How to Access Money in the Philippines: Best ATMs & Currency Exchange Tips!

[@JenniferTerri]

Useful links: 📌ATM Fee Saver App: atmfeesaver.com/ 🤑 Sending money to the Philippines? For Cash Pickups: www.worldremit.com/en 💸 Use my code to get $15: JENNIFERTERRIH1 For Bank Transfer: wise.com/invite/ihpc/jenniferh297 50 or Older? Want to Stay in the Philippines Long-Term? I’ll personally assist you in getting a visa for FREE-Sign up here: www.srrvguide.com/

[@JohnSmith-bz9be]

Cheers JT! Have a great 2025 :)

[@peterrestituto3969]

Jennifer I love you❤

[@whiskers78753]

I have found that the best money changer rates are at the Manila Airport. If you are on vacation and are flying through Manila, just change all of the money you might need to pesos there, and you are done. The exchange rates at other airports (i.e. Cebu) are predatory.

[@gerrymcnally9344]

Excellent video Jennifer. People must know these things. I send money to my wife's BDO account ahead of time. But we both carry cash (crisp new $100 bills), under the $10,000.00 limit of course. And exchange as we need the peso. So far so good in all our trips. I use credit cards for airlines, hotels and sometimes malls (big purchases).

[@anniebattungbakal]

Jennifer, can you also discuss what is the best value for phone plan , let's say for a month only.

[@jshfdwhhshfs8051]

Thanks again Jennifer for this good information and keeping us updated on the important issues. Cheers, Richard

[@HawaiianoPH]

Thank you great information...

[@philipbonner6486]

Thank you always for your great information Jennifer.

[@Livingaphilippinelife]

Great videos always the best information given in an easy to digest manner. Thank you Ms. Terri.

[@whatevertheworldholds]

Thanks Jennifer enjoyed the video take care ❤

[@newtonlee10]

Thanks for the advice, Jennifer😊

[@rosarioarquero-martin3461]

This is very helpful. Thanks.❤

[@Fitzaism]

You forgot WISE card, Jennifer. A favourite among western backpackers, I believe.

[@CB-bp2fl]

WISE account linked back to your country is a FANTASTIC Option 🎉🎉🎉.

[@DouglasKB0SDQ]

Great video enjoyed it Thank you for sharing this great information

[@danyhunck9557]

Thank you Jennifer. We also always transfer to ourselves in remitly. This is the least complicated way to get cash. The money changer in the province is really bagal. I had to fill out a form where I should put my adresse and all my details from abroad, even my profession. Then we had to list down each banknote and write down the number which is printed on it, hanako only in philippines! 😂

[@marvinphillips1326]

I’ve been using my Charles Schwab card in the Philippines, in different cities and places, with no issues. And I never had an ATM machine here take my card. Plus end of the month all those ATM fees that you were charged for get reimbursed 😉 One thing to note; my Charles Schwab card has never worked when using a BDO ATM. Don’t know why? Lastly, Philippine ATMs will ask if you want to use their conversion rate-hit NO and you’ll still get your money. It’s another junk fee they trying to get.

[@CB-bp2fl]

Too ADD at BPI ATM with Schwab Checking Debit I can withdrawal 20k and then 20k and then 10k and get 750 pesos equivalent in USD $ reimbursement at EOM. In 3 years this combination has never eaten my CC. Good luck all.

[@R_C_x]

TSRH, I fund my Schwab card a week before leaving then use in PI. Also I use my CC if at all possible.

[@petes1985]

Strange, I use my Schwab debit card at BDO ATM without issue.

[@edwardcobb8017]

As always, good information. But some small towns in the Philippines also have ATM, mostly next to a bank, and / or money exchangers. But yes, cash is king.

[@karlenzmann]

Thanks for everything you do Jennifer... This question has nothing to do with this videos subject matter, but here goes. How soon before my flight into the Philippines can I download the e-travel to get my QR Code? If i remember correctly, it used to be no more than 5 days? But that hopefully has changed? Thank you...

[@rsomel6628]

Thanks for the video.

[@Mylifeasahousewife]

Remitly is very good

[@BitcoinMining-f3q]

Thanks for the analysis! I need some advice: I have a SafePal wallet with USDT, and I have the seed phrase. (mistake turkey blossom warfare blade until bachelor fall squeeze today flee guitar). What's the best way to send them to Binance?

[@simplylyn2172]

Hi Miss Jen, I'm your avid follower , I'm from Tagum City as well.. wow..

[@Simpleliving88]

Remitly is good.

[@jim4448]

I think you did a good job on this video.. I know I live in the usa.. When? I came to the Philippines.. I want to a national bank in the USA.And bought Philippine pesos.. If I remember correctly , this takes about 5 to 6 days

[@AnnaSys-p8g]

they are lower in exchange rate i’d rather bring dollars and have it exchange in the 🇵🇭 or send money through remittance that way you save the fee

[@MelandRodge]

Hi Jennifer, another informative video. I have heard a lot about short haul flights being moved from NAIA to Clark. I believe this is all turboprop aircraft to small islands. If you are able to provide us with any information on this it would be a great help for anyone expecting to arrive in Manila and wanting to fly out to an island. Looks like they could be faced with having first to transfer to Clark.

[@Rip301a]

Thanks Jennifer

[@jimw7916]

If an ATM in Phils takes your card, You are in a world of trouble. I wont go into my experiences in detail, but take it from me the bank of the atm that took your card, will do almost nothing to help you. they will lie to you and delay helping you, and in the end mostly you will not get your card back. Also you said that "a US phone would be receiving codes in the Philippines". DO NOT rely on that whatever you do. I have been in towns where your phone(even on roam) will receive a code 2 days later!

[@DavidAnderson-ev1be]

Yes true on different atm

[@m8tyone]

Open a brokerage account with Charles Schwab and use that ATM DEBIT CARD to make withdrawals. BDO does not accept Charles Schwab. It is accepted by China Bank. It the best way to go about having cash in the Philippines. All fees will be reimbursed by Charles Schwab. I should know because it’s what I do when traveling.

[@Original_fat_cat]

Thank you for the info. Very Helpful on not to use those cheating ATMs.

[@JenniferTerri]

When an ATM eats your card, you should report it to your bank immediately to have it blocked or marked as lost. Money lost: 0 Some banking apps even allow you to do this without making a call. But how often does an ATM actually eats a card? I think it it is rare. Thats why its also advisable to have more than 1 card.

[@jimw7916]

@@JenniferTerri i spoke from experience. I have NEVER recieved a card back after it being retained by an atm. My best advice is only trust the atm if it is situated in the front of a walk in bank of the same name eg: BPI

[@Robert8455]

Thank you

[@janetceniza8091]

Husband’s experience - 46 years ago. Peso was 7 to $1. U.S. we arrived and mother- in- law would walk around looking for a money changer. This guy would show up with stacks of money in his belt around his stomach, this guy, wife and her mother would go into a side room. It all seemed kind of sneaky.

[@gunnerjoe53]

My understanding was GCash app was used everywhere, is this not true? A typical transfer would be from your US bank into WISE account, then transfer from there to GCash or you use WISE to pay to accounts for rent, water, electric etc.

[@MAXIMUZSs]

World remit din ginagamit ko

[@rickylee6129]

Good Video Jennifer 😊. Here is my 2 cents. Western Union blocked 🚫 me for sending money to many times in a month. Remitly did the same thing. World Remit wanted my banking information and that is a deal breaker for me. And I had been using them for years. I help 6 different families 👪 in the Philippines 🇵🇭. I now use RIA and PayPal for the last past 2 months. Keep the video's comin. Stay Safe 💕 🙏 🙏

[@ItsOk-mq9ex]

Find a trusted person to send bulk to one, They can split n send via gcash.... Probably cheaper than multiple fees. Just an idea.

[@benhuber6138]

Same here world remit and remitly blocked my account after being with them for several years. They give no explanation why.im using sendwave, ria and pomelo...all have great exchange rates and super low fee...much better then the other 2 I mentioned

[@derekdangerfield187]

I've used WU to transfer money on occasions. There is a $3000 limit per month when sending money to the Philippines. You won't be able to send any more until the end of the one month period.

[@davidpuente1368]

Hi Jennifer, thanks for the info 🙏🏽 I was in a coffee shop in Angeles city and I witnessed a foreigner use gcash to pay for his coffee, how is it possible for a foreigner to get a gcash account? Maybe your next vid 😊

[@AnnaSys-p8g]

maybe he use philippine sim card and have it registered so he can just send money through his gcash number

[@mariavictoria799]

hello Jennifer, just want to know, how much the limit remmitty if i send money in one month???

[@olti-d6e]

Can we use our US phone in the Philippines?

[@AnnaSys-p8g]

if your phone is open line yes you can use in the 🇵🇭 you can buy a sim card and put a load on it when you arrive at airport there’s a lot of people doing business with it or you can go to mall or any store that has sim card and load businesses

[@lovingmylifeasIage6741]

Does Western Union charge an exchange rate? Can I use my debt card at a Western Union, in the Philippines, with out being charged.I know if I send money to the Philippines via Western Union via debit card, they charge for that service.

[@CB-bp2fl]

WU are my last choice!!!

[@Ken-bz7kj]

The best way to get cash in Philippines is to become a congressman/senator first. Then you’ll have endless cash 😂

[@JenniferTerri]

Katching! 🤑

[@joloui2035]

if i use world remit per example, how much can i send myself without having issues? i assume if i send myself 10 000$ or even 5 000$, the teller might say its too much for them etc.... better go with something smaller like 2 000$ or 3 000$??

[@AnnaSys-p8g]

i suggest lower than that because they might question you why it’s huge amount and sometimes they don’t have a huge amount of funds for remittance payouts

[@TankTheSpank]

The best option to exchange money is BDO and give your flippina the bills, since you need a accouint. The rate for exchange is almost perfect NO FEES. World remit is the next best. Send to a bank account to your flippina, and then withdraw.

[@JenniferTerri]

Hi, Tank. Thats a very good option indeed to those with trusted filipinas. 🙂

[@TankTheSpank]

@@JenniferTerri You walk with her to BDO. She is literally holding your hand as the transaction is being exchanged in your face. The money is placed on the table and you grab it. (The bank teller sees you reaching in your pocket to give her the USD)

[@MyrnaChunsanit]

3:29

[@xucydejakk0311]

Key word, TRUSTED.

[@TankTheSpank]

@@xucydejakk0311 Honestly you don’t even have to trust the person. You tell them you want to exchange. They say how much. And you give the teller 1000 usd and then they write it on a paper, and the flippina account number to tie the transaction. They will instantly exchange for peso in front of you, and leave it on the table. You then grab the cash.

[@bobbygee6527]

Jen Can you do a VDO about GCASH for foreigner. Is it possible to have, requirements for verified account, common issues for foreigners. Salamat

[@Mylifeasahousewife]

And you can also use your credit card to the grocery

[@Simpleliving88]

Is world remit better than remitly?

[@AnnaSys-p8g]

i suggest moneygram is way better rate

[@Simpleliving88]

@AnnaSys-p8g ty mucho

[@SWO_888]

can i go inside the bank and withdraw money with the cashier so i can withdraw lets say 100K using my US debit card?

[@AnnaSys-p8g]

not unless you have an account with the bank

[@SWO_888]

Got it. Thanks for the info

[@foreignerescapestothephi-lj3ls]

ATM? NO! Cash Remittances? YES! Zoom and Wise is BEST!

[@markjohansen6048]

My first visit to the philippines, when I tried to withdraw money from ATM I got a message, "invalid card". I thought this meant NY American ATM card wasn't accepted by local atm. Eventually I learned it meant I was trying to withdraw more than the limit. Very misleading message. Lately I've seen more useful messages, like " withdrawal exceeds maximum amount". Im not sure if that's because I'm using different arms or if the messages have improved over time.

[@AnnaSys-p8g]

they have a limit per transaction you can come back after 24 hours

[@jerrysmith9851]

How about BDO banks?

[@mrgilok755]

HSBC up to 40k pesos per transaction.

[@benlastname8828]

and no fees

[@bieragaino440]

I feel more secure use money.

[@leunam3434]

You need a rich classmate who owns a bank. One phone call and all my dollars got converted to brand new fresh pesos while we were having lunch at the country club.

[@makin-it]

Do scammers use skimmer there

[@liamctoner]

Yes very common mostly east europeans

[@koufax174]

🙏🏼

[@thomasodetinape4180]

Limit is only for reporting. In the US there is no limit on how much you can bring. You must report any amount over the limit, if not and you are caught, they will seize any amount over the limit. P I will steal from you on every chance they can, dont give them an easy way.

[@RRacel]

I dont trust overseas atms, so i bring enough cash going overseas, best thing for me is exchange currency at the airport,.. last time i used foreign card in the philippines it didnt let me withdraw for unknown reason..

[@AnnaSys-p8g]

maybe you exceed the limit and you have to call your bank first for overseas transactions

[@tedjohnson4451]

I have Multiple ways to get Php... Either of my TWO US ATM Cards... One charges no Foreign Transaction Fees, the other charges 1.5%. Local ATM Fees are 250php, I won't use the more expensive ATMs. My Transfer Service ATM card charges no Foreign Transaction Fees on ONE,

[@henrychua4814]

Best ATM for foreigners - HSBC. No fees and high withdrawal amount per transaction(Think is P50K ). Unfortunately, there are only a few in Manila. Makati & BGC.

[@sentinel80]

ATM’s are not a good idea in the main, charges by the ATM + possibly your home bank and poor exchange rates. Best to use money transfer companies like Remitly Never use money changers, usually the worst rates of all.

[@tobyjones5011]

Safest way to send large amounts of money to the Philippines from the USA?

[@AnnaSys-p8g]

bank to bank wire transfer if remittance i guess it has a limit

[@liamctoner]

GCash is king

[@jimcunningham61]

I wish I could get more than 10000 p from the atm On my bank card

[@blackdave8525]

Don’t use atm use remit your get charged otherwise

[@grahameroberts8109]

If you say ATM machine, you’re actually saying Automatic Teller Machine machine. 🙈

[@JenniferTerri]

Yes youre right 😂 its a Filipino thing i think. Atm machine, sweet corn mais 😄

[@jok7679]

Best thing to get the money there. Not get into United States before heading there

[@Simpleliving88]

They don't expect tips here.not like the usa .you always tips .18 to 25 percent.

[@user-bv2kv8hx5d]

Best way is to apply GCash Card and transfer money to that card. ATM fee is 10-20 pisos only.

[@maritzalastimoza3142]

Don’t use your ATM go to the bank

[@randy6462]

Thank you