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corazónENparaguay

Sending money overseas...

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I'm trying to figure out what options I have for sending money from the US to Paraguay, and avoid as many fees as possible. I won't be sending large amount, only about $1K at a time, when needed for wedding expenses.

Does anybody have any insight on the best way of doing this?


Paraguay2010076-1.jpg

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What I did with my wife in China is set up Schwab brokerage and checking accounts and then sent her the atm debit card. I can transfer money to these from my bank account at no cost and she can withdraw money at any ATM in the world. There are no fees from Schwab for this and they advertise that they will reimburse any other banks atm fees to you. So far we haven't seen any transaction or currency exchange fees on the account and we have been doing it this way since August. Beats the heck of of the fees for WU, moneygram or bank wire.


Service Center : California Service Center
Consulate : Guangzhou, China
Marriage (if applicable): 2010-04-26
I-130 Sent : 2010-06-01
I-130 NOA1 : 2010-06-08
I-130 RFE : 2010-11-05
I-130 RFE Sent : 2010-11-06
I-130 Approved : 2010-11-10
NVC Received CaseFile: 2010-11-16
NVC Casefile Number Issued: 2010-11-22
Received DS-3032 / I-864 Bill : 2010-11-23
OPTIN EMAIL SENT TO NVC: 2010-11-23
OPTIN ACCEPTED by NVC: 2010-12-14
Pay I-864 Bill 2010-11-23
Receive I-864 Package : 2010-11-23
Return Completed I-864 : 2011-03-30
Return Completed DS-3032 : 2010-11-23
Receive IV Bill : 2010-12-17
Pay IV Bill : 2011-03-16
AOS CoverSheets Generated: 2010-11-27
IV Fee Bill marked as PAID: 2011-03-18
IV CoverSheets Generated: 2011-03-18
IV email packet sent: 2011-04-4
NVC reports 'Case Completed': 2011-5-2
'Sign in Fail' at the Online Payment Portal: 2011-5-2
Final Review Started at NVC: 2011-5-2
Final Review Completed at NVC: ????
Interview Date Set: 2011-5-5
Appointment Letter Received via Email: 2011-5-6
Interview Date: 2011-6-1
Approved!!!!!

I-751 Sent : 2013-07-02

I-751 Bio Appointment Date 2013-08-02

10 Year Green Card Approved!!!!!

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What I did with my wife in China is set up Schwab brokerage and checking accounts and then sent her the atm debit card. I can transfer money to these from my bank account at no cost and she can withdraw money at any ATM in the world. There are no fees from Schwab for this and they advertise that they will reimburse any other banks atm fees to you. So far we haven't seen any transaction or currency exchange fees on the account and we have been doing it this way since August. Beats the heck of of the fees for WU, moneygram or bank wire.


Service Center : California Service Center
Consulate : Guangzhou, China
Marriage (if applicable): 2010-04-26
I-130 Sent : 2010-06-01
I-130 NOA1 : 2010-06-08
I-130 RFE : 2010-11-05
I-130 RFE Sent : 2010-11-06
I-130 Approved : 2010-11-10
NVC Received CaseFile: 2010-11-16
NVC Casefile Number Issued: 2010-11-22
Received DS-3032 / I-864 Bill : 2010-11-23
OPTIN EMAIL SENT TO NVC: 2010-11-23
OPTIN ACCEPTED by NVC: 2010-12-14
Pay I-864 Bill 2010-11-23
Receive I-864 Package : 2010-11-23
Return Completed I-864 : 2011-03-30
Return Completed DS-3032 : 2010-11-23
Receive IV Bill : 2010-12-17
Pay IV Bill : 2011-03-16
AOS CoverSheets Generated: 2010-11-27
IV Fee Bill marked as PAID: 2011-03-18
IV CoverSheets Generated: 2011-03-18
IV email packet sent: 2011-04-4
NVC reports 'Case Completed': 2011-5-2
'Sign in Fail' at the Online Payment Portal: 2011-5-2
Final Review Started at NVC: 2011-5-2
Final Review Completed at NVC: ????
Interview Date Set: 2011-5-5
Appointment Letter Received via Email: 2011-5-6
Interview Date: 2011-6-1
Approved!!!!!

I-751 Sent : 2013-07-02

I-751 Bio Appointment Date 2013-08-02

10 Year Green Card Approved!!!!!

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What I did with my wife in China is set up Schwab brokerage and checking accounts and then sent her the atm debit card. I can transfer money to these from my bank account at no cost and she can withdraw money at any ATM in the world. There are no fees from Schwab for this and they advertise that they will reimburse any other banks atm fees to you. So far we haven't seen any transaction or currency exchange fees on the account and we have been doing it this way since August. Beats the heck of of the fees for WU, moneygram or bank wire.

This one sounds great!:thumbs:


"The key to everything is patience. You get the chicken by hatching the egg, not by smashing it."

06/20/2009 - Met online ( I am from Philippines and he's from Wisconsin)

04/26/2010 - Met in Philippines (for 2 weeks)

05/08/2010 - Officially engaged!! ( He sent the engagement ring 09/24/2010 and he proposed to me on bended knee in Philippines with the second part of engagement ring) *melting*

06/18/2010 - I-129F package Sent

06/21/2010 - NOA1

06/24/2010 - Touched

09/23/2010 - Touched (when I contacted the Congressman's office)

11/15/2010 - Touched (hopefully the approval)

11/17/2010 - NOA2 (Received hard copy 11/22/2010)

12/01/2010 - Received a letter from DOS dated 11/29/2010 stating that the petition will be forwared to USE AD within a week and that I will received the packets very soon from embassy.

01/18/2011 - Interview. APPROVED!!! No words can express how happy i am.

01/25/2011 - VISA in hand! YAY!!!

02/20/2011 - POE Chicago (O'hare)

05/14/2011 - Our Wedding day

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What I did with my wife in China is set up Schwab brokerage and checking accounts and then sent her the atm debit card. I can transfer money to these from my bank account at no cost and she can withdraw money at any ATM in the world. There are no fees from Schwab for this and they advertise that they will reimburse any other banks atm fees to you. So far we haven't seen any transaction or currency exchange fees on the account and we have been doing it this way since August. Beats the heck of of the fees for WU, moneygram or bank wire.

I'll have to try this in the future.

In the past I have done either a wire through Western Union. It's easy, but with an amount as high as 1k I would go a different route.

I've also done bank wires for larger sums of money. This isn't so bad and has been my method of choice. You more or less need the banking/account information on the receiving end. It can take more time if anything.

Hmmmm...interesting idea with this Schwab account. I never thought of that.


"Let me tell you the secret that has led me to my goal. My strength lies solely in my tenacity. " ~ Louis Pasteur.

Met Online - 01/2010
Met in Person - 12/21/2010

Engaged - 12/31/2010

File - 07/26/2011

NOA1 - 08/02/2011

NOA2 - 12/22/2011 (e-mail notice)
Visa Approved - 03/13/2012

Married - 03/31/2012 <3

*Started the AOS process a bit late cuse I'm a slacker and suck

But, we've had no issues. It's coming along. Interview should

be shortly coming. Married life is great*

jest.gif

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My back then fiance PayPal me. I'm not sure if PP works for Paraguay. Wire transfer or Western Union are both secured too. For WU, she gets the $ in 15mins whilst wire transfer could take few days given all the routing information are correct.

Edited by CQ & CS

Our AOS Journey started:

Nov 06, 2010: CS & CQ got married in Las Vegas

Nov 26, 2010: AOS-EAD-AP package sent out

Nov 29, 2010: Package delivered at 1:12pm

Dec 10, 2010: Received text messages from USCIS regarding receipt numbers for AOS, EAD, and AP

Dec 14, 2010: Received three I-797C from mail

Dec 18, 2010: Touched

Jan 05, 2011: Received RFE for I-485 (email)

Jan 10, 2011: Received RFE for I-485 (hardcopy)

Jan 11, 2011: Sent response to RFE for I-485 (Fedex/UPS do not deliver to PO Box. Only USPS does and it takes 2 days even for Express Post)

Jan 13, 2011: Response to RFE delivered

Jan 14, 2011: Touched

Jan 15, 2011: Touched

Jan 18, 2011: Received Biometric Appointment letter in mail

Jan 21, 2011: Biometric Appointment (Walk-in Successful)

Feb 10, 2011: Biometric Appointment (Originally Scheduled)

Feb 12, 2011: Received 1st text/email for EAD card in production and AP was APPROVED

Feb 17, 2011: Received 2nd text/email for EAD card in production

Feb 18, 2011: Received 3rd text/email for EAD card has been mailed out

Feb 18, 2011: Received AP!!!! YAY!!!!

Feb 22, 2011: Received EAD!!!!

Feb 22, 2011: Received letter for 2nd fingerprints :(

Mar 17, 2011: 2nd fingerprints

May 02, 2011: AOS Interview Approved!!!!!!

May 07, 2011: Received "Welcome to America" letter

May 09, 2011: Received Green Card. Yay!!!!!

as1cHvOuM2B0010MDA3MjM5cHN8NDUyOTY1c3xIYXBwaWx5IE1hcnJpZWQ.gif

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I use Xoom.com for sending money to Colombia.

It's $4.99 per transfer regardless of amount (flat rate). Colombia has a $2999/mo limit, but that's probably country dependent. Not sure about Paraguay, but it's worth a look for the price.


N-400

Feb. 12, 2016 - Sent N-400 to USCIS (3-year rule)

Feb. 19, 2016 - NOA1

Mar. 14, 2016 - Biometrics

June 2, 2016 - Interview - Recommended for Approval

.

.

.

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What I did with my wife in China is set up Schwab brokerage and checking accounts and then sent her the atm debit card. I can transfer money to these from my bank account at no cost and she can withdraw money at any ATM in the world. There are no fees from Schwab for this and they advertise that they will reimburse any other banks atm fees to you. So far we haven't seen any transaction or currency exchange fees on the account and we have been doing it this way since August. Beats the heck of of the fees for WU, moneygram or bank wire.

Is the brokerage account necessary? And was the debit card in your name? This sounds pretty slick.


Paraguay2010076-1.jpg

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