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# _photography5min# _legal11min# ___general43min# _coders1h# _outdoors1h# bali1h# _money1h# vietnam2h# argentina2h# _pets2h# mexico2h# chiang-mai3h# _relationships3h# _food3h# _fitness3h# _housing4h# _gear5h# _bargain-travel5h# _flying5h# _startups6h# _taxes-intl6h# _taxes-us7h# malaysia7h# budapest8h# malta10h# russia11h# _politics11h# _overland-travel11h# thailand12h# paris12h# south-korea13h# denmark13h# _freelance13h# _jobs-talk14h# _marketing18h# taiwan19h# australia20h# _insurance22h# china23h# peru1d# uruguay1d# medellin1d# spain1d# canada1d# ukraine1d# lithuania2d# _music2d# philippines2d# new-zealand2d# _books2d# brazil2d# egypt3d# __roll-call3d# berlin3d# _show-and-tell3d# _lgbt3d# india3d# south-africa3d# singapore3d# cambodia3d# united-states3d# amsterdam4d# dominican-republic4d# hong-kong5d# italy5d# greece5d# switzerland6d# japan6d# colombia6d# slovenia6d# lisbon6d# qatar6d# israel7d# london8d# france8d# cyprus8d# panama8d# united-kingdom8d# _crypto9d# bulgaria9d# montreal9d# las-palmas9d# ecuador9d# miami9d# chile9d# romania10d# croatia10d# tel-aviv10d# _design10d# netherlands10d# europe12d# georgia12d# austin14d# kuala-lumpur16d# __jobs16d# _ruby17d# kazakhstan17d# turkey17d# serbia19d# costa-rica19d# germany19d# _language-learning20d# middle-east21d# sweden21d# africa22d# prague22d# slovakia23d# _javascript24d# toronto24d# portugal24d# poland27d# new-york-city28d# puerto-rico28d# myanmar1mo# latvia1mo# guatemala1mo# indonesia1mo# norway1mo# bolivia1mo# sri-lanka1mo# estonia1mo# morocco2mo# latin-america2mo# north-korea2mo# laos2mo# iceland2mo# ireland2mo# macedonia2mo# _productivity2mo# montenegro2mo# asia2mo# _dating2mo# iran3mo# mauritius3mo# belgium3mo# moldova3mo# austria3mo# san-francisco3mo# __general3mo
ctwtqlgdtlo5d
It's very confusing to use
uzopjfbcebe5d
At least it was for me the one time I used it
uvummyyiudabh5d
They raised their fees a few months ago, my transfer times keep getting longer and more unpredictable, and most recently I funded a large VND balance before discovering that US-issuee TW debit cards don't work in Vietnam
txxuukzbprmer5d
So like, why give me the option of holding that currency
wtbvjmiygyxiq5d
Support usually takes about 48 hours too which kind of sucks for a financial institution
ookhgrj5d
Yea, their fees are still way better than PayPal. As far as the other stuff that hasnโ€™t come up for me
ltdnijonnkwhh5d
I still use them but I'm not fanatic about recommending them anymore
cjieejt5d
Fair enough yea
sikpnmj5d
Bitcoin is underrated for this type of stuff
elygxejlbaygo5d
They also randomly ask me to reverify my identity at inconvenient times with passport scans and stuff
hcedsfcfxghcx5d
I went hungry one night because of it
oijzgbnrbpbek5d
(I brought 5 cards to Vietnam and only ONE of them worked!)
egdowhqheycpu5d
That might be more of a Vietnam complaint than a Transferwise one though;)
ltcvraycqntme5d
I used to use bitcoin that for this stuff
utpodrctlfyah5d
but lately I don't really want to be associated with bitcoin people
xsismrqoffawi5d
the tech is fine, the community is awful
gnbwwhw5d
Yea not everyone wants or knows how to accept it is the main issue
pcauwojfesdj5d
I've been using TW for several years. It's a good service and their exchange rates are really good (at least that's been my experience)
xnjmjinmvcohw5d
also suggest TW. it's how i get paid to my international company and it's how my company pays our mexican employees
ijwlcxchca5d
๐Ÿ‡จ๐Ÿ‡ฆ Best rate I found by far for GIC is 3% www.peoplestrust.com/en/campaign/simple/ I'm opening an RRSP GIC account now
lzoudvtdfr5d
Transferring funds can only be down by:
โ€ข Cheque
โ€ข Post to Vancouver
eeigskfph5d
Also suggest TW!
agibnxt5d
To lock in a rate.
lqpxqlxo5d
prob because you can still make bank transfers and use your VND balance as source
mhjoaqfsj3d
Was trying to extract small ($20/$10) USD bills from Barclays today in the UK and it was pretty tough because of the TravelEx issue. I had to go to 3 branches to find $300 of smallish denominations.
bqlmdbvlipual3d
why not just go in and have them give you the money?
jrrbygico3d
go in where?
ggvmmcsbfabxt3d
the bank
yqpcgursk3d
I did. I went to 3 branches and they literally donโ€™t have small denominations in stock anymore
yqbsejgmlgnqj3d
it wouldn't occur to me to try to get USD from a bank in the UK...
bumkwyvgpzbxi3d
ok, so ignore me because i'm an idiot
jtmmszehaeunw3d
i thought you were at an atm for some reason.
nodxpohnqkqpv3d
clearly i need sleep
buklcktplatcw3d
moving on
teoujhijmzpzf3d
i think it's because when i wanted to convert USD to Lira the other day the guy wanted me to do it via an ATM and it has thrown me off.
cgztzdioe3d
haha no. I have a USD account in the UK, so itโ€™s good to avoid conversion fees when I travel that require it (sub-saharan africa)
apblzitdvzrko3d
i hated having to get/carry USD for africa. it was so annoying.
svjjzwicgsfel3d
ditto nepal
tdalocwnq3d
yea, Iโ€™m a bit terrified of using ATMs there. I hear they can just eat your card
ioivrpgjm3d
That reminds, Iโ€™m going to try and get TransferWise to ship me a second card โ€” not sure if thatโ€™s even possible.
jrrxlaoohvssj3d
i would always use an ATM that is physically attached to a bank as then you can walk inside if it eats your card. but i didn't have any issues. where are you goin?
lhtceutrllcor3d
besides south africa?
fhsypjdlr3d
Namibia, Botswana, Zambia, Zimbabwe, Malawi, Tanzania, Kenya and Uganda
uinytxlut3d
Itโ€™s a GAdventures tour. I think the guides will have a good idea of safe places to withdraw cash, I just donโ€™t know how often that will be and how much cash the machines will actually have
baylorjypnteb3d
nice.
qwyjwouzxhahg3d
ah, yeah. they'll herd you around and make sure you don't get screwed.
fcrbtxycpallo3d
if it makes you feel better i had no problems during my time in tanzania, south africa, uganda, or rwanda.
mvgmzjwdp3d
cool, that does ๐Ÿ™‚
eeknwjmmogqss3d
i was down there for about 5 months with 0 issues
dgcjudabi3d
There was a travel blogger who did a leg of this tour who suggested having backup card(s) just in case. But hopefully a fairly rare occurrence like your experience
fyvkqldjy3d
I do have several cards I can use that would just give sht fees but wouldnโ€™t ruin the trip
ghbuldmvqwhpz3d
make sure you always test the atms
vmueyhvqw3d
Like small withdrawal then big withdrawal?
piovntwpiqnga3d
no like pull on the card slot to check there isn't a skimmer
wpagiwmle3d
ooo
tdoanfnbaevfq3d
i pull like hell and inspect closely any ATM i use
oqsgbdujvtasi3d
people look at me like i'm nuts but IDGAF
bfzyczlpo3d
Yeesh
xijsqlmjp3d
Never really saw anything like that, I always thought they were more subtle, like inside the slit
zdjlcnipofvekl3d
Wow!
xxsyko3d
I second that - an ATM in Luxor ate my card but fortunately I had had the presence of mind to make sure it was attached to a bank, and was able to retrieve it the next morning from a secret guarded room ๐Ÿง
tschxnzazpjnha3d
There's a device called Hunter Cat to detect card skimmers www.youtube.com/watch?v=gKrm0MM_Ils
hoirkzgtsfexy2d
I think thereโ€™s an android app now that can detect common gas pump skimmers, it may work on atms
easbmykmmhnms2d
They use bluetooth nowadays to grab the data off the skimmer
lswblknclqeju2d
so you can detect that somehow I guess
srchmtfxfas2d
...TIL there are multiple(!) apps to help me manage my swimming pool skimming business
tmtnfxasuwp2d
"Skimmer Pro" is by far the best though
jpkbpibstgc2d
Just in case anyone was looking for a new side hustle ๐Ÿ˜‚
iazewbzcknsv2d
ROFLCOPTER
xflqkafaov2d
Damn, I'll be using a human teller for my upcoming travel withdrawals
khsgzbudjb2d
Also for the engineers in the channel, this is why a browser blocks CORS JavaScript calls as this is like a iframe over an online banking sign-in form ๐Ÿ˜†
cqgtgkaw2d
TBH, I saw that gif/video before, about a year or so ago, where the whole front of the ATM is a skimmer unit
vhrpszdz2d
and for some reason i think i read or heard that skimmer units nowadays are more like that ?
wtulqxlz2d
I heard basically pulling on the green credit card thing won't work anymore
jkohcmki2d
could be wrong
xlngxbqa2d
i guess it depends on how many ppl check for that
rkgrwvfy2d
cat n mouse game
xusbnnncc2d
Itโ€™s probably not all that black and white. Iโ€™m sure both are going on.
ktypdjoienpqmjjo2d
Some of the comments on that reddit post say this video is like four years old
uycerfjvmuiuvaqm2d
Not to downplay but it's not like New Horrors Have Been Unleashed
gburtinyrfgjivrv1d
I found out not too long ago that there's a company in Canada that just buys retired free-standing/portable ATMs and people have been buying them, reprogramming them and dropping them in public places. ๐Ÿ˜ฌ
vdqkwiybybliqqmk1d
Someone tried to brute force their way into one of my accounts today ... just put 2FA via authenticator app in a couple of new places.
mhfoptik20h
I wish more ATMs were reprogrammed... to play cute sound effects when I take out my money, like the ones I've been using here in Japan
swpkgazdvkattrdw20h
haha
legazqnoqbtwnf19h
Thats the โ€œthank you for your debit card informationโ€ song.
vkfsewcer18h
How did you find out someone tried to brute force? Account locked?
ilmvruhzwtlgmezm15h
The provider texted me right after they locked the account.
lddafvcpxoyatjra15h
And I lovvvee that they have opt-in voice ID for phone support
knwrotx14h
beats failed text receipts.
soqtlsfrsj12h
payoneer, bitcoin, there are tons since u
are sending money to someone you trust!
jgzmxifpqtt5h
2FA everywhere for the win. Right up until you lose your phone! Be sure to back up Authenticator.

Voice ID is nice too. The gold standard is something you have, something you know, and something you are.
mjdpvejddlh3h
I still have a mint account
drlrvkkpqnf3h
I rarely log into it
xqxmtratayltjpu2h
I still use it but it's an "at a glance" quick view that's a bit easy but there definitely issues with it. What are some good alternatives?
aeiqfhwgebcpqpyx2h
I am still using Mint, it's still useful for consolidated views with my wife.
vmjbyvnmtpp1h
I still use it but I definitely think it's gone downhill, and there are soooooo many ads now
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