Transferring Funds from Bank Account to GCASH

Earlier today, I got an SMS update from Globe. They are proud to announce that local ATM cards (either credit or debit card) can now be used to reload GCash online. Here’s a preview of the text message:

“FREE GCASH Advisory; Enjoy the convenience of transferring funds from your bank account to your GCASH wallet online! If you have a BancNet or Mega-link-powered ATM account such as Metrobank, RCBC, EastWest Bank, Chinabank, Unionbank and many more, you can now cash-in to your GCASH wallet online….”

As far as I remember, it’s been a long time since they introduced this online service. It’s available both on GCash and GCASH AMEX official website. Actually, I tried it before but Globe did not clarify that it’s still on beta test. That’s why all of my transactions aren’t going through in the past. Now, it seems like they have already finalized it and good-to-go.

The service is for free. You can transfer funds to your GCash wallet at anytime without being charged a transaction fee. Just bear in mind that the lowest amount that can be transferred is PHP500 and the maximum is PHP40,000 per day. If you’re account is already KYC’ed, your daily limit is PHP100,000. That’s one of the benefits of having a verified account. For more information regarding KYC, please refer to this webpage.

Since this service is what I’d been waiting for months, I was too eager to do my first successful transaction. To no avail, I can’t still transfer funds. Not because there’s a problem with my card but there’s a problem with the pop up window where I need to key in my card details. I always get a certificate error. Whenever I get such, I’m getting apprehensive. I was once a victim of online phishing that’s why I’m afraid to just click on Proceed button without precaution.I called GCASH and they don’t know exactly why I am getting such an error. I used both Google Chrome and Internet Explorer 9 but I got the same certificate error. At first, I thought there’s a problem with the time setting on my Windows system. I tried to switch the time zone from GMT+9 to GMT+8 but it didn’t resolve the problem either. The rep asked me what bank card I’m using. I said RCBC. He said that I can transfer funds to my GCash wallet through BancNet alternatively. He walked me through the whole process but I ended up getting an error again.

I’m going to re-update this post once I completed a transfer anytime soon. I will also provide a detailed guide about the process.


Where to Get SSS E-6 Form?

E-6 is the form that you need to fill out and submit when you apply for a Social Security ID. You may download a copy online or get it from any SSS branches that have facilities for ID capture. Remember, not all SSS branches nationwide process SS ID applications.

You may download SSS E-6 form (PDF format) from this link. Just click on the Print button icon in your internet browser to print the two-page form. Use Legal sized paper. You may use Letter-sized paper but the text is too small when shrinked. Print the form back to back instead of separating it into two pages. That’s how the original printed form looks like when you get a copy from SSS.

You may also use the web fill-in E6 form if you don’t want to handwrite your details. Here’s the link. Use either Internet Explorer or Google Chrome to access the webpage. Fill out the entire form then print it once you’re done. You are not allowed to save the form with the information you have typed in. If you need multiple copies, print as many as you want because once you close the window, the data will not be saved. If you need to make another copy, you need to start from scratch.

You need to present a two valid ID together with the accomplished form when you drop by to SSS.

You must have at least one monthly contribution to be eligible for an SS ID.Notes:

– SSS no longer issue the original design of SSS ID (the blue one). They are now issuing UMID which is known as Unified Multi-Purpose ID. It’s a universal ID which holds you membership info from other government agencies such as GSIS, PhilHealth and Pag-ibig.

– If you haven’t presented or submitted a copy of your birth certificate during your initial application for an SS number, make sure to bring it with you. They need it to validate your information before they process your SSS ID application.

Business Web

Where to Find Samsung Device Pack and Certificate Number?

Samsung introduced Extended Warranty to its consumers to provide continuous support on their products. Basically, it is an extension of the original one year product warranty. First, you need to know that not all Samsung devices are eligible for enrollment. You may check Samsung website to make sure your device can be enrolled for an extension of warranty.

To be able to enroll your device to Extended Warranty, you need to register it first online. Here’s a guide on how to register:

After you register your product, you may now proceed with the enrollment. Just click on Registration link under Extended Warranty then fill out the form. You will be asked to enter the pack number, certificate number and pack purchase date. But, where can you find those information?As you may know, Extended Warranty is not free. Generally, you need to purchase it from Samsung Service Center. Depending on the country you’re in, you may contact Samsung customer service first to check if there are other ways of purchasing Extended Warranty without going to service center.

Upon purchasing of Extended warranty, you will be provided with a certificate containing the pack and certificate number. Those are the things that you need to enter during enrollment.

Extended Warranty form
After you successfully registered your device, extended warranty info will be shown under My Registered Product. Remember, extended warranty is good for a year only. It is advisable to get one after the original one year warranty expires.

Business How-To Guides Web

Track Western Union Money Transfer Online

Track your Western Union Money Transfer whenever or wherever you are online through Western Union Tracking website.

Tracking your money transfer online is easier, quicker and more convenient than to call or email customer service.

You can check status of a money transfer in just a minute.

To get started, all you need is the Money Transfer Control Number a.k.a. MTCN and the sender’s name.

Here’s a quick tutorial on how to track money transfer online.

Track Western Union Money Transfer

Step 1: Go to this webpage.

Step 2: Enter all required information and click Check Status. See screenshot below.

Money Transfer Tracking - Western Union
Money Transfer Tracking – Western Union
If the sender has two first names, enter it on the first box. You can enter the middle initial as well if the sender wrote it in the form.
See example below.
Western Union Money Transfer Tracking - Two First Names


In the event that the link in Step 1 is down, you may track your MTCN here.

Enter the MTCN in the box provided, select your country then enter the expected amount.

Track Western Union Transfer
Track a Transfer page – Western Union

Click Track Transfer.

You’ll see the money transfer status in the next page.

Here’s a list of the common statuses of Money Transfer.

1. Available for pick up by the receiver

2. Picked Up

3. W0131 We do not have an order with the provided information. Please verify your information and click Check Status.

Business Web

Package was Held by Customs Due to Missing Invoice

Missing invoice is one of the common reasons why a parcel is being held in customs. Though it was retained, it doesn’t mean you’ll pay duty. Just set your expectation that you might pay. Give customs enough time to examine the package. Most probably, they put it on hold to figure out the actual price of the item. After acquiring enough information, they will evaluate if they should charge tax in your package or not. If they open your package to check the item inside or search for a receipt, they should tag your package as opened or it depends upon their procedure. If you think it’s taking too long, contact them immediately. If they ask a copy of the receipt, then send them a copy. 

missing custom invoice
If the item was declared as a gift, let’s say the item is a gift from a relative, customs will not bother to ask a receipt somehow. They will just determine the item value through research or whatever. It still depends on the customs clearance procedure in the destination country.

If the seller or merchant lowered down the total declared value of the item because you requested it, you may ask for a copy of pretend invoice. Take note, this is illegal. Doing this means you are breaking the law. You might get in trouble if you show them with a forged receipt and they have a reference of the real market value of the item. You should come up with good reasoning. Though you have a receipt, the total dutiable value might increase. Remember, a customs examiner has a way to check the real market value of an item and appraise it. Whatever the total fee that is showing in the customs form is final. You are obliged to pay it.

Now, do you need to ask the seller to put an invoice in the package every time you shop online? It depends. If you know your country’s customs requires a receipt then request it. This way customs will process clearance of your package faster.

Avoid requesting to lower down the item value. If the package was lost, the seller will not be compensated with the correct amount. Always remember that as a buyer it is your responsibility to pay any applicable tax that might be imposed in your package. It’s the law.


Customs Duty and Tax Computation in The Philippines

“All articles, when imported from any foreign country into the Philippines, shall be subject to duty upon each importation, even though previously exported from the Philippines, except as otherwise specifically provided in this Code or in other laws.”

– Section 101: Imported Articles Subject to Duty of Republic Act No. 1937 also known as “The Tariff and Customs Code of the Philippines

Duties on Imports

You pay tax when you buy a meal. Your utility service providers charge you with government taxes every month. Same when you are employed. Government deducts tax from your salary. And when you import goods, or let’s say a relative, a family member or a friend sent you a gift from another country, you might pay tax as well. And, that is an inevitable fact.

See the emphasis I apply on the word ‘might’. I used it to clear that even though your package was held by customs, it doesn’t mean that you’ll pay tax 100%. Who knows? A courier may knock on your house door anytime. Anyhow, you can consider both of these possibilities. That’s why in this post, I’ll be sharing how to compute tax, so you can estimate the amount you might pay.

If you are planning for the first time to shop online or import goods for commercial purposes, the guide on the next pages is helpful in estimating tax.


Before moving to the next section, let me just introduce the two common terms I’ll use in this post. The first one is tax and the second one is duty.

If you noticed, I mentioned the word tax many times in the first section of this article because Filipinos, as per my observation from an old related article, prefer to use it. However, duty is actually the more appropriate term to use when referring to tax on imports. Now, starting in the next section, I’ll use the word ‘tax’ to refer to value-added tax alone.

Somehow, the two terms are the same since they are both a form of tax, and to compute the total duty (or total tax), you need to sum customs duty, value-added tax, also known as VAT, and other fees.

Now, let’s take a look on how to compute the total duty of imports.


Things to Know About Clearance Delay

Do you ever wonder what “Clearance Delay” mean when you track a package on FedEx website?

People usually ship parcels via FedEx to take advantage of the reliable and fast shipping service. FedEx services are expensive, but it is worth the money. Packages are traceable and insurable. The delivery time frame is awesome. Usually, it takes only a few days, but it is not always the case. Though FedEx offers a great service, the company is not exempt from customs regulations of a country. There are times that delivery is late, and one of the common reasons for it is clearance procedure.
Clearance Delay
Clearance Delay, or “Package available for clearance” means the package was held for examination and assessment by customs. It is a shipment update that is very common on imports from overseas.

About Customs

For the sake of those who do not have an idea about customs, it is a government agency that is responsible for examining, and collecting duties and taxes on shipments coming in and out of a country.

Customs assigns inspectors and collectors in ports and courier facilities. Those people are responsible for clearing shipments, and ensuring that taxable goods are taxed.

Clearance Procedure on FedEx vs. Other Courier Companies

The clearance procedure in a FedEx facility is normally quicker than other courier companies. They update the shipment status of a parcel as soon as customs finishes assessing it. See example below.

Package available for clearance

The tracking history shows the package was shipped on January 29, and it arrived in the destination country at 6:28 a.m., the following day. Customs assessed the package and levied taxes on it. It was released quickly in less than an hour.


Create My SSS Account Online – Social Security System Philippines

On this post, I will guide you on how to create My SSS account to view your transactions and other pertinent information. It’s easy to create an account as long as you know the Social Security Number of your employer. You need not to have the SSS number of your most current employer. Even your past employers’ SSS number will do as long as they associate your number with theirs.

So, to create an account, here’s how:

1. Go to the registration page of the SSS website. Click here.

2. On the next page, tick Member option and click Submit.

3. Fill out the necessary fields required most especially your SSS number and then click Submit afterwards.

4. After you fill out the form, it will tell you that an email was sent to you. Check your e-mail account and click the link provided on it.

5. Continue with the registration process by proving all the information being asked. This is the last step. Be careful in entering your employers’ SSS number. You shouldn’t put dashes since it’s already provided.

6. Tick the I accept the Terms Of Service and Click Submit.

Your account is not automatically activated. You need to wait for another e-mail confirmation from SSS. It will only take a few minutes for you to receive it. If it takes long, wait within 24 hours. Your nominated password during the registration won’t be changed. As soon as you get the last confirmation email, go ahead and login to your account here. You can now check your SSS contributions.

Let me know should there be any updates on the site.


Need to Contact EMS in the Philippines? Here’s How!

Is the delivery of your EMS package delayed? Would you like to follow it up?

Here is a list of contact numbers that you can use to reach PhlPost or the peeps handling EMS shipments at Central Mail Exchange Center (CMEC) in Pasay City, Manila:

  • 854-5467
  • 854-3580

If you are using a smartphone, just copy the number then paste it into your dialer 📞. Mobile calls are subject to regular rates unless you are subscribed to a promo. It is best to contact PhlPost through landline.

Please note that PhlPost does not have a contact center. The phone numbers above are prolly regular landline numbers that you can call to inquire, complain?, or whatever.

Based on my experience, it is difficult to get someone from the other line. Sometimes, it just rings until the line is cut off. :( It is best to call in the morning, preferably 9am.

PhlPost is open from Mondays to Fridays, 9am to 5pm (subject to change especially on holidays).

Possible to Email Them?

Definitely an alternative option!

That is how I contact them nowadays and I usually get a reply within two business days, though there was an instance that they completely ignored my email, or worst, junked it. Perhaps, it depends on the person answering the email. ;)

My last email to them was a formal request to send back the package to South Korea or donate it to a charity after they or customs held it for like two months. They did not get back to me after that. Sad.

You can send them a message at

Tracking an EMS Package

If you have a tracking number (usually starts and ends with two letters), you can check the delivery status either on the online tracking tool from the originating country or on the PhlPost website. For example, if your package was shipped from South Korea, you can track it through the Korea Post website. If from Japan, you can track it through Japan Post website.

I’m not confident with PhlPost’s tracker or website due to frequent downtimes and delayed updates. That’s why I recommend the tracker from the originating country.

Three Common Delivery Statuses

Online EMS Package Tracker - PHNot sure about the meaning of the delivery status on the tracker? Here are three of the common ones that may anger or excite a recipient: :)

  • Arrival at inward office of exchange: The package is in the Philippines, probably at Central Mail Exchange Center (CMEC) in Manila or whatever. It will undergo customs examination before it is released and forwarded to a local post office.
  • Customs Clearance: Uh oh! The package needs to be examined for possible taxes and duties (50/50). This causes dilemma or frustration to some. You have to wait a week, or worst, months for this process to be completed. If you are residing in Manila, you can go to CMEC with or without an invitation or notice in the mail to claim your package. Just bring two valid IDs and funds?. An authorized representative is OK, but an authorization letter is required.
  • Departure at inward office of exchange: Yey! The package is released or will be forwarded to the local post office who will fulfill the door-to-door delivery, though it’s up to them. So, it is possible that they will contact you to pick it up. There is a delivery or whatever fee per package. Not just sure with the exact amount. If there’s a tax to pay, you’ll be notified.

Where’s CMEC?

Here’s their address:

  • Central Mail Exchange Center, Philippine Postal Corporation, Domestic Road, 1300 Pasay City Metro Manila, Philippines

Use Waze or Google Maps to check the location or distance from your place.

I’m not sure if this is indeed true, but I was informed last February by PhlPost that recipients from Manila or Mega Manila are required to pick up their held packages from CMEC (those stuck in customs). The first question that popped up in my brain was “Do people from southern islands fly to Manila just to get their packages?” Hmmmm.

PhlPost email response

If you don’t know: EMS, an abbreviation for Express Mail Service, is a type or a brand of delivery service. It is not a private company like FedEx, DHL, or UPS. Packages sent through EMS, locally or internationally, is managed by PhlPost.

[contact-form-7 id=”6360″ title=”Is this helpful”]

P.S. Should you need assistance, feel free to email me here. Make sure that your email address is valid if you want to hear from me. If you want, you can also inquire through the comments section below. You may also read the inquiries from other readers.

Business Web

Occupational Permit from Quezon City Hall

I’m not aware that there’s a new City Ordinance that all of those who are working or already employed in the City of Quezon are now required to get an Occupational Permit. I need to get one because it’s one of the requirements of my new employer.

Basically, you need to have these documents before they can process your Occupational Permit:

1. Cedula

PLEASE don’t ever get a Cedula from Quezon City Hall most especially if you’re salary is beyond minimum or don’t ever declare it on a short form that they will provide you. I was really disappointed because this was the very first time that I paid a Community Tax Certificate for ₱254.98 (Wow!). I was shocked when the personnel who processed the Cedula clarified to me the amount twice. I can’t really believe it. I should rather get one in our Baranggay. I’m actually paying not more than ₱20.00 before for Cedula. Also, the personnel asked me:

“Ilang taon na po kayo nagwowork?”
I said “Two Years.”
“Tagal na po pala.” And then he’s trying to compute something on his Jurassic Calculator before he gave me the exact amount that I need to pay.

I was thinking that, so that’s the reason behind it?. I didn’t ask further. I need to go home early. Fine, I’ll pay it.

Again, if you’re going to get a Cedula there, much better if you’re going to declare that you are a student rather or whatever alibi you have just to avoid paying the same amount. Actually, I met some colleagues there and they are also trying to get their own Occupational Permit. We actually have the same experience (paying overpriced Cedula). The old woman paid ₱201.00 and then the young lady just paid ₱68.00 because she said to the personnel who processed her cedula that she is a maid (what a nice idea).

2. NBI Clearance

3. Health Certificate
I assumed that if I already have a Medical Certificate provided by the company, there’s actually no need for me to pay the Health Certificate and I will not undergo any medical examination. Eventually, I paid for it. That’s another ₱100.00. I need to confirm with our HR about this Health Certificate because it caught my attention. I am really disappointed with my journey at Quezon City Hall. And also, I hate the old woman who’s processing the Health Certification. lol I felt it. She was very disappointed when I mentioned that “Hey! I already have a Med Cert provided by the company.”

If you already have those documents at hand, then you’re good to go. Just go to the building at the back of Quezon City Hall or you can ask a guard from there the location of Business Permits and Licensing Office (BPLO). Once you’re there:

1. Approach the lady in the Reception/Information Area (the one who doesn’t have a Zygomaticus because she doesn’t even know how to smile) where to submit your documents for Occupational Permit.

2. Once you show them your documents, you will be provided with a small slip wherein you need to put your complete name and job title. They will inform you to go to the Health Certification Processing Area. I’m not aware what’s gonna be the process for those who doesn’t have Med Cert yet but in my case I just informed her and she provided me with another slip. You just need to put your complete name there. And also, you’ll notice that she will check two small boxes on it. If my memory serves me right, it’s the Health Certification Fee (₱50.00) and HIV/AIDS Seminar Fee for another ₱50.00. Wow!. They didn’t even told me that I’m scheduled for a seminar or what. lol. So, that’s ₱100.00 all in all for Health Certification Fee. So, you already have two small slips at hand now. After that, you will be instructed to go to the Treasure’s Office to pay the following:

Mayor’s Permit and Picture- ₱95.00
Health Certificate Fee- ₱100.00

3. Once you already paid the two small slips, you will also be provided with two receipts. After that, go back again to the BPLO Office and submit your NBI Clearance, two receipts, and Cedula. They will attach a small slip again to it wherein you need to put again your job title, company name and Civil Status. Once you’re done, go to the Image Capturing Area just beside to the Processing/Releasing Area, submit your documents, sit down on a high chair then look at the webcam and don’t for get to smile. :]

4. All you have to do next is to wait for your name to be called. And that’s it, you’re Occupational Permit is already printed out. Just sign it and place your right thumb marks on it.

The whole process was too fast. I was there for only 30 minutes probably. But then, I’m still disappointed with the total costs and also with the overall customer service.

Mayor’s Permit and Picture- ₱95.00
Health Certificate Fee- ₱100.00
Cedula- ₱254.98

TOTAL: ₱449.98

That’s too much for me already. When I looked at my permit, I saw there that the Health Certificate Fee is only ₱50.00 and the Mayor’s Permit is only ₱75.00 (the picture fee was not included). They should have declared the exact amount for both.

About BPLO and Occupational Permit: