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Ben_from_uk

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About Ben_from_uk

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  1. Ben_from_uk

    opening a bank account - how hard now?

    Bank account or no bank account. Flight BOOKED Adios dull, grey, cold UK.
  2. Ben_from_uk

    opening a bank account - how hard now?

    Yeah im gonna echo marks view that i ll put the bank account on the back burner until i want residency. Its easier/best for me to find a land lord who is willing to rent a property with all the bills paid meaning i dont need a bank account. So yes thankyou for the detailed experiences as it has helped me to make some very important decisions. It means i can be on the beach in cahuita with my coconut and straw instead of worrying about how my bank account progress is coming along. Pura Vida
  3. Ben_from_uk

    opening a bank account - how hard now?

    Hi Dana, yes im a bit worried and Im not the type to lose things but im used to a PIN being required to authorise payments, in CR they only require a signature. Although i was impressed by some places requiring ID. UK banks will only push me to their premier banking facilities which i've looked at but still don't offer much outside of US/EUR/GBP currencies.
  4. Ben_from_uk

    opening a bank account - how hard now?

    This is very interesting, i have been researching costa rica for almost 2 years now and this is the first time i have heard of people depositing foreign cheques into a CR bank account. I had no idea that would even work. Cheques are almost obsolete in the UK now due to online banking so i never even thought of it. As for planning far enough ahead, i can use credit cards at an atm for survival cash until CR bank account is opened etc. Again it all comes back to getting that bank account opened. I hope i read that right - NO FEES on a cheque under $999? Do you get a good exchange rate using cheques? Yesterday the £ was worth 813 CRC's, happy days !
  5. Ben_from_uk

    opening a bank account - how hard now?

    Now you've really hit the nail on the head, this is why i want the local bank account. No charges is one thing but also I was always apprehensive putting my credit card in an ATM in the rare event that it gets swallowed. One ATM in limon scared the life out of me by saying that i had taken too long to respond (which i hadnt as my spanish friend was pushing the buttons) and was taking my card. I freaked out and as i was doing so my card popped out! After that i would only use machines that let you put the card in the slot but dont actually take it into the machine (they have them in supermarkets). I would rather not be limited to non card swallowing ATMs so thats why i really want a local bank account. Its an £800 flight back to the uk for a new credit card if it gets swallowed.
  6. Ben_from_uk

    opening a bank account - how hard now?

    Yeah paypal will definitely charge. Cash payments were cheaper as a result, but from a customer point of view it was great for the convenience. I was out of cash and didn't want to go hunting for an ATM.
  7. Ben_from_uk

    opening a bank account - how hard now?

    I have paid for a hotel in CR when their credit card machine was down last year. I have seen the paypal sign cropping up at a few other places so i think its gaining momentum. I dont see why a hotel would take money from customers if they couldn't transfer to a bank account. The above post seems to back this up too.
  8. Ben_from_uk

    opening a bank account - how hard now?

    I wish everyone in the world would just use paypal lol
  9. Ben_from_uk

    opening a bank account - how hard now?

    Hi David, thanks for the advice - very useful. Yeah i think last time i researched it UK banks don't do CR transfers as its a little bit off the beaten path for them. Will have to use a third party money mover i believe. Will certainly check out Davivienda as have not heard them in forum topics before.
  10. Ben_from_uk

    opening a bank account - how hard now?

    Ok well i've been planning this for a long time so if the teaching is a no go its not the end of the world. I can always go and do some travelling round the country / nica / panama etc. As for banking i've just had a reply to another thread that ARCR can help so thats at least one step in the right direction ! Lets hope that the pendulum of an easy life will start to swing back in favor of the expats eh.
  11. Ben_from_uk

    opening a bank account - how hard now?

    Hi Colin, Im glad to hear the sentence "ARCR helped a non-resident open a BNCR account a month ago so it isn't "no cedula, no bank account". Prior to my post there was no update on this since Feb this year on the matter (!) It helps if you understand my situation. I cant just fly back to the US to pick up a new card. For me its a 22 hour journey costing about $1300 in your money across 3 airports. I like to plan for the worst and if i lose my wallet or get robbed (lose everything) i would like a way of transferring funds into CR in an emergency situation. I will be renting in CR so yes i would prefer not to have to pay him/her cash. I would prefer not to have to go down the bank with large amounts of cash either but its sounding like that is the only way to go. I understand bank accounts for non residents cannot transfer funds between other CR accounts but just any CR bank account is a nice backup. ====================== Hi DanaJ, Thanks for the advice, carrying large amounts of cash is a worry for me. Also, ref this comment... "Then you can either pay it (the rent) by depositing in the bank, or online, thus you don't have to worry about walking around with a wallet full of cash, which can be risky" In the event i can open a bank account AND should i manage to load my CR account with funds i am led to believe i still cannot pay a land lord due to CR to CR bank transfer limitation on a NON RESIDENT bank account(?) Frustrating. ============================ Reference the teaching English thing, it is possible to get a sponsored visa/work permit i believe from what i've read. I am finishing my Advanced TEFL course this month so please dont jump to conclusions about working illegally. I will raise these concerns with the international language institute and see what they recommend and hopefully sort out any paperwork. Again, thanks to all for your input.
  12. Ben_from_uk

    opening a bank account - how hard now?

    Hi Mark, Very good questions which i will answer. Basically it boils down to international transaction charges. I get charged a foreign exchange charge and sometimes an ATM charge for every transaction. There are no UK bank accounts that do not charge international fees. There is ONE UK credit card which does not charge anything for drawing cash from ATMs or credit transactions - which i currently have and have tested successfully in CR. Trouble is if i lose that one card then i can still use my other cards but will then be subject to international transaction charges. I am looking at living in CR so a lifetime of charges won't sit right with me. Im not in the habit of giving money to banks for access to my money. As per CMINCR's post - if i want to pay rent/bills etc it means drawing out cash and paying at the bank. As i don't speak spanish this could be fun..or not as the case may be! I really want to move to CR and hope that the lack of facilities wont stop me.
  13. Ben_from_uk

    opening a bank account - how hard now?

    Hi Costaricafinca, I anticipated a response along those lines. I've read a few previous posts and understand ARCR advocate the CR law down the line, which i accept and understand. However, if the CR residency / English teaching requirements were enforced then the majority of English teachers would be deported to the detriment of Ticos and teachers. I dont' necessarily need to teach English but would like to get involved with something while I am there. If i cant teach English its no biggie, however i would still like a bank account so i can transfer funds in from my home country. I do not feel comfortable using my credit card to constantly draw cash from ATM's as you would do on holiday. If i lose my card or the ATM swallows it there is NO way i can get a new card other than to fly back to England. ============= Tibas, I might call ARCR but i fear i will get the same response as previous people on this thread who have enquired "No residency, no bank account" - regardless of whether teaching English or not. Does ARCR have an email address - or is it phone only? Also do you have the full international number so i can see how much call charges would be? ============= Hi Mark, I completely agree and dont want to get involved in the CR banking process either, but at some point i am going to have to - I forgot to mention im from the UK so a US account would actually be much more hassle ! Thanks to everyone for your replies. Ben
  14. Ben_from_uk

    opening a bank account - how hard now?

    Very sorry to resurrect such an old thread. However, i was wondering if anyone had an update on this? I was hoping to move to CR to teach english but not being able to open a bank account might be a show stopper! I cant see how NEW english teachers could function without being able to open a bank account.
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