PNB....Philippine National Bank, not to be mixed up with the Punjabi National Bank.....only reason with use these is because they use a money card system along with all the aforementioned.
Once the money card has been issued via friendly phone call to there Hillgate branch to the recipient in the Philippines, the card can be topped up on line 24/7...and if they have a pnb account, transactions are gratis.
Another bonus is when you are there on your jollies you can actually send money to yourself using your own PNB money card thus, not shelling out for those extortionate card charges.
Lovely
