First, create your account by filling out the Remitter Profile. You will be asked to upload your recent photo, a government photo ID and a selfie with the photo ID on the dashboard. Once approved, you will be able to proceed to the 2nd step. Second, fund your e-wallet using our easy funding options such as bank deposit via ACH or electronic fund transfer or credit card Finally, add beneficiaries and their details. You can also update their details from time to time. Start remitting! Click remit, choose the beneficiary you wish to send to, check their information, input an amount, confirm the transaction summary. That’s it!

Once you have filled out your account profile and upload photos. We will let you know within a few business days if you’re account has been approved, this will normally take 24 to 72 hours. We may also request more information from you. In the meantime, feel free to contact us. If you would like to view our legal policies, please visit our website. This won't take long!

ACH - Request an ACH transfer from your personal bank account to fund account.

Over-the-counter bank deposit - Get a request code and go to the nearest bank to deposit. Don’t forget to input the request code on the deposit slip.

XCHANGED’s team will carefully approve remittances to comply with the Anti-Money Laundering Act and other security measures. Other factors may be the recipient’s country banking hours and banking system availability, difference in time zones, weekend bank processing availability and local bank holidays.

Account Information is the user’s personal data which can be updated if needed. You can see your account information on the dashboard that says remitter information. You can also see account on the upper right side beside logout, where you can change your password or enable 2FA authentication.

The current limit is 5 (five) beneficiaries.

You can make your account more secure by using a unique and strong password you have never used in any other websites before. In addition, with Two Factor Authentication, also known as 2FA, two step verification can provide an extra layer of security that is known as "multi factor authentication" that requires not only a password and username but also something that only that user has on them, i.e. a piece of information only they should know or have immediately on hand - such as a 6 digit code from a physical token or from a Security App like Google Authenticator or Authy.

You can remit from $10 up to $10,000 depending on what service type you use.

• Philippine passport – Department of Foreign Affairs
• Driver’s License – Land Transportation Office
• SSS UMID Card – Social Security System
• GSIS eCard – Government Services and Insurance Corporation
• Digitized Postal ID – Philippine Postal Corporation
• PRC ID – Professional Regulation Commission
• IBP ID – Integrated Bar of the Philippines
• OWWA ID – Overseas Worker’s Welfare Administration
• Diplomat ID – Philippine Embassy
• OFW ID – Department of Labor and Employment
• Senior Citizen ID – Office of the Senior Citizen
• Voter’s ID – Commission on Election
• GOCC and Government Office ID – branch or agency of government

Pending items are list of uncompleted enrollments and or transactions that users need to accomplish to successfully use XCHANGED services.

This feature is able to save the details of the beneficiaries, family and friends who you regularly send money to.

Transaction history is a list of your recent transaction details like remittances and funding. And you can also print receipts!

Not yet but we are working on it. This feature will be available real soon!

No.

If the funds have been delivered, picked up or deposited to the account in accordance with your instructions, you cannot cancel the remittance order.

Money funded to your XCHANGED e-wallet can only be used to send money.

Some service types will be real-time and others will take up to five (5) days most. Please check services page for full listing of service type and their corresponding lead time.

Yes! Simply go to Transaction history, choose the transaction you want to track and click TRACK on the right side of each transaction.

• Over the counter - 30min after emailing deposit slip to [email protected]
• ACH - 5-7 banking days

Simply email us your amendment request at [email protected]

Yes, there will be a $3 fee.

We only accept cancellation/amendment requests for Cash Pick Up transactions. (i.e. Beneficiary's name is spelt wrong, Beneficiary has no ID..etc)