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Discussion Starter · #1 ·
At which bank can I open an account with a tourist visa? I have an acr card, but on there is mentioned tourist and not residency.
I tried at BPI today but they wouldnt let me open an account.
 

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At which bank can I open an account with a tourist visa? I have an acr card, but on there is mentioned tourist and not residency.
I tried at BPI today but they wouldnt let me open an account.
All banks here are "supposed" to allow one to open an account so long as you have even a toruist ACR card. At the same time I have heard other stories like yours where it is not allowed. This is a personal policy of the bank president at a given location. I suspect they are given broad leeway in making these decisions-right or wrong. Best thing is to go to other banks in your area and apply. You should have little or no problem at other banks or branches - even of BPI.
 
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Discussion Starter · #4 ·
All banks here are "supposed" to allow one to open an account so long as you have even a toruist ACR card. At the same time I have heard other stories like yours where it is not allowed. This is a personal policy of the bank president at a given location. I suspect they are given broad leeway in making these decisions-right or wrong. Best thing is to go to other banks in your area and apply. You should have little or no problem at other banks or branches - even of BPI.
Thanks for the fast reply. I was already a bit worried that I have to keep cash with me until my final visa is processed..... Not really something you want in this country.
 

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Thanks for the fast reply. I was already a bit worried that I have to keep cash with me until my final visa is processed..... Not really something you want in this country.
Very welcome. Hope it works out easily or you. Sometimes when one gets out of the areas where tourists and expats live, companies such as banks just are not in the know on many things. If further problems persist where you are, you would find the banks down here in the Angeles area more welcoming even though it takes time to get down here to do the banking. One thing you'll find too is that it is near impossible to do business at a different branch of the same bank where you have an account. They don't seem to be very well connected except if using an ATM card.
 

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Discussion Starter · #6 ·
Very welcome. Hope it works out easily or you. Sometimes when one gets out of the areas where tourists and expats live, companies such as banks just are not in the know on many things. If further problems persist where you are, you would find the banks down here in the Angeles area more welcoming even though it takes time to get down here to do the banking. One thing you'll find too is that it is near impossible to do business at a different branch of the same bank where you have an account. They don't seem to be very well connected except if using an ATM card.
That's were I was today, BPI at Marquee Angeles. After getting a number and waiting for 45 minutes they showed me the door. The amount of people waiting at all branches of whatever bank you enter and the slow employees drive me crazy.....
 

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That's were I was today, BPI at Marquee Angeles. After getting a number and waiting for 45 minutes they showed me the door. The amount of people waiting at all branches of whatever bank you enter and the slow employees drive me crazy.....
Shocking! We use Metrobank and BDO and both are very good and accommodating. I'm told that ChinaBank is good that way also.
 

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Shocking! We use Metrobank and BDO and both are very good and accommodating. I'm told that ChinaBank is good that way also.
When we moved here to retire 3 months ago, we opened an account with Maybank but in wife's name and was told they would seek management approval for me to be on the account also. Long story short as I was on BB visa they declined.
By this time we had bought a house and I had a 25 year lease in my name. Went across the road to Metro and was able to open an account without ACR. It is about establishing your longevity here as opposed to being a casual visitor.
 

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When we moved here to retire 3 months ago, we opened an account with Maybank but in wife's name and was told they would seek management approval for me to be on the account also. Long story short as I was on BB visa they declined.
By this time we had bought a house and I had a 25 year lease in my name. Went across the road to Metro and was able to open an account without ACR. It is about establishing your longevity here as opposed to being a casual visitor.
Really crazy isn't it? Seems there is not much of anything set in cement here with rules or even laws. Things are very fluid. It was much easier years ago before ACR cards and all the red tape.
I still can't figure out the logic in having to have a certain visa type to open a bank account. After all the banks are making money from anyone having an account.
 
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Really crazy isn't it? Seems there is not much of anything set in cement here with rules or even laws. Things are very fluid. It was much easier years ago before ACR cards and all the red tape.
I still can't figure out the logic in having to have a certain visa type to open a bank account. After all the banks are making money from anyone having an account.
Therein lies the problem, using the word 'logic' and Philippines in the same sentence will cause total confusion.
It has to do with 'money laundering' so they say, but you are correct, how an ACR card fixes that issue is very questionable. Moreover, they allow people to stay here for 3 years on tourist visas, but not allow them access to everyday facilities. Also there are other types of visas such as BB visa and there is no ACR card requirement for such visa, so I am still scratching my head.
 

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Therein lies the problem, using the word 'logic' and Philippines in the same sentence will cause total confusion.
It has to do with 'money laundering' so they say, but you are correct, how an ACR card fixes that issue is very questionable. Moreover, they allow people to stay here for 3 years on tourist visas, but not allow them access to everyday facilities. Also there are other types of visas such as BB visa and there is no ACR card requirement for such visa, so I am still scratching my head.
:D:rockon: That sure is the truth start to finish. Then there is this one to figure out. Now a person has to have an ACR card to get a new issue driver's licence. Plus, now get this, you can drive in the Philippines on your home country license for something like 60 or 90 days from when you enter the country - BUT- they will not issue you a license until you have been here for one year! Go figure:confused:
Larry, Moe, and Curly Joe working overtime in the government offices..
 
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:D:rockon: That sure is the truth start to finish. Then there is this one to figure out. Now a person has to have an ACR card to get a new issue driver's licence. Plus, now get this, you can drive in the Philippines on your home country license for something like 60 or 90 days from when you enter the country - BUT- they will not issue you a license until you have been here for one year! Go figure:confused:
Larry, Moe, and Curly Joe working overtime in the government offices..
Actually you are supposed to have a Visa good for one year(13a,SRRV,etc) not be here for one year.

Chuck
 

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I wonder if the 90 day in country limit on the international drivers license can be verified by the local police. As manual as the systems are around here I doubt they can check a database. I got a parking ticket once and they never asked how long I was in the PI, just asked for my license (California license).
 

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I wonder if the 90 day in country limit on the international drivers license can be verified by the local police. As manual as the systems are around here I doubt they can check a database. I got a parking ticket once and they never asked how long I was in the PI, just asked for my license (California license).
Are you talking International or home country license. If you are here on a BB Visa your only proof you are here legally is your passport, unless you voluntarily apply for an ACR card, most do not. If you are a on Tourist Visa after the first 59 days you will be required to get an ACR card, the visa validity date on the ACR says "Refer Passport". So while there maybe no readily available data base if they request the passport it will show your date of entry. Do your need to carry your passport or just have a copy of the information page and entry stamp page or neither? Probably depends on who stops you and what they want to see.

Chuck
 

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Actually you are supposed to have a Visa good for one year(13a,SRRV,etc) not be here for one year.

Chuck
Hope that's right. A close friend of mine went to the LTO office at Sm City Clark last month and was denied a license. They told him he had to be here one year before he could obtain a license in the country. Of course he could have misunderstood.Either way it seems silly to not be able to or make it so difficult to get a drivers license. I got my first license here back in 1996 before all the BS. Simply showed them my US license and after the then required physical exam they issued a brand new Philippine license for just a small fee of something like P300.
 

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Discussion Starter · #18 ·
Hope that's right. A close friend of mine went to the LTO office at Sm City Clark last month and was denied a license. They told him he had to be here one year before he could obtain a license in the country. Of course he could have misunderstood.Either way it seems silly to not be able to or make it so difficult to get a drivers license. I got my first license here back in 1996 before all the BS. Simply showed them my US license and after the then required physical exam they issued a brand new Philippine license for just a small fee of something like P300.
What if you fly in and out on a regular basis? which date is then taken for the 1 year period?
 

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What if you fly in and out on a regular basis? which date is then taken for the 1 year period?
That really is a good question. I'd bet if you asked 10 different workers at immigration and also a bank you'd probably get 10 different answers from each. Things are very fluid here and often times depends on who you talk to.
 

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Discussion Starter · #20 ·
Saga continues, been to Metrobank today, they request a lease contract and a barangay clearance and then the application is 'subject to approval'. Do I look like a criminal or something?
All I want is a stupid account with debit card, no credits nothing. They get money for free which they can use. :mad:
 
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