western union questionier no more electronic trsnsfers

[belandchris 0]

western union would not allow me to send allowance to my fience this week while I was offshore, they insisted I fill out a questionier first. I been sending support for a year now and have a account with them. the question they want is how I known her, what she does with the money my income records her full name and address and phone, or no longer will I be able to send over internet to her. They claim that they are protecting their clients from scams they are stupid after a year of me using it and listing her as my fience. I was so angry im never using them again.

[fatblackcat 8]

Wire her the money from your bank account to hers (known as SWIFT). Most banks charge a flat rate of $40 per wire. Drop by your bank and ask them how to do it. You can also set it up for recurring wires.

[Tahoma 2,292]

Use Xoom.com

[belandchris 0]

I CAN STILL USE MONEYGRAM ITS ALOT CHEAPER THAN 40 BUCKS WOW , I just cant believe that they flagged it like that so crazy after over year customer

[TBoneTX 45,309]

*** Thread moved from Moving Here & Your New Life forum to the Philippines regional subforum -- OP's timeline indicates that the beneficiary isn't yet in the U.S. ***

[Wyatt Cox 16]

We use Xoom regularly. It is very reliable and inexpensive.

[DavenRoxy 1,073]

Get her an ATM card linked to a bank that refunds ATM fees each month. USAA is one, but there are several. Hands down the cheapest way to do it.

Next best is a credit union that is tied to MetroBank or other; sending cash from US to PI cash account is free. All you gotta deal with is withdrawing from teller in person, then exchanging cash for php on the street (usually better than bank rate).

[MizzyJhade 3]

My wife is setup on xoom.com for 2x a month transfer. She also have one of my BOA atm/debit/visa card. And a mastercard with $2500 limit that have her name because she's an authorized user.

Most US credit card company will let you add name without SSN as long as you tell them that she have the same address as you.

She can also access my online account so she can move money around, she's actually the one who pays all our bill via billpay.

[Greenbaum 12,259]

Xoom is a good company to use and also TransFast. I have used both and they work good and they don't charge and arm and a leg. Usually just $5.00 per transaction. I bank with Wells Fargo and use their transfer program it has never failed me and the money gets in her account and ready for use with in the hour.

[A and T 82]

Use Moneygram, costs about the same and can be picked anywhere here

[Greenbaum 12,259]

A and T, on 12 Jan 2014 - 04:17 AM, said:

Use Moneygram, costs about the same and can be picked anywhere here

MoneyGram is $9.99 to send from US to Phil and Xoom or many of the other's recommended were $5.00.

[DavenRoxy 1,073]

Use Moneygram, costs about the same and can be picked anywhere here

MoneyGram is $9.99 to send from US to Phil and Xoom or many of the other's recommended were $5.00.

Just tried to send $1000 using Moneygram, receiving in php. First, they charge a $16 fee. So I was only sending $984. Then, as with nearly all other methods such as Xoom and WU, their exchange rate is 1 peso lower than bank rate, so the person on the other end will get 43,047.24 php instead of 43,975.69. So you lose almost $21. $21 + $16 = $37 for your "cheap" money transfer...

[Greenbaum 12,259]

Just tried to send $1000 using Moneygram, receiving in php. First, they charge a $16 fee. So I was only sending $984. Then, as with nearly all other methods such as Xoom and WU, their exchange rate is 1 peso lower than bank rate, so the person on the other end will get 43,047.24 php instead of 43,975.69. So you lose almost $21. $21 + $16 = $37 for your "cheap" money transfer...

I was replying to A and T's quote and he was indicating that Moneygram was cheaper way of going when sending money to PI and I disagreed and pointed out that there were others who charged less. Of course, remember your actual mileage will vary depending on where you bank and who you use for bank transfers. It helps if you read a little more carefully.

I used another company called "TransFast" for 3 years and had great luck with them. I checked their website (for you) and on your transaction sending $1,000 USD would be converted to 43,800 PHP (Monday's rate) plus $4.99 transaction fee.

[X Factor 1,112]

Xoom is 7.99. For transfer of up to $2999.00 and the money gets there instantly in USD if you so desire

Edited January 13, 2014 by X Factor

[DavenRoxy 1,073]

I know Greenbaum. The only diff I saw with what you posted was the fee was higher, $16 vs. $9.99.

I was pointing out to A and T that moneygram is NOT "about the same price" as other methods.

Unless you are sending USD to USD, you not only have to consider the published fee, but the lower exchange rate as well. Most companies seem to charge about 1 peso per dollar, which makes it a little over $20 per $1000 sent. Send USD to USD, convert it on the street, and you may make a little, or break even. Rarely will you lose money that way.