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What's the best way for Canadians to get cash or transfer money in Thailand & SEA?


in Thailand by @artofbryce | 4yr  | 5 comments

Weโ€™re setting off on our first venture for new digital nomad life in 20 days!

  • starting in Chiang Mai as our home base
  • 1 year ED visa
  • planning to bounce around all over

Right now, Iโ€™m utterly baffled and confused by trying to figure out how weโ€™re going to be able to get more cash or transfer money from our bank accounts in Canada. Either at all or without getting charged insane fees.

Iโ€™ve looked through the forum and a lot of solutions put forth with no real luck. Hoping that some Canadians may chime in with solutions, experience or advice.

Thanks!

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@0frontiers | 3yr

Iโ€™d use as many means as possible.

  1. Payoneer or Paypal (check out the Thailand integration, in most countries it works).
  2. Check out Xoom.com
  3. Open a Thai Bank Account (i have one with Bangkok Bank)
  4. Get a trusted Thai person to evtl. back you up with transfers (Paypal could do)
  5. Have Canadian low-fee Credit Cards.
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@thetwopct | 4yr

In Thailand, its easy to open a bank account as a foreigner, then use something like Transferwise to send money from Canada to Thailand. Only local cards have no ATM fee ($3-5 per withdrawal) and using Transferwise means you get a very good exchange rate.

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@fussen | 4yr

We have no experience in Asia but here are some suggestions.

Use Visa or another credit card (for credit, not cash withdrawals) for purchases as often as possible.

Check out RBCโ€™s VIP plan. About $35 per month gets you no fee withdrawals at ATMs on the Plus network. Find out whether itโ€™s in Thailand. Neither end (RBC nor the ATM) charges a fee. Weโ€™ve used it extensively in Europe and recently in Colombia. Itโ€™s preferable to Visa as thereโ€™s no interest charged on what you withdraw.

There can be maximums on what you can withdraw per day, so plan for large transactions like rent.

Manage your funds across accounts and pay your credit cards online.

If you go with RBC and your ATM card is declined twice for any reason, do not use it again for 24 hours. RBC said that with the third decline in24 hours it can be blocked and can only be unblocked onsite at an RBC location in Canada. Thatโ€™s when your Visa card as backup for cash withdrawals would be needed.

Travel with cards for two separate Visa accounts so that if one is lost, or gets shut down you have the other. Never carry them both on your person unless thereโ€™s no other choice. If you each have a card for each account, when carrying them all, each person should carry both cards for one account so the other account isnโ€™t affected if one person loses them or is robbed.

When buying on credit, if the machine offers for you to pay in your currency or the local one, common agreement is to select local, so that your credit card company determines the exchange rate and not the vendors bank or credit card provider.

Hope that helps.

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@gregor | 4yr

Hi Bryce, I struggled with this as well. BMO has been pretty good at letting me do wire transfers over the phone however they charge a hefty fee. I use transferwise and that works quite well.

If you declare your residency in Canada then transferwise will ask you to get some id verified, which is hard to do if youโ€™re already in Thailand. However if you can proof your residency (living, not tax) is in Chiang Mai then you wonโ€™t need it. A Thai Drivers license works.

If you havenโ€™t left yet then now is the time to get all your documents verified and speak to your local branch manager and advise them that you will be travelling and will need to transfer money to your Thai bank account. (Bangkok Bank IMHO is the most farang friendly).

Also a good time to get your International Drivers license so you can flip it into a Thai drivers license less painfully.

Other than that you could always carry under $10K with you and deposit it into a bank account after you get the best rate in town. You donโ€™t want to get thai baht, youโ€™ll need a brief case to carry it on your flight haha. CAD$100s are somewhat easier for your first lump sum deposit. Once you have transferwise set up then use it and your bank as your backup.

Nice thing about transferwise is that you can set up an alert when the CAD$ has hit a 2 week high and then transfer thereafter.

Always indicate itโ€™s for travel expenses.

Hope that helps!

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@matthieudrula | 4yr

If you want to withdraw money, credit cards are great.
I lost mine but basically itโ€™s taking money out from ATMs and paying it after from your Canadian bank account.

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Best place for solo UK traveller for surf, sun & working between Oct and Dec??


in Tenerife, Spain by @leojb | 2mo 1 month ago | 0 comments

Hey Nomads, would love to know any thoughts here.

Top of the list are currently Tenerife, Lagos/Ericeira (Portugal) & Malta??

Would love to know if anyone can vouch for these at this time of year.

Beautiful beach would be the dream. Basically European Bali! I'm sure something many of us are searching for.

Thanks a million. Much love.

Leo

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What's the best thing to do with your phone/ your phone number when travelling?


in Poland by @davda1546 | 3mo 2 months ago | 6 comments

Hey, hope everyone is well!

We're leaving in a month to go travelling. Our first destination is still to be confirmed, but will likely be Poland or Slovakia. We will be moving around every month or two to different destinations.

The question we have is: what do people do with phones/ phone numbers when hopping from country to country? Ideally we'd just like one number for the whole trip (even better, the number we already have) wherever we go, rather than getting new SIMs with different numbers.

This is just so it's easier to keep in contact with family/ clients/ etc.

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What's the best SIM card you can get for traveling to Spain?


in Spain by @gabygarreau | 6mo 5 months ago | 3 comments

Hi! I want to relocate to Spain and I was wondering if someone can recommend a SIM card with a good data package.

Thanks

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Central America - Where and what's next?


by @as11 | 11mo 10 months ago | 11 comments

Currently in Playa Del Carmen, Mexico and heading to Santa Teressa, Costa Rica next week.
Then Aruba in the Caribbean Sea for Christmas and New Year.

However I feel I want to head back to Central America to bring living costs down, rather than staying in the Caribbean Sea among the expensive Islands.

This means I have around 2 - 2,5 month of unplanned travelling.
Any digital nomads who have ideas about where to head in that timeframe?

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What's the first step now that I can work remotely?


by @mariaplslourdes | 1yr 1 year ago | 4 comments

Hi everyone and nice to e-meet you!
finally, after so long I found a job that allows me to work remotely.
But now? Do you have any practical advice that I can use to approach this new world?
In particular, I have to put my tax situation in order, do you know a good tax advisor from whom I can ask for advice? (Iโ€™m Italian but I live in Franceโ€ฆI donโ€™t know how long it will beโ€ฆ) )
Beyond that, any advice is welcome.
Thank you!
Maria

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Cheap Cities in Mexico & South America with Fastest Wifi


in Mexico by @jnomad30 | 1yr 1 year ago | 3 comments

Hi Guys,
Iโ€™m planning out my next stops after leaving Medellin, Colombia soon where I can hunker down and get some work done with fast wifi and cheap living. Will be in Mexico first so starting a look there but wondering if coming back down to South America might make more sense?
My main concerns are budget and fast enough wifi for me to work from home. Other considerations are some nomad community (ideally also some English speaking expats as my Spanish is basic) and warm enough weather.
Thanks in advance!

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How to arrange prescription medication abroad (for example Thailand / SEA)


in Thailand by @dezeisvastnogvrij | 1yr 1 year ago | 1 comment

Normally, when I go abroad for a longer period of time, I try to take as much medication with me from my home country as I can for that period. Which so far has worked well for me.

But if Iโ€™m going to be a full-time nomad that wonโ€™t work anymore. Mainly because Iโ€™ll then unregister from my country. Which has some downsides like not being able to have my current health insurance anymore. Other health insurance companies wonโ€™t cover existing conditions, so Iโ€™ll have to buy my medication โ€œover the counterโ€.

But since I need some medication which in The Netherlands (and I assume other countries) is only available on a doctors prescription. I was curious how people here arrange that (if there are any in the same boat as me).

The main medication I think would be hardest for me (and most expensive) to get is Epoetin-Alpha (Aranesp) injections.

Since thereโ€™s not really a โ€˜world wide standarizedโ€™ doctor prescription form, how do you get the medication abroad? Do you have a checkup there again at a local clinic before you can get the medication? (That would probably add to the cost too).

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What's the best warm destinations in Europe in the winter?

 

by @jammingsloth | 1yr 1 year ago | 33 comments

Planning ahead for the winter. Iโ€™ll be in Spain in the Fall and want to go someplace warm for the winter in or near Europe, but not Schengen. Was first thinking Cape Town, but the internet is slow and it is very far. Was also thinking:
Israel - but airbnb listings are very pricey.
Morocco?
Turkey - maybe a little chilly.

Any other suggestions?

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What's the best bank account for a global nomad?

 

by @barrybjjoubert | 1yr 1 year ago | 25 comments

Dear all
As a wanna be nomad figuring out a way to get free of the rat race, I was wondering what is the best bank account to have while travelling the globe? I need an account where is easy for me to receive payments from all over the world and it also need to be a bank that I can find almost anywhere in the world. I want to avoid carry cash on me if itโ€™s possible.

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What's the best CRM/system for managing remote work opportunities?


by @panoramica | 2yr 1 year ago | 3 comments

Iโ€™m currently doing some work through Upwork, but itโ€™s sporadic and Iโ€™m keen to get more active on other platforms like Freelancer, Toptal, CodeMentor, Fiverr etc

Currently Iโ€™m managing leads in a Google sheet. Basically itโ€™s just a list of projects I pitched for, how much I bid, what I did differently from the last pitch/bid, how much time went by before I got a offered a job etc.

Iโ€™m not actively following up anybody, and Iโ€™ve in fact โ€˜lostโ€™ a few jobs where the client was keen, but then disappeared without a trace. I guess I need to keep in touch with those people to ensure that they remain focussed on our agreementโ€ฆ

Iโ€™m also keen to take on more small projects concurrently, without dropping the ball on any of them.

Iโ€™ve done a quick Google and turned up a few names including Salesforce, Zoho, Nutshell, HighRise, Base, Nimble, etc etc. But testing out all these products isnโ€™t all that appealing, so I thought Iโ€™d ask here first :slight_smile:

Ideally Iโ€™d like something that integrates with remote job boards in some way.

Feature list

Iโ€™ve done some research and currently have this feature list:

Proposal building & tracking

  • Compile proposals from snippets - technologies, past projects
  • Quickly pull together a realistic/client friendly quote
  • Test and measure different approaches
  • Beat proposal deadlines while maintaining quality
  • Fine tune pitch material to bid more quickly and win more work โ€“ templates
  • Store history about past projects involving common needs and technological solutions
  • Learn which proposal content is working, and which is not

Lead generation and client management (CRM)

  • store info about regular clients
  • track remote projects which Iโ€™ve pitched for
  • Remote Job Board integration
  • search multiple job sites for keywords
  • track projects across multiple remote platforms โ€“ API integration / message alert/response

Project Management & Scheduling

  • Break projects down into granular tasks
  • Gantt chart to visualise overlapping jobs
  • Calendar to schedule daily work, deadlines, R&D
  • follow up, plan and schedule future work now, rather than once current work has dried up
  • offline reminders via a dedicated Android app
  • time tracking โ€“ to get an idea of true cost, to flag issues to client
  • BitBucket integration

Billing

  • Integration with Xero
  • tracking status of payments, actual payment date vs expected payment clearance date

Marketing

  • Get repeat business
  • Build Word Of Mouth
  • Proactive lead generation
  • Publish proposals as case studies

Cheers,
Dan

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What's the best place to incorporate an online business?

 

by @octave | 2yr 1 year ago | 63 comments

I have an commerce website. We get around 1000 orders per month and this is going to get quite a bit bigger in next few years.

I am British. I live in Thailand.
Im not allowed to majority own a Thai business and small foreign entrepreneurs are not really welcome. So i need an offshore company.

I need PayPal and an ecommerce internet merchant account. Also looking at alternatives like worldpay. 2checkout etc

Does PayPal need me to be a resident to the country i register my account to? Are there complications being a non resident to get other payment solutions?

Apparently in Hong Kong you need 2 years trading history to get an Internet Mechant Account and they generally turn their noses up at those with less than $1m(us) a year turn over. Singapore seems a bit easier.

I really want to avoid paperwork and book keeping. I hate it.

So i was looking at Seychelles, Panama, BVI, Belize.

Does anyone have experience with payment providers in these countries?

Most nomads i see donโ€™t really have a high volume of small monthly transactions which i do. Im going around in circles and donโ€™t know where to start.

Ill also need a bank account for business and a personal bank account to pay my salary into

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Are there comparable companies like Iglu in Thailand?


in Thailand by @stiensf | 2yr 1 year ago | 2 comments

You can look up the Iglu company in Thailand. It is a legal way of working in Thailand with a work permit for digital nomads. Are there other companies in Thailand offering work permits for digital nomads? They charge you 30% of your salary, which is a lot. Are there other companies charging less than Iglu or have a different pricing scheme?

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What's the best mobile-data option in New Zealand for nomads?


in New Zealand by @goldsaj | 2yr 1 year ago | 2 comments

Hi All! Iโ€™ve heard Spark and Vodafone are the best. I plan to move around, so I care mostly about having good coverage, and all Iโ€™ll need is around 1 GB of data or so.

Any suggestions?

Thanks!

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Estonia E-Residency & CFC


in Estonia by @edusantorini | 2yr 1 year ago | 7 comments

So, Iโ€™ve been looking into e-residency and moving my business to Estonia the past few weeks.
Iโ€™m still a tax resident in Germany and therefore fear Iโ€™ll be suspect to CFC laws. I somehow canโ€™t find any reliable info on this and I donโ€™t feel like reading through the whole law, so just wondering if anyone knows how CFC laws in EU countries come into practice. What taxes do I need to pay exactly? As soon as I cash out (dividends), as far as I can see I need to pay 20% income tax in Estonia. Then what? Of course, I would need to pay income tax in Germany. What taxes do I need to pay besides these?
And if I keep the money in Estonia/reinvest it, am I right that I wouldnโ€™t need to pay any taxes at all? Only for the money I cash out of Estonia/the business?

Iโ€™m by the way not doing this to evade taxes, taxes are secondary. I primarily simply want to move my business activities out of Germany + the all-digital concept and the bookkeeping service of agencies like leapIN are interesting.

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What's the best bank for South African digital nomads?


in South Africa by @kirst85 | 2yr 2 years ago | 12 comments

Iโ€™m a South African about to become a Nomad next year. I will still be employed by a South African company and receive a salary into my FNB bank account monthly.

I will be mostly based in Serbia but plan on travelling a lot. Does anyone have any advice on the best bank account to have? Is there a way to not get charged a small fortune in ATM charges and avoid getting my account frozen for using it in lots of countries?

Iโ€™m unsure of the best way to handle things. Should I try get another bank account outside of SA (Can I even do that)? I also have a British Passport if that makes a difference.

If any of you have any experienced advice I would be very grateful, Thanks in advance!

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What's better? Puerto Vallarta vs. Playa del Carmen in Mexico?


in Puerto Vallarta, Mexico by @oskar | 2yr 2 years ago | 12 comments

Iโ€™m going to travel to Mexico by the end of february and i would like to know which place do you recommend to stay at for a month or so. Which one would fit better for a digital nomad? Pros and Cons for each place are welcomed :smile:

thanks!

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Whatโ€™s a good European call & SMS forwarding service?


by @adrienbetweets | 3yr 2 years ago | 5 comments

Hi all

What do you guys use for receiving both sms & calls on a European phone number?

Iโ€™d like to have a phone number that does not change for at least 1 or 2 years.

I did my homework & found this thread but itโ€™s only about US services so I donโ€™t think itโ€™s relevant: Whatโ€™s a good US call and SMS forwarding service?
Also, I looked into Google Hangout but it doesnโ€™t support European phone numbers.

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Project Fi (and AT&T Roaming) in Canada


in Canada by @danicatalina | 3yr 2 years ago | 4 comments

Going on 3-6 month #vanlife trip throughout the USA and Canada, and setting up my data connectivity to be able to work on the road. Without going into depth (unless you ask), Iโ€™m trying to figure out options for cell service as a US citizen in Canada, and looking for everyoneโ€™s input:
(1) Project Fi: any experience or feedback on how Fi works in Canada? Iโ€™ll be almost exclusively in British Columbia.
(2) US Carriers: any feedback on AT&T or Verizon?

Thanks, all!

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What's a good US call and SMS forwarding service?


by @vong | 3yr 2 years ago | 12 comments

Hi all,

What do you guys use for call and sms forwarding?

Currently I have a Skype US number that forwards to my local phone number. However, it canโ€™t receive SMSโ€™es so thatโ€™s a huge dealbreaker.

Thereโ€™s RingCentral - but that starts at $29/month which is rather pricey.

Any suggestions? Iโ€™d just like to be able to call and text like Iโ€™m still in the US (when Iโ€™m not). Thanks in advance!

Sarah

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Can I enter Thailand on a tourist visa and obtain an education visa there?


in Thailand by @hydrofog | 3yr 3 years ago | 7 comments

As an American Citizen, would it be safe to fly into Thailand without a visa? You can get a 30 day upon entry right?

The reason I ask is, Iโ€™m in the process of getting my passport. Iโ€™d like to leave basically as soon as my passport arrives in the mail. Iโ€™m unable to apply for a Thai Visa until I have my passport, so that would require an even longer wait.

Would I be able to fly into Thailand with no visa, then get a 30 day entry, then apply for an education visa while inside the country? Once I go, Iโ€™d like to not have to return to the US. I donโ€™t mind if I have to take a bus/flight to a neighboring country for however long if I must leave while I wait for an education visa.

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