"Zero transfer fees" sa pagpapadala sa online accounts o e-wallet, isinusulong ng BSP

4 days ago

Itinutulak ng Bangko Sentral na gawing libre ang transfer fee o singil sa pagpapadala ng pera sa ibang account o e-wallet. Para iwas hacking o scamming, pinag-aaralan din ang dagdag-proteksyon higit sa OTP.

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Transcript

00:00The Central Bank is pushing for a free transfer fee to send money to other accounts or e-wallets to avoid hacking or scamming.

00:12They are also looking for additional protection from the OTP.

00:16Darlene Kahn is on the case.

00:22Queenie almost doesn't send cash anymore, so she gives up on online banking and e-wallets.

00:27It's scary to hold a bank account. Online banking is more secure.

00:31For example, we'll eat, you'll go abroad, you'll be able to use it.

00:35And payment bills.

00:38There's also less chance of losing cash.

00:40The case is, in terms of transfer fees, if you send money to other accounts or e-wallets,

00:46P100 per week is already low.

00:49That's a big thing, especially if you're a commuter. You just need to massage it. It's legal, right?

00:54That's why the Central Bank approved a zero-transfer fee for interbank transactions.

01:01That's from P8 to P75 if it's instapay, or P8 to P600 if it's PesoNet.

01:08That's a favor. The transfer fee now is P10 for both banks.

01:12For other banks, depending on the banks, it's P25.

01:16Even businesses that use online banking, like this one, can save money.

01:20It's practical. Our transfer fee will be added to the salary of our employees.

01:29In 2024, the Central Bank will issue a draft circular.

01:34But it's just like personal transactions or electronic fund transfers that didn't pass 10 times in a week.

01:41Or micro-merchants or small businesses that didn't pass 250,000 Pesos per month.

01:47The draft circular is the first step to get the sense of both demand side and supply side.

01:54On the supply side, there are supporters, but there are also those who expressed that it will affect their business.

02:01And also another large number said, provide us a soft landing.

02:05For now, some banks are asking for fees that need to be consulted with the Monetary Board.

02:11Within the year.

02:12If ever within the year, it's a policy.

02:15And then maybe we'll provide for a reasonable transitory provision.

02:21Like what?

02:22Two years though, so that they could adapt.

02:25The GSP is also studying how to find a safer way to ensure that the transactions are legit.

02:31Aside from that, the OTP or one-time passwords or the numbers will be sent to you to confirm the transaction.

02:38But for now, Roniel is already used to the OTP in using it in their work where more people are using an account.

02:45It's hard for him if only one can access it, like the fingerprint or facial recognition.

02:50Like what you said, we have a lot of contacts.

02:52For us, it's harder to transfer.

02:59Unlike the OTP, if it comes from our boss, they can send it to us.

03:06It's really easier.

03:08According to Banco Central, it depends on the bank and its system.

03:11For others, it can be the OTP.

03:13But maybe it should be more high-tech than others, like digital banks.

03:17For GMA Integrated News, Darlene Cai, Nakatutok, 24 Hours.

"Zero transfer fees" sa pagpapadala sa online accounts o e-wallet, isinusulong ng BSP | 24 Oras

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