Posts by Jeffrey Moore6

I really shouldn't have sent over those documents; he was just asking about my typical usage for Warren Buffett. That should have been the end of it. I honestly can't wrap my head around why it's such a massive deal that they'd shut down my account if I don't get everything sorted by the deadline...

It really is just Gmail, and they have that specific email address on file. So, the email itself seems perfectly fine.
Nowadays, it feels like everyone is just looking for an excuse to scam someone... honestly, it's better to just let it go and not engage at all.

I don't understand why we haven't just sent over the documents already? Why do they keep nagging us about this...!

Has anyone else received an email from Warren Buffett with the subject line "WE need som info to keep Your account working"? It claims I have until March 1st to verify my identity by uploading my ID and explaining why I use PayPal...
To me, this smells like a textbook phishing attempt, so please be careful if you see something similar landing in your Gmail. First off, the deadline feels incredibly rushed, and the message goes out of its way to insist it isn't phishing 😁 by claiming the same notification is waiting for you in the app's inbox. But as far as I can tell, the app doesn't even have an inbox feature 😛...

Once you go to your USD balance and click "Add" to enter whatever amount you've decided on, that notification will pop right up.

I suppose you could always try walking into a local branch with the cash in hand. I haven't personally tested that approach myself...
It might be best to just head down to the bank in person or give them a quick call first; it doesn't cost anything to ask.
They’ll likely charge a fee for the transfer, but honestly, since payments within the EU have become much more affordable lately, it shouldn't be too much of a headache.
Keep us posted on how it goes.

amberheron22 said:I don't have one. One of the main reasons I'm looking into Wise is because they offer a free debit card without those annoying monthly fees. I'm aware of the basic accounts over at Chase, but I don't need a standard US bank account right now, and it makes zero sense to go through the hassle of opening and closing one just for this single transfer. Besides, the setup isn't nearly as seamless as they claim—even after you talk to someone and sign everything via the app, you still have to transfer funds from an existing account or physically walk into a branch to get it activated. Again, it’s just way too much unnecessary nonsense for a single Wise transfer.

That sounds like a solid plan, especially if it works with a virtual card, but how would you actually fund the Chime account? Don't they require the deposit to come from an existing account held under the same name?

Of course they do, 😁 but there are actually several workarounds:
1. You could have someone else who uses Chime send you a transfer. (Works with any currency)
2. Someone else could send you a wire transfer (USD via domestic or international transfer)
3. You could head down to a local bank and request a wire transfer (ACH) or try to deposit cash manually. (I haven't personally tested this one though)

They only insist on the PayPal card being in your name, so once that's settled, you can eventually swap in a TW card for the TopUp process.

I've experimented with all of these myself... and honestly, the only way that consistently worked for me was using Apple Pay for the TopUp, which then lets me use TW and a few other options.

My whole goal is really just to distance myself from all the traditional local banks... 😛 But it certainly isn't easy. 🙄
So, feel free to try and piece together a combination that works for you.

Edit: I just remembered a few more details, so I've added them here.
I couldn't manage to move my USD via standard online banking because their system doesn't recognize the Chime Routing Number for those types of transfers...

It’s honestly such a headache trying to get cash onto those fintech apps... sometimes it feels nearly impossible.
I’ve been using Chime as my secondary account, which works out pretty well for me. I just loaded about $20 using my Chime card, and from there, everything else just flows through T-Mobile via standard transfers or by simply using the T-Mobile card for daily spending.

Alexander Watson9 said:Hey everyone, I’m pretty much a total newbie when it comes to all these online banking setups, so please bear with me if my questions seem a bit basic—I honestly just appreciate any guidance you can offer.

The account where I actually earn my income is based over in Canada. And honestly, don't even get me started on Canadian banks; you'd probably be just as relieved to be dealing with American banks instead, because those Canadian places actually charge you a fee just for withdrawing your own damn money from an ATM once you hit a tiny little limit, like maybe $550 a month.

So, to avoid letting them sit on my cash for too long, I decided to open a Wise account. But after digging through all the fine print, it seems like almost everything costs something—top-ups have fees, and even converting money from my Canadian account into a Wise EUR or USD sub-account hits me with extra charges.
Now I've stumbled upon this thread saying Revolut doesn't work quite like that, so I'm wondering, should I just bite the bullet and open a Revolut account too?

The second thing is, does anyone know if there's some kind of list or way to find ATMs where I can use my Wise card to pull out cash without getting slapped with a fee? For instance, I'm heading to Italy soon and I'd want to grab maybe $220 worth of cash (in Euros, obviously), but how am I supposed to know which specific ATM in Italy will let me do that for free?

Thirdly, since I have to keep funds in my main American account at JPMorgan Chase because that's where my monthly loan payments are automatically pulled from, what would be the cheapest way to manage this whole mess? Would it make sense to set up Revolut with my JPMorgan Chase account as the primary one, then move money from Wise to Revolut, and finally from Revolut back to my main American account to cover the loan? Is that even a viable workflow?

Thanks so much in advance for the help. And hey, if anyone's looking to sign up for Revolut using a referral link, feel free to send one my way.

You can actually find the list of fee-free ATMs for Revolut right here: http://bit.ly/thefreeATMlist

As for your other question, you might want to check with someone who has more hands-on experience managing both JP Morgan Chase and Revolut...
Since Revolut tends to offer much better conversion rates, you really have to sit down and crunch the numbers to see if it makes more sense to transfer the funds to Revolut first, convert them there, and then move them over to JP Morgan Chase...