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Frequently Asked Questions

?What is XCHANGED?

XCHANGED is a web and IOS/Android based service providing the you with remittance services from the comfort of your homes and with just the touch of your fingers. Now you can avail of XCHANGED remittance services in a safe, easy and hassle-free way. Anytime and anywhere.

?How do you use XCHANGED?

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!

?How long will it take for my account to get processed after signing up?

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!

?What are the convenient ways to fund account?

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.

Credit/Debit Cards - Enter Credit or Debit Card information to fund account.

?What might affect the speed of sending money to the Philippines?

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.

?What is account information and where can I see it?

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.

?How many beneficiaries can I add?

The current limit is 5 (five) beneficiaries.

?How to make my account secure?

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.

?Is there a limit to how much I can remit?

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

?What are the valid ID list for beneficiaries/recipients in the Philippines picking up cash thru our payout partners?

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

?What are pending items?

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

?Why do I need to enroll a beneficiary to a remitter?

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

?What can I see in transaction history?

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

?Can I pay bills in the Philippines using Xchanged?

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

?Does Xchanged offer door to door service to send money to the Philippines?

Yes, but first, please contact us to know if the location of your family and friends are covered in our door to door area coverage.

?Can I cancel a remittance order?

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

?Can I withdraw money from my Xchanged e-wallet?

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

?When will beneficiaries/recipients receive my remittance order?

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.

?What is the lead time on funding my e-wallet?

Over the counter - 30min after emailing deposit slip to remitcs@xchanged.me
ACH - 5-7 banking days
Credit Card - immediate

?Can i track my remittances?

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

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