How to send money to Philippines using M Lhuillier Kwarta Padala from the US

For millions of Filipinos living abroad, sending money home is a key part of their financial management routine. Whether you’re supporting family and friends, paying bills, or funding investments, choosing the right transfer service can make all the difference in cost, speed, and convenience.

One of the most popular cash-pickup services in the Philippines is M Lhuillier Kwarta Padala. With more than 3,000 branches nationwide, M Lhuilliier is a trusted household name.

In this guide, we’ll cover everything you need to know about sending money from the U.S. to the Philippines through M Lhuillier- from the services they offer to the step-by-step process and requirements for sending cash.

We'll also introduce the Wise account, which allows you to send, spend, and receive your money across the globe in over 40 currencies – all at the fair mid-market rate.

Learn more 🔎

What services does M Lhuillier offer?

M Lhuillier¹ offers a wide range of financial services beyond international money transfers. The full range of services includes:

• Kwarta Padala: Domestic and international money transfer services through their thousands of branches
• ML Wallet: A mobile money app that allows customers to send money, pay bills, and access other financial services
• Pawnshop: Collateral-based loans with competitive interest rates
• Bill Payment: Pay utility bills, government fees, and other common services directly through M Lhuillier
• Insurance: Purchase affordable insurance packages for home, auto, and more

How to send money to the Philippines using M Lhuillier Kwarta Padala

Sending money through M Lhuillier² is pretty straightforward, but you’ll need to go through a few steps in order to ensure your funds make it to their destination.

Here’s how:

Step 1: Choose your provider

To send money from the U.S. to an M Lhuillier branch in the Philippines, you’ll need to use a partner service like WorldRemit, Xoom, Remitly, or another international remittance service. M Lhuillier is partnered with a wide range of remittance providers that accept cash transfers from internationally.

Step 2: Register and verify

Sign up with your chosen service provider online or via mobile app. You’ll need to provide your personal information (name, date of birth, sometimes address) as well as in many cases, proof of identification (a government-issued ID or other proof of identity)

Step 3: Enter transfer details

Provide the recipient’s full name (as it appears on their ID) and select M Lhuillier Kwarta Padala as the cash pick-up option. Double-check ALL details to prevent transfer delays.

Step 4: Pay for your transfer

Fund the transaction using your debit card, credit card, or bank account. Include in your funding all the necessary fees for the transfer, as well as the amount you want your recipient to receive.

Step 5: Notify your recipient

Once the transfer is confirmed, you will receive a transaction reference number, which you should share with your recipient. They can then use this number along with their valid government ID to claim their funds at any M Lhuillier branch.

How to receive money with M Lhuillier Kwarta Padala

For those who want to receive cash through M Lhuillier Kwarata Padala, follow these steps:

1. Visit your nearest M Lhuillier branch
2. Provide the reference number given to you by the sender
3. Present a valid government ID for identity verification
4. Collect your cash

What is the maximum amount you can send with M Lhuillier Kwarta Padala?

The maximum amount you can send will vary depending on your remittance partner. Different partners had different limits based on the payment method used as well as specific regulatory requirements in the area where the recipient is based.

To know what your transfer limit is, check with your transfer provider.

Alternatives to M Lhuillier Kwarta Padala for Sending Money to the Philippines

While M Lhuillier is a trusted option for many, it’s not the only option for people looking to transfer money quickly between the U.S. and the Philippines.

These alternatives offer a range of perks, including competitive exchange rates, fast transfers, and transparent pricing.

Wise

Wise is an alternative to banks and traditional remittance companies. Wise’s multi-currency accounts allow you to send money directly to Philippine bank accounts or popular mobile wallets with GCash and Maya, so recipients can start spending their money right away.

And Wise isn’t limited to PHP, with Wise you can:

• Send money to 140+ countries
• Hold 40+ currencies
• Receive money in 9 currencies with local account details
• Spend in 150+ countries using the Wise debit card

Wise also offers transparent pricing and competitive mid-market exchange rates, so you can see exactly how much you’ll be paying for your transfer to maximize your savings.

Remitly

Remitly is another top choice for Filipinos who are searching for a reliable remittance service.

• Multiple delivery options: Send to mobile wallets, bank accounts, and cash pickup locations⁵
• Tiered fee structure: Fees are based on the amount being transferred⁴
• Global reach: Remitly operates in over 170 countries and is partnered with many of the popular cash pick-up service providers in these countries⁶

Western Union

Western Union⁷ is a U.S. favorite for cash transfers, thanks to its many U.S. locations, ease of use, and trusted security.

• Many ways to send: You can send money via their mobile app, online, or in-person at one of their thousands of locations
• Fast transfers: Some transfers can be completed in just a few minutes, helping recipients get their cash fast
• Fraud protection and data security: Western Union uses advanced encryption and fraud prevention tools to protect consumer data and cash

So, what option is best for you?

M Lhuillier Kwarta Padala is a reliable, trusted way to send and receive money between the U.S. and Philippines. However, digital solutions like Wise offer ways to transfer money faster, cheaper, and easier than ever before.

And if you need to send and receive money outside just the Philippines, options like Wise’s multi-currency account allow you to seamlessly transfer, hold, and spend money across the globe in just a few clicks.

🚀 Get started with Wise

Sources

1. M Lhuillier – Home
2. M Lhuillier – Kwarta Padala
3. World Remit – Send money for instant cash pickup
4. Remitly – USD to PHP
5. Remitly – Philippines
6. Remitly – Home
7. Western Union – Home

Sources checked 09/19/2025