The exchange rate on using a N/W debit card in Phils is very good - usually better than the PNB rate for the day.
However, I have a problem with N/W ... my card expired at the end of July - I received a new PIN and waited, patiently to receive tha card. In the end I called N/W only to be told that they will not send the card to Phils ... I have to visit a branch (only in the UK?) to collect my card!![]()