mike029 wrote:the Post Office card sucks
Hm... that is a rather unspecific evaluation, and to me it seems that the card is good enough when compared to other cards in the same category. Why would anyone want to get it, you ask: because generally, it's a good idea to have several cards (many of the cards mentioned here have been reported to not work in some odd circumstances), and, anyway, some people get by with cards that do even less than the PO card, because they use Taiwanese
credit cards only to pay for purchases in shops in Taiwan
I have heard nothing but negative comments regarding the Post Office bank in general. It's one of those holdovers from pre-modern ROC (PRC's post office bank is terrible, as well). My classmates always complain about it because the ATM card doesn't work anywhere except the post office, you have to find a post office to withdraw money, and the line is always too long. They also don't have the ATM you can deposit cash in. The only 2 pros to having the account is that it allows people 18 years of age to open an account (banks are 20?), and they give preferable interest rates to government employees.
Myself, I have Chinatrust and First Bank. Chinatrust because it always works and seems to be the largest bank here and First Bank because when I was at Zheng-Da they forced me to open either First Bank or Post Office and I went with First Bank.
My Chinatrust card worked overseas in Malaysia and Singapore when I wanted to withdraw cash with no issue, FYI. Their mobile app is garbage and completely useless, but at least the card worked. Also the plastic with the magnet stripe came off the back of my First Bank card but the bank won't give me a new one unless I bring that stupid ass bank book I can't find. It still works in the ATM (from the chip), so whatever. I rarely use it. Right now the Chinatrust card's plastic is also coming off at the back end...I'm afraid the ATM is gonna catch it when it spits the card out now...
About the Paypal not working when you log in: Cards can only be added if they are issued in the country that the Paypal account is registered to. For example, an American Paypal account cannot add a Taiwanese card/bank for funding. A Taiwanese Paypal can, however, add an American card. American cards and bank accounts work on all accounts worldwide, so it's better to hold a TW Paypal account and add your American info.