WorldRemit

I have been using WorldRemit for over 4 years to regularly send money to family in The Philippines.
The deposit to bank accounts or cash pickups have always been fast and correct.
You obviously have to be 100% correct in the account details but never had any problems.

This is a genuine review that I felt compelled to write based on all the negative ones. I used World Remit about a dozen times during 1-3 years ago and I would use my debit card to make the payment. Usually it was done to get cash abroad at a better exchange rate with lower fees than the bank. Sometimes my bank would stop the payment and I would have to sort it out with them that I did make the payment and want to do it. Every time I would then have no problem collecting the cash. Today I did the same thing for the first time in more than a year but this time did it by bank transfer as I thought this would stop the bank from having an issue with the payment and locking my card. When I did it though despite having had no problems ever getting the money I started to panic based on all the reviews I was reading. With the debit card the money is received by them instantly and you can collect quickly. As I had done it this time by bank transfer and it takes 'up to 24hrs' I began to worry that it would never say money was received by them and I would be in the position of many others where I would have trouble being refunded. The fact that there is no email address and the phone and chat services were not working made me really worry. It was around an hour after I had sent the money and I called my bank to see if I could stop the payment. Whilst on hold I refreshed the page and the status of my payment had changed and said they had received the funds and I could now collect. I hung up the call to my bank and went and got the cash without any issue at all. So I have still never had any problem with them! I am knocking off a star because if there had have been a problem then not sure how I would have contacted them with all avenues closed off. It was this that caused me to panic and almost cancel the payment.

Well, I had sent money to the philippines and they did not accept my payment and cancelled my transaction bcoz i was using a different card. Not on my name. So i had to email them, live chat and call them about it. So everybody say i will get my money in 2-3 working days but i didn't! Luckily had spoken to a very nice guy in world remit, and if not bcoz of him I wouldn't get my money soon! :) he was the one who emailed the finance team to refund my money. And after that within 3days i got my money back. :) i am so thankful! I hope he can help those other people too who has problems of refunding their money! Sorry i forgot to asked his name! But it could be travis! From UK it was i called. :) goodluck guys! Be nice and patient to the customer service! :)

Pros: good exchange rate and low fees compared to others
Con: first transfer required a phone call, hold for a bit long but then no issues so far on future transfers online.
Also they have referral codes (first transfer) and promo code (first 3 free) if you want to try for $20 after transfer of $100 or more, Link->
https://www.worldremit.com/en/refer-a-friend/invited?code=DANIELR1371
Plus use promo code 3FREE for first 3 free transfers.
If you have a credit card with a low cash advance fee (and pay off quickly for not much interest accrued) then it seems a good deal because worldremit has not charged an extra fee (usually 3% or 4% like others when using a credit card).
Another alternative if this does not work for you is walmart moneygram online (cheaper fees than standard moneygram online or in person).

In my case, the receiver did not pick up the money at the destination, and WorldRemit then refunds the money back to the sender's account. WorldRemit sent me an email saying that the refund was put back into my bank account, using WorldRemit's Interac service called beanstream. When the money did not show up in my bank account, I sent WorldRemit a copy of my bank statement, showing that the refund was not in my bank account. After many phone calls and emails, and lengthy delays, WorldRemit was finally able to track what happened to my refund through beanstream, and the money was deposited again to my account. The customer service representatives at WorldRemit were always polite when talking to them on the phone.