Christmas is fast approaching and yes you are right, its Christmas seasons once again and the BPI Express Credit Cards has their early Christmas gift for you.

Check this out, the BPI Express Credit Card Installment Madness is still running and the promo period is October 7-25, 2009 at Glorietta Activity Center in Makati City.

Just about every electronic shop will be participating and there are also a lot of store participants. Now if you want to find out if the store where you want to purchase the item from is included you just have to call BPI express phone and dial 89-100 or call the vendor themselves. Usually they have a poster in their stores saying bpi madness offers 3x credit limit.

Catch a lot of exciting promotions, discounts and freebies as well as 0% installment promo of BPI Express Credit Card in all participating merchants in the said BPI Installment Madness.

So what are you waiting for. Have an early shopping to avoid rush and very suitable for those who are planning for a tight budget this Christmas season.

Another exciting promo that is offering now by Metrobank Credit Cards. Use your Metrobank Visa or Mastercard now and for a minimum single purchase of P1,500.00 at Robinsons Supermarket, you can get 1 Free Del Monte Fit 'n Right juice drink of your choice.
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Promo period is from August 14 to September 15, 2009. Cardholders can only redeem at the participating Robinson's Supermarket branch where the card transaction was made.
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All you have to do is to present your Metrobank Visa/Mastercard, PSBank or Go! Mastercard credit card at the redemption booth of the participating Robinsons Supermarket where purchase was made in order to claim your free Del Monte Fit 'n Right juice drink.
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Del Monte Fit 'n Right juice drinks not claimed within 60 days from the end of the promo period shall be forfeited in favor of Metrobank Cards.
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So what are you waiting for, avail this exciting promo offered by Metrobank Credit Cards now.
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To know more about the said promo you can visit Metrobank's official website here.
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Enjoy now while shopping anywhere using your BPI Credit Card or BPI Express Teller to get Free Jollibee treats.
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The promo is open to all BPI Express Credit cardholders and existing BPI, BPI Family Savings Bank, BPI Direct cardholders whether Express Teller, Jumpstart, or BPinoy. Promo period is until September 30, 2009.
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All you have to do is to present your BPI Express Credit Card to any Jollibee outlets, print your name at the back of your charge slip or transaction receipt and submit your original charge slip with a minimum single receipt purchase of P1,000, P2,000, or P3,000.
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You can now avail of the Jollibee freebies and products after using your BPI credit cards. Redemption period is until November 30, 2009.
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To know more details about the promo you can visit BPI Expressonline official website here.
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UBS AG, a giant Swiss Banking Company agreed last Wednesday to turn over to the IRS the details of 4,450 accounts that are suspected to hold undeclared assets by American customers, this is the news in msnbc.msn.com

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Their IRS Commissioner Doug Shulman reported that the accounts held $18 billion in assets at one time. UBS has an estimated 52,000 accounts of US Customers and the bank’s IR Chief said that only 4,450 accounts are being relinquished to the agency that they were suspected to contain undeclared assets.

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The deal will give way the Internal Revenue Service thousands of long-sought account names. Accountholders will be notified before their names are released to the IRS.

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Swiss Justice Minister Eveline Widmer-Schlumpf told in a conference at Bern that the deal lifts the threat of crimin$l prosecution against UBS which could endangered the bank’s existence.

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This is the latest news in the banking industry in the USA and in Bloomberg News report. BB&T is expected to acquire the Colonial BancGroup or known as Colonial Bank, an Alabama-based lender.
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Colonial Bank is facing a criminal investigation now into the accounting of its mortgage-warehousing business and a separate inquiry into its application for federal aid under TARP and was warned a substantial doubt of its ability to sustain the business. With its $25 billion in assets, it is said that Colonial Bank would be the largest bank failure for 2009 so far.
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Now a representative from Colonial is not available to explain their side and spokesman from BB&T also decline to comment, according to Reuters report.
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The F.D.I.C. seizes failing banks after the close of business on Friday.
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Following up with the report, BB&T, which is based in North Carolina USA, it would take over Colonial Bank and its shares surged more than 9%.

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We considered Sun Life (Philippines), Inc. through Sun Life Financial as one of the best insurance company that offers individual life insurance. In the midst of recession and based on some bad closure of insurance companies in the Philippines. Now you are assuring that if ever you want to get a life insurance, you will think first of the company if it is stable or not.
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Sun Life Financial is offering a great individual life insurance products that will fit your lifestyle.Their main purpose is to secure your family's future and meet the demands of changing lifestyles and time through their insurances.
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You can now choose from their categories or Policyholder Divident package. The best insurance that was offered with us of some of our insurance agent friends is the Sun SmartStarter8. It is a participating whole life insurance plan payable for only 8 years. It also provide lifetime insurance protection and cash payouts. This is amazing because the payouts is equal to 3% of the face amount which will be given starting at the end of the 3rd year and every 3 years thereafter for life.
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Now if you want to check other insurance products of Sun Life Philippines, Inc. , you can choose from their life insurance packages and plan depending on your preferences. You may visit their official website for more information and updates of their insurance policy.

Now earn triple rewards points when you use your Metrobank Credit Card now at Rustan's Department Stores and Store Specialists, Inc.
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This is another great offer to all Metrobank Cardholders when you use your card. For every Php20 spend on retail and/or 0% installment purchases made at any participating stores, you will be entitled to earn 3 rewards points.
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To qualify for the special promo for the Triple Rewards Points program, cardholders must present their Metrobank Credit Card when paying at the cashier and must be swiped at a Metrobank POS card terminal.
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Cardholders who have successfully enrolled in the "Rewards in the Double" program will only earn 3 Rewards Points for purchases made at Rustan's Department Sotres and SSI Boutiques.
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The rewards points will appear on the cardholder's next monthly billing statement provided that cardholder has qualified for the rewards points incentive.
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So what are you waiting for, avail the promo now!
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Please see brochures or visit Metrobank Website for more information.

Well I just wanna share with you my experience when I avail of a Personal Loan from Citibank Philippines Makati Branch.

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It was good to know that Citibank has its one-day process personal loan. It means when you apply today, you will also be informed if your loanable applications is approved or not.

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It is very important for us consumer specially those people who need an instant money, let say to finance their children's tuition fee, to buy cell phones, appliances and jewerly, that on the same day, we will know if we can get an instant cash or not.

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Compare with other local banks, Citibank has the fastest service in offering a personal cash loan. In other banks, it will took almost a week or even a month before the approval of your application. In that sense, what if you do not need it already during the time of approval.

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Requirements in applying for a Citibank Personal Loan includes two valid government ID's, your W2 or Income Tax Return and latest audited financial statements of your business as a supporting document to proove your capacity to pay the bank.

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You will be given an additional points to consider if you have any credit card from Citibank. But make sure that you has a very good history of payments and no past dues from the last one year. In that case, your application will be easily approved as fast as they can.

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So why dont you try to avail their Personal Loan Facility now. Go to the nearest Citibank branch and apply now!

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A Mortgage Loan, according to Wikipedia is a type of loan that is being secured by real property in which you need to use a legal document to evidence the existence of the loan and any hindrances of that particular realty through the granting of a mortgage to secure the loan.

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Example of a mortgage loan is when a buyer of a house and lot or builder obtain a financing loan either to purchase or secure the said property from a financial institution or a bank.

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If you are availing of a mortgage loan, you should be particular with the size of the loan, maturity dates, interest rate, methods of payments and other characteristics like if you can make a partial repayment between the periods of your loan.

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Before being granted of such loan from a bank, a serries of background checking is to be conducted against the borrower to check his/her credit history, legal documents, employment status and history, capacity to pay, credit cards and other debt dues. If the borrower doesn't pass the requirement, definitely, he/she will not be granted for a mortgage loan.

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Mode of payments for a mortgage loan is the same also with personal bank loan or other types of loan like car loan and housing loan. It involves payment of principal and interest. To come up with your monthly amortization, the prevailing rates was being computed against your principal loanable amount against the terms or period to come up with the interest. This interest shall be added to your monthly principal due that usually take from 15 up to 30 years.

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For a first time home buyer, the easiest way to apply for a mortgage loan is thru online. There are some commercials that encourge buyer to apply online thru their official websites. You can check the websites of GE Money Bank and PNB for their extension of mortgage loan facility.

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You really have plenty of time to copare the rate and terms to find the best bank that offer the best mortgage loan facility. With that step you can secure financing your home with the lowest possible rates. And you even save more money in the future.

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Here are the simple steps to consider in applying for a Mortgage Loan:

1. Select Your Term

In order for you to be more flexible in paying your monthly amortization dues.

2.Research Your Lender

Know their bakground and their capabilities of granting you the said loan

3. Apply Online

This is the easiest and convenient way of applying for a Mortgage Loan. Even you haven't found the right house to buy, you can earlier apply for a pre-approved for the financing matters. In that way you can assure that there is a standby lender who is now ready to lend you money as soon as you get your house.

Bank of the Philippine Island (BPI) Credit Cards is giving away a free Italianni’s Big Lunch for shopping anywhere and spending the BPI Gold MasterCard for a minimum of Php3,000.00

This promo is open to all existing BPI Express Credit Gold MasterCard for the period of July 1 up to September 30, 2009. For a minimum single-receipt of Php3,000.00 purchase in any store of cash advance transaction.

The redemption of Italianni’s Big Lunch is valid for dine-in only, from 11am to 3pm. Per charge slip. You can avail for one order only. It cannot be exchange to money or cash.

So what are you waiting for, spend now and use BPI Gold Mastercard and have a great lunch at Italianni’s.

Rizal Commercial Banking Corp. (RCBC) introduces free MyWallet Cash Card to its customers. It is basically a cash card that lets customers do transactions like a normal ATM does like withdrawals, cashless shopping, balance inquiry and bills payment. without keeping a monthly maintaining balance. RCBC allows it also for payroll purposes usage.
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The new RCBC MyWallet is a Pre-paid Stored Value Card, which is also called an “electronic wallet” as an alternative to a regular ATM accounts. You may also use the MyWallet in all RCBC ATM’s, Bancnet Channels and branch counters.
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Now what are you waiting for, visit the nearest RCBC branch and get MyWallet cas card now.
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For more information regarding this bank product, you may visit RCBC’s website or call their hotlines at 894-9577 or email them at customercontact@rcbc.com

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Here is the latest promo from Metrobank Credit Card. Get a Free Nokia Phone when you shop using the exclusive credit card.

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Metrobank Credit cardholders shall now be entitled to a free Nokia N1209 mobile phone when they shop for a minimum single-receipt installment purchase of P25,000.00 or add P800.00 on a minimum single-receipt installment purchase of P15,000.00 to P24,999.00.

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The phone will be delivered to the cardholder via courier within 14 days from the date of purchase. This is not convertible to cash and cannot be exchanged for other items.

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This promo is valid only from May 15 up to July 12, 2009. So what are you waiting for? Shop now and get this latest freebies and extravagant promo from Metrobank Credit Cards.

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To look for more informations and details regarding this promo, you may see the official website of Metrobank Credit Cards.

SWIFT Code refers to the unique 8-11 alphanumeric characters that serve as the bank identifier ID which is use in transferring money to bank account worldwide. Swift Code powered by SWIFT (Society for Worldwide Interbank Financial Telecommunication). It is also known as BIC (Bank Identifier Code) in some local banks in the country.
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Whenever you want to send money to your love ones in the Philippines or Abroad vice versa, you will be requiring to fill up the SWIFT code in money remittance application through wire transfer. Bank Tellers will not accept your application if you cannot provide the correct SWIFT Code of the your beneficiary’s bank.
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Each bank is assigned with only one (1) 8 character SWIFT code. Then three numbers were added to their SWIFT code to assign it to their branches and representative offices.
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As per my experience, being a former remittance employee in a large bank in Makati, I found out that some customers were not able to provide the correct SWIFT code, thus causing their money to be returned and not being successfully delivered to their beneficiary.
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Since these codes are very important to know in order for you to send wire money transfer I hereby list the updated Philippine Bank SWIFT Codes Directory for your guidance.

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Allied Banking Corporation – ABCMPHMM

Banco de Oro Universal Bank – BNORPHMM

Bank of China Manila Branch – BKCHPHMM

Bank of Commerce – PABIPHMM

Bank of the Philippine Islands – BOPIPHMM

China Banking Corporation – CHBKPHMM

Development Bank of the Phil. – DBPHPHMM

East West Banking Corporation – EWBCPHMM

Hong Kong and Shanghai Bank – HSBCPHMM

International Comm Bank of China – ICBCPHMM

Land Bank of the Philippines – TLBPPHMM

Maybank Philippines Incorporated – MBBEPHMM

Metropolitan Bank & Trust Co. – MBTCPHMM

Philippine Bank of Communications - CPHIPHMM

Philippine National Bank – PNBMPHMM

Philippine Veterans Bank – PHVBPHMM

Philtrust Bank – PHTBPHMM

Rizal Commercial Banking Corp – RCBCPHMM

Security Bank and Trust Corp – SETCPHMM

Standard Chartered Bank – SCBLPHMM

Union Bank of the Philippines – UBPHPHMM

United Coconut Planters Bank – UCPBPHMM

United Overseas Bank Philippines – UOVBPHMM

Chinabank is known for being one of the best banks in the Philippines that offers a fastest way and on-time sending of money from abroad. With Chinabank On-time Remittance facility, they want you to get the peace of mind in sending your money to your beneficiary. In short, they are giving you an assuarance that your family will fastly recieve that money that you send.

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Now, you can send your money to the Philippines through Chinabank's accredited partners in different part of the world like in US, Brunie, Malaysia, Canada, Singapore, Hongkong, Saudi Arabia, UAE, Quatar and Taiwan. All you have to do is to apply for a Chinabank On-Time Remittance Card at one of their selected on-time remittance partners so that your beneficiary can conveniently withdraw your remittance in any Chinabank, Bancnet, Megalink and Expressnet ATM.

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For more information regarding this service. You may visit their website at www.chinabank.com.ph

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This a great news for all Filipinos with Paypal account because Paypal, the world's leading and fastest online payment facility is now available in Unionbank EON or bank account.

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This only means that your Unionbank account can no withdraw funds from your Paypal Account. In addition to this features, your Unionbank VISA debit or credit cards (whether eon or ewallet) can no be used to fund your Paypal Accounts for some serious and long shoppings.

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We all know that Paypal is an easiest way or safer way to pay all the things that you love whether you go on shopping at mall, etc. Paypal also is a great facility in which you can pay without exposing your credit card number or bank account number. And Paypal also the best when in comes to spped through checkout while you are shopping online.

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So what are you waiting for, be the one of the first to experience the convenience of shopping without borders. Open an account no with Paypal and start using it through your Unionbank bank accounts.

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For more informations, you can check out Unionbank Official Website. Please click here.

Now after discussing ways on how to apply for a no annual fee credit card, I will feature now about the latest promo of HSBC, the 0% Balance Transfer Credit Card Promo.

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If you have an existing credit card from the HSBC, I'm sure you'll gonna see the brochures enclosed in your latest billing statement. Well this is a great help for us credicardholder because it will help us to boost the high interest reductions.

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You can also check the website of HSBC Philippines to further know the procedures on how to apply for a 0% Balance Transfer Credit Card and to search for its terms and conditions.

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At affordable terms to pay, all you have to do is to apply online, or thru their contact centers or just visit any branch of HSBC and fill up the applications needed.

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This may be a usefull link for you for a much details and to get tips on how to apply for a balance trasnfer.

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0% Balance Transfer Credit Card

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Did you know that getting a no annual fee credit card is so fast and easy now. Almost all the credit card companies in the Philippines are giving 1 one year no annual fee upon approval of your credit card applications.

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All you have to do is to complete the application and send it to your credit card agent together with your income tax return and 2 valid id's with picture and thats it, you can avail now of a no annual fee credit card promo.

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Please see the link below that might be useful for you and for a complete discussion on how to avail a no annual fee credit card

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No Annual Fee Credit Card

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If you need cash for school related expense of your kids, brother, or sister, Metrobank Credit Card is offering now a Back to School Promo to avail cash for an adds on interest of 0.079% only for 12 months.

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This is a limited offer by the bank in which the promo period is from May 1 to June 30, 2009. All you have to do is to simply fax with them any valid school related expense receipts along with the Back to School Promo Cash2Go application form.. The required minimum transaction amount is Php6,000 or a minimum monthly installment amortization of Php500.00

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For approve transaction, proceeds will be released in one business day through cardholder's existing MBTC CASA account only. For proceeds to be deposited to a non-MBTC deposit account., funds will be transfered in 3 business days. A transaction fee of Php50.00 shall be charged and reflected to the cardholder's next billing statement of account.

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So what are you waiting for...visit any nearest Metrobank branch and avail this Back to School Promo for the future education of your kids.

It is one of the fastest loan facilities that a bank is now offering in the Philippines. You can get cash in just as fast as 24 hours. It is where the Citibank Personal Loan that helps you to find solutions in all you need in life. With their affordable fixed monthly instalment, you are sure that you can manage your loan against your other expenses. A convenience for a better living, what are you waiting for.

Citibank Personal loan is available to provide you with the money that you need for the following purposes:

* Renovate your house

* Pay for tuition fees

* Buy furniture and appliances

* Settle/Pay your bills (credit cards, utility, etc.)

* Take that much needed vacation or

* Just for any financial need.

Life has full of surprises, sometimes it brings unexpected bills. With Citibank Personal Loan, it will help you to handle unexpected expenses like:

* Repairing a car

* Fixing a leaky roof

* Replacing a worn-out washer or

* For any medical emergencies

Citibank Personal Loan is really a big help to get the money that we need at affordable terms and payments. All loans are subject to Citibank Saving’s Credit Standards, Terms and Conditions.

With their thousands of combined BDO Remittance offices, agent locations and partners worldwide, sending money in the Philippines has never been this hastle-free! All you have to do is to visit any nearest BDO Remittance Office, partner or agent in which country you are located. Please see directories of BDO offices, agents and partners in this link.
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BDO Remittance is offering wide range of products and services. First, is the BDO Kabayan Savings Acount. This is the most convenient ways to receive money abroad because remittance is directly credited to your account. No need to carry big sum of cash. It has its features of withdrawing capacity from over 6,000 BDO, Expressnet and Megalink ATMs. Said savings account (both in dollars and peso) comes with passbook for easy references.
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Second is the Cash Pick up Anywhere. This product allows you to pick up remittance at any of their Cash Pick up locations worldwide. Please click the link for the directory.
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Lastly is the BDO Remittance Cash Card. This product allows you to receive remittance through BDO Remittance Cash Card, an electronic ATM and Debit Card in one. It is the fastest way to receive remittance right!
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So what are you waiting for, if you have love ones or families abroad, avail this kind of product offered by BDO for convenience.