If you want to send money to the Philippines, I highly recommend OrbitRemit. It's money remittance made better. I like it because I can make the transaction on a computer, in lieu of bringing cash to a shop. Also, I can choose to deposit directly to a bank account back home instead of having someone pick it up at a remittance center. OrbitRemit offers excellent exchange rates and charges low fees.
Setting up an account is easy. Just fill up the application page. But here in New Zealand (I don't know the requirements for other countries), the government requires OrbitRemit to verify the identity and address of an applicant. You pass this process by uploading a proof of identity (digital copy of your passport, driver's license, etc.) and a proof of address (billing statement).
You don't have a bill with your address? Don't worry. You can request for an address verification code. You just give them your address and OrbitRemit will send a letter to you containing a code. Once received, you just email them the code, and that's it.
After your account is verified, you can start sending to the Philippines. And you know what, the first remittance is free of charge!
Anyway, after you initiate a payment--meaning, identify the recipient, give his/her details, and specify the amount to be remitted, OrbitRemit will email you a payment number. You then have to deposit the said amount to OrbitRemit's local bank account (WestPac) and then it'll send that amount to the Philippines (person, credit card or bank account).
It's cheap, easy, and reliable.
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