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	Create New Topic   My Posts   My forum buddies   Invite friends   Private messages Russian brides > Main Forum > Sending Money: Author Post jetmba. Member send PM   block PM add to buddies Send: 2/10/2004 3:17:44 PM   I know this is not a favorite subject for anyone. And of course, we should all be on the lookout for scammers. But once you've met your lady - and have decided to contribute financially (a phase that will, in reality, come to most of us sooner or later) what's the best way to go? Western Union to my girl seems ridiculous. There is a $20 service fee, up to $100. After that I think it is $7 per hundred (I think). You might think that there is a better way. There is. I use iKobo which now (didn't before) sends an ATM card to her for free and then charges a straight 4% plus a small converstion rate. Sometimes an ATM charge of $1.50 is added but it sure beats Western Union. Anyone else with any experience here? jetmba. Member send PM   block PM add to buddies Send: 2/10/2004 3:23:56 PM   Actually one of the advantages is that you can keep a little firmer grip on the wallet. If my lady needs $40 I can send it. The total cost is $42 with iKobo. With Western Union - sending such a small amount would be ridiculous. To send $40 you would pay the minimum $20 transaction fee. The total cost would be $60. Thunderdome Member send PM   block PM add to buddies Send: 2/11/2004 9:41:48 AM   Jet, not my idea but a good one. Open an account with a Debit card, and send this to her. Give her the PIN and off you go. She can use a normal ATM and you can top-up whenever suited. Costs are minimal, your risk-protection maximum I'd say. jetmba. Member send PM   block PM add to buddies Send: 2/11/2004 11:37:21 AM   Thunder: That's a pretty good idea - except that I am only familiar with debit card (like Visa etc.) that can also be used as credit cards. That's how mine works anyway. I'm not aware of any other type. I obviously cannot open an account in her name with out ID and her signature. And I wouldn't want her running around with a credit card in my name. Perhaps it works differently where you live. jetmba. Member send PM   block PM add to buddies Send: 2/11/2004 11:41:31 AM   This iKobo card IS though like debit card. I put the money in the account that I choose for her to have (there is a webpage that I can transfer funds directly through). They send her a card that looks like a VisaPlus but has no name on it. They also send me a four digit pin number which I relay to her. Then she uses it like an ATM card at any ATM machine. So in essence it is the same thing that you refered to. Thunderdome Member send PM   block PM add to buddies Send: 2/11/2004 12:40:51 PM   Yeah, but yours is percentage-based, expensive in relation. A Debit-card is like a savings-account (no overdraft-facilities) and who cares in who's name it is? It's only used (by her, paying with it there I think is not possible) for ATM-withdrawels only. Only an ATM-withdrawal fee is charged, quite reasonable anyway. But the main thing is that it's not a Credit-card, i.e. no balance - no transaction! And, because it's in your name anyway, you can top-up online, from anywhere in the world. Inform yourself at a bank, I'm sure they'll help you with the correct product - and yes, it exists also where you are. jetmba. Member send PM   block PM add to buddies Send: 2/11/2004 1:30:09 PM   Thunder - I will look into it. One dubious distinction between this card and a debit card is that with this card ANYONE can actually send money to the card holder via the webpage. All you have to know is the recipient's name and address. Which means that other guys could use the same card to send her money if they were so inclined. Like I said... dubious. Thunderdome Member send PM   block PM add to buddies Send: 2/11/2004 2:00:30 PM   Don't look for ghosts Jet - anyone can dump into any account, card or not. What I actually meant is that with only a PC you can transfer funds between your accounts, 'her' card being one of them, virtually real-time because it is a moving of funds only, not a transfer to a 'foreign' account/bank etc. Another added advantage is (if the card's in your name) you can see what & when she's spending. This means also is a nice way to test somebody. Send the card, later send the PIN, and 'see' her reaction. Safe as houses Jet, nothing can go wrong. Thunderdome Member send PM   block PM add to buddies Send: 2/11/2004 2:36:03 PM   Jet, was reading your post again: "All you have to know is the recipient's name and address" ???? You'd need the name of the bank, the holder's name(yours), account number AND the branch-number, and the latter nobody knows if you don't tell her. It's a bankaccount, nothing else, just a card goes with it. jetmba. Member send PM   block PM add to buddies Send: 2/11/2004 6:18:18 PM   Thunder: I was talking about the iKobo card. And it works differently. Check out www.ikobo.com and you'll see what I mean. jetmba. Member send PM   block PM add to buddies Send: 2/11/2004 6:23:37 PM   But actually, all in all, I like the advantages you mention with a regular debit card. If such a thing is available (still have to check it out) here - I will forego the iKobo. See, with MY debit card, which looks much like a Visa card - I keep a sufficient balance like a checking account. But if I were to go over - it would still be automatically covered, to a point, but I'd still be responsible for an overdraft fee. I wouldn't want her being able to do overdrafts of course. jetmba. Member send PM   block PM add to buddies Send: 2/11/2004 6:32:18 PM   Let me try explaining that again - my debit card looks like a Visa card and can be used like one - even though it really draws against my checking account. However, I can use it as a charge card and go over my checking account balance. In which case I would still be covered withing certain limits. But I would pay a hefty overdraft fee. again - I don't want to be responsible for hefty overdraft fees for my lady. So I will have to see if just a debit card is actually available here. (Hoping that was a better way to explain.) TimH Member send PM   block PM add to buddies Send: 2/12/2004 8:56:34 PM   Thunder, I think you are causing Jet some confusion. I am not sure that the USA have "debit cards". If Im right Thunder you are like me in the uk ? There is another problem with this, no bank in the UK since 9/11 will open an account for someone they do not have masses of ID for and who has been in the UK under 6 months. I tried it and hit a brick wall. If you open an account in your name and somehow the card gets abused, you are responsible, not the lady. And last but by no means least, having been to the CIS 5 times now, any woman caught using a card that doesnt have her name on it (which she must verify with her passport) is likely to be arrested and questioned by the police, which could leave your lady high and dry in a cell for a few hours or even days !! JUst a few words which I hope will help all :o) Tim TimH Member send PM   block PM add to buddies Send: 2/12/2004 8:57:26 PM   OOOOPs !! got you two switched round !! Sorry !! for Thunder read Jet ;o) Thunderdome Member send PM   block PM add to buddies Send: 2/13/2004 11:20:35 AM   Tim, I think YOU don't understand, however am sure Jet does. She will use the card (which is in your name) in her country only for ATM withdrawals, and only can do so if the account has a sufficient balance on it. I have to see the first ATM who correlates the name on the card with the person making the withdrawal i.e. who cares. But even IF so, the card must have been reported stolen to initiate a criminal charge - so what's your problem? But by all means write your cell-number on the thing with indelible marker before you send it, or furnish her with an affidavid that she is entitled to use your card, but I'm sure you'd scare the poor woman. Use it - it works and is safe, cheap & convenient for all! KR Member send PM   block PM add to buddies Send: 2/13/2004 11:30:27 AM   Anyone know of bank-to-bank transfers? I can wire money directly from my bank to her account. Cost is very minimal... But is better for larger sums... jetmba. Member send PM   block PM add to buddies Send: 2/13/2004 11:33:30 AM   Neither of my ladies has bank accounts. In Moldova it is typical not to trust banks. They run prety much on a cash economy. TimH Member send PM   block PM add to buddies Send: 2/13/2004 11:42:33 AM   Thunder what is your problem !!! I have not only been to the country, I have been in the thick of the life there for over a month in one case !! If a woman there is aproached by a policeman while using your card to draw cash, no matter what she tells them they will arrest her pending further enquiries !! Either that or they will take the cash she just drew for herself and possibly even the card too !! YOu dont seem to have any real concept of what life is really like there !! An example, if a Russina girl is walking down the street with her weatern man in the evening after a nice dinner at their favorite eatery, and they are seen arm in arm by the police, there is likely to be some very inetersting problems. The police will not hassle the man, but by god they will make life awkward for the lady, and then weeks after the man has flown home, they will still be watching out for her and hassling her !! Before you spout off about what you think you know, talk or listen to someone who Does know !!! If you want to be sure that there wont be any hassles, then pay the slight additional cost and use WU, otherwise be wary that it may not be as smooth as you think it will be. Its not just another country, its another World there !!! Jet, you are quite right, I would say about only 5 to 7% of Russinas have bank accounts, and it is not easy to open one either. Best stick to the easier ways KR, and I hope at least I have been of some help to those who value real experience over guesswork !! gladiatorUK Member send PM   block PM add to buddies Send: 2/13/2004 3:31:21 PM   Tim.........just a suggestion,but how about reading some of the posts Thunder puts up here before letting go a broadside? I think you will find that quite a lot of folks on here have a little bit of that "experience" you talk about!!! TimH Member send PM   block PM add to buddies Send: 2/13/2004 4:19:03 PM   My experience could be a great help to anyone who has never been to the CCCP or is thinking about going mate. Like yourself, I have been there, many times, and I have been married to a Russian lady, I do know of what I speak. As I said elsewhere, I dont have any wish to upset anyone, but I will state that which I know is truth, if someone disagrees with me then its their look out :o)) I can only show a window, I cant make anyone look through it :o) Your Reply: Your name:   New Registration Password:   Forgot password?   refresh Code:   Russian brides > Main Forum > Sending Money:
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