trotsky » user profile

Member Since 12/08/2017
Last Seen 10 hours 6 min
Location Melbourne

Recent Activities

> So which 3 letter big 4 bank bank that does not charge fee but is using bad exchange rate you're talking about?...
29/11/2021 - 21:12
HSBC don't charge ATM withdrawal fees at some ATMs (those they network with) but their FX rates are worse than Wise's, hence why I moved. I...
29/11/2021 - 21:01
Why on earth would you use 28 degrees as an example when I am talking about how legacy banks hide their commissions behind inflated FX...
29/11/2021 - 20:56
Yes, the rate is much better
29/11/2021 - 20:50
Yes, to open the USD account it needed the usual 2 pcs of ID
28/11/2021 - 20:48
Yes, per transfer, so best to txfr everything at once.
28/11/2021 - 20:47
Just went back and had a look, you should do the same. You were cheaper than ANZ, about the same as revolut and more expensive than...
28/11/2021 - 20:46
This is exactly the gimmick. Banks just add the FX fee commission onto their rates and call it FX fee free lol. I don't give much credit to...
28/11/2021 - 20:38
Followed your link. Went to the last page. 4 different reports of 72.06 from Coles MC. Which day did you do this spend on?
28/11/2021 - 20:33
??? The rate is the same as for transfers is it not? After $350 AUD for the month there are additional fees but that is separate from FX...
28/11/2021 - 20:17
I think it is a lot less to do with crypto (what's the relevance - you don't strictly need visa to visa transfers, it is visa to merchant...
28/11/2021 - 20:15
Revolut is a competitor. Which is better comes down to features and fees. I transfer USD to AUD several times a year and for my use case...
28/11/2021 - 20:04
Free ATM withdrawals is one part of the equation. The other is the rate + commission charged for FX. You'd need to do that analysis.
28/11/2021 - 20:02
I use them to receive USD wire transfers from eTrade in the US. Much lower fees than the HSBC borderless account I used prior.
28/11/2021 - 19:26
Intl withdrawal of funds that you can load in another currency (eg AUD) with much lower fees than banks
28/11/2021 - 19:17
Their offshore processing centre in India are unable to understand even the simplest of scenarios and will have you call repeatedly and...
29/10/2021 - 08:40
Not OP but I also booked yesterday and used a voucher which I'd lose.... not worth $50 to get 6 more ppd, but if there's no hit why not
10/10/2021 - 20:06
This, OP. My response to them would be something along the lines of: "With the financial position and excellent servicing capabilities that...
06/10/2021 - 09:33
That does not make them bad value. You are getting a ticket value many times that of a Y ticket for a handful of points. It's not perceived...
03/10/2021 - 13:54
OP, plenty of people get done by QF annually for this. Search for Qantas frequent flyer suspended and see for yourself. People post how...
03/10/2021 - 11:08
WTF? Where does this theory come from? Nothing at all wrong with using points for upgrade, it is excellent value, but can be difficult to...
03/10/2021 - 11:04
There's another AMEX card (Explorer) which is $400 towards travel (any airline, hotels included). But you've applied for the Qantas card...
22/09/2021 - 16:08
Yeah I had that yesterday, just tried again today and it worked first time.
20/09/2021 - 20:51
Because if this is a long-term trend (ie people have been burned by the post-sales support and given up) they won't even be worth 10.50...
27/04/2021 - 15:01
So the minimum account keeping fees are $14.85. You get 10,000 points with the minimum spend, so (in my valuation) ~ $110 in value (minus...
22/04/2021 - 21:45
~ $550 (at 1.1c per point), but others may value them differently. 1.1c is my maximum acquisition price for them to be worthwhile
22/04/2021 - 21:42
You're only 12 more calls from a 50% chance of approval based on my experience of the ANZ approval process
21/04/2021 - 21:40
No point relying on the caller ID - ANZ have a VOIP gateway in Melbourne that their global calls exit from - that's why the number you saw...
19/04/2021 - 17:21