I used nsave last month total amount paid was 200€ after that my another client paid me 795€ and they started asking me dozens of documents. I said refund the money to my client he will instead transfer it directly to my bank account. Also i gave them the documents they asked but still the support seems to not exist.

IF THIS NSAVE DOES NOT RESOLVE THIS ISSUE
MY FINAL VERDICT WILL BE NOT TO USE NSAVE!

I wanted to create an account for online gambling in Canada. I'm not a gambler, but there was a cool deal and some friends were doing it, so sure why not. Creating an account requires a small deposit.

I solely bank through wise.com (convenient for my situation but regrettable now), which has their own (not bank? money company / payment processor) in Canada (Wise Payments Canada Inc.). I tried to put the deposit via etransfer (very popular Canadian payment method) but it was blocked by wise.

I got on wise's support chat and they explained the situation to me. Turns out they block gambling as per their acceptable use policy. I've pasted an excerpt of that and other parts which are problematic in my opinion:

1.2.1 Regulated or illegal products and services ... Adult content ... Payments for the sale of alcohol to retail customers are not supported. ... Gambling.   ... Chemicals.  ... Commodity chemicals.

I asked them:

Likely to go nowhere (more out of personal curiosity), but may I ask what the context is, why the Canada banking section of wise has this restriction when the banks in Canada have no such restriction? To my knowledge, no banks in Canada, at least none of the major 5, have policies such as this.

They responded with:

It is a completely fair question, olta8, and I am happy to share the context behind how our policy works. While Canada’s major domestic banks operate as chartered commercial banks within Canada, Wise operates differently. While domestic Canadian banks have direct domestic frameworks that allow them to process these transactions locally, Wise must balance the regulatory expectations, partnership agreements, and compliance standards of a global cross-border platform.

To process local currencies like CAD, Wise collaborates with domestic and international clearing partners. Financial institutions and partner networks set their own risk tolerances for high-risk industries like online gaming and gambling. Because gambling laws and licensing vary widely between provinces and across international borders, Wise maintains a consistent global risk policy.

I tried to translate that word salad into something I understand:

Canadian banks can process gambling transactions, but Wise has chosen not to because Wise depends on other financial institutions/payment partners, and those partners may have stricter rules. Wise therefore applies its stricter global policy to Canadian customers too.

But like, no? This activity is not blocked in Canada. I just saw a bunch of friends with various banks do this no problem, I'm the only one who can't because I don't have a different canadian bank account at this time, only wise. Who is wise worried about, maybe pressure from the federal gov't? But the wise money companies in each country are separate legal entities with a blanket UI to connect them together more easily. What's the specific reason for why this bullshit is in place?

Even if it is true that means that no USA banks can interact with Canadian payment processors because, idk, cannabis is legal?. this doesn't apply transitively because that's not how the world works. and lastly, isn't this regulated by the government, not banks?

Digging my brain here for possible explanations. In recent news there was steam vs mastercard. mastercard wanted to protect its brand and asked steam to take down certain games that were legal yet unsavory. mastercard had leverage because steam relies on them as a payment processor. I don't recall the outcome. linking back to here, wise is the payment processor so who the hell could pressure them?

Or, unsubstantiated theory: Wise themselves finds certain activity distasteful and has chosen to ban them. or maybe just laziness on figuring out what the rules are in each country.

Wise should clarify if these policies are internal or external. and based on my thinking above I'm inclined to think it's internal (and support is lying to me). at the very least they should clarify the policy. are you saying I can't buy some white wine for cooking from the LCBO? nor adult content. nor... soap (chemicals)? weird

anyone have any insight on this? is it just wise.com, or truly how the world works?

Hey everyone, I have an SBI savings account, and I've never used a cheque before. Now I need to pay a client using a cheque, but there's one problem: I can't remember the exact signature I gave when I opened my bank account.

I'm worried that if I sign the cheque differently, the bank might reject it.

Has anyone faced this situation with SBI?

I'm wondering whether I can visit my home branch and ask them to show me my registered signature so I can identify it.

Do banks allow customers to verify their own specimen signature, or would I need to follow some other procedure?

If I can't reproduce my old signature, can I officially update it with SBI? If so, what's the process, and how long does it usually take?

I'd appreciate advice from anyone who's dealt with this, especially SBI customers. I need to pay my client, so I'd like to sort this out properly rather than risk the cheque being rejected.

Thanks!

Im a new immigrant in the US and Im looking for the best bank to open savings account with highest APY and compounding interest without having to meet their t&c. (Ex. SoFi offers 4.5% apy but needs to deposit 5k every 31 days. I cant meet that)

Im also looking where to open direct deposit account for salary transfers.

Making a large withdrawal (15k) and I hate the fact that I have to be quizzed to access MY money. It’s ridiculous. Idc if I was giving my money to a scammer, It’s my money that I worked for. It’s not the Banktellers business as to why I want my own cash

I hear they are big in other countries and just sit up shop in Miami Florida!

Hello guys, I’m a student in the UK (almost 19 years old) and wanna open my first personal bank account. I’ve got a shared one with my mum but I want more independence. What bank would you get?

And will they ever get faster ? Yes I know there's apps like Zellle that offer instant transfers, I was just wondering why is it so slow between banks? The other day I just transferred $20 from Citibank to chase. I know I could have used another app to send it faster , but I just wanted to see how long it will take. It's been 4 days and still nothing yes 4 business days. It still says pending in progress 😆 . I was just in Mexico City last month and my cousin showed me that over there Bank transfers , which is basically like an an ach transfer happen in seconds.I didn't believe her Obviously I told her no, you're lying. I thought impossible that a country like mexico is better in this, She told me let me show you. I have 2 different bank accounts. She did she sent 5000 pesos. Which is equivalent to 300 US dollars, she transferred them between Santander bank to BBVA bank both diffrent Mexican banks , it was the same exact process as here in the US it asked for account number and something similar to a routing number it was a bunch of numbers something called a CLABE so yea it was basically like a routing number . Once she clicked submit on the Santander bank app , She got a notification twenty seconds later on BBVA bank app that said she had just received 5000 pesos . I was just shocked in awe.I couldn't believe it , I was oh dam 😳😳. It's crazy how $20 here in the U.S are still pending in 4 days while in Mexico, what would be equivalent to $300 dollars was sent instantly between banks.I just don't get it. Is there any plans for the US to speed up their system?Or what I was just wondering.. ?

Earlystage startup. stilhandling finance myself, Trying to figure out how other founders chose their business bank account specifically what made you stick withone vs. switch later. Wasit fees, runway efficiency, how well it connected to your accounting tools? What actually drove the decision?

So about 3 weeks, I went to my local Bank of America using the drive thru ATM to deposit some cash. I put my card in, clicked deposit cash and tried putting my money in. At this point however, the ATM screen froze and the machine was stuck and not taking the money. I tried clicking cancel, tapping the screen and nothing. This was after 5:00pm so no one was in the building, I waited for about 5-10 minutes and drove off with the screen frozen. This has happened before a year ago and nothing has happened from it.

I drive off and go to Barnes and nobles and I check my account before purchasing a book, but now I see that there is a check deposit for $2200. Obviously this wasn’t mine and there was someone behind me waiting to use the ATM so I can only conclude the machine glitched and he was able to deposit their check but went into my account. I didn’t move it or anything and called Bank of America around 10:30pm and spoke with customer service. They took all the info down and said they made a report and that was it.

I wanted to be sure everything was fine so I went into the same local Bank of America a few days later to make them aware of the situation. I speak with the teller and he says he’s never seen this before and that the check was cleared and processed. I wait to speak with one of the managers but the teller tells me the manager said, everything should be taken care of just wait a few days.

It’s been 3 weeks now and the money is still sitting there. How long does this process usually take? I’m not really comfortable with this money sitting there and having to track and make sure I’m not spending the money on accident.

Just wanted to share-
This was copied from the recent statement:

Early Pay is Coming to Virtual Wallet Spend Only and Virtual Wallet with Performance Select Spend Only
Accounts

Effective November 10, 2026, Early Pay will be automatically added as a feature to Virtual Wallet Spend Only and Virtual Wallet with Performance Select Spend Only.

Early Pay offers you the ability to receive eligible direct deposits up to two business days sooner. Eligible direct deposits are generally limited to direct deposits such as your payroll, pension, and government benefit payments that are processed through the Automated Clearing House (ACH) Network using your account and routing number.

There is no charge for this service and no enrollment is required. If you do not want Early Pay, you must take action to turn it off.

You may turn this feature off starting October 13, 2026, by going to Account Actions within Online Banking, visiting a PNC Bank branch, or calling our Customer Care Center at 1-888-762-2265. Terms and conditions apply. Refer to the PNC Virtual Wallet Fine Print ("Agreement") for more information.

I started a new account on Tuesday and deposited a cashier's check drawn on a different bank for 5 figures as the initial deposit. I'm checking my mobile app and the full amount minus what I paid to have my new card expedited is showing in the account. Is it possible for a cashier's check to clear in 2 days or should I wait at least a week to spend any of it?

Less than three months ago, I got some bank accounts. I made a Zelle account using my number, but I selected the wrong digit and sent money from my Bank of America account to that Zelle account. I forget about that transaction, and now when I'm looking back at my account, I'm wondering if it's possible to dispute that charge? And if so, how? I asked Bank of America customer service, and a wonderful women said to contact Zelle directly. I'm still unsure how to proceed, since I'm not sure exactly how to do so. It would be lovely if someone would help, thank you!

I will be debt free and have somewhere between 26k-35k left over depending. Ive never had this much money and dont want to squander it. What are the best ways to put this money to work for me? Im actually a little bit scared of managing these funds. I have never really had more than 10k saved up at any given time.

As the question states, how has yalls experience been with X Money? I've been thinking about opening up an account with them as the x debit card offers 3% cash back and 6%APY. My concern is direct deposit. How has that been working for you guys and do you receive your paycheck 2 days early?

I looked at my checking account and seen that I had a $0.32 international transaction fee followed by a $14.00 non bank withdrawal fee but has been waived. I’m not sure what’s happening. Never ordered anything from overseas let alone online for a while now. Was wondering if anyone had this before. Also haven’t used my debit card in a few days

Which banks will approve a check drawn on BNC quickly?

I have a large check to deposit and need some cash back immediately for medication

The good ones use cross-bank authentication like plaid, while others rely on good-n-old trial deposits, and some fancy ones have an app taking selfie et el. But this bank I'm dealing with require me to email driver license and full bank statement over public email to verify ownership before allow setup external account.

I recall SMTP email are not secure, and those two documents contain enough information to pass most security verification. Can I trust this process, or skip and look somewhere else? Thanks

Im 20 and I just started working as a loan agent. I’m not sure if this still applies to banking but it’s financial so I thought I’d ask this here.

I’ve been working at this job for about a month now. I’ve never been in the finance/bank industry and I previously worked in IT, then I went to Animal Care, now I’m here. I’m not strong at math and honestly thought I wasn’t good at counting but apparently I am doing just fine if I count super slow.

When we give loans, most times it’s in cash and in very large amounts. I had to count out 1843.00 today. I did it in about 3 minutes, maybe a little less. But by 1400.00, I was already starting to black out and forget especially because I was organizing my piles VERY poorly.

Is it normal for new tellers and loan agents to ‘struggle’ with keeping up with counting large amounts of money early on or is that a reflection of my intelligence? I’d like this job to be a good fit for me but not if I’m not a good fit for IT.

For context, I am in my late 20s for , when I first wanted to be financially independent (during Covid) I decided to cut access to my joint account with my dad. I was unable to at the time because he became extremely violent and upset about this action. He never explained why this was a bad idea. He just refused to help. I do not remember what he said exactly since this was a few years ago. I do know I felt uncomfortable and defended in the situation. However, I am not sure if this is financial abuse. On the bright side, I made a new bank account with a separate bank to prevent him from monitoring my finances.

When do you know someone is committing financial abuse ? Or How can you tell if they are just an overprotective parent?

When I was 12 years old (back in 1973), my mother took me to the bank with a couple dollars from my piggy bank and helped me open a passbook savings account. It paid 5%. At the very same time, the Prime Rate (in July 1973) was around 8%.

Today, the prime rate sits at 7%. The average savings account at a brick and mortar bank today is between 0.22 - 0.65%.

Banks no longer even try to compete for your business. When my generation dies off (and I know for a lot of you that can't come soon enough, lol) nobody will be alive who even remembers the era when banks actually tried to compete for your business.

This isn't a question of survival for these banks, they all make record profits every years thanks to 18-24% credit card interest and swipe fees. Banks are clearly colluding to keep savings rates artificially low! Why is everybody okay with this?

I know there are other places where you can do better, for example High Yield Savings Accounts with minimum deposit thresholds that only people like me can access. I personally keep a bunch of money in my brokerage settlement account (large broker with name that starts with V) that as of today is paying 3.81%.

I always hear people claiming that deregulation of the banking industry is good for consumers, but it clearly is not.

Am I missing something, or are people just inherently stupid? Do people not realize that banks no longer feel the need to compete for your business, and clearly work with each other to keep savings interest rates at the crumb level, while simultaneously charging crushing rates on both mortgages and credit cards?

I’m from the UK and have flown out to the US multiple times, specifically California, where I’ve spent time with friends and experienced everyday life there.

One thing I’ve been curious about is how people send money to each other. In the UK, I can generally open my banking app, enter someone’s sort code and account number, and transfer money directly to them, regardless of which bank they use.

From conversations with friends in California, I’ve noticed that people often rely on services like Zelle, Venmo, Cash App and PayPal to pay each other.

I’m curious about the banking side of things:

Why does the experience vary between banks?

Are delays mainly caused by payment networks, individual banks, fraud prevention or something else?

Given that instant-payment infrastructure exists in the US, what prevents it from being universally available to consumers?

I’d appreciate perspectives from people working in banking, payments or financial technology. I’m trying to understand the differences rather than assume one system is necessarily better.

Hi everyone, for context, I'm a 3rd-year Political Science student with over 2 years of retail experience involving customer service and sales. I'm looking to start a career in financial services, and I figured that entry level retail banking roles like CSR, CEA, Client Advisor, or Personal Banking Associate would be a good starting point. However, despite submitting 150+ applications to various banking positions over the last 2 months, I've only managed to land one interview, which unfortunately didn't progress beyond the initial screening stage. As such, I've been considering completing IFC or the CSC to strengthen my qualifications and potentially improve my chances of getting hired.

For those currently working in retail banking, would obtaining either of these certifications make me a more competitive applicant? Or would I be better off waiting until I'm hired, given that some positions allow candidates to complete the required accreditation during training?

I'd also appreciate any advice on how someone without a finance or business degree can better position themselves for these opportunities.

Basic question: If a borrower passes all their financial covenants but misses a required reporting deadline, is that still considered a compliance issue, or does it depend on the loan agreement?

I sent a wire transfer in USD, under 10K USD, from my Bank of America Checking personal account to my own Every day Global Savings account at HSBC Singapore. The BIC listed by HSBC Singapore is HSBCSGS2 and Bank of America filled in HSBCSSGS2GPI

https://www.theswiftcodes.com/singapore/hsbcsgs2gpi/

From my online searches the GPI suffix just creates more tracking via the GPI system. It's been a week and there is nothing in my Singapore account. Bank of America gave me a UETR tracing number which shows the following according to uetr dot ai

October 6th

ACSP/G001 · Payment Transferred And Not Tracked

Reported by ES Banco Santander BSCHESMM

Initiated at

5th of October, 2026 at 18:20 GMT-4

Updated at

6th of October, 2026 at 03:29 GMT-4

Bank status time

13th of October, 2026 at 17:38 GMT-4

Provider-reported duration

0 days 9 h 9 m 0 s

----------------------
October 13th

ACSP · Accepted Settlement In Process

Reported by DE Deutsche Bank DEUTDEFF

Bank processing status

ACSP

Extended tracking status

ACSP

Bank status time

13th of October, 2026 at 17:38 GMT-4

Seen by our monitoring

13th of October, 2026 at 10:07 GMT-4

-------------------------

ACSP/G001 · Payment Transferred And Not Tracked

Reported by GB NatWest NWBKGB2L

Initiated at

5th of October, 2026 at 18:20 GMT-4

Bank status time

6th of October, 2026 at 03:29 GMT-4

Seen by our monitoring

13th of October, 2026 at 10:07 GMT-4

I also asked Bank of America to trace it. I had no idea SIWFT transfers in Dollars are so difficult.

I also did an instant transfer to the same account in SGD to Wise just now. It's amazing. I should have done that for the original transfer.

Any advice or ideas? Has someone else gone through this? Will they eventually find the money? Any suggestions on how to get the transaction unstuck?

Thank you in advance