if you transer from your UK bank to a bank here, when i knew i was to come here i signed up with PNB europe UK, its istant transer from UK to here, i get sent from there any cash i need from UK , since getting my pension direct to here i didnt use PNB online for a while, i found they have updated it and it was quite easy now to change the debit card you wish to have them take your money from it is stored and you can delete it change it anytime you want, you can also change the receiver or have other receivers listed in the account, so much easier than the old one, anyway the rate is good iv never had any problems with it , came in handy this time i needed while in hospital and thats when i updated it, it is a rimitance bank only , originaly set up for the pinoys working abroad to send money home to family, whenever i call pensions call center they are the best call center of any i have ever dealt with, i get the feeling from any slight background noice that these are agents working from home