How Overseas Workers Can
Safely Send Money to the Philippines
29 September 2025
Learn how Overseas Filipino Workers can safely send money to the Philippines. Discover trusted banks, remittance centers, and secure digital apps.
For Overseas Filipino Works (OFWs), sending money home is more than a financial task — it’s a promise to care for family even from miles away. With billions of pesos arriving in the Philippines each year, finding a safe and reliable way to transfer funds is crucial. Whether through banks, trusted remittance centers, or secure digital apps, knowing how to send money to the Philippines safely ensures that your sacrifice truly reaches the people who matter most.
This guide will help overseas workers understand the safest ways to send money, what to watch out for, and how to protect both your funds and personal information.
Why Safety Matters When Sending Money
Sending money across borders comes with risks. Unscrupulous scammers, fraudulent “money transfer” agents, and even unsecure digital platforms can compromise your remittance. Common risks include:
- Frauds and scams — Fake agents or phishing schemes target unsuspecting sends.
- Hidden fees — Some providers promise low costs but charge extra through poor exchange rates or undisclosed service fees.
- Identity theft — Careless handling of personal or banking information can expose you to financial fraud.
This is why choosing a reliable method when your send money to the Philippines is crucial.
Safe Ways to Send Money to the Philippines
Overseas workers today have more options than ever when it comes to remittance. The key is to choose secure and regulated providers.
1. Banks
Traditional banks remain a trusted option. While transfer fees may be higher, your money is processed through secure and regulated channels.
2. Remittance Centers
Physical remittance shops have long been the go-to choice . Many Filipinos are familiar with them, but they often involve in-person visits and sometimes higher fees.
3. Digital Remittance Apps
Modern apps like OTT Remit provide faster, safer, and more affordable way to send money to the Philippines. With features like two-factor authentication, encrypted transactions, and transparent fees, digital platforms give overseas workers both security and convenience.
Tips for Protecting Your Personal and Financial Information
When you send money online, you are also sharing sensitive data. Follow these tips to keep your information safe:
- Use only trusted providers — Check licenses, reviews, and whether the provider is regulated by financial authorities.
- Avoid public Wi-Fi — Always use a secure internet connection when making transactions.
- Enable security features — Turn on two-factor authentication (2FA) and use strong passwords.
- Verify recipient details — Double-check account numbers, names, and mobile numbers before confirming a transfer.
- Stay alert for scams — Ignore unsolicited emails, texts, or calls asking for your banking details.
Rules and Regulations for Sending Money to the Philippines
The Philippines has clear regulations to protect both senders and recipients. Some important rules include:
- Anti-Money Laundering (ALM) Compliance — Remittance companies are required to verify sender identities through valid IDs.
- Know Your Customer (KYC) Policies — Overseas workers must provide accurate personal and transaction details for verification.
- Bangko Sentral ng Pilipinas (BSP) Regulation — All remittance providers must be licensed by the BSP to legally operate and send money to the Philippines.
- Transaction Limits — Some providers set maximum daily or monthly transaction limits to comply with security and AML laws.
By choosing regulated services and complying with these requirements, overseas workers can ensure safe and smooth transactions.
Final Thoughts
Sending money to the Philippines is one of the most important responsibilities of overseas workers — and ensuring that every peso reaches home safely should always come first. Whether you use banks, remittance centers, or trusted digital apps like OTT Remit, prioritize security, transparency, and compliance.
By following safe practices and choosing reliable services, you can protect your hard-earned money while continuing to support your loves ones back home.
Disclaimer: The views and opinions expressed by the authors in this publication are their own and do not necessarily reflect the views of OTT Remit, OTT Financial Inc., and the OTT Group of Companies. This publication is provided for general information purposes only and should not be considered as exhaustive or comprehensive in covering all aspects of the discussed topics. It is not intended to replace seeking advice from a specialist or professional.
How To Send Money with OTT Remit
Follow three simple steps to send money quickly and securely to loved ones anywhere in the world.
Sign up for an account
Enter your name and phone number to create an account with OTT Remit.
Enter money transfer details
Choose your destination country and select one of three remittance methods: Cash Pickup, Mobile Wallet, or Bank Deposit. Enter your recipient's information.
Pay for your transfer
Complete your remittance by making an INTERAC e-Transfer. It's that easy!
