Philippine banking system can really be frustrating after I've already experienced the South Korean one. I won't get started on the list but here is the latest thing I'll be going through as I restart my Ph online banking.
Brief background: I already have an account and an internet banking set up before I left almost two years ago. Well, it's mostly my husband who does the online banking at that time so I'm not that familiar with the details except for other part of actually opening the account, getting the card, and activating it on the atms. It's a little bit roundabout still.
As far as I can remember, the steps we had to do went like this:
1. Apply for the online banking on the website. I think we still have to print something to take to the branch at that time.
2. Wait for the email for activation code.
3. Then activate the online banking using the code with the card on any atm.
This time, I'll be doing it all on my own, remotely. Meaning, I don't have to visit any branch or atms at all since there's really no official branch in ROK. They do have a representative office of sorts since 2010 based from what I found on their website.
So for my future reference or anyone who might stumble into this, I'll try to write what I'll be doing to accomplish re-activating my internet banking.
(Note: No transaction for 23 months, still less than 2 years before the account to be dormant so I have to hurry up.)
Jan. 4 - Inquired online thru the customer service email about reactivating online banking when I forgot my username and password.
Jan. 5 - Got an email reply to jump thru the hoops online to recover (username and password recovery buttons) to no avail. No mail from the website that got thru any of my inboxes.
Last resort, I had to call the Int'l Toll Free no. 001 (for Korea, KT users only) - 800- 8631 - 8000. The agent asked for some other account details like address, last registered contact no., and transaction but I can't recall much so she recommended to delete the previous online banking account and just apply for a new one. The catch is, I can do so after two days! What gives!
So I had to ask how will the procedure be like after she submitted the application to delete the previous internet account.
1. Apply on the website after two days. (She's pretty vague why it would take two days. Beats the heck out of me, really!)
2. Wait another two working days to receive a confirmation call (since I'm overseas).
3. Then, wait for another email withing 5 w. days for the final confirmation to be able to access the online banking.
With this initial info, I'm looking at at least a week before I get to log in the online-banking.
Now, I don't want to compare much with the Korean online banking but the time it takes is sure loong. When I opened an online banking feature here, it was already an option when I applied for the offline account first time, along with the phone banking features. I had to do extra paper work onsite, then took home a sheet with my initial log in details to use online. The thing is they still got an extra downloading stuff needed for the online bank certificate to be installed on my pc or mobile phone for that matter. But I think they will do away with that soon. Anyway, all of it were just one time in-person at the branch, a few more minutes online (and maybe extra customer service via phone to walk me through the system as mostly can be in Korean and can be really frustrating as well) and I get to log in my bank account within a day. No waiting games, no calling and confirming whatnots.
This has been another pretty long entry, I guess.
Now, I'm back to waiting.
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