There are times when you cannot go to a local remittance center to send money to your loved ones back home. What you can do instead is to use your BDO bank account to transfer the money and then your recipient can claim it at Palawan Pawnshop, MLhuillier, Cebuana Lhuillier and other money remittance outlets. That is all possible with BDO Remit and BDO Cash Pick-up.
BDO Remit is an international money remittance service by BDO Unibank in collaboration with thousands of remittance partners worldwide. With BDO Remit, you can send money from your BDO bank account or a BDO partner office and have it picked up at any BDO branch or at a local remittance center in the Philippines. BDO Remit has several offices in the Middle East, Europe, North America and other parts of Asia, where OFWs can send money to their families and loved ones in the Philippines.
What we’ll be teaching you is how to send money from your BDO account to a local remittance center such as Palawan Pawnshop and Cebuana Lhuillier. You don’t have to go to a BDO branch to do so; all you need is a BDO online banking account and a computer or smartphone with Internet access. After sending the money from your BDO online banking account, your recipient can then claim the money at the nearest remittance outlet.
In this article, we’ll teach you how to perform a BDO Cash Pick-up transaction via your BDO online banking account. Make sure that you already have a BDO online banking account. If not, you can enroll your bank account here.
How to Send Money Through BDO Online Banking
First, log in to your BDO online banking account on your web browser. Enter the one-time password (OTP) when prompted.
On the menu on the left side of the page, click “Send Money” and then click “For Cash Pick-up at any BDO Branch/Partner.”

Fill up the send money form. Enter or select the following sender details:
- Settlement Type: Choose “Pickup”
- Transaction Type:
- Pick up Cash Anywhere (for Palawan Pawnshop, RD Pawnshop, Villarica Pawnshop and BDO Network Bank)
- Pick up Cash Cebuana (for Cebuana Lhuillier)
- Pick up Cash MLKP (for MLhuillier)
- Transfer from: Select your bank account
- Amount
- Sender Name (Last Name, First Name and Middle Initial)
- Address: Enter your city, municipality or province
- Mobile Number
- Birth Date (MM/DD/YYYY)
Enter or select the receiver details as well:
- Receiver Name (Last Name, First Name and Middle Initial)
- Receiver Address: Enter your recipient’s city, municipality or province
- Birth Date (MM/DD/YYYY)
- Gender
- Message to Receiver
- Mobile Number
- Purpose of Transaction
When you’re done, click “Submit.”

Review and verify your payment details to make sure that all the information are correct. Note that there is a ₱100 service charge.
Scroll down to the bottom of the popup window and click “Continue.” If you want to cancel the transaction, click “Cancel.”

Enter the one-time password (OTP) that was sent to your registered mobile number.
Click “Submit” go ahead with the fund transfer.

Your money remittance request is now being processed. Copy the reference number and give it to the recipient. The recipient will have to provide the reference number when claiming the money at your chosen remittance center.
The money will be ready for pick up within 48-72 hours (2-3 days). To check the status of your BDO Remit transaction, just go to this page and enter your reference number.

You will also receive an email with all the information regarding your send money request, including the reference number. Don’t delete this email as you might need it in case there are issues or problems with your transaction.
How to Send Money Through the BDO Mobile App
If you prefer to use the BDO mobile banking app, you can also use it to send money from BDO to local remittance centers. Here’s how to transfer money from your BDO account to Palawan Pawnshop, Cebuana Lhuillier, MLhuillier and other money remittance outlets:
Open the BDO mobile app and log in using your username and password. Once logged in, select the “SEND MONEY” tab at the bottom of the screen.
Choose “For Cash Pick-up at any BDO Branch/Partner.”

Provide the sender as follows:
- Transaction Type:
- Pick up Cash Anywhere (for Palawan Pawnshop, RD Pawnshop, Villarica Pawnshop and BDO Network Bank)
- Pick up Cash Cebuana (for Cebuana Lhuillier)
- Pick up Cash MLKP (for MLhuillier)
- Transfer from: Choose your bank account.
- Amount
- Sender Name (Last Name, First Name and Middle Initial)
- Address: Enter your city, municipality or province.
- Mobile Number
- Birth Date (MM/DD/YYYY)
Enter the following receiver details:
- Receiver Name (Last Name, First Name and Middle Initial)
- Receiver Address: Enter your recipient’s city, municipality or province.
- Zip Code: This is optional.
- Birth Date (MM/DD/YYYY)
- Gender
- Message to Receiver
- Mobile Number
- Purpose of Transaction: You can write “fund transfer.”
- Template Name: This is required. Enter the name of the template, which you can use again in the future (for example: “BDO to Palawan”).
- Template Description: This is required. Write a short sentence to describe the template (for example: “For my wife.”)
When you’re done filling up the details, press “CONFIRM.”

Review your payment details. The BDO Cash Pick-up fee is ₱100 per transaction.
If everything is correct, tap “CONTINUE.”
Your send money request is now being processed. Copy the reference number and give it to your recipient, which he will use for claiming the money at the remittance center you selected. If you don’t see the reference number in the app, just check the email that was sent to you by BDO.
The money will be ready for pick up within 48-72 hours or 2-3 days. You can check the status of your send money request by visiting this page and entering the reference number. Your recipient will also receive a text message once the money is ready for claiming.
How to Claim the Money
For your recipient to claim the money, he or she must go to the remittance center based on the transaction type you selected. For example, if you selected “Pick up Cash Anywhere,” then the receiver can pick up the money at a Palawan Pawnshop, RD Pawnshop or Villarica Pawnshop branch.
- Go to the BDO Cash Pick-up partner or money remittance outlet.
- Fill up the Receive Money Form with the following details:
- Sender’s name
- Sender’s mobile number
- Receiver’s name
- Receiver’s mobile number
- Reference number
- Amount of remittance
- Give the duly-accomplished Receive Money Form to the cashier along with your valid ID.
- Claim your money, ID and copy of the computer-generated form.
- Count your money before leaving.
Take note that Palawan Express Pera Padala is different from Palawan Pawnshop and is not a BDO Cash Pick-up location.
Did This Help You?
We hope that this article helped you in sending money from your BDO bank account to Palawan Pawnshop, Cebuana Lhuillier, MLhuillier and other local money remittance centers. The downside is that it takes up to 3 days for the money to be ready for pick up. If you want a quicker way to receive money, you may want to consider transferring money to another bank via InstaPay. You can also use Coins.ph to send money online to a money remittance outlet.