account ko? kasi if im not mistaken, ang mgrreflect lang sa ATM ko is yong laman nung Account ko, not yong nsa GoSave Account? TIA
@@PatQuinto yong gosave account po sa Gotyme, ung option n may interest. db need nyo ilipat sa GoSave account ung laman ng main account mo para magka interest. pero yong amount n nilipat mo sa gosave, hindi mgrreflect sa laman ng account mo thru atm. d mo din sya mggalaw hnggt d mo ittransfer ult s main account mo sa gotyme. which brings to my question po. for example nanakaw ang phone nyo, pwede gmitin yong atm pra iwidraw ung lamang ng MAIN account, but hindi yong laman ng GoSave Account.
Thank you for this video. I have a GoTyme account and a traditional bank account. I choose to save money in both digital and traditional banks because it is not wise to put your eggs in one basket. #Roadto75KSubs
Kung ako magkakaroon ng pera based sa video mo ay go na ako sa digital bank pero ok nman din maglagay sa traditional bank sa psbank maganda #roadto75ksubs
Hindi kasi si gotyme Wala syang average daily balance unlike sa traditional bank na 3k per month dapat Ang Pera mo kung bababa sa 3k Ang Pera mo madededuct ka ng 300 pesos