Sending money to the Philippines

[damulag 26]

We have used western union, be carefull using your credit card as it will post as a cash advance, more fees from the cc company and you will most likely be paying a much higher interest rate on the cash advance and they might apply all payments to lower rate balances first.

We either use western union, emergencies or

Remithome.com they charge a $10 flate rate and deliver it to the house. The only drawback is that it takes 3 to 5 days.

Mike and Luvy

[JoelAndAnalyn 0]

Money gram is the best and cheaper than Western union by far. They have excellent services too.

Go to www.moneygram.com

How is Moneygram the best if Netbank is free and you don't even have to leave your house?

don't try to use your credit card with Moneygram, it can take forever to be available.

[Dean iWait 0]

Netbank. No international ATM withdrawl fee. I just transfer money from my account to a second account I setup for my wife and she can usually get the money immediately. Everything is totally free and I have checked the exchange rate she was getting a couple times and it was reasonable.

I don't know why anyone would do anything else. This is so easy and free. Only problem is getting the card there. I left mine there when I went over but you could send it Fedex.

So it's totally free when she withdraws money? No ATM transaction fee period?

[William33 110]

Yeah right, is anything free in this world!!

There is a catch, that would be the exchange rate...You will get banged up there. Big-time!!!!

Again, send your SO an ATM card, if you bank online, you can transfer money in seconds. Withdrawal fees vary, but it is much cheaper than Western Union.

I pay $1 per withdrawal, maximum USD400 per day. If you need to send more in one day, well, that is another story.

Netbank. No international ATM withdrawl fee. I just transfer money from my account to a second account I setup for my wife and she can usually get the money immediately. Everything is totally free and I have checked the exchange rate she was getting a couple times and it was reasonable.

I don't know why anyone would do anything else. This is so easy and free. Only problem is getting the card there. I left mine there when I went over but you could send it Fedex.

So it's totally free when she withdraws money? No ATM transaction fee period?

[JoelAndAnalyn 0]

Yeah right, is anything free in this world!!

There is a catch, that would be the exchange rate...You will get banged up there. Big-time!!!!

Last time I checked the exchange it was 52+. I didn't compare it to the regular exchange rate but I'm sure it's pretty close. Much better than $20 for WU. Bank of America was charging me $7.50 fee each time.

*** update ***

She got 1000 yesterday for $19.44. The forex says P52/$1 so I paid about $.77 for the transaction.

I'm not sure of the limit. The visa check card is $750 here in the US. I assume it's the same in the Philippines. Just have to make many, many withdrawls of P4000 (the limit in my wife's town).

Edited August 3, 2006 by JoelAndAnalyn

[readyroth 0]

I've already met my fiancee in person and started the K1 Visa process. I left her some money before coming back to the states but I need to send more to her.

I used Western Union Online once already sending about $100 USD as a test, which worked out perfectly. So then I go to send a $500 and they denied it. So I tried again with $100 USD, maybe the 500 was too high, but they continue to deny it. Very wierd. They want me to show up in person with the cash but Im trying to do this from the internet wity my Master credit/debit card.

So I do a google search and I find several companies/websites that offer similar services of transerfering money world wide, some specifically dealing with just Philippines.

Anyone else sending money to their fiancee by doing it online? If so which website/company would be recomended? For best, fastest, secure way of doing this? I want least hassel too but I understand the hassel is for fraud purposes.

Please advis, thanks.

You might check your credit card that youre using. I had that problem once. Although I had plenty of credit available, I had already maxed out the cash advance limit and couldn't send anything on Western Union until I paid it off. Check that or try a different card if you have one.

[geezer 1]

I use PNB web remit, door to door delivery. Its $10.00 and after using them for a little while you can send $500 a time.

[cycleserg 0]

Money gram is the best and cheaper than Western union by far. They have excellent services too.

Go to www.moneygram.com

I did a wire transfer from my bank to hers. It was secure, cheaper than Western Union but sounds like there are better ways.

[chellezy78 0]

try remithome.com

http://www.remithome.com/remithome/html/faq.htm

[yogib37 3]

I use PNB web remit, door to door delivery. Its $10.00 and after using them for a little while you can send $500 a time.

you can send more then $500. I have a friend that sent a lot of money thru PNB back to the Philippines.

[geezer 1]

I use PNB web remit, door to door delivery. Its $10.00 and after using them for a little while you can send $500 a time.

you can send more then $500. I have a friend that sent a lot of money thru PNB back to the Philippines.

Yeah other servicess of PNB let you send more. i was talking about daily limit for door to door

From PNB website

Is there a limit on the amount of remittance transaction?

Currently, there is a maximum limit of $500.00 per transaction. We are still in the process of evaluating the risks associated for online remittance hence the limit.

If you need to remit more than $500 you can initiate another transaction or you may visit one of our branches (see http://www.pnbrci.com for nearest branch).

[joone745 0]

i use www.xoom.com the money usually gets there in about 30mins and the fee is cheaper than westernunion

[TooBig 0]

We used xoom when she was there and when we send money to her Mom we still use xoom.

[BJZags 17]

I've used Visabuxx for my gal. The set-up fee is $12 and than it's $3 per transaction no matter how much you put into her account. Nice thing about it is the fact there is no wait-time for the money to be in her account once the initial linking of your account to the buxx card is established:

http://www.visabuxx.com/

[Glen Charles 0]

I use a debit card from my credit union. It cost $1 per transaction, but is limitted to about $75 (PHP 4000) per transaction by the operator of the ATM.

If you do this, make sure that the debit card is on either the PLUS or CIRRUS network.

With my card, it takes a minute to shift money from 1 account to the other, seemingly. But in reality, it is not available to withdraw until the end of the business day at the credit union.

Not that it matters much. I keep about $450 in that account, and she rarely goes through 100 in a week. It can be very cheap to live in the Philippines.

Edited August 25, 2006 by Glen Charles