VFS will not accept cash.
They will only accept a bankers cheque (drawn on specific banks)
or
a receipt/confirmation that the money has been transferred/forwarded to
the UK Embassy's bank account.
If u have neither, they will not accept your visa application form.
Can she not catch a bus to the nearest town with a BDO or BPI branch ?
If u go via the funds transfer route, you need to do it at least 24hrs BEFORE your appointment
(so they can clarify/confirm that the funds have cleared).
For the banker's draft ..... so long ago that we did it, I cannot fully remember
but I believe that you can arrange for its issuance at any time before your scheduled
appointment. You just need to have it in your possesion when u submit the application form
(I'm sure someone will correct me if I'm wrong)