Hi
I transfer money to my wife in the Philippines using a Caxton FX card. I have a Primary card in my name and a secondary card in her name both using the same account. I simply 'load' the card with £ this end and she uses an ATM at the other end or shops with the card over there. charges are 2.5% which is fine for smallish amounts. The advantage of this is the money is instantly available for her to withdraw within minutes of me loading the card.
For larger amounts, like paying for 2 visas recently, I transferred money directly from my account with HSBC to hers in the BDO. Charges were about £25 this end and another 200pesos on arrival i believe.
