So far we haven't encounter any problems since we use this remittance agency which has a tie- up with BDO, withdrawable the following banking day. We as well use the xoom and it reaches the recipient's account very quickly with the confirmation on the email account. Just not so sure if it's less than 24 hrs transmittal.but withdrawable the ffg day.

I am considering to make use of this bank to bank transactions but with BPI because recipient's account is maintained with that bank already. If i try this PNB which i learned that many has been using this bank for transmittal and that it is easy and so safe then i will have 4 accts already for i have 2 cash cards opened with 2 remittance agencies (both with BDO tie-ups) then these 2 Commercial banks.

Thanks for the inputs Ianbusy and Joebloggs..I think i will try this PNB next time.

Cheers!