Exactly what I was thinking of when I posted.It’s like the share market. No one rings a bell at the top or the bottom!
I think the easiest way to think about it is if you're happy with the rate, then exchange (or set an auto exchange). Whether it goes up more or not, you already hit your target goal.Exactly what I was thinking of when I posted.Used to trade often in the SMSF but those days are gone.
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It's not a real email (well, I don't think it is). Just Wise give you something that looks like an email, so something like@oz_mark Thanks also for the Payid email tip. I'll set that up today as long as I can keep that email unique.
I think the email that is being referred to is the PayID that Wise has registered in the PayID system for payment via PayID. It is not used for emails. When you choose to pay for currency by PayID they provide (on screen) their payment address (the PayID) which is an email address associated with your account. It is used in the PayID system of the paying bank to identify and confirm the payee and is a substitute for an account number, which remains confidential. Be aware that most banks delay the first payment to Wise through PayID for up to 48 hours as a security precaution. Once the first payment is processed, thereafter it is almost instantaneously received by Wise.@oz_mark Thanks also for the Payid email tip. I'll set that up today as long as I can keep that email unique.
Separate jars won’t prevent fraud. If your preferred jar doesn't have enough funds, it will take it out of the next currency, that has the most money in it. The best way to stop fraud is to go into settings and restrict the amount of money you can spend per day either tap and go or from an ATM.Some really good advice above. I did not know you could set up a separate Jar in numerous currencies to quarantine funds in case of card loss or misuse. I'll have to investigate how to do that before we head to Japan in September. Thanks.
I send money to Wise from CBA and HSBC using the BSB & Account number that is attached to my Wise account and it is usually credited instantaneously; occasionally there is a couple of minutes delay but never longer than thatNote:
- Since Wise changed its banking setup to the new BSB last year, Osko payments into Wise from other financial institutions are no longer possible. This change requires me to keep more AUD in Wise than I would prefer.
My experience is that the new WIse BSB takes time. The old Cuscal BSB was fast.I send money to Wise from CBA and HSBC using the BSB & Account number that is attached to my Wise account and it is usually credited instantaneously; occasionally there is a couple of minutes delay but never longer than that
Well it's not a cheque nor credit card so......If I don't know, I always select Savings on whichever card I'm using and most times it works.
Well it's not a cheque nor credit card so......
Some country ATMs default to Cheque! I still have NAB card link to an additional account with “Cheque” facility. There was a time I couldn’t get cash out in the UK… That seems to have changed and my ING and UBank cards work fine (NAB removed free OS ATM access a few years ago, so that other card is redundant now…).Well it's not a cheque nor credit card so......
I carry around a piece of paper in my travel wallet where I wrote, when I first received my Wise card 6 or 7 years ago - "use credit for ATM withdrawals with M/C, Visa and Cirrus". I cannot find it on the website now but that was the instruction at the time. Once you have actually logged into your Wise account, under "Card" the fees and daily limits are explained related to the country of issue of the Wise card. For clarity log into your account and do an on-line query (Help) and they usually respond with 24 hours. Help is in the pull down menu under your account name - where you log out.A friend is going abroad and is new to Wise. I haven’t had cash in my wallet for years and don’t draw cash out when overseas … as a rule
She was wondering whether one selects Cheque, Savings or Credit when prompted at an ATM when withdrawing cash
I thought Wise used to provide advice on this but I can’t find it in the ‘Help’ pages (but it may have been just in relation to purchases)
if you have a credit card associated with a card as well as a savings account (like I have with ANZ) then that means drawing cash out of the credit account for me and not the savings.I carry around a piece of paper in my travel wallet where I wrote, when I first received my Wise card 6 or 7 years ago - "use credit for ATM withdrawals with M/C, Visa and Cirrus". I cannot find it on the website now but that was the instruction at the time. Once you have actually logged into your Wise account, under "Card" the fees and daily limits are explained related to the country of issue of the Wise card. For clarity log into your account and do an on-line query (Help) and they usually respond with 24 hours. Help is in the pull down menu under your account name - where you log out.
Yes, but my response is about the Wise debit card. Bank issued cards use the credit / savings to access the credit /savings account. The Wise card only has the debit option using your own funds. I understood that using the credit or savings options on a bank issued card also resulted in different interbank fees for the bank, depending on the option selected.if you have a credit card associated with a card as well as a savings account (like I have with ANZ) then that means drawing cash out of the credit account for me and not the savings.
Yes. True that. But was thinking this isn't a general rule.Yes, but my response is about the Wise debit card. Bank issued cards use the credit / savings to access the credit /savings account. The Wise card only has the debit option using your own funds. I understood that using the credit or savings options on a bank issued card also resulted in different interbank fees for the bank, depending on the option selected.