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06-29-2013, 03:27 PM
Well thats good to know... I will have to keep that in mind.
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06-29-2013, 10:49 PM
Schwab looks sweet but last time I checked their site, it said it was only for US citizens/residents. I'm curious to hear what is the best bank that my fellow Canadian globe trotters use on the world travels. Ive been using the RBC VIP account where for a flat 30$/month, I have unlimited transactions and they refund all the atm fees I get charged for international withdrawals that they charge me. In other words no fees on those transactions from RBC (5$ each transaction normaly) but a fee will be charged by the local foreign bank. Ive been looking for alternative options until I get an account with HSBC in HKG.
So what is the best bank to use for traveling as a Canadian?
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07-01-2013, 03:28 AM
VP, try Harris bank. It's a US bank that accepts Canadian depositors, and gives you free atm withdrawals.
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12-02-2013, 08:33 AM
Thanks for the update DD, I continue to enjoy your Manila experiences.
Which type of Schwab account did you get? They seem to require some steep minimums it sounds like you got the "global account" or whatever if they're letting you use it for 1+ years.
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12-02-2013, 11:38 AM
No special account. Just the normal account they give everyone.
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12-02-2013, 09:00 PM
I use the State Department Federal Credit Union. It's intended for State Dept. employees, but anyone can join through a loophole with some charity. I forget the details, I did it a couple years back, but when you do the app on the sdfcu.org site you can select "join charity automatically" or something, and through membership in that organization (which costs $0.00) you become eligible for joining SDFCU.
The benefits are branches at US embassies in some countries, great support for travel (most of their customers are traveling non-stop), and great features like a prepaid EMV card you can load from your bank account that has true chip-and-pin functionality. Also very low fees since it's not for profit like the commercial banks. Low fees for stuff like wire transfers, etc.
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12-05-2013, 11:32 PM
Quote: (12-02-2013 09:00 PM)BigDave Wrote:
I use the State Department Federal Credit Union. It's intended for State Dept. employees, but anyone can join through a loophole with some charity. I forget the details, I did it a couple years back, but when you do the app on the sdfcu.org site you can select "join charity automatically" or something, and through membership in that organization (which costs $0.00) you become eligible for joining SDFCU.
The benefits are branches at US embassies in some countries, great support for travel (most of their customers are traveling non-stop), and great features like a prepaid EMV card you can load from your bank account that has true chip-and-pin functionality. Also very low fees since it's not for profit like the commercial banks. Low fees for stuff like wire transfers, etc.
Anyone else try this out? Considering it.
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01-23-2014, 02:16 AM
My experience with signing up for Schwab earlier this month was much different than what other guys are reporting.
I filled out the online form and my account was opened immediately. They sent me a debit card and checks as soon as I deposited funds.
I'm guessing there are either some extenuating circumstances involved or they streamlined the process since last year.
Gonna check out HSBC also since I need to maintain a physical account but I've been wanting to ditch Bank of America.
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01-23-2014, 05:02 AM
If your in the UK, the Halifax clarity credit card is very good. 0% fees on any transaction and no charges at the ATM. you get pretty much forex rates too. Its what I use at the moment.
Will look at the other links here too.