I think that the best option would be BPI especially if you send a lot of remittance because unlike the other banks in the Philippines, they do not charge extra notes from the recipient. It also costs less to send through them, often bordering none. Though a lot complain with the long lines in their branches and atm's but just speaks much of how people perceive their service. So you are sure when you go with them.
Cannot speak when it comes to paying bills though
