How to send money to Philippines using Cebuana Lhuillier

If you’re a Filipino living abroad who wants to send money home to family and friends, one of the most familiar options is Cebuana Lhuillier. Thanks to their extensive network of branches throughout the Philippines, it’s easy for recipients to access their local branch to pick up transfers.

In this article, we’ll walk you through how to use Cebuana Lhuillier to send money to the Philippines from abroad.

We'll also introduce Wise — your international money transfer alternative. Use Wise to send stress-free transfers to over 140 countries - all at the standard mid-market exchange rate.

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What services does Cebuana Lhuillier offer?

Cebuana Lhuillier⁶ offers a wide variety of services for Filipinos who need to send or receive money at home or abroad.

Their services include:

• Remittance services: Domestic and international money transfers via thousands of branches nationwide
• Pawnshop services: Collateral loans are offered via their on site pawn services
• Bill payments: Can receive payment for bills such as utilities, tuition, and government fees
• Microinsurance: They offer affordable insurance plans for health, accidents, and life
• Micro-savings: Small deposit accounts available
• E-wallet (Quikz): A digital remittance solution for overseas Filipinos

A step-by-step guide for sending money to the Philippines using Cebuana Lhuillier

Here’s how to send money to the Philippines using Cebuana Lhuillier Rural Bank.

International remittance services that partner with Cebuana Lhuillier include¹:

• Western Union
• Moneygram
• RIA Financial Services
• Worldremit LTD

To send money from abroad to the Philippines through Cebuana Lhuillier, you should follow these basic steps:

• Step 1: Visit one of Cebuana Lhillier’s international partners
• Step 2: Fill out the money send form
• Step 3: Submit the finished form along with a valid ID
• Step 4: Give the total amount owed to the branch personnel (amount you’re sending + fees)
• Step 5: Receive your confirmation number or receipt
• Step 6: Provide your recipient with the confirmation number or other tracking information

There is a unique process for filling out the form and funding your transfer for each remittance partner that Cebuana Lhuillier has – one of the most popular partners is Western Union.

Let’s take a detailed look at the steps² for sending money to the Philippines through Cebuana Lhuillier using Western Union:

Step 1: Select your preferred way of sending money

Options include:

• Online via the Western Union website or mobile app. For that you need to register & set up your profile on their platform
• Through a local Western Union agent

Step 2: Specify the transfer information

• Set Philippines as the destination country
• Select “cash pickup” as the delivery method
• Select Cebuana Lhuillier from the list of pickup options (if available)

Step 3: Provide the receiver’s information

• Fill in the details about your recipient as requested in an online form or by a Western Union agent

Step 4: Pay for the transfer

• Make sure to fund the transfer and pay the transfer fee so the money can be sent to your desired destination

Step 5: Collect your tracking number

• Once the Western Union confirms your transfer, you will get a unique tracking number. This way you and the receiver can easily monitor the state of the transfer

What is the maximum amount that you can send with Cebuana Lhuillier to the Philippines?

The amount you can send to the Philippines through Cebuana Lhuillier will vary based on your remittance partner. However, the limit for cash pickup transfers at Cebuana Lhuillier is ₱50,000 per transfer³.

Do you need to verify your identity when sending money with Cebuana Lhuillier to the Philippines?

If you are a first-time sender – yes⁴. Cebuana Lhuillier is required to collect identification for money transfer senders in compliance with the Bangko Sentral ng Pilipinas policies.

If you are a returning sender, you may not be required to verify your identity, however, your remittance partner may still require ID to complete your transfer.

Alternatives to Cebuana Lhuillier for sending money to the Philippines

Cebuana Lhuillier isn’t the only way to transfer funds from abroad to the Philippines. There are a lot of convenient online options that allow you to send and receive money fast, often with lower transfer fees.

Wise

Wise⁵ is a global money transfer service and an alternative to banks that you can use to send money internationally. With Wise, you can send money directly to a Philippine bank account, or even e-wallets like GCash.

• Coverage: Send money to over 160 countries
• Competitive Exchange Rates: Wise provides mid-market exchange rates without hidden fees
• Speed & Convenience: Send money directly to a bank account in as little as a few hours

*Speed disclaimer: Transaction speed depends on funds availability, Wise verification, and partner bank systems.
*Fees disclaimer: See Wise’s pricing page for the most up-to-date fees.
*Verification disclaimer: Eligibility is subject to identity verification. Wise may request additional documents.

WorldRemit

WorldRemit⁸ is a popular remittance service that allows for bank transfers or you can use them to send cash for pickup at Cebuana Lhuillier as well as other financial services centers in the Philippines.

• Cash Pickup Options: WorldRemit partners with local Philippine financial services centers to allow recipients to pick up cash on site
• Bank & E-wallet Transfers: You can transfer money directly to bank accounts or digital wallets
• Flexible Pickup Locations: You can send money to a wide variety of financial services providers in the Philippines, so you can choose the location that’s convenient for your recipient

MoneyGram

Like WorldRemit, MoneyGram is an international remittance service that partners with many Philippine financial institutions to send and receive money abroad.

• Accessible: Over 440,000 agent locations worldwide⁷, so it’s easy to find a branch near you
• Cash Pickup Available: Partners with many financial institutions, including Cebuana Lhuillier and Palawan Pawnshop, that allow recipients to pick up cash on site
• Online Payment Options: Easily send money using MoneyGram’s online portal

Bottom line

No matter where you are in the world, it’s easier than ever to send and receive money internationally.

🚀 Get started with Wise

Sources

1. Cebuana Lhuillier – Money transfer
2. Western Union – Send money to Philippines
3. Quikz – FAQs
4. Cebuana Lhuillier – Money transfer
5. Wise – How do I send money with Wise?
6. Cebuana Lhuillier – Money transfer
7. Moneygram – About us
8. Worldremit – Send money to Philippines

Sources checked 09/16/2025