Pinoy Express: Philippine Remittance Money Transfer - Faster Than Ever

Door to Door Delivery

Own Delivery Network

Almost all remittance operators offer door-to-door deliveries. However, many do so only though tie-ups or sub-contracts with agents

We operate our own delivery network to achieve maximum flexibility and better control over delivery operations. We can comply with most reasonable delivery requests, and can respond more efficiently and quickly to complaints and follow-ups.

Delivery to Any Address

Any delivery address (for the Receiver) can be given by the Sender. The address need not be the home address; it can be the office or a place where the funds will be needed, or a place which is most convenient to the Receiver. (For example, the Receiver may be hospitalized or "watching" over someone who is).

'Safest' Remittance

'Safe must always be defined in terms of the Receiver. Is it 'safe' for a Receiver to go to the same bank, or the same office, monthly, to withdraw, or pickup funds? Is it 'safe' for the Receiver to be out on the street, or riding a jeepney with money in her pocket? Many Senders presume that a door-to-door delivery is 'unsafe', but until the funds are delivered into the hands of the Receiver, the risk is with the remittance agency; the Receiver is safe at home all the time!

More Expensive?

The presumption (again) is that Door-to-Door Delivery is more expensive. The Sender may easily get this impression, because the charge for door-to-door service is generally higher than for a bank deposit. However, the Sender considers 'only' his costs, without looking at the Receiver's costs: transportation from house to bank, and back; time (waiting to withdraw, especially during 'busy' days, may take some time, or may require being absent from work); incidental costs (e.g. merienda or snacks); etc. Receivers whose provincial addresses are far from the bank's location, may find the travel and waiting time especially difficult. Some remittance agencies, to include banks, may also deduct bank charges from the amount sent. For a door-to-door delivery with Pinoy Express, there are no 'further' charges. A tip to the deliveryman, while greatly appreciated, is voluntary on the part of the Receiver (Tip solicitation is a serious offense).


Many of our deliverymen have been on the job for many years. They are masters of their delivery routes. To minimize risks however, they are 'rotated'; on these rotations, delivery efficiency may be down and not all transactions are delivered on time.

Tips are greatly appreciated, but should not be solicited.

We trust our deliverymen; if there is any complaint - tip solicitation, discourtesy, shortages, etc - please report to the nearest office. The complaint shall be investigated immediately; an offense may lead to job loss, or other disciplinary action.

'Missed' Delivery

Sometimes a delivery is 'missed' for a variety of reasons: Receiver was not at the address when the deliveryman called; the deliveryman's motorcycle broke down; weather (heavy rain, flood, mud, etc), traffic conditions, etc. The deliveryman returns 'undelivered' remittances; if he went to the address, he leaves a 'card' for the Receiver to arrange a re-delivery or pick-up. A re-delivery is undertaken if the transaction is still 'deliverable'; if new or additional information is required, as advise of non-delivery is sent to the collecting office, which obtains the additional information from the Sender. Where no delivery attempt was undertaken, the full amount remitted, to include the service charge, is refunded to the Sender. Where deliveries were attempted but the remittance was still 'undelivered' only the amount remitted is refunded.

Proof of Delivery; Short Message

The love affair of the present day Filipino with the cell phone and text (SMS) may now negate the need of the signed delivery receipt (Proof of Delivery - POD). This POD provides for a short message from the Receiver to the Sender.

Take hope - Receivers without cell phones - you can still send short messages to your Senders (on the return receipts). Our deliverymen will accept short written messages from Receivers to Senders, even if there are no deliveries.

Senders who require a proof of delivery, for any reason, please inform the Collector at the time of collection. The POD shall be 'scanned' to the collecting office. If the original proof of delivery is required, it will be slow-mailed and will take some time to arrive at the collecting office.