Sending money to the Philippines

[neenuh 0]

About the Wells Fargo ATM card...the $5. per transaction fee is the only fee. There are no hidden fees. With the current exchange rate, my fiancée can withdraw about $1025. at a cost of $25.

Tahoma, we have tried the debit account before. Still expensive in the long run, especially for multiple withdrawals. We find the remittance account the cheapest. The cost on the account holder is the $9 fee for every transfer. No charges for the withdrawals.

[bigbadbird 0]

After you setup a account with HSBC it has a place to transfer funds from another bank account.

I refuse to use XOOM again, I sent $300 to my fiancee and planed to use it on my trip over in the Philippines. After 10 working days the funds cleared and I was on the plane to the USA. She collected the funds after I was gone. On another trip I used only $100 becouse it always went right threw. That was the only time it did not go threw and the funds cleared the day I left Cebu. I understand if you use a credit card for the transaction it will not be delayed but the charges are much more for a credit card.

[Mike's Lucy 14]

My fiance is using Remithome.com. Very reliable. You have to choose a bank in the Philippines where remithome can forward the money (mine is DBP). It is cheaper. Once he send it, that same day I will get a text and an email from remithome and the next day from the bank. Usually takes 2-3 days.

[MikeMc 38]

I use Xoom, and have had zero problems (maybe the first time took a bit to get thru, but none after that).

I have it set to pull from my checking, and deposited into her account at BDO.

Usually always available with in 2 hours after I send it.

Sorry you are having so much trouble with them.

[Tahoma 2,298]

I'm having trouble finding a decent way to send money to the Philippines. I've tried a few different ways already.

Finally I went to my 2nd bank at Wells Fargo and set up an international remittance account to send money to Bank of Philippine Islands (BPI). They were retards at the bank, and didn't realize how it's done. They thought it could be done where I log into my account from the bank website. Didn't work, so then they called up customer server and realized the first transaction needs to be done at the bank. Ok, did that, but then still problems later. Finally found out need to go into the bank every time, or make a phone call to customer service every time I want to transfer money. Big hassle. Then later, for no reason, I notice my remittance account is closed. Maybe cause I wasn't using it enough? I don't know.

Going thru a local branch here seemed to be the most secure and cheapest way, but had way too much hassle and sometimes didn't work. Going thru websites was easier, but more expensive.

I am trying to send a large ($1-3k) at a time. About to start building a house over there for about $10k which might take 3-4 months to build. I assume all this paperwork stuff is ways for the government to find more ways to tax me or something, dunno. Banks and websites getting real paranoid with large amounts of cash. Just same, its not like I'm trying to transfer $100k or anything.

Are there any other websites that are easy and inexpensive? I'm tired of jumping hoops and paying big fees just for trying to send money. Worse case senario is send more money thru Lucky Money using my credit card and paying the big cash advance fee again, just to get by until I figure this out.

Who else sends money to the Philippines? (I bet everyone that is petitioning a Filipina) Whats the best way to send/rec money?

Sorry for the long read. Hope some others can relate and advise to what I'm going thru here.

Hi HappyHardcore!

My husband and I have been using a Wells Fargo remittance account that was set up over two years ago. It is by far, out of all the other means we have tried, the cheapest and fastest way to "send" money.

Basically, this is what happens when you have the WF remittance account --- you "move" money from one of your accounts, like checking or savings, to your remittance account. The ATMs here in the Philippines (BPI, HSBC, Metrobank or whichever machine has the Plus logo) access that particular account with the WF remittance card.

However, my husband does not need to visit a branch to do this because he is able to do this online. You need to sign up for the WF online banking.

Signing up is free, by the way. Click here to sign up, in case you want to. I suggest you look into it, especially if you plan to send money to the Philippines regularly.

Once enrolled, you can do online transfers to the remittance account. Each transfer, whether it is $1 or $1000, is a $9 fee. Regardless of amount transfered. When the remittance card is used in the Philippines, the money comes from that account and that account only. So if that remittance account doesn't have any money in it, then nothing can be withdrawn from it. Thus, there's no way to access the money in the checking/savings account through the remittance card.

The best part is there are no fees for withdrawals, thus multiple withdrawls can be done, or up to the daily withdrawal limit, which is set by WF (for security reasons). Unlike the debit account explained by Tahoma, which has a $5 fee for every withdrawal, the remittance account has none. You are only charged with the $9 fee for every money transfer, as I mentioned earlier. I also want to point out that the current conversion rate affects the amount in the remittance card at the time of withdrawal.

You mentioned about an existing remittance account. I'm not sure what you can do with that. You might as well just request to create another one and send the remittance card to the Philippines once you have it.

Once everything is set up, there's no need to go to the bank or make a phone call to customer service every time you want to transfer money to the remittance account. It really is hassle-free for us. I am surprised this was not explained to you by the WF representative.

I hope this helps. Good luck!

Hi neenuh...

Thank you for sharing your experience with your Wells Fargo remittance account. Your remittance account, along with your remittance card sounds like a good deal. By the way, a few months ago I looked into something called the Wells Fargo "Global Remittance Account" at my local Wells Fargo Branch, and they may have given me some wrong information about it. I wonder if they were talking about the same type of remittance account that you are describing.

First, they never told me that an online transfer from my Wells Fargo account into a remittance account would cost $9. per transfer. They allowed me to assume that the transfer would be free.

Second, they never told me about the remittance card. They explained to me that the way my fiancée would receive the money is only if she stood in line at her bank in the Philippines. There, she could withdraw money from the remittance account and deposit it into her account at BPI. They said that the money would not be accessible from an ATM. This was the real deal breaker for us.

Third, I was willing to live with the $5. per withdrawal fee, since my fiancée would not be withdrawing very often. Normally, she would withdraw P10,000. (about $200.), which is the single-withdrawal limit at most cash machines in the Philippines. This amount would last her quite a while. She never used the ATM card for small withdrawals, as it would become very expensive at $5. per transaction. This suited our purposes nicely.

Like your remittance account, transferring funds from my Wells Fargo account into our joint account is, of course, very quick and easy since I also use their online banking. It sounds like the same as your remittance account. However, it cost me nothing to transfer funds from my account into our joint account. The only cost that we incur is her $5. per transaction withdrawal fee.

One thing we like about our Wells Fargo ATM card is that it is widely accepted at ATMs in the Philippines. It is accepted at any ATM which has the "Plus" logo, the "Star" logo, the "Interlink" logo, and the "Instant Cash" logo.

Also, like your remittance account, the conversion rate when using our ATM card is the conversion rate at the time of withdrawal.

Another thing we like about our joint account is the fact that it would help prepare us for my fiancée's Adjustment of Status. Our joint account has both of our names on it. Is that similar to the remittance account?

I have a feeling that my local Wells Fargo bankers need some training on the details of their remittance accounts.

Thanks for your posting.

[Prostreet71 0]

I opened up an account at Washington Mutual and got two debit cards. I kept one here and sent the other one tp the Philippines. I called the number on the back of the card and told them I do alot of business in the Phillipines and do not put a hold on the account if they see transactions from there. It works like a charm. When I want to send her money I just add it to the account and she goes to the bank machine overthere and withdrawls it. The bank charges $.10 (10 cents) for every $10. When she withdrew $100 us dollars in Pesos it cost. $1 with no other charges.

[Tahoma 2,298]

I opened up an account at Washington Mutual and got two debit cards. I kept one here and sent the other one tp the Philippines. I called the number on the back of the card and told them I do alot of business in the Phillipines and do not put a hold on the account if they see transactions from there. It works like a charm. When I want to send her money I just add it to the account and she goes to the bank machine overthere and withdrawls it. The bank charges $.10 (10 cents) for every $10. When she withdrew $100 us dollars in Pesos it cost. $1 with no other charges.

This sounds like the best deal yet! This is exactly what I am doing at Wells Fargo...except your deal is a lot cheaper. I'm paying $5. per every $205. withdrawn at a Filipino ATM.

Also, thank you for noting the importance of calling the customer service telephone number on the back of the card in order to alert the bank that the card will be used in the Philippines. That way, you make sure that the card will be honored in the Philippines. I did the same thing with my visa card before I visited the Philippines last August.

There is also another way that my fiancée and I could have gotten by cheaper. I could have joined a credit union in the U.S. and then she could have used their ATM card for free. We did not go that route because she was not going to be there that long. We are now together here in Seattle.

[luck-e and Kookie 0]

I'm having trouble finding a decent way to send money to the Philippines. I've tried a few different ways already.

1. My first attempt years ago was Western Union, way too expensive.
2. Then I been using Lucky Money until one day they decided to stop using my checking account, or it was my Citizens Bank that started to refuse, so I had to start using a credit card, which gets me the cash advance fee, again too expensive.
3. Finally I went to my 2nd bank at Wells Fargo and set up an international remittance account to send money to Bank of Philippine Islands (BPI). They were retards at the bank, and didn't realize how it's done. They thought it could be done where I log into my account from the bank website. Didn't work, so then they called up customer server and realized the first transaction needs to be done at the bank. Ok, did that, but then still problems later. Finally found out need to go into the bank every time, or make a phone call to customer service every time I want to transfer money. Big hassle. Then later, for no reason, I notice my remittance account is closed. Maybe cause I wasn't using it enough? I don't know.

Going thru a local branch here seemed to be the most secure and cheapest way, but had way too much hassle and sometimes didn't work. Going thru websites was easier, but more expensive.

Limits:

Lucky Money: $1k/month

Xoom: $3k/month

Wells Fargo: $3k/day

So now I'm trying Xoom and having problems.

1. I tried Citizens bank first, with routing number and account number off my checks, but transaction canceled with no reason. So I contact them and they need to verify my ID with copy of this and that. So ok, I did that, verified my ID, but transactions still canceled. I call up Xoom again asking what the problem is and they said I need to tell my bank to authorize the withdraw. So I call up my bank customer service, and they said go into a local branch to sign authorization. So I go to a local branch, and they are unaware of any papers to sign for authorization. I explained how the websites worked, with routing/account number, etc etc, but my bank insisted that pre-auth is not required if I have the routing and account number. So I asked if there is daily limits? They said no.
2. Went back home and tried my 2nd bank Wells Fargo using checking account routing/account numbers, same problem, withdraw/transfers being rejected.
3. Tried to use Paypal, which is linked to my Citizens Bank and been using that paypal for years now with random ebay shopping. I didn't want to go this route cause its $40-60 fee to send when funds come thru Credit Card or Paypal when transfering from Xoom. But now even Paypal is is flipping out saying that Im spending too much.

I hear the post office can offer services, but only up to $2k/day and anything over $1k for single transaction needs paperwork to fill out. I'm not interested in filling out paperwork.

I am trying to send a large ($1-3k) at a time. About to start building a house over there for about $10k which might take 3-4 months to build. I assume all this paperwork stuff is ways for the government to find more ways to tax me or something, dunno. Banks and websites getting real paranoid with large amounts of cash. Just same, its not like I'm trying to transfer $100k or anything.

Yes, I have more than enough funds in my accounts. My credit cards are used each month, and paid in full, with zero balance again. My credit scores are around 815. What is the problem with using my own cash? Its not like I'm applying for a loan, or lower interest rate. Its cash!

I remember long time ago hearing about some bank that has an ATM card that can be used around the world with little or no fee for withdraw. Is that possible? What bank would let me to create an account over here, then maybe FedEx the ATM card to my Filipina so she can withdraw the amount I put in?

Are there any other websites that are easy and inexpensive? I'm tired of jumping hoops and paying big fees just for trying to send money. Worse case senario is send more money thru Lucky Money using my credit card and paying the big cash advance fee again, just to get by until I figure this out.

Who else sends money to the Philippines? (I bet everyone that is petitioning a Filipina) Whats the best way to send/rec money?

Sorry for the long read. Hope some others can relate and advise to what I'm going thru here.

Hi,

I work with PayPal for 2 and a half years so I used this route when my fiance was sending money. We also use it when he is here in the Philippines sending money to his US bank to pay his loan monthly. I understand that you have some sending limits every month that will be unlimited when you get verified. All you got to do is to have you PayPal account Verified. You may choose to request for a PayPal Debit Card, send it to the philippines have your bank account as the back up funding source for your PayPal debit card. But keep in mind that if he is withdrawing money from an ATM machine, you need to have a balance on your PayPal account. But if she swipes the card, the back up funding source will kick in. (though honestly, there are some 'bugs' that is not letting the back up funding source work) thats what they call RISK MODEL. its a jargon but thats their term for that if you cannot use your back up funding source.

second option is, create her a Philippine PayPal account, add your checking or savings account, verify the random deposits. Have her apply for an EON card at unionbank please check https://www.unionbankph.com/default.html on how she can apply here. Thats the only visa debit card that can be added and verified on a Philippine Paypal account that can be used to pay online, withdraw money from her PayPal account as well. though its expensive to withdraw the added funds from your bank account to her PayPal account using this EON card. but thats just an option thru PayPal.

third option is applying for an LBC padala or remitance account. That will send your fiance an ATM card in the philippines. regardless of how much you are sending it only cost $10. she can only withdraw Php20,000 out of the card every day but can go to any LBC branch in the philippines to withdraw the full amount u sent her on that same day.

the two options i would recommend is let her have a debit card from your bank, dont have her withdraw money from an ATM machine, instead swipe the card instead. you dont need to pay anything to send her the money, exchange rate even better, though there is an international transaction fee of around a dollar or two. and the other option is thru LBC remittance since regardless of the amount you send her, you only pay a fixed amount to send her the money and its real time. PM me if you need further expanation.

[neenuh 0]

Hi neenuh...

Thank you for sharing your experience with your Wells Fargo remittance account. Your remittance account, along with your remittance card sounds like a good deal. By the way, a few months ago I looked into something called the Wells Fargo "Global Remittance Account" at my local Wells Fargo Branch, and they may have given me some wrong information about it. I wonder if they were talking about the same type of remittance account that you are describing.

First, they never told me that an online transfer from my Wells Fargo account into a remittance account would cost $9. per transfer. They allowed me to assume that the transfer would be free.

Second, they never told me about the remittance card. They explained to me that the way my fiancée would receive the money is only if she stood in line at her bank in the Philippines. There, she could withdraw money from the remittance account and deposit it into her account at BPI. They said that the money would not be accessible from an ATM. This was the real deal breaker for us.

Third, I was willing to live with the $5. per withdrawal fee, since my fiancée would not be withdrawing very often. Normally, she would withdraw P10,000. (about $200.), which is the single-withdrawal limit at most cash machines in the Philippines. This amount would last her quite a while. She never used the ATM card for small withdrawals, as it would become very expensive at $5. per transaction. This suited our purposes nicely.

Like your remittance account, transferring funds from my Wells Fargo account into our joint account is, of course, very quick and easy since I also use their online banking. It sounds like the same as your remittance account. However, it cost me nothing to transfer funds from my account into our joint account. The only cost that we incur is her $5. per transaction withdrawal fee.

One thing we like about our Wells Fargo ATM card is that it is widely accepted at ATMs in the Philippines. It is accepted at any ATM which has the "Plus" logo, the "Star" logo, the "Interlink" logo, and the "Instant Cash" logo.

Also, like your remittance account, the conversion rate when using our ATM card is the conversion rate at the time of withdrawal.

Another thing we like about our joint account is the fact that it would help prepare us for my fiancée's Adjustment of Status. Our joint account has both of our names on it. Is that similar to the remittance account?

I have a feeling that my local Wells Fargo bankers need some training on the details of their remittance accounts.

Thanks for your posting.

Hi, Tahoma!

You're welcome! Thank you for your meaningful posts, too

My husband and I used to pull out money through the debit account (for one whole frickin year!), and yes, we were charged $5 for every withdrawal. We weren't really willing to live with that fee, but we had no choice at that time. Even though we scheduled our withdrawals (along with our monthly budget considerations), there were unavoidable circumstances that forced us to do "unscheduled" withdrawals.

Then we discovered about the remittance account. We do a one time transfer monthly, which costs us $9 only, and that's it. My husband and I haven't encountered any problems with it (like with transferring funds online and withdrawing from the local machines here). I plan to leave the card with my parents, so I can easily send them money if I have to (yay to Filipino culture).

As for the name that appears on the remittance account, well, the account is still under my husband's name. It has a remittance card linked to it, and the card has my married name on it.

I'm sure there are other cheaper ways to send money to the Philippines. However, I was going along the idea that since the OP already has the existing WF account, they could just work around what they already have, instead of creating another account with another financial institution. At least they can just transfer funds "internally" or something.

I'm not sure if my husband signed up for the Global Remittance Service, but in order to sign up, he called WF customer service and told them specifically what he wanted. It could also be that WF has already changed their remittance services?

Definitely a good idea to inform your bank about withdrawal activities in the Philippines. The Philippines is listed under "high fraudulent activity" (or something), and when your bank notices any large or frequent transactions done within the country, they may put a hold on the account, for security purposes. It's actually a good thing, but not when you're about to pay for something and you realize your card is suspended/locked

[Tahoma 2,298]

Hi neenuh...

Thank you for sharing your experience with your Wells Fargo remittance account. Your remittance account, along with your remittance card sounds like a good deal. By the way, a few months ago I looked into something called the Wells Fargo "Global Remittance Account" at my local Wells Fargo Branch, and they may have given me some wrong information about it. I wonder if they were talking about the same type of remittance account that you are describing.

First, they never told me that an online transfer from my Wells Fargo account into a remittance account would cost $9. per transfer. They allowed me to assume that the transfer would be free.

Second, they never told me about the remittance card. They explained to me that the way my fiancée would receive the money is only if she stood in line at her bank in the Philippines. There, she could withdraw money from the remittance account and deposit it into her account at BPI. They said that the money would not be accessible from an ATM. This was the real deal breaker for us.

Third, I was willing to live with the $5. per withdrawal fee, since my fiancée would not be withdrawing very often. Normally, she would withdraw P10,000. (about $200.), which is the single-withdrawal limit at most cash machines in the Philippines. This amount would last her quite a while. She never used the ATM card for small withdrawals, as it would become very expensive at $5. per transaction. This suited our purposes nicely.

Like your remittance account, transferring funds from my Wells Fargo account into our joint account is, of course, very quick and easy since I also use their online banking. It sounds like the same as your remittance account. However, it cost me nothing to transfer funds from my account into our joint account. The only cost that we incur is her $5. per transaction withdrawal fee.

One thing we like about our Wells Fargo ATM card is that it is widely accepted at ATMs in the Philippines. It is accepted at any ATM which has the "Plus" logo, the "Star" logo, the "Interlink" logo, and the "Instant Cash" logo.

Also, like your remittance account, the conversion rate when using our ATM card is the conversion rate at the time of withdrawal.

Another thing we like about our joint account is the fact that it would help prepare us for my fiancée's Adjustment of Status. Our joint account has both of our names on it. Is that similar to the remittance account?

I have a feeling that my local Wells Fargo bankers need some training on the details of their remittance accounts.

Thanks for your posting.

Hi, Tahoma!

You're welcome! Thank you for your meaningful posts, too

My husband and I used to pull out money through the debit account (for one whole frickin year!), and yes, we were charged $5 for every withdrawal. We weren't really willing to live with that fee, but we had no choice at that time. Even though we scheduled our withdrawals (along with our monthly budget considerations), there were unavoidable circumstances that forced us to do "unscheduled" withdrawals.

Then we discovered about the remittance account. We do a one time transfer monthly, which costs us $9 only, and that's it. My husband and I haven't encountered any problems with it (like with transferring funds online and withdrawing from the local machines here). I plan to leave the card with my parents, so I can easily send them money if I have to (yay to Filipino culture).

As for the name that appears on the remittance account, well, the account is still under my husband's name. It has a remittance card linked to it, and the card has my married name on it.

I'm sure there are other cheaper ways to send money to the Philippines. However, I was going along the idea that since the OP already has the existing WF account, they could just work around what they already have, instead of creating another account with another financial institution. At least they can just transfer funds "internally" or something.

I'm not sure if my husband signed up for the Global Remittance Service, but in order to sign up, he called WF customer service and told them specifically what he wanted. It could also be that WF has already changed their remittance services?

Definitely a good idea to inform your bank about withdrawal activities in the Philippines. The Philippines is listed under "high fraudulent activity" (or something), and when your bank notices any large or frequent transactions done within the country, they may put a hold on the account, for security purposes. It's actually a good thing, but not when you're about to pay for something and you realize your card is suspended/locked

Hi neenuh...

I got a chuckle from what you said about leaving your card with your parents when you leave the Philippines! I told my Wells Fargo banker that we planned to leave my fiancée's ATM card with her mother when my fiancée left the Philippines. He just smiled at me and told me that he "didn't hear that." I guess that's because the only names on the joint account are my name and my fiancée's name. Apparently, no one else is authorized to use the card.

We ended up not leaving the card with her mother for other reasons, so everything worked out fine anyway. We will make a decision later on how we will send remittances to her mother.

Ingat...

~ Tahoma & Chinook

PS...oo...haha..yay Filipino culture!

[happywifeymom 4]

I'm having trouble finding a decent way to send money to the Philippines. I've tried a few different ways already.

1. My first attempt years ago was Western Union, way too expensive.
2. Then I been using Lucky Money until one day they decided to stop using my checking account, or it was my Citizens Bank that started to refuse, so I had to start using a credit card, which gets me the cash advance fee, again too expensive.
3. Finally I went to my 2nd bank at Wells Fargo and set up an international remittance account to send money to Bank of Philippine Islands (BPI). They were retards at the bank, and didn't realize how it's done. They thought it could be done where I log into my account from the bank website. Didn't work, so then they called up customer server and realized the first transaction needs to be done at the bank. Ok, did that, but then still problems later. Finally found out need to go into the bank every time, or make a phone call to customer service every time I want to transfer money. Big hassle. Then later, for no reason, I notice my remittance account is closed. Maybe cause I wasn't using it enough? I don't know.

Going thru a local branch here seemed to be the most secure and cheapest way, but had way too much hassle and sometimes didn't work. Going thru websites was easier, but more expensive.

Limits:

Lucky Money: $1k/month

Xoom: $3k/month

Wells Fargo: $3k/day

So now I'm trying Xoom and having problems.

1. I tried Citizens bank first, with routing number and account number off my checks, but transaction canceled with no reason. So I contact them and they need to verify my ID with copy of this and that. So ok, I did that, verified my ID, but transactions still canceled. I call up Xoom again asking what the problem is and they said I need to tell my bank to authorize the withdraw. So I call up my bank customer service, and they said go into a local branch to sign authorization. So I go to a local branch, and they are unaware of any papers to sign for authorization. I explained how the websites worked, with routing/account number, etc etc, but my bank insisted that pre-auth is not required if I have the routing and account number. So I asked if there is daily limits? They said no.
2. Went back home and tried my 2nd bank Wells Fargo using checking account routing/account numbers, same problem, withdraw/transfers being rejected.
3. Tried to use Paypal, which is linked to my Citizens Bank and been using that paypal for years now with random ebay shopping. I didn't want to go this route cause its $40-60 fee to send when funds come thru Credit Card or Paypal when transfering from Xoom. But now even Paypal is is flipping out saying that Im spending too much.

I hear the post office can offer services, but only up to $2k/day and anything over $1k for single transaction needs paperwork to fill out. I'm not interested in filling out paperwork.

I am trying to send a large ($1-3k) at a time. About to start building a house over there for about $10k which might take 3-4 months to build. I assume all this paperwork stuff is ways for the government to find more ways to tax me or something, dunno. Banks and websites getting real paranoid with large amounts of cash. Just same, its not like I'm trying to transfer $100k or anything.

Yes, I have more than enough funds in my accounts. My credit cards are used each month, and paid in full, with zero balance again. My credit scores are around 815. What is the problem with using my own cash? Its not like I'm applying for a loan, or lower interest rate. Its cash!

I remember long time ago hearing about some bank that has an ATM card that can be used around the world with little or no fee for withdraw. Is that possible? What bank would let me to create an account over here, then maybe FedEx the ATM card to my Filipina so she can withdraw the amount I put in?

Are there any other websites that are easy and inexpensive? I'm tired of jumping hoops and paying big fees just for trying to send money. Worse case senario is send more money thru Lucky Money using my credit card and paying the big cash advance fee again, just to get by until I figure this out.

Who else sends money to the Philippines? (I bet everyone that is petitioning a Filipina) Whats the best way to send/rec money?

Sorry for the long read. Hope some others can relate and advise to what I'm going thru here.

Been using Moneygram fo r6 years and never had a problem ever. It works like Western Union only lesser charge, $9.46 up to $500.

[andrew&evelyn 6]

Hubby used Xoom.com every month to send money to my parents. We only encountered problem one time when we send more than 3k...beside that everything is OK with Xoom that is base in our experienced.

Evelyn

[Eternal Love 2]

Haven't had any problems sending money thru XOOM.COM whether picking it up or home delivery. It's always been reliable.

[raquel_1208 1]

I once tried using xoom because they are one of the cheapest in transfer fees but they make it up for the exchange rate that they use because its lower compared to citibank money card so I changed my mind and did not use xoom anymore.

[Michael and Milahjean 0]

We have been using PNB Rapid Remit via internet for a while with no troubles. See link below for fees, which are very low. My asawa had her father open a peso ATM account at a nearby PNB branch, so they grab what they need with their ATM card. We load up the account monthly from my checking account. The funds transfer takes about 4-5 days. Works good for us!!

M&M

http://www.pnbrcionline.com/docs/newrates.html