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CortezBlue
Super Nomad
Posts: 2213
Registered: 11-14-2006
Location: Fenix/San Phelipe
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The best Mexican bank for Gingos to pay bills online?
Curious if any of the mexican banks have an english on line banking system to pay electric, gas etc?
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sylens
Senior Nomad
Posts: 584
Registered: 4-6-2005
Location: Ensenada
Member Is Offline
Mood: ando bajando
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banks and paying bills
electric and water bills are paid in many locations including most pharmacies and supermarkets. cash only--no checks or credit cards. telnor can be
paid at some banks. but you have to wait in (usually) long lines to do so. telnor is best paid online (imho) at their own website, but this has to
be prearranged at a telnor office.
mexican banks are unbelievably user-unfriendly in my experience. even trying to open a checking account took several visits and required interacting
with a sullen "official" who seemed loathe to accept our money. (opened account for fm3 purposes--costs 50 pesos/month. cannot find any savings
accounts or interest-bearing checking accounts like we were used to on the other side.) banking, and all business dealings for that matter, are
definitely the downside of living in paradise
lili
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Bob and Susan
Elite Nomad
Posts: 8813
Registered: 8-20-2003
Location: Mulege BCS on the BAY
Member Is Offline
Mood: Full Time Residents
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citibank USA is associated to banamex MEXICO
retirement checks are direct deposit to citibank USA
savings and checking and bill paying over the internet using citibank (easy)
transfer money to banamex (dollar account) when necessary
withdraw pesos in MEXICO
took one day to open a banamex account
citibank USA was a little harder....
[Edited on 1-1-2007 by Bob and Susan]
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Phil S
Super Nomad
Posts: 1205
Registered: 10-28-2003
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Mood: After 34 years. Still in love w/ my wife
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Do you have a Bancomer near you? Don't know where your "Mexican Home" is located. I've had a dollar account with Bancomer for many years. I collect
interest on my money. I have an identification card that allows me to withdraw pesos from any branch in Baja. If I chose to do so, I could also use
this card for withdrawing funds from the ATM. Having stopped at many BAncomer branches throughout Baja (Norte & Sur) I experience LONG lines?????
Even the towns that have other banks besides Bancomer.?? Anyone know any of the branch managers well enough to have talked about this with them?
Perhaps this is typical of Mexican culture that long lines are the norm, rather than the non-norm.?????
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Don Alley
Super Nomad
Posts: 1997
Registered: 12-4-2003
Location: Loreto
Member Is Offline
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| Quote: | Originally posted by Phil S
Do you have a Bancomer near you? Don't know where your "Mexican Home" is located. I've had a dollar account with Bancomer for many years. I collect
interest on my money. I have an identification card that allows me to withdraw pesos from any branch in Baja. If I chose to do so, I could also use
this card for withdrawing funds from the ATM. Having stopped at many BAncomer branches throughout Baja (Norte & Sur) I experience LONG lines?????
Even the towns that have other banks besides Bancomer.?? Anyone know any of the branch managers well enough to have talked about this with them?
Perhaps this is typical of Mexican culture that long lines are the norm, rather than the non-norm.????? |
A couple of years ago the then local Loreto Bancomer manager (Valerio Davis) spoke to a group of gringos at the University.
He was very concerned about the long lines. He said they were considering some plans to address the problem. Almost ALL of the people in line were not
Bancomer customers, he claimed; they were there to cash checks, get change, whatever, but the bank made no profit from their visits, yet has to hire
staff to serve them. The result is not enough staff for all the people wanting service.
So they planned ways of prioritizing, and now that the bank is being remodeled there is one change: those with accounts at the bank get their own
line, and so far it looks like a short line, if any.
Now, having said all that, there are still many procedural bottlenecks that slow things down. And IMO there is often a lack of attention to detail,
like filling the cash machines.
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bajabound2005
Ultra Nomad
Posts: 2760
Registered: 10-15-2005
Location: Punta Banda, BCN
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Mood: words cannot describe...
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What's a gingo?
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bancoduo
Banned
Posts: 1003
Registered: 10-3-2005
Location: el carcel publico mazatlan sin.
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I think its an Australian dog.
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backninedan
Senior Nomad
Posts: 865
Registered: 3-8-2003
Location: Loreto
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Gingo is a cross between a gheko and bingo. You put small lizards on your numbers. Very popular in Mexican nursing homes.
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Dave
Elite Nomad
Posts: 6005
Registered: 11-5-2002
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Kidding, right?
| Quote: | Originally posted by CortezBlue
Curious if any of the mexican banks have an english on line banking system to pay electric, gas etc? |
You'll be lucky if you can find a Mexican bank who won't churn up your deposits in "hidden" fees or clerical errors. 
Get this:
I am required to connect my corporate account "on line" with Hacienda to pay taxes. My bank charges for this privilege. 
Your utility bills are not on line. Fact is, you'll be lucky to receive a bill. But don't think this will relieve you of the responsibility of
paying...Like an electric company representative once told me, "It's not our responsibility to give you the bill, just your responsibility to pay it."
And one more thing:
Utility companies routinely change billing cycles, without written notice.
Welcome to Mexico.
[Edited on 1-1-2007 by Dave]
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sylens
Senior Nomad
Posts: 584
Registered: 4-6-2005
Location: Ensenada
Member Is Offline
Mood: ando bajando
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so glad
we don't do any business in mexico except the absolutely minimum necessary--paying property taxes. the times we have had to deal with accountants,
notaria, attorneys, were horrifically complicated and stress producing. and i know the culture and language, having been born and partly raised in
mexico. i just got spoiled living in the good ol' usa for most of my life
dave, you got it exactly right. utility companies accept no responsibiolity whatsoever for failing to deliver bills. on an unrelated note, when we
first got telnor service, we were listed in the next phone book. but the one after that, our residential listing had disappeared. i called telnor
and was advised it was the responsibility of the phone book publisher. when i called the publisher...you guessed it. they blamed the phone company.
meanwhile, i've decided it's much better not to be listed. don't get any scam contest calls anymore
as is said, price you pay for living in paradise
lili
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Skipjack Joe
Elite Nomad
Posts: 8084
Registered: 7-12-2004
Location: Bahia Asuncion
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That neo conservative: Newt Gingo?
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Don Alley
Super Nomad
Posts: 1997
Registered: 12-4-2003
Location: Loreto
Member Is Offline
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The Telmex people in Constitucion said I could pay online on their web site. But when I tried to register, I needed two numbers: one off my first
bill, and one from the next bill. ?! What? And even to get that far on their site I needed to try three web browsers.
So I had to wait for another bill. Then, with both numbers entered....zip. No go.
Electric? They stick a bill in the door.
Water? Pay when you remember. No cutoffs. But last year a new penalty was levied, I think it was 2000 pesos worth, for late payment. If they charge
the locals that for late paying, they'd just walk out and not pay anything.
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bajabound2005
Ultra Nomad
Posts: 2760
Registered: 10-15-2005
Location: Punta Banda, BCN
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Mood: words cannot describe...
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If you're not here full time the best thing to do is HIRE someone that takes care of those bills. Yes, we found our electric bill stuffed inside the
door; as for water we are on our own; pila - must call. Phone, we'll see what happens. Just moved in here and never have had a phone before (oh,
we're Telnor).
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tim40
Senior Nomad
Posts: 574
Registered: 3-29-2004
Location: Manhattan Beach
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Mood: There yet?
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Now that we have a current need, I am looking for an update please. We will be living in Mexico (too far for routine commutes to U.S.) and needing
to pay bill both in the US and in Mexico. In a perfect world one of the banks that have branches in US and Mex would allow us to conduct all from
one account without any expense for paying, transferring, or withdrawing (counter or atm); any such thing? If not, who is the best: service and
expense wise?
Spent several hours last night on several banks that suggest they offer this service, but if their websites are any indication....help me please.
When searching for the end of your rainbow you only have until dusk....
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by bajabound2005
What's a gingo? |
Thats Gingo Booluoba. It's supposed to be good for your joints, or any other joint in the neighborhood.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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That "Front Of The Line" card would not only get you immediate service, it would get you into a major fist fight, as well it should.
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woody with a view
PITA Nomad
Posts: 15939
Registered: 11-8-2004
Location: Looking at the Coronado Islands
Member Is Offline
Mood: Everchangin'
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| Quote: |
The best Mexican bank for Gingos to pay bills online?
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the closest one?????
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CaboRon
Ultra Nomad
Posts: 3401
Registered: 3-24-2007
Location: The Valley of the Moon
Member Is Offline
Mood: Peacefull
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BBVA Bancommer USA
I bank at the Santa Ana , Orange County office of bancommer USA and receive the absolute best of service, and I can use their MX partners ATM at no
charge....The fee for with drawing pesos in Mexico is 1% and that is the Visa charge for processing the International Debit card peso transactions
...The manager of my home office greets me by name when I enter the bank and has given me his e-mail address in case I have any problems in Mexico.
My Social Security is direct deposit and my pension is also derect deposit. And they are setting up the on-line banking, they say very soon.
CaboRon 
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Baja&Back
Senior Nomad
Posts: 549
Registered: 9-10-2004
Location: Vancouver, Canada / todo de Baja
Member Is Offline
Mood: Rarin' to go South!
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Larry: Go to the back of the line! Your card expired June 07.  
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capt. mike
Elite Nomad
Posts: 8085
Registered: 11-26-2002
Location: Bat Cave
Member Is Offline
Mood: Sling time!
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Bob - is the new mulege bank Banamex?
i'd like to have a way to pay my elec bill thru them. on line, i don't care what the bill delivery method is, Diana can tell me, she gets them. i just
want to send them enough to cover it and they will keep and track a credit balance.
formerly Ordained in Rev. Ewing\'s Church by Mail - busted on tax fraud.......
Now joined L. Ron Hoover\'s church of Appliantology
\"Remember there is a big difference between kneeling down and bending over....\"
www.facebook.com/michael.l.goering |
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