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I use Tranferwise and have the card, but it's more as a means to have bank accounts around the world without trying too hard :joy:
I like them for that, but wouldn't consider using them as a primary bank for a variety of reasons. Withdrawal caps and untested customer service is a big one for me.
Separately, I have primary travel insurance (and so should you mate :wink:), supplemented with credit card coverage which is going to be superior to any debit card.
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I do have a separate travel insurance yep! Obviously should, but double coverage for the same price as the fees I pay now would've been great haha
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Good to know, I'll sign up in that case. Can't hurt, given it's free.
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> Does anyone have experience with TransferWise Borderless (and their mastercard?)

I have them for more than 2 years now, using it regularly and it's been exceptional so far. To avoid the fees I usually transfer my funds to Revolut via the Mastercard and then send or convert from Revolut (as it has no fees)
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TW Borderless is not a bank, it's more of a money transfering / exchange system, so it's a bit different from N26 and somewhat different from Revolut (which also does similar stuff). So it's not a good idea to compare them I think, although they all can hold your money
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TW Borderless really shines if you need to receive money from clients in USA / Australia / New Zealand etc. and you're not there and transfer them elsewhere
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Please heed this ^
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TW is exceptional. But use it for what it's for, nothing more.
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does anyone know of a good reference stating the main differences between all these fintech solutions? n26, revolut, goin, tw, etc? I think I've reached that level where I know enough to know I know nothing ๐Ÿ˜‚
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a
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a
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sorry, misstyped. I wanted to ask if anyone knows a good reference for the main fintech solutions they always refer to? I think I've reached the point where I know enough to realize I know nothing ๐Ÿ˜‚
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N26, Revolut, TransferWise
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sorry, I meant like a comparison post explaining pros/cons and it's main differences
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it's hard to keep track of what each one is best at
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Could probably just google/youtube for that info. Probably just get all of them, use them all, and decide which one you want to use for specific cases
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n26 is good replacement for a bank, tw for receiving and sending money, revolut tries to be all but raises some serious questions (bank license, promising bs to customers etc.)
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Just try them all, they have no maintenance fees so you don't risk anything to just open an account in all of them
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I personally prefer Revolut as the transfers are free in any currency and it can hold most known currency unlike N26
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Transferwise can do that too, but the drawback is that I found I could not send money to all the recipients I wanted (For example I couldn't add TD Ameritrade or Interactive brokers as a recipient) and also they have fees for transfers
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But I wouldn't put too large sum of money in Revolut tho for the reason qeyyjmaxlhi mentioned. It just serves as a "buffer bank" for me.
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Stop thinking and start opening accounts and test stuff
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I sent money to IB via TW without any issues
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Uh, how did you add them as recipient? Did you send USD or another currency?
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ecvdyzpuxl They have the debit card and you can also wire or ACH money into IBKR.
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xofsqgygylm Wire and ACH didn't work on TW that's the thing, while they worked on Revolut. I contacted TW about this and they told me this recipient is not supported (why? I have no idea). As for the mastercard I cannot find a way to top up my IBKR account with it.
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^ This is what I did
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Stick with the one that works best for you. It doesn't cost anything.
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Request for AR app through screen, it sees a price listed in any currency and converts/displays it in your home currency
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I did a regular USD ACH
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It was in December 2018 actually
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Why doesn't ACH work for you?
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ACH works for me, it just doesn't work for IBKR
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nor for TD Ameritrade
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TD Ameritrade wouldn't accept Revolut wire either
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One thing to be aware of on the Revolut front is that they're not covered by FSCS. Good for holding small amounts but wouldn't keep large sums in there.
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^ Good idea! Same for 24h clocks, C to F, and meters to feet. So I can be flag-us everywhere
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I grew up on a border in Canada so everything was always in F for. I still have a hard time with C but essentially I just tell myself that 23c is 75f room temperature and use that as my reference. Except F is strange because the freezing point is 32 and in C it is zero.
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And boiling is 212 instead of 100โ€ฆ
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(9/5)+32 makes for fun mental math though.
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How many beers is that worth to you? ๐Ÿ˜‰
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I use an app called Coin Calc, have a shortcut on my home screen. Does it pretty quick
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and 101f is around 38c
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As an American, our mm/dd/yyyy is American lunacy taken way too far. I'm secretly a dd/mm/yyyy person.
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I use the F = 30 + (C * 3) approximation, but I resent having to do math.
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edit 30 + (C * 2)
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oh i didn't realize muricans do MDY.. canadians do DMY
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I really dislike the USA way of writing dates
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It's honestly confused me since I was a kid, because it makes no sense
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i've never actually thought about hte order of these things, i always look for an example and then reverse engineer which spot is the month and day
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and then copy that
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Or better, 05/08/12
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Are we at peak investment yet? Gatsby raises 15 million :face_with_raised_eyebrow:


venturebeat.com/2019/09/26/gatsby-raises-15-million-for-website-and-web-app-development-tools/
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That seems like appropriate money. I sold my last company in the web publishing space and oversaw product dev for a CMS for the buyer. Wordpress and similar are ripe for disruption.
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They'd better stock up on coffee, liquor and bullets then. That'll be the best currencies.
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Revolut just notified me they're rolling out the USA beta and I can participate
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I'm not entirely sure I will... Is my qualms with the way they push their workers worth a Revolut account?
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Someone keyed my rental car today. โ‚ฌ300 fee for damages. So annoying to have to deal with this.
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anyone know what to do when you see the verified by visa redirect thing but then immediately get shunted to the payment failure page?
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I feel like sometimes you get a chance to do something on that page to verify
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but i'm just getting shunted away
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What's the verdict on revolut?
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Just got the email that says my US account is available now
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I got the premium revolut, I'm happy with it (conversion rates, disposable virtual cards, free withdrawals up to like 500 eur), but wouldn't trust them with any substantial amount of money for any longer than necessary, rather keep about 100 eur on it and reload as needed.
Haven't used concierge, insurance, lounges, read mixed reviews about those
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jlhyvgc i have it for months now, use it as my primary card. like gabe said, reload it with money as needed, always small amountsโ€ฆ love the virtual cards and the fact that I can turn them on and off as needed, avoids stolen card number issuesโ€ฆ.
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Which is the most affordable and not so cold European city from November to April? Thanks
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I recommend using a vpn so that it sees you coming from a familiar IP every time perhaps.. or from your home country at least
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There's a site that can give suggestions for that nomadlist.com
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ah yes. Sorry. ha ha
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it happened to me a bunch of times too ๐Ÿ˜‰
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Personally I get better value from other cards but still maintain a free Revolut card. As a general rule I maximize for cash availability, so I keep many cards with some money on each. I have no respect for the traveller that owns only one card and inevitably ends up getting that stuck in a foreign ATM at 2 AM.
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I'm really not sure why people are so concerned over getting a free card or account
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paejgvjujuuyrcxj for some people the concern is ethical since the owner is a piece of shit to his employee. There is also the added need to track an additional financial product, which can be tiresome depending on how you manage your finances.
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My concern with Revolut is primarily ethical. I know it's a useful service, but it is *useful enough* over my Transferwise, credit and debit cards?
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I can see it being more attractive to people who don't have access to the good banking products available in the USA.
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my accountant uses this concept
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alsoโ€ฆ gah, 90 days behind in invoicing ๐Ÿ˜ž
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today's a bad day
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not a bad idea
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My plan is more to build a off grid house hahahhahaha
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Almost, except I think sailboat might help in the floods ๐Ÿ˜„
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i got paid divis from 39 stocks yesterday. lol. it's good i don't print out my brokerage statements.
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being driven up a wall by rejections of my visa card by foreign websites and chase says they can't do anything because they're not even seeing a charge
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Don't have more than one card?
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all my visa cards getting rejected
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merchant doesnt take amex unfortunately
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Hm, it's possible Visa has blacklisted that merchant. Might want to call Visa up and see - usa.visa.com/contact-us.html

Even though they state to contact the issuer...

"What do I do if a merchant will not accept my Visa card?
Your payment experience is incredibly important to us. Merchants who display the Visa logo are not permitted to choose whether or not to accept a Visa card for payment if the customer is acting in good faith.

Visa has over 16,000 financial institution clients that issue their own Visa cards and sign up merchants to accept them. These institutions set the terms and conditions for their merchant relationships and, therefore, handle all customer service matters relating to them.

We recommend that you notify your Visa card issuer using the customer support number appearing on your Visa statement or the back of your Visa card. Your Visa card issuer has access to the appropriate Visa rules and regulations, as well as the Notification of Customer Complaint forms to file complaints."
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possibly
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If it's important, worth a shot. I've never tried it
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i feel like chase would have at least seen a charge that was rejected tho but idk.
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Yeah, that's why Visa might be interested
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Usually Chase does see the charge, and honestly they've been great to me about any type of resolution
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i guess if its happening with all visa cards that means the issue is probably at visa's level
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nah
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you need to call VbV
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when its blocked by VbV it does not show in Chase as a charge attempt unless they check sometimes
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just call fraud ops and tell them you're seeing a verified by visa error screen
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they'll route you to the visa team
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the visa guys are nice, but dim
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yeah, I wasn't actually seeing the VbV screen, though there was a VbV logo on the checkout
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I could try again and just tell them I saw it
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good idea
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Just off the phone with Amex about downgrading my Platinum card. Instead they refunded $500 of the $550 annual fee. We'll see how the same phone call goes next year.
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ooo nice
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I should do that, was it difficult?
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Not too difficult. I started the call by saying I wanted to cancel or downgrade my card. I've had the account for 20+ years so they were quick to offer a friendly alternative.
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Ive had mine for 15, not happy with the change and fee increase
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getting much better benefits with newer cards
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$500/year for a card?
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Amex Platinum is $550/year. CSR is $450 + $75 per extra user. It's all about the travel bene's.
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yeah I'm going to downgrade because I just don't travel as much any more
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or, not internationally
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rhddpowrqqrwuayzf whoa, what if your daughter is walking by herself to school on her own just like every other japanese kid, and hops on the express Nankai airport line to KIX, whip out daddy's card at JAL counter and books a flight to LAX, of course they don't blink an eye because you know it's Japan. before you know it she's texting you from Inglewood cuz why not?
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you'll want the benefits if that happens
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haha
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Which is the best Credit Card in West Europe to accumulate flying miles?
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if such thing exists...
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I have a US Amex but seems like it isn't of much use in Europe
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chase sapphire reserve + ink preferred (if business) should be widely accepted and have no foreign transaction fee ๐Ÿค”
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though as I have mentioned here I keep having trouble getting approved for ink preferred now because they want some residence proofs I can no longer provide being outside of the US ๐Ÿ˜’
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chase IMO is one of the most annoying about this
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sending letters and asking for utility bills, etcโ€ฆ
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wiovccslqroeiftsql are you looking for a european card? or a card to use in europe?
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vyrvxld that's a federal requirement now. expect more banks to start being more aggressive about it.
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I am fairly certain amex never asked me when opening a business gold ๐Ÿค”
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did you open it in the last year or so?
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I think january of 2018
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business and personal are not the same things
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but some banks are just cracking down in general
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right, but chase has been giving me this trouble in relation to the ink preferred
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I think they are just more annoying in general
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i gave up on chase. they have never approved me. and my cap 1 does me just fine.
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I will deal with it come the holidays ๐Ÿ˜พ
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I did not have to show proof of residency for my CSR
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oddly I did not for CSR either I don't think
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I should caveat that this was a young S Corp so maybe they treat that differently
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as it is a totally segregated entity w/ different credit report, etc
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yes a european card would be great
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Interesting, I have a few Chase cards (one from this year) and I was never asked for proof of residency
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I think some of the older accounts skirt by a little bit
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they seem to go in waves. and occasionally people get caught in them.
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just like people using tmobile will be fine for years then a bunch of people will get the cancellation notice at once.
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yeah that's true. I've started changing my addresses back recently jic
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Constantly an issue in Russia
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They have their own limitations that prevent taking any international cards on certain payment gateways. Very annoying, using my Russian card there
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Did I miss the conversation about how the Turkish Tax Office suddenly and very abruptly froze the bank accounts of 3.3 million citizens and hundreds of thousands of businesses across ALL banks at the start of the month?
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I think there are very few Turks here so most people probably knew nothing about it. But that's terrible.
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znrgqcxixgtwvb uqfhfgscrf what was the name of that accountant good for digital nomads?
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It's ippvnb 's accountant
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I think they use Mark Dissen
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It is. I think we all use Mark lghwqgpou
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is it mostly americans using Mark?
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he only does US taxes so i'd say yes. :)
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^ as far as i know, at least.
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It is important to note however that Mark does not do payroll
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Including if you're doing an S Corp. wraparound for non-FEie tax minimization
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oduesfaskoxmba help me, you're my only hope before I cross 100k and the mogwai gets fed after midnight
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odftvegihs i think i have identified the category of spending you can reduce
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It's home, isn't it?
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Those are really just merchants trying to skate chase charging the bigger merchant fee for travel categories
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tnwzomcqob that's true, you could save a lot on travel if you never went home
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or if you re-defined home as where you are
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does it even need to be some box on a plot of land in some arbitrary geographical spot?
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Pfft
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I live in a circle
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You insensitive clod
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A 3d circle called "the earth"?
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vcwmkrxqlw I think it's beyond help at this point...
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bah
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where there's a will they're a way
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what if i spend my way out of it
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?
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i'm happy to hold on to your credit cards for you. :)
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I used the virtual visa revolut card for grab in Indonesia too,,, It stopped working yesterday lol
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A lump category of "travel" and "shopping" are really working for you.
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Need to break those down.
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how does one spend that much shopping as a nomad? Don't you have to carry all the "stuff" with you ?
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he's only just started nomading really. and he travels with about 20 suitcases (not really exaggerating much)
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I don't think you're exaggerating at all.
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That "Miscellaneous" spending is really out of control. You should know where every dollar goes.
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hey now - I have been nomadding since I was a kid
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it just didn't have that label
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$50k is a lot to spend on travel in 10 months though
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even for me, that's got me thinking 'fuck'
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also those suitcases are me muling stuff mostly
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i travel with a backpack
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except it got a bit heavy, so we added wheels
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and hard sides
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and the straps were excess weight so we did the good nomad thing of getting rid of that which is useless weight
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and then we needed a handle of course because there were no straps anymore
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and then i got 3 of them, because i needed more space
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but they're really just advanced backpacks
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That weigh 50lbs each?
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I think food went under travel too maybe
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this is straight out of Chase
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Quintonil isn't cheap.
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It's no Per Seโ€ฆ..
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Nah, it was its own line item. Damnit.
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You only drank $13k of alcohol so far? I'm slightly disappointedโ€ฆ.
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I gifted and donated NOTHING because I'm a rude jerk
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Nice spend on "Education" tooโ€ฆ.
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word of the day TP
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that counts as education, right?
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I mean, as long as you're learning....
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Is that like a 5k air ticket/month?
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actually $5k/mo does sound pretty low considering he's doing multiple first class flights
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He's also frequently flying a family of 4
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xuvgsxvcrx you must be doing something right because it seems like you're getting a bargain on travel?
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Im an Everyman. I fly PE
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Sometimes
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A lot lately as it's all been last minute flights
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Just sticking to 3m/place rule helps a lot.
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this week the female FIRE channel on reddit is doing a money diaries challenge. should be fun. we are recording our daily spending for a week and publishing it to a group blog.
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Would you mind sharing that with me when the group blog is ready cqamhidgsrtoss
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sure
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Currently in Tbilisi. Seems super easy to open a bank account here, and they pay up to 9.8% interest if you hold the money in GEL. I'm sure they are risks but I'm really tempted.
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is that a variable or fixed rate?
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6.4% inflation rate for September for the GEL, so it's easy to understand why they can offer that
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oh
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knew there would be a catch somewhejoy
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haha yeah. to be fair, inflation was much lower last year, but is definitely trending up
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ouch.. that is some crazy inflation.
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is that per month or per year? because 6.4% per month and only getting 9.8% interest seems like a quick way to lose money
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Not per month, that would be insan.e.
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not that insane sadly
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in Ukraine it's up to 20% interest rate in UAH but no one does that long term as currency can loose it's value in a jiffy, I'd say pretty risky investment, maybe short term if you understand what's going on. it's more or less the same for RUR, GEL, etc.
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if you ask what's their interest rate on USD deposits it will be around 3% :)
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How was the process?
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I did as about USD, it was around 3.5% as you said.
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The best savings rate I've seen in the US recently (for money market account with something like 6 transactions per month allowed) is 3.05%.
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Does anyone know if it's difficult to get a credit card in the USA if you haven't lived there in ages? Ideally one of the ones that gives you that lovely airport lounge access
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do you still have a credit score? if not maybe might take a few months
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Depends on your credit score. Creat an acct with credit karma to see. But without a good score you won't get a card like that.
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I think the only way to get a credit card without a credit score is by getting a secured credit card. You give a deposit for the mount of credit you get and then the money is released after a fix period.
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I opened an account to both TBC and BoG. The process was smooth in both banks, but better in TBC as they insisted that I get a Georgian phone number at BoG and they didn't speak English as well as at TBC
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the next day and went to BoG and closed my account
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smooth process too
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Anyone know if there is any tax implication(s) with TransferWise for sending money from your European to your own US bank account?
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Not a US citizen nor an expert but AFAIK your tax is taxed on entry to your bank account so your normal tax rates / rules apply at that point. Irrespective of where it came from. If it's a regular transfer (business need) you may want to check dual taxation treaties between the European country and the USA otherwise you'd be getting taxed twice.
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No. Tax is based on what you earn, minus deductions. Not what goes into your bank account. But if you have chunks of money coming in you should be prepared to explain from where and why it's not taxable.
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anyone have experience with banking with HSBC? Or more specifically - their Premier status? seems like a great nomad solution
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which country?
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well it would be opened in Malaysia
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do you have to be resident to do that?
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if I opened one in the UK, would it work the same way?
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I will have residency in this case
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just wondering how it is as a bank
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HSBC premier is still simply a local bank account. All it does is it gives you better treatment, they can share info between countries to show you're trustworthy and thus make opening an account easier, sometimes you can get account in new country before you leave - but it's not really "one account to rule them all"
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Can anyone recommend a virtual US bank card? Skrill seem to be offering it. Trying to load money into predictit but my revolut and transferwise cards are failing
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Schwab is the best US bank card for travellers
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Thanks will have a look
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Looks like a normal bank? I'm hoping for something a bit more 'instant'
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what do you mean by 'instant'?
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I have a few of the online banking cards from Europe, and I find Schwab to be superior. more full-featured, better support, and you can't beat free, unlimited, international ATM withdrawals
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I think N26 just launched in the US, you can give them a gander
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i just need this for apps and websites that require a US card
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will look into N26 usa
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i don't need banking services, just a prepaid virtual card that has a US address would be ideal
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Ahhh gotcha
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Ally is another one then
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You can also get prepaid debit cards that are designed to "rebuild your credit". It's unique to the states afaik, but those products might fill your need. Though they usually have crazy fees
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N26 Europe stole my money. Not sure about the USA product but I wouldn't recommend the company overall.
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Did you get it back?
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urepqy how did that happen??
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It generally sounds like N26 are bunch of ๐Ÿ’ฉ
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No problems with it personally
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I never got it back. They refused to answer my emails about it.

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They decided to send me a new card but I didn't find out about it until no one was home to get it one day. And then they wouldn't resend it to my address or let me change the address.

And a customer service representative literally hung up on me when I insisted the card needed to be resent if they were shutting down my other card.

I don't recall all the details because it was years ago now but it was shady AF that they wouldn't let me get the money out without activating a new card which they refused to send.
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that's *terrible* customer service
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WTF. This is alarming af because I'm holding all my savings in my N26 account and they just informed me they're sending me a new card. :grimacing:

N26 support is fucking horrible. My GF is German (as are N26) and they won't allow her to signup for an account. They don't give a reason why, they literally disconnect the chat/phone on you like they hate your guts.
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eluuee have you tried changing the shipping address in the app? i hope you didn't lose too much money. you should right a bad review on trustpilot at the very least!
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IIRC they shut down my account as well and I couldn
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Cool. Hit enter accidentally and apparently can't edit anymore.

Anyway, IIRC they shut down my account as well and I couldn't log in anymore. It wasn't a ton of money (thank god) but it's bullshit for a bank to steal money from a client (which is what I call when they refuse to let you access it.)
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adqjwvwyh Don't hold your savings there. Use somewhere else. Maybe TransferWise?
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Nah, TW is my daily use account. I top it up with my N26 so that way I'm never at risk of losing too much if my TW card gets stolen.

N26 has always been good to me, but shitty to everyone else that I know. Glad you didn't lose too much buyfqo
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Can always split and keep your savings in more than one place.
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Wish I had enough to have that problem ๐Ÿ˜„
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Don't we all ๐Ÿ˜„
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minimum deposit $20 ๐Ÿ˜‰
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Hi all,
Does anybody tried Payoneer debit card in multiple countries?
Anyone had issues retrieving money from ATMs?
Payoneer of course has the promise of working globally.. Anyone with an experience that contradicts that?
Thanks
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it's "international" in terms of what we need ie. ATMs, wire transfers etc. Seems you can easily and instantly transfer to another "account" and have a "Global View" of all accounts which effectively makes it international for our purposes
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and they have banks everywhere we regularly visit
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seems like a good option for nomads, especially for our situation where we are required to have a fixed deposit in a Malaysia affiliated bank account for visa reasons anyways
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Is it really debit? It's pre-paid. And yes it works.
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But you might want to seed some card with better rates from your Payoneer account like revolut
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Payoneer has shady exchange rates and they keep marking USD cards as GBP cards so people accidentally convert 2x.
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if it codes as pre-paid, a bunch of places won't take it
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I've only hard problems with payoneer 1-2 times in airport shops
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I use payoneer for online USD purchases and bigger atm withdraws. For day to day I like to use revolut.
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hkiatxljv did you speak to them about opening accounts there or do you have one? We spoke to a branch in London before leaving for Malta, thinking "oh this will be easy, we'll open Premier in UK where we have credit history and all, and then they'll just open for us account in Malta" - but they said it doesn't work like that, it's still an independent bank in Malta, will apply whatever rules / regulations they have, and there is actually no guarantee that you'll get account in country A if you have premier in country B. They are still fairly separate legal entities. We did not test it in practice - just reporting what I was told, not first-hand knowledge. After that it seemed like that the benefit is not that huge (considering quite strict opening criteria they have) - unless you really care about the aspect of "see all accounts in one place"
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interesting. Haven't opened one yet, just starting to do DD. will make sure to ask those specific questions.
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The reason I use Payoneer is also the possibility to get paid on it from freelance platforms.. etc
I will check if Revolut also does it.
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The reason I use Payoneer is also the possibility to get paid on it from freelance platforms.. etc
I will check if Revolut also does it.
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xkoppjfxwhn Revolut is only supports the European Economic area.
This is the reason I use Payoneer in the first place.
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Revolut actually just announced they'll be in the US by end of year
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They're in the US already as of last month.
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I got the account signup notice.
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cvgptgsf vzwosporosyfgl />Yes.. but still way less present globally then Payoneer.
Revolut now is supported in Europe, the US and few other countries..
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Revolut Metal doesn't make economic sense for most peopleโ€ฆ is that the conclusion?
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I've just hit the withdrawal limit for Premium for the first time ever (I think)โ€ฆ so now get 2% on each withdrawal.
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That I don't know. It dosen't even support my country (Tunisia) that's why I asked about the Payoneer card and whether anyone had any issue retrieving with it anywhere
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If by support you mean making account then yes. But the card it self works anywhere. Same with Payoneer.
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Some people also use transferwise card, but not sure which countries can make accounts
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Bank transfer are supported, not sure if platforms. Payoneer is really okey.
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xvmbbstzicyiyfxmyth I think most people got that plan only to have metal card, not sure how the metal one looks/feels, but personally I liked receiving my rainbow card more
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Those of you that use transferwise anyone know why I can't send someone USD from USD? As in, I send USD from my US bank and have it show up in USD in their transferwise account
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The second drop down does not have USD
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It has EUR, etc
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I need to send a friend money
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Did they give you the USD acct info? Seems like you're connected to a euro acct.
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Hrm, they are European but they asked for the payment in USD
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How should I phrase the clarifying question?
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I've clearly never used transferwise
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ask them if they have a USD account you can send it to as the one you're sending it to only accepts euros
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european bureaucracy. you cant send usd to a euro bank account
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kxbonnpzhskq If I remember correctly from one client I worked with you can't send and receive same currency, so some currency exchange must happen (I guess that is how they make extra money)
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I think ttmpseejui has it right. I don't think transferwise allows you to send USD to USD, they exchange is their profit center, so without it they lose money. Maybe send from the Euro account to USD if they insist on USD? so strange they demand USD btw
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seems to be no limitations in sending USD around the EU, and SWIFT is structured for it

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ah interesting, didn't realize the account came because of an acquisition
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leppocjwgopb you mentioned you need it to show up in USD in their *transferwise* account, right? You don't need to use transferwise to send money at all. Ask your friend for their TW US balance details and do a regular ACH from your bank.
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That depends.

You absolutely can make *local* same currency payments in regions that support balances. You send and receive same currency payments using local infrastructure (ACH in US, FPS in the UK, SEPA in Europe etc.), but you need a balance for that.

Same-currency *international* transfers aren't supported because TW doesn't hold multi-currency bank accounts in a single country, so it's just primary currency per each country.
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.
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dgaexbnmvjzr whatcha buying?
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transferwise allows usd to usd but perhaps only if you use their borderless account
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otherwise you need to do a regular ACH or Wire into the US account of that person. If they donโ€™t have one they can get one with transferwise in seconds
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drwfopndtzjl TW's business model is currency exchange, so that's why they don't support USD to USD well. But I've heard if you ask them, they can enable that on your account. But no idea how well that works.
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ymaymdqrshgz You can totally do USD to USD, including across borders, with TransferWise. (except for a couple of blacklisted countries)
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But if you're trying to send to a TransferWise account / email address, they need to have their *primary account* in TW set to USD. Otherwise you can just use their regular ACH/wire details for their USD account like any other bank transfer.
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owxkopdyltqggux PINK DIVE GEAR
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Wow transferwise is kind of a pain
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PDG - Pink Dive Gear
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Coinbase transfers around the world are free with USDC.. could be an interesting way to move USD around.
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Yeah you can sell it OTC for local currency
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OTC volume is picking up in Bangkok, can transact 10-50k USD at a time now it seems
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So you go to an OTC place and send them the USDC? That is awesome.. I was just thinking if you had an an account on an exchange in europe or Asia it would be a โ€œfreeโ€ way to move money between banks.
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yeah
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What cut are the OTC places taking?
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Guessing a lot.. Usually a much better deal to put your ATM card in a machine.
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Right, but still less than tax
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A few %?
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Not really OTC โ€œplacesโ€, just individual traders. Much of it seems to be settled mid market
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Mostly the crypto industry serving itself it seems. Not used for moving personal funds around (minimum amounts too high)
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one guy will only come if he can trade at least 10k, otherwise not worth being stuck in traffic
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Revolut became available in Canada today
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How do you guys handle the situation like that. Letโ€™s say you have a credit/debit cards from US. Then you go abroad for an extended period of time (e.g 6 - 12 months). Then your cards expire during that time. Does it mean that going back is the only way out of this situation? Or something like opening a local bank account and/or using a Revolut is the way to go? Trying to understand my options. As far as understand shipping this card abroad outside of US is not really an option?
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gevmisdye Dependsโ€ฆ credit/debit cards usually expire 3 years out, so if it was really cutting that close, I would just report it lost and try to get a new one issued a few weeks before leaving. Iโ€™ve had a situation where my bank (First Republic) first-class air mailed me a new debit card after I left mine at an ATM in Hong Kong. Got it 2 days later. Depends on your bank, Iโ€™d say. You can also have a family member or someone trusted mail you the card, or give you the card details so you can add it to your Google/Apple Pay. Lots of options here ๐Ÿ™‚
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axuewrdpat Thanks, yeah I understand that there are those options, but in general it all seems like a grey area. Feels like the world is not fully ready for nomads ๐Ÿ™‚ I wish there was a bank which would ship anywhere internationally, which will not be tied to a specific country and verifying a phone number would not be such a big deal ( I had problems even logging in to my account since it was attached to Google Voice which technically works only in US and not with all banks).
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where are you having your mail sent? you're required to have a residential address tied to your financial accounts in the US. My mail goes to my mom and I have her send me any cards I get. but if i were leaving for an extended time in the short term and my card expired then, i'd probably report it lost before i left so i could get a new one.
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unxwwcxurpevzl I have 2 addresses one is where I โ€œliveโ€ - my parents house and one where all those cards and mails are sent - P.O box. This way I know when a new card is shipped and can ship it somewhere (or get the card number to activate) and bank has a real address which they can refer to. But it seems like all those โ€œhackyโ€ ways I donโ€™t like.. I even use VPN to connect to my bank account since in some countries my bank is blocked. It all feels like a hassle getting track of credit cards and be afraid to loose those, always reporting which countries Iโ€™m visiting so it doesnโ€™t block my card when I need it the most, sometimes transaction fees, problems activating using a Google Voice number, etc. Oh well, seems like this is how it is. I thought that there is some better solution to it ๐Ÿ™‚
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well, thereโ€™s always cryptocurrencies ๐Ÿ˜›
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Haha, wellโ€ฆ maybe ๐Ÿ™‚
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This must be an american issue, Canadian banks will send a replacement card anywhere.
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Amex issued me a replacement card in Bali with no fuss whatsoever. Arrived in 3 days
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rnacyjtojnr Is there a real value in AmEx cards outside of US? I mean itโ€™s not that widely accepted like mc & visa. Never used it abroad, but maybe it has a value in Bali.
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TBH I dunno! I don't use it much bc I get more points on another card. Mostly just for flights and lounge access.
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Their service is surprisingly good compared to my other cards, tho. For example, when the card was compromised, they not only sent a replacement to a co-working space in Bali, they also changed the card number to the new one for all recurring payments for me.
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Ha nice one! I'm on the waiting list, but never got any news. And the site still shows "Revolut is coming to Canada". Did you get the news by email?
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Sometimes my VISA card simply doesn't work and at that point I'm glad I have the Amex. I also have a bunch of US recurring payments on it.
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Iโ€™ve never had an issue with AmEx acceptance ยฏ\_(ใƒ„)_/ยฏ
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Have enough cards that one is always still not expired
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sounds like you need a better bank UBMLPCW9Y. i have 2 cap 1 cards and i never have transaction fees, never have problems with google voice, they don't require you to tell them of travel plans, etc. so a better solution might just be a better card.
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amex is not widely used outside of the US in general except for expensive restaurants and hotels.
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Capital one credit cards are the least I had problems with, but for a bank account I have another one. Maybe I should try capital one for banking too, hm.
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i use cap 1 360 and have never really had a problem. any issues i've had have been minor and on the local bank's side and had great customer service on theirs. once in the ukraine i couldn't get money out of an atm and they stayed with me on the phone while i walked around the city trying atms until i found one that worked.
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xckvqtnphvfxbnmfk Your visa doesn't work in some locations? The only reason I could think that would happen is if your bank is doing some kind of fraud protection which should be complete eliminated by calling the bank and let them know you are traveling. I was under the impression that banks stopped doing this because they have more advanced ways of monitoring it now, but may some banks haven't caught up yet.
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Hm, I always thought it's a limited use card "just in case", even in US it was not accepted in many places. Maybe things are changed.
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I believe when I went to Seoul in 2013 Chase didnโ€™t allow any cards issued by them to be used in the country
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Pretty rare to find a place that doesn't take it in the US nowadays.
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cmjutdlvsmb Usually asian (e.g chinese food) places donโ€™t accept it
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Sometimes it gets declined which is easy enough to figure out. Other times, I think it's just spooks lol
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My VISA is CapitalOne
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No complaints otherwise
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Iโ€™m starting to worry about my Cap One Costco Canada card. Lately I noticed that they only offered phone sms as a 2fa choice. Before it was always a choice of email or phone. I donโ€™t have a reliable access to my phone sim when I travel.
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vciqoddm Yes, same problem (and fear) I have for example with Wells Fargo. Sometimes it allows only sms verification and that sms verification is either delayed or not received for Google Voice account. Also, adding that google voice number was a pain - only after multiple attempts it accepted it. Basically yes there are hacky ways everywhere, but some fear that bank will change some way of confirmation/etc is always a fear for me too.
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I wonder if you could use a US number as 2FA for a canadian bank? Same country code, but different area codes. I wonder if they filter for that. I love my Fi number for several reasons, but it has been convenient having a US number for my banking and other 2FA needs until everyone catches up to code generators and yubi keys
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Schwab doesn't allow 2FA via a third party authenticator, it seems. :-/
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I don't have Schwab on my phone and it's likely to stay that way
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they have a hardware code generator you can ask for, or a third party app (symantec VIP) which they work with too
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schwab historically has had terrible password limitations. so it was important to have 2FA with them for a long time
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I use apple/android pay, and just have my family member tell me the number.. then I just pay with my phone everywhere when possible.
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Yep, I was pretty high up on the list qtfzjysc (first 1000 or so I think?) so you'll probably be hearing from them soon
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enqhavwbc If you tell them that you're outside the US on travel I'd imagine they'd courier you a new one. Alternatively whomever's getting your mail could just forward it to you where you are
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I'm curious what the issue is here then? It sounds like you can get the mail from your PO box forwarded to you or change the address to your parent's house and have them send it? It sounds like there's quite a few options you have available
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I've never had an issue with AmEx being accepted in the US. In Canada lots of places don't accept it. When I went to the US after getting one I asked about 10 times "Do you accept AmEx?" and each time the person looked at me like I was absolutely nuts for asking, so I stopped asking.

Outside of Canada / US there's differing amounts of acceptance. It's definitely accepted more in places Americans frequently travel I've noticed.

I have a Visa / Master / Amex / debit / cash just to make sure all bases are covered but that's just me.
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The problem is the fact that I cannot just say "Hey, I don't even live in US most of the year, can I just have a foreign phone number attached to it, ship it anywhere I want, etc" :) And just a fear that if I loose all my cards I will have no way to restore it quickly while abroad. Maybe it's all in my head, idk.
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fzffvfrqj don't keep all of your cards in one place and there's no risk that you will lose them all. i've been on the road for coming up on 11 years. i've never run into the issues that are concerning you at this point.
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znbojtoccaqxxk Well, I've been on the road just for 3 years, yep need to catch up. And thankfully those days with PayPass and virtual cards there should be no need for physical cards soon
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abkdcyqaruamdjhok cljplticateor I recently ran into this and found a solution that allows me to use the 2fa app I normally use with Schwab and other Banks that force the crappy Symantec VIP app >https://github.com/dlenski/python-vipaccess>
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It helps if you're comfortable with the command line to get it going. But once you generate the QR code you just use the app of your choice.
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Yeah I have one of each in case I run into a weird place that only accepts mastercard
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(like my local grocery store here)
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Nice, thanks U02J3TL0Y!
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```
SoftBank reported a quarterly net loss of ยฅ700bn ($6.4bn) after its outsized investment in crisis-hit property group WeWork soured, jeopardising Masayoshi Son's ambitions to launch another $100bn investment fund.
```
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oof
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I think youโ€™d have to a hard time literally burning 6.4 billion in that time
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I suspect youโ€™d be rather unpopular with the central bank literally burning that much cash
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Theyโ€™d probably reprint it all, and reimburse you less the costs of having to reproduce it all
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The new uphold card seems decent. Seems like a decent alternative to the revolut card.
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My bank now has one of these, berry nice
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wftzn it does look interesting
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My Amex has been declined TWICE over the last 24 hours for no good reason, this last time on a partner site of Busbud. About to go to the actual bus station and try my Visa there, because I tend to have better luck with it in Argentina.

I'm a little unnerved right now. Not sure I'm going to do much more small place travel in Argentina.
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I honestly never expect my Amex to work outside of like the US
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Getting cash here is an absolute fuck. I was just in line for 40 minutes
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I only have an Amex for emergency Amex needs
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(Like the once in a blue moon I will come across a restaurant that is cash or Amex only, like, really?)
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Yeah, I'm hoping it's just general Amex acceptance flakiness
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I've never had my amex declined, you should probably call them
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Probably fraud detection, my bank sends me an SMS and has me confirm via SMS as well.
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It happens with S American payment processors sometimes and when it does, Amex has no record of the attempt. Amex can and does alert me if the transaction goes through and it looks fishy to them.
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Yesterday's Airbnb tomfoolery, for example... Amex had no record of it. Airbnb's payment processing is probably US based, but it's the same type of ephemeral error.
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This morning I did a test Airbnb reservation that I could cancel ... no issues.
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well this is annoying...
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does that keeps happening after reloading the page?
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it cycles between various error pages
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clearly
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AWS is having some major issues at EU-CENTRAL-1, might be related
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works for me.. I wonder if there is a DNS issue in your local ISP
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I would try reconnecting to wifi or trying in another browser
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Rappi cash is amazing in Buenos Aires! Highly recommend.
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I'm in a two-horse town near Esteros de Iberรก right now lol. The otherwise lovely hotel I switched to this morning takes cash only, and yes I will be dinging them for it on TripAdvisor.
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anyone doing any serious crypto trading at the moment? i mean trading altcoins like shares, rather than 'having some BTC just in case'
related >https://www.hindawi.com/journals/complexity/2018/8983590/>
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Yikes - cash only? I started traveling with like $500 US because of how difficult it is to get cash in Argentina
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bznoabhqacn that's probably more of a topic for #_crypto
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Anyone else use Robinhood?
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Logged in this morning to do some selling . . . and itโ€™s fluctuating like mad
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Every few seconds
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Like . . . 90-120%
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(Iโ€™m not that good at investing)
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What are you trading U2X7EBMMW? US markets are closed right now, so only forex/crypto trades will execute.
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Not selling now, later today. Was just checking returns. Something is up with their app.
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My portfolio value goes from being 50% of actual to 150%
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In seconds
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I got excited haha
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Thought I made $33k yesterday ๐Ÿ˜›
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Damn Robinhood
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Weird. They should use the prior close price to calculate your account value, but I guess not
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They normally do.
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Definitely a bug
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Still showing it. This is very odd.
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zfwtwwneazmwyl That could be a drinking game _wooohoo I'm rich_ take a drink, _crap, I'm poor_ take a drink ๐Ÿ˜„
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Haha. Well, Robinhood is just play money.
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I'm too smart to bet my money on my investment skills.
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And too stupid to not invest at all.
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I feel exactly the same way.
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I keep a bit in investment accounts, but I treat it as pure speculation.
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i thought robinhood was a robo-investor? no trading on your part at all?
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No, that is more like Wealthfront. Robinhood is self-directed.
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Robinhood is self-directed and fee-free.
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Hence it being great for speculation.
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On this topic, where do you guys reckon the best place is to invest as a nomad? I have been investing with Vanguard in the UK, itโ€™s the cheapest here and performs quite well, but they require you to be a resident to keep investing.

I know with Nutmeg you donโ€™t have this requirement, but Iโ€™ve heard mixed things about their performance
Iโ€™m a Dutch national who until the new tax year in April is a resident in the UK by the way
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pfsrgmcszxydrbj depends on your risk tolerance/willingness to put in effort to become educated and stay up to date about a particular market. In general, if you're not looking to spend a lot of time on it and your appetite for risk is pretty low (most people) you're probably best off investing primarily in an index fund/robo-adviser/ETF - key thing there is to find one that gives you the lowest fees
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Wealthfront and Betterment are generally pretty highly regarded in that category
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active investment managers eat up your returns with fees and half the time are probably just using robo-advisers behind the scenes anyway
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main risk there is that too many people figure this out and then if everyone is using robots to trade, there's no sucker on the other end of the deal haha
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but just realized these aren't available in the UK and that's the issue haha ๐Ÿคฆโ€โ™‚๏ธ
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I don't use real live investment advisors, even though they call me monthly. I can get better returns with a fee-free Fidelity mutual fund/bond split.
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I don't need some 23 year old accounting graduate charging me, then trying to upsell some whole life insurance shtick
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Mutual funds are managed investments. Just look at their tenure and ROI.
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dgmwayuwgsao the question isnโ€™t as much on general advice on how to invest, but more in the nature of โ€œwhich investment advisers / services do you happen to know are more nomad-friendly?โ€ As I understand it, many that I know of in the UK require you to be a resident in the country
Should have rephrased the original a bit better ๐Ÿ™‚
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i don't think there's a generic "nomad" answer for this, since your ability to invest is pretty limited due to legal/regulatory reasons if you're not a "resident" somewhere..
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i'd assume the best path would be seeing what investment options exist for dutch nationals?
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Hmm yeah you may be right - I was half hoping of some nuggets of places that are overall great and not as strict - i.e. the one I mentioned Nutmeg only requires you to have a UK bank account and a UK address at time of opening. Thanks anyhow!
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bgrpckdcmytnlut Once you get an account open, very few places will actively chase up your residency status, Vanguard UK included.
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A lot of expats and nomads just register their bank & investment accounts to a friend or family members address in the UK before they leave.
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If you don't want to do that, Interactive Brokers is a good international option - they'll open accounts for residents of almost anywhere, and in theory you can change your residency later without losing the account. Not as user friendly as Vanguard or any of the robo-advisors, but you can buy ETFs, index funds, stocks etc and the fees aren't too bad.
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Thanks U27FKS89J! Thatโ€™s good to hear, Iโ€™ll look into Interactive Brokers as it sounds like a good alternative. Now you say that, Iโ€™ll also reconsider Vanguard. I canโ€™t imagine a scenario where theyโ€™ll check up on your address, but I wouldnโ€™t want to end up in a no-no list either.
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Revolut seems like a piece of crap
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They sent me a card, but I never received it, then want me to pay to reorder the card
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Seems like you have to pay for everything with revolut. Nothing is really free other than the basic basic
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What youโ€™re describing sounds like a bank
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They have a banking license now, so...
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bbcrpoa That is that you get for non-paid account (but even then the first card I think is free)
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My Schwab checking account is excellent
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I donโ€™t think any bank in the us will charge you for shipping to replace a card
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Guess depends on the banks, in Lithuania I'm not even sure banks will post a card to you (especially internationally, at least not without charging 20-50โ‚ฌ for it) and even then I think the replacement card is only free if you are new customer or your card was scammed
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I recently lost my wallet with all my cards and it's been more than a week since I requested a new card from a local french bank
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And Monzo sent me the card from UK in just 3 days
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Traditional banks suck
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Same with Revolut, they send me a new card from UK to Thailand in three days. It's my main account (not where I keep my money but where basically every transaction goes through) for 2-3 years.
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My new card (premium account) arrived in about 2-3 days, got an account for my mom (free account) and it took almost two weeks to arrive.
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...it's been two weeks and my card from the french bank didn't arrive (I live 5 minutes from the branch). Good thing I don't need it ๐Ÿ˜„ but that would be like a joke if it was my main account
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Has anyone ordered a N26 card while out of Europe (a replacement card, which means you were already a customer)? I remember I tried 3y ago when I was in Australia but they wouldn't send it. I wonder if they became more flexible.
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You can use something like Cleverr to mail forward it to you anywhere. Thatโ€™s how I got my N26 the first time!
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Yeah, I used forwarding too. Sounds like the way to go then.
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I tried my Schwab card today for the first time and it worked exactly as promised.
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you just got a schwab card?
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Yup
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it's useful
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