XCHANGED USA is a secure and hassle-free online facility that allows Remitters in the US to remit money to their beneficiaries in the Philippines from the comfort of their homes, 24 hours a day, 7 days a week.

It comes with a web based and a mobile application created by XCHANGED LLC, an authorized agent of PNB - Remittance Centers Inc (PNB-RCI) dba PNB GLOBAL REMIT, the fastest and most reliable means to send money to your loved ones in the Philippines.

You can make your account more secure by using a unique and strong password that you have never used in any websites before.

Also, consider securing your account with 2 factor authentication. Two Factor Authentication, also known as TFA, two step verification or 2FA (as an acronym), is an extra layer of security that is known as "multi factor authentication" that requires not only a password and username but also a unique 6 digit numerical code generated by either Google Authenticator, Authy or similar types of authenticator programs. We recommend the use of either Google Authenticator or Authy as another layer of defense against unauthorized use of your account.

Yes. To experience having wallet in your mobile device, download and sign up for an account in Xchanged USA App!

Step 1: Provide you email address, complete name, and password
Step 2: Verify your email address
Step 3: Create your profile

If you successfully meet and complete our Customer Identification Program (CIP) requirements and do not appear on any other government watchlist, then your account will be opened.

After filling out the required fields and after the successful initial level of verification, you can already fund your e-Wallet and send remittance immediately (applicable to debit card and credit card mode of payment)!

Account Information is the remitter/users complete details. You can update this information if needed. You can see your account information on the right upper side beside logout. You can also check your remitter information on one of the icon that says “Remitter Information” on Dashboard.

Below are the three (3) allowed sources for funding the e-wallet:

a. Electronic Fund Transfer – funds are being transferred from your account from your USA bank account to your Xchanged e-wallet via Automatic Clearing House (ACH). It normally takes 5 to 7 banking days for the amount to be credited to your e-Wallet account for the first time. Subsequent funding will be shorter (3 to 5 banking days). Please take note that you must be the owner of the account to successfully fund the ACH. Creating ACH's from accounts that you do not own or if the account name differs with your name will be rejected by the system and your account will be closed immediately

b. Debit Card – funds are being transferred from your USA issued Debit Card to your Xchanged e-wallet by inputting the required Debit Card details. Please take note that the system will reject Credit Cards when you try to input these into the Debit Card portion so please make sure that you are inputting only Debit Cards into this section. Please make sure that the name on the Debit Card matches your account name in the www.xchangedremit.com system as the system will reject a Debit Card that is different from your account name. Creating Debit Card charges from accounts that you do not own or if the account name differs with your name will be rejected by the system and your account will be closed immediately.

c. Credit Card – funds are transferred from your USA issued Credit Card to his/her Xchanged e-wallet by inputting the required Credit Card details. Once the credit card charge is approved, your account will be funded. Please take note that Credit Card funding is subject to a Convenience Fee of 4% and YOUR issuing bank MAY charge you a CASH ADVANCE fee.
Your bank and/or your credit/debit card issuer may charge you fees for the payments you make for your remittances. Your credit/debit card company may charge you cash advance fees. These fees that your bank and/or credit/debit card issuer charges, if any, are THEIR fees for using their services.

No, money funded to your Xchanged eWallet can only be used to send money.

You can add up to five (5) beneficiaries.

Unless your beneficiaries are enrolled into the system, you will not be able to remit or send funds to these beneficiaries. Please ensure that the information that you enter for your Beneficiaries are CORRECT and ACCURATE so that they will be able to pick up the funds in the Philippines.

Please make sure that the beneficiaries all have valid Philippine ID's as they will be required to present these when they pick up the funds from the Cash Payout Partners or from Philippine National Bank's branches.

Valid Philippine ID's are as follows:

• 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

Tier 1 account (verified) - you can remit up to $999.00 in ONE DAY, up to $3,500 cumulative in ONE MONTH and up to a maximum of $15,000 in total within a SIX MONTH period.

Tier 2 account (verified) - you can remit up to $2,000 in ONE DAY, up to $10,000 cumulative in ONE MONTH and up to a maximum of $20,000 in total within a SIX MONTH period.

Tier 3 account (verified) - you can remit up to $10,000 in ONE DAY, up to $50,000 cumulative in ONE MONTH and up to a maximum of $100,000 in total within a SIX MONTH period.

Take note that the verification requirements for each Tier become more stringent as you go up each Tier.

We will require at the minimum the following documents for Tier 3 remittances EVERY TIME a remittance is submitted.

• W-2 for Employed Individuals
• Personal Financial Statements for Self Employed Individuals
• Income Tax Returns
• Proof of Source of Income or funds to be remitted
• Copies of Bank Statement
• Copies of Business Licenses
• Copies of Deed of Sales of Property if funds are from the sales of such property
• Other documents aside from the above list as may be determined by the Compliance Officer in support of your Source of Funds

Money Service Businesses are required to perform identity verification on our customers and to ascertain the source of such funds as well as the intended Beneficiary of such funds.

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

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

Details found in the transaction history: Date and time of transaction, Ref No., Beneficiary Relationship, Bene Name, Bank Account No., Fee in USD, Promo Code, Remit Amount in USD, Remit Amount in PhP, Exchange Rate

This feature will be available real soon!

Transaction history is where you can see your transactions filed by date, transaction detail and status. These transactions are permanently written to your account and you can never delete a transaction history on your account.

All Remittances will show date and time of the transaction, who it was sent to, the remittance amount and the reference code. Further details such as the relationship, which type of remittance, fees, exchange rate and amount in Philippine pesos received will also be shown in the screen.

All Funding will show the date, time and type of funding and will show a reference number as well as the result of such funding method.

For other concerns, please contact us through our Built-In Chat Box or email us at remitsupport-us@xchangedremit.com.

Yes, there is a $6 fee to amend or cancel a transaction.