Posts by Brandon Taylor2

Jesse Bailey91 said:Too much drama. You can just fill out the form with a pen in person.

The generated code is only good for 30 minutes.
Using the Aircash Chase ATM option compared to Western Union online only makes sense if you're moving up to $200. Here’s why. 🙂
When sending from the US, for amounts up to $100, the fee is $1.90, and for anything over $100, it's a flat $3.90. At least, that’s what the estimate shows on their website and app.
Trying to pay through an agent at a physical location is a total waste because the fees are extortionate.

Example:
If I’m sending $900 from the US to Germany online, I pay $903.90. If I go through an agent, I’m paying $938.00 because the fee for that amount jumps to $38. That is a massive difference.
If I use Aircash to withdraw from a Chase ATM, I’m paying $918.00 (which is 2% of the total).

Bottom line: The Western Union way works fine, but strictly online via their site. Forget about doing it at a physical branch unless you absolutely have no other choice.

Yeah, once the dollar became the standard, things changed. Before, they used a normal exchange rate on the web, then one day—for no reason at all—they switched it up. Suddenly, to send 500 dollars, you had to send it in local currency at their specific rate. The cost ended up being the same as going into a branch. It used to be you could just put 500 dollars in a foreign currency account and send 500 plus the $3.90 fee. Then they pulled that move where we could only send local currency, and the exchange rate went off the rails. I remember sending 900 once and they took nearly 60 on the rate. I didn't send more than that, obviously. Maybe they did that just to protect the brick-and-mortar branches here in America. Now that everything is standardized, they went back to the old way.

Now that we’re back using the dollar, things have reverted to how they were five or six years ago—when transfers cost next to nothing because nobody was messing with exchange rates. Once they brought in that rule where they calculate everything based on their own internal rate, I stopped sending a single cent through them. Honestly, who would? If you're trying to send something like $500 or $600 and they skim $30 or $40 off the top via the exchange rate, that's just a straight-up robbery. I bet people were actually mourning when the old currency left; now it feels like we just got handed the same old expensive fee structure all over again.

Hey, I need a scanner. Specifically, I want to scan batches of 20, 50, maybe even 100 small photos in just a few minutes. Right now, everything I’m seeing is sitting around $250 to $300. Is there anything actually affordable out there, or is that just the standard price range? I don't care if it's wireless or tethered—I just need it to handle those quick bursts without breaking the bank. Any suggestions?

ironcyclist58 said:You get $250 a month fee-free, then it’s a 2% cut after that.

Honestly, her Chase account is actually more profitable if I'm just hitting the ATM. It seems like Wise is only worth it if I'm doing transfers rather than pulling cash—basically just better than the Chase option. Is there any other solid system out there for cash withdrawals that beats this?

Quick question: how does Wise handle cash withdrawals at ATMs? What kind of limits are we talking about—is it $250 a day or something else?

I’ve got both Euro and USD accounts through Chase, and I pay the annual fee for both. $40 Basically, $1.75 since both my cards are set up in USD and EUR, there's no conversion fee when I pull money from PayPal into the respective account. But they hit me with a $5 fee every single time I withdraw from PayPal. Is Wise actually better if I just want physical cash? I know it wins on spending, but for ATM runs, does it beat Chase?