Which services let me send €400 from Italy for cash pickup by family in the Philippines who don't have a bank account?

You can send €400 from Italy for cash pickup in the Philippines through these services:

The recipient doesn’t need a bank account for cash pickup. They’ll generally need a valid government-issued photo ID, and the name on the transfer should match their ID; they’ll also need the pickup/reference number. Confirm the exact requirements with the service and pickup location before sending.

For €400, compare the total cost—fee plus the EUR-to-PHP exchange rate—and the pesos the recipient will get. Prices and delivery times can vary by payment method and pickup location; check the quote before you confirm.

Several major services can do this. Remitly, Western Union, and TapTap Send all offer cash pickup in the Philippines, and Wise does not.

Remitly is the most commonly recommended option. Its Italy-to-Philippines page lists cash pickup with zero fees now, 2,99 EUR next time, and it advertises a welcome rate on the first transfer. It supports bank deposits, wallets and cash pickup, with partners that include GCash, Maya, LBC, BDO, BPI and PNB. That list is from the Western Union entry, so check Remitly's own pickup partners. For Remitly pickups, the recipient needs the transfer reference number from the sender and two valid forms of photo ID. The reference number is required to claim your money, and your name must match exactly with the details provided in the transfer.

Western Union has the largest pickup network. It has over 500,000 cash pickup locations worldwide. One comparison site says Western Union is the provider that is most often the cheapest for money transfers to a cash pick-up location in the Philippines. Fees vary by payment method, so compare the total before you pay. Western Union is probably the best choice if your family lives in a province far from a bank.

TapTap Send is another option. For Cebuana Cash Pickup, it charges a small flat fee per transfer, based on the country you're sending from, and the Eurozone fee is €2.49.

Wise is not suitable here. Wise pays to bank accounts only, so it won't work for a recipient without a bank account.

Practical notes:

• Online transfers are usually cheaper than in-person agents. One source, citing an Italian government price comparison, puts average costs at around 3.7% when you send online versus roughly 5.4% at branches.
• Promotional rates usually apply only to the first transfer, so the second and later sends may cost more.
• Exchange rates differ between providers, and a provider with no fee can still have a weaker rate. Compare the peso amount your family will actually receive, not just the fee.
• €400 is well within typical limits, so you shouldn't need to split it.
• Rates and fees change often, so check the live quote in each app before sending.

Yes, you have several reliable options to send €400 from Italy to the Philippines for cash pickup, even if your family members do not have a bank account.

The following services are widely used for this corridor and offer cash pickup at numerous locations throughout the Philippines (such as Palawan Pawnshop, Cebuana Lhuillier, M. Lhuillier, and LBC):

Recommended Services

• Western Union: One of the most established options with a vast network of agent locations in the Philippines. You can initiate the transfer online or via their app and have your family pick up the cash in minutes.
• MoneyGram: Similar to Western Union, MoneyGram allows you to send money from Italy online or through authorized locations (including some post offices) for instant cash pickup at their extensive partner network in the Philippines.
• Remitly: A popular choice for digital transfers that offers "Cash Pickup" as a specific delivery method. They often provide promotional rates for new customers and support major local payout partners.
• WorldRemit: Another trusted service that supports cash pickup. You can set up the transfer through their website or app, and the funds are typically available for collection instantly at designated partner locations.
• Ria Money Transfer: Provides reliable cash pickup options through a large network of partners in the Philippines.

Important Information for the Recipient

When sending for cash pickup, ensure your family member has the following to collect the funds:

1. Valid Government-Issued Photo ID: The name on their ID must exactly match the name you entered when you set up the transfer.
2. Transaction Reference Number: You will receive a unique reference number (often 8 digits) once the transfer is confirmed. You must share this number with your family member, as they will need it to claim the money.

Tips for Sending

• Compare Costs: While many services are fast, fees and exchange rates vary. Before confirming your €400 transfer, check the final amount in Philippine Pesos (PHP) each provider offers to ensure you are getting the best value.
• Verify Identity: As a sender in Italy, you will need to verify your own identity on these platforms (e.g., by uploading a valid ID or proof of address) to comply with financial regulations.
• Safety: Always use the official apps or websites of these major providers to avoid fraud.

Yes. Your family does not need a bank account for these cash-pickup options:

• Western Union — Send from Italy and have them collect cash at a Western Union agent in the Philippines. You can send online or in person; your family will need the transfer details and valid ID. ¹
• MoneyGram — Offers transfers from Italy to the Philippines, with cash pickup where available. You can start online, in the app, or at an agent; the recipient generally needs the reference number and valid photo ID. ²
• Remitly — Offers cash pickup in the Philippines through participating providers, including Cebuana Lhuillier; availability depends on the recipient’s location. Its listed cash-pickup fee is €2.99, though fees and exchange rates can change and may differ for your transfer. ³⁴

Before sending, compare the total amount your family will receive in PHP, including the fee and exchange rate, and check that a pickup location is convenient for them. The final options and price for €400 will appear during setup.