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Submission: On June 12 via api from US — Scanned from DE
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<p>and that's why crypto will prevail </p>
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<p>We all must reject cbdc's when the time comes. Decentralized Finance is the future.</p>
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<p>I have no more a PayPal account. I had a 1300 euro incoming transfer from one sealed ipad and suddenly Pay Pal decide to ban me. And I had to wait for my money according to the rules 2 monts. WHY??? Warum? Perche? Por que? After a 5 years
active use? Because Im a foreigner in Germany but I have lived in Germany for 6 years and have all these legal things like a address tax and social security numbers. And Im using one and only German bank account. I have tried to speak with
customer services but for 3 days of trying have no chance at all. Then I canceled the payment and the buyer got his money back and send them directly in my bank account. I don't know the buyer and He could have left me only with a couple of
cold water. So much risk! Yeah thank you for that Pay Pal! And also I made a lot of donations for sick chldren and other good causes. But no more! No chance ! No Pay Pal for me anymore!</p>
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<p>I am philliph a trusted pickup vendor for ;</p><br>
<p>🤝Zelle</p>
<p>🤝Cashap</p>
<p>🤝Venmo</p>
<p>🤝E-transfer</p>
<p>🤝Western Union</p>
<p>🤝Apple pay</p>
<p>🤝Google pay</p>
<p>🤝Bank to bank transfer</p>
<p>🤝PayPal friends and family</p>
<p> Asap payment once screenshot is confirmed</p>
<p>Am legit bro we good for making money together brother 🤝🤝🤝🤝</p>
<p>Give me a try bro and see the way I make asap payment once screenshot is confirmed</p>
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<p>Am Joseph, international businessman. Am interested in making money. Email me at schalejr@yahoo.com, call or text me at 16203499044.</p>
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<p>I don't have my money sitting in PayPal. That would be ludicrous because it wouldn't be working for me. I transfer it out into one of my other accounts or into my PayPal Savings account which is covered by a bank. </p>
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<p>First Paypal allows for direct deposit only way is to be connected to a bank it is covered plus PayPal themselves covers you if there hacked and your money is stolen with Venmo being Owned by PayPal it's the same for them but it doesn't matter
there connected to a bank which allows the FDIC to cover it the people who said this needs to fully research before stating anything about it it's simple there trying to scare people I have had money in Paypal since I started using Paypal I
only keep the money there cause they assured me it's as safe there as it is a actual bank </p>
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<p>I have a PayPal account because 20 years ago or so, you were required to have one if you bought or sold on eBay. Now, you need one for Swappa. </p>
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<p>53000</p>
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<p>I use PayPal now and then to make an online payment but what happens is it automatically draws from my checking account with a real bank. Doesn't cost anything. I also receive money through PayPal when selling on Ebay, though most phone sale
now go through Swappa. But I have never let any money sit in PayPal any longer than necessary and transfer all proceeds ASAP. </p>
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* News * Reviews * Phones * Specs comparison * Size comparison * Manufacturers * Apple * Samsung * Google * LG * Motorola * Sony * OnePlus * View all * Carriers * Verizon * AT&T * T-Mobile * U.S. Cellular * Metro by T-Mobile * View all * More * AR/VR * Best Picks * Deals * iPhone 15 * iPhone 15 Pro Max * Apple Vision Pro * IOS 17 * Apple Watch Series 8 * AirPods Max * Galaxy S24 * Galaxy S23 * Galaxy Z Fold 5 * Galaxy Z Flip 5 * Galaxy Watch 5 Series * Android 14 * PIxel 8 * Pixel 7 * Pixel 7a * Pixel Fold * Google Pixel Watch * OnePlus 11 PhoneArena Socials 3 Notifications No new notifications You’ll get updated when important things are happening, and when you engage with our community. Community updates -------------------------------------------------------------------------------- Other updates -------------------------------------------------------------------------------- Trending News9m Wallet-emptier Galaxy S22 Ultra drops to a very reasonable price What readers comment3h Motorola Razr+: “Killing” Samsung Galaxy Flip comes with the biggest sacrifice in Android history? New discussion4d Debate: Apple Vision Pro is official! What do you think about it? Clear notifications Sparen Sie €150 mit OnePlus 10T 5G! * Home * News * You are here U.S. FINANCIAL AGENCY SAYS IF YOU HAVE MONEY IN PAYPAL OR VENMO, GET IT OUT NOW Apps Published: Jun 04, 2023, 1:06 AM Alan Friedman 15 A few weeks ago the U.S. banking system saw three banks, Silicon Valley Bank, Signature Bank, and First Republic Bank, all fail after runs on these financial institutions from customers with uninsured deposits who pulled their money out as quickly as possible. And late last week a report issued by the Consumer Financial Protection Bureau (CFPB) warned those with cash stored in nonbank payment apps such as Venmo or PayPal to pull that money out because it might not be safe in the event of a crisis. You might retort that the Federal Deposit Insurance Corporation (FDIC) insures bank accounts up to $250,000 and you'd be 100% correct. But the money you have in Venmo or PayPal is typically not in a bank account and is most likely not covered by FDIC insurance in the case that something bad takes place. For example, if there is a run on Venmo and Paypal and your money cannot be obtained, most likely you'll be out of luck. SOME CONSUMERS ARE NOT AWARE THAT THE FUNDS THEY HAVE IN THEIR PAYMENT APP ACCOUNT ARE NOT INSURED The CFPB does say that there are some options offered by Venmo and PayPal that will result in your funds being insured. For example, if you open a PayPal Savings account through the company's banking partner Synchrony Bank, funds in that account would be covered by the FDIC. With Venmo, you might qualify for FDIC insurance if you deposit money to your account via direct deposit, use the "cash a check" feature, or use your Venmo account to buy or receive some cryptocurrency assets. Funds you have stored on your payment apps like Venmo or PayPal are most likely not insured In its report, the CFPB wrote, "We find that stored funds can be at risk of loss in the event of financial distress or failure of the entity operating the nonbank payment platform, and often are not placed in an account at a bank or credit union and lack individual deposit insurance coverage. Consumers may not fully appreciate when, or under what conditions, they would be protected by deposit insurance." Some payment apps make money by investing the funds you leave in those apps. Since they are not paying you any interest on this money, interest earned on the bonds and other debt they invest in goes right to their bottom line. Payment apps that do this have no incentive to get you to transfer your funds to your linked bank or credit union leaving you holding all of the risk while they reap all of the reward. If you're not sure if you have coverage, your best bet is to pull the funds out and deposit them in an insured account until you can speak with someone at your payment app to verify whether your account is insured. FUNDS STORED IN A PAYMENT APP ARE AT HIGHER RISK THAN FUNDS DEPOSITED WITH AN INSURED BANK While there is no option for holding an insured balance in Google Pay, in Apple Pay funds are eligible for pass-through insurance if the customer registers the Apple Cash account with Green Dot Bank. Note that the CFPB says that funds kept in a payment app are at a higher risk for loss than if the funds were kept in an insured bank account or credit union. As the agency says, "Funds stored in a payment app may be at significantly higher risk of loss for a consumer than if it is deposited in an insured bank or credit union account. For instance, nonbank payment apps that invest customer funds in securities or other non-deposit products expose the company to the risk of insolvency if the investments' value declines. The companies are also exposed to risk if customers demand their funds all at once." The CFPB is merely trying to alert you, not scare you. "Consumers should be aware of these risks if they choose to leave a balance on these nonbank payment apps. To minimize these risks, consumers may choose to transfer their nonbank payment app balances back to their federally insured deposit accounts, where they have a direct relationship with an FDIC-insured bank or NCUA-insured credit union," it says in its report. You might want to take the agency's advice as soon as you can. POPULAR STORIES T-Mobile lays off over 67% of its highly regarded customer service crew Amazon smashes expectations by shaving around 50% off Pixel 6 Pro price Leak indicates performance gap between Pixel 8 and Android flagships is going to widen Apple's compact iPhone 13 mini powerhouse can be yours for $200 at Walmart right now Verizon's literally unbeatable Pixel 7 Pro deal (with no trade-in) is back on for a limited time Samsung's super-premium Galaxy Buds 2 Pro are on sale at a super-rare discount in all three colors New reasons to get excited every week Get the most important news, reviews and deals in mobile tech delivered straight to your inbox Subscribe COMMENTS (15) Sort: Newest first Oldest first Most popular All comments need to comply with our Community Guidelines Phonearena comments rules A discussion is a place, where people can voice their opinion, no matter if it is positive, neutral or negative. However, when posting, one must stay true to the topic, and not just share some random thoughts, which are not directly related to the matter. Things that are NOT allowed: * Off-topic talk - you must stick to the subject of discussion * Trolling - see a description * Flame wars * Offensive, hate speech - if you want to say something, say it politely * Spam/Advertisements - these posts are deleted * Multiple accounts - one person can have only one account * Impersonations and offensive nicknames - these accounts get banned Moderation is done by humans. We try to be as objective as possible and moderate with zero bias. If you think a post should be moderated - please, report it. Have a question about the rules or why you have been moderated/limited/banned? Please, contact us. Join the discussion... CancelLog in and Post All comments need to comply with our Community Guidelines gagiagia • 15h ago and that's why crypto will prevail Like Reactions All Reply CEDEOTB • 15h ago We all must reject cbdc's when the time comes. Decentralized Finance is the future. Like Reactions All Reply Irene3128 • 6d ago This comment was moderated for breaking our Community Guidelines. propov • 1w agoedited I have no more a PayPal account. I had a 1300 euro incoming transfer from one sealed ipad and suddenly Pay Pal decide to ban me. And I had to wait for my money according to the rules 2 monts. WHY??? Warum? Perche? Por que? After a 5 years active use? Because Im a foreigner in Germany but I have lived in Germany for 6 years and have all these legal things like a address tax and social security numbers. And Im using one and only German bank account. I have tried to speak with customer services but for 3 days of trying have no chance at all. Then I canceled the payment and the buyer got his money back and send them directly in my bank account. I don't know the buyer and He could have left me only with a couple of cold water. So much risk! Yeah thank you for that Pay Pal! And also I made a lot of donations for sick chldren and other good causes. But no more! No chance ! No Pay Pal for me anymore! Like Reactions All Reply Sangphilliph • 1w ago I am philliph a trusted pickup vendor for ; 🤝Zelle 🤝Cashap 🤝Venmo 🤝E-transfer 🤝Western Union 🤝Apple pay 🤝Google pay 🤝Bank to bank transfer 🤝PayPal friends and family Asap payment once screenshot is confirmed Am legit bro we good for making money together brother 🤝🤝🤝🤝 Give me a try bro and see the way I make asap payment once screenshot is confirmed Like 1 Reactions All Reply schalejr • 2d ago ↵Sangphilliph Am Joseph, international businessman. Am interested in making money. Email me at schalejr@yahoo.com, call or text me at 16203499044. Like Reactions All Reply Bruce_Wayne • 1w ago I don't have my money sitting in PayPal. That would be ludicrous because it wouldn't be working for me. I transfer it out into one of my other accounts or into my PayPal Savings account which is covered by a bank. Like Reactions All Reply Blackdragon01 • 1w ago First Paypal allows for direct deposit only way is to be connected to a bank it is covered plus PayPal themselves covers you if there hacked and your money is stolen with Venmo being Owned by PayPal it's the same for them but it doesn't matter there connected to a bank which allows the FDIC to cover it the people who said this needs to fully research before stating anything about it it's simple there trying to scare people I have had money in Paypal since I started using Paypal I only keep the money there cause they assured me it's as safe there as it is a actual bank Like Reactions All Reply Crispin_Gatieza • 1w ago I have a PayPal account because 20 years ago or so, you were required to have one if you bought or sold on eBay. Now, you need one for Swappa. Like Reactions All Reply Ezugwu • 1w ago 53000 Like Reactions All Reply StanleyKubrick • 1w ago I use PayPal now and then to make an online payment but what happens is it automatically draws from my checking account with a real bank. Doesn't cost anything. I also receive money through PayPal when selling on Ebay, though most phone sale now go through Swappa. But I have never let any money sit in PayPal any longer than necessary and transfer all proceeds ASAP. 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