went to the bank, confirmed that the smart card reader requirement for withdrawals is a business-account only thing. Also it’s getting phased out on the 12th! So don’t worry about it guys, if you aren’t affected yet you won’t be.
I did a test withdrawal and the fees charged to purely transfer money(no currency exchanges) using a credit card to either a US or Taiwan Paypal account are the same, around 5%. If you withdraw that money in the same currency to E.Sun there’s no further charges, but if you do a currency exchange during the withdrawal process you have another 2.5% charge, on top of the exchange rate spread I imagine.
Since E. Sun offers both US dollar and NTD accounts I imagine it would be more wise to withdraw the same currency, and then do a currency exchange at the bank, to avoid the 2.5% online fee, which I think comes from Paypal.