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6 Tips To Help You Find a Reliable Money Transfer App

Animated phone transferring money to another device through a money transfer app


If there is one thing that defines Filipinos, it would be their love and devotion to their families. They are known to go out of their way to give their loved ones the quality of life they deserve. They are so headstrong in their belief in providing for their loved ones that some of them even step out of their comfort zones to face the challenges of working abroad.

When it comes to sending money to your family, nothing beats online transfers, especially via a money remittance app. These money-sending apps often have everything you need to send money to the Philippines online successfully. No matter where you are, you can extend your support to your loved ones back home.

As a financial institution created for hardworking Filipinos, Cebuana Lhuillier wants to support you in giving back to your family. Follow our guide on how to find a reliable money-sending app and see if our services fit your needs.


Why Choosing a Reliable Money Transfer App Is a Must 

Your app is your link to the services offered by your chosen online money remittance provider in the Philippines. The ease of your transaction relies on what features the app can offer, but that is not the only reason why you need to be careful with your choice. The two other factors are security and experience.

A reliable money transfer app ensures that all your information will be kept confidential to reduce the risk of being victimized by fraud. Finding the right app can also help you improve your experience and make transfers hassle-free on your end.

The most basic step in ensuring the legitimacy of a transfer app is checking if your money remittance provider offers the app. Once you verify it, you can then download it from the right platform.


How To Find the Right Money Transfer App 

Finding the perfect app for online money transfers in the Philippines is not easy. Here are a few tips to help you in your search:

Assess the App’s Features 

Features are your best friend when it comes to money transfer apps. It tells you what you can do online and what other ways you can use to make your transaction easier. When selecting an app to send money to the Philippines online, you need to make sure that your app is well-equipped with the right features.

Try looking for an app that allows you to send money to different channels. Also check if they can be connected to your savings account, which makes it easier for you to send money anytime and anywhere.

Check Transfer Fees 

If you are someone who frequently sends money to the Philippines online, you need to pay attention to how much the app charges you for every transaction. These fees might look insignificant at first glance, but they can affect your budget, especially if you complete multiple transactions over a short period. Some apps even charge more if you send a higher amount.

Consider Exchange Rates 

Whenever you send money to the Philippines from the USA or any other country in the world, always keep in mind that the amount you send won’t be the same as the amount your loved ones would receive. This is due to the accumulated worth of exchange rates and fees from your chosen exchange firm.

According to the World Bank, exchange rates make you lose an average of 1.26% of every $200 you send to the Philippines from the USA. This rate can go higher or lower, depending on several factors, including the policies of the money transfer operator, exchange rate margins, convenience fees, and transfer speeds.

Always choose the app that offers you the highest value and security for your money. Rely on trusted establishments that have continuously served Filipinos over the years.

Look for Security Measures 

You should never go lax when it comes to the security of your money, especially when online transactions are involved. Always make sure that your app keeps all your data confidential. For starters, your application should be protected with a password or a PIN code before it can be accessed. Also, check the safety guidelines implemented by the app to learn about their policies and features to keep your money safe.

Take Note of Customer Service

Customer service can make or break your experience when using an app to send money to the Philippines online. When looking for an app, make sure that your service provider has an accessible customer support channel. This way, all your queries can be answered, and you can have peace of mind while using the app.

Some applications, like the eCebuana app, even have a dedicated AI chat facility for customers. Through this feature, you can get automated answers to your questions without waiting.

Check Reviews Online 

The experience of other users can pretty much tell you what you can expect from an application. This is why you should always read the review online before you download the app. Of course, you should also be critical when reading these reviews since some of them might not be applicable to your situation.



Choosing the most reliable online money transfer app in the Philippines is one of the ways you can give your best to your loved ones. Ensuring the safety of your assets and providing money remittance convenience are just two of the many ways online money transfer apps can serve you.

Make sure that your money gets to where it needs to go with Cebuana Lhuillier, one of the country’s most trusted money remittance firms. Use our Pera Padala service and other financial solutions to pay your bills and support your loved ones wherever you are in the world. Contact us today to get an idea of what we can do for you.