M Lhuillier Pera Padala Rates: Fees & Charges 2024

If you’ve ever needed to send cash quickly to a loved one in the Philippines, you’ve probably come across M Lhuillier’s Kwarta Padala service. It’s one of the most recognizable remittance names in the country, operating thousands of branches where recipients can pick up Philippine pesos in minutes. The fees, however, shift depending on how much you send—and knowing those exact numbers before you queue at a branch can save you both time and money.

Max transaction amount: PHP 250,000 ·
BPI partner fee: PHP 100 ·
Primary service: ML Kwarta Padala ·
Key feature: Cash pickup nationwide ·
Trusted by: Millions of Filipinos

The following table summarizes the core service specifications based on available data.

What are M Lhuillier Pera Padala Rates?

M Lhuillier publishes its Kwarta Padala fees on a tiered bracket system based on the principal amount sent. According to rate data compiled by Tech Pilipinas from their published schedule, the fee starts at PHP 3 for remittances from PHP 0.01 to PHP 100, then rises incrementally as the principal increases. For amounts between PHP 100.01 and PHP 200, the charge is PHP 6; for PHP 200.01 to PHP 300, it is PHP 9. The pattern continues upward through higher brackets—with a PHP 30 fee for the PHP 900.01 to PHP 1,000 range and PHP 45 for PHP 1,000.01 to PHP 1,500. At the top tier shown in available records, the fee reaches PHP 260 for transfers between PHP 15,000.01 and PHP 20,000. For amounts beyond that, additional brackets exist up to at least PHP 50,000.

Compared to competitor services, M Lhuillier’s rates run slightly higher in the small-amount brackets. Palawan Pawnshop’s Pera Padala charges PHP 2 nationwide for the PHP 1 to PHP 100 range, while Cebuana Lhuillier has run promotions at PHP 1 for the same small-amount bracket. The gap narrows as amounts increase, and M Lhuillier’s branch density—over 2,000 locations—can offset a marginally higher fee when convenience matters more than a peso of savings.

The implication: M Lhuillier’s small-amount fees run roughly PHP 1–2 higher than the cheapest competitors, but the country’s widest branch network can make up that difference in convenience and access speed.

Domestic rates

For domestic Philippine remittances, M Lhuillier’s schedule applies a flat fee determined solely by the principal amount bracket. There are no separate charges for insurance, handling, or geographic distance within the domestic network. The fee brackets cover ranges from PHP 0.01 up to PHP 50,000 or higher, with fees scaling predictably as the sent amount grows.

International rates

International senders typically do not use M Lhuillier’s domestic fee schedule directly. Instead, they route transfers through partner platforms such as WorldRemit, which displays its own total cost—including the sender-side fee and exchange rate—before the transaction is confirmed. Recipients then collect Philippine pesos at any M Lhuillier branch without paying an additional collection fee. This model means international fees vary by sender platform rather than by M Lhuillier’s domestic bracket table.

Fee structure by amount

The bracket-based fee structure means senders can estimate their exact cost before visiting a branch. M Lhuillier has extended its fee schedule across multiple tiers, with the lowest bracket (PHP 0.01–100) costing PHP 3 and the highest documented tier (PHP 15,000.01–20,000) at PHP 260. Above PHP 20,000, additional brackets apply with proportionally smaller percentage-style increments.

Can I Send Money Internationally with M Lhuillier?

Yes, but not by walking into an M Lhuillier branch and wiring money abroad. The service operates as a cash-out network for international senders rather than an outbound remittance originator. In practice, this means someone in another country—such as an overseas Filipino worker—uses a partner platform like WorldRemit to send funds, and the recipient picks up Philippine pesos at an M Lhuillier branch in the Philippines. The process is seamless for the recipient: they present an 18-digit KPTN (Kwarta Padala Tracking Number) and a valid ID at any branch to collect the cash.

WorldRemit, one of the main international partners, reports that its transfers to M Lhuillier branches reach over 2,500 pickup points and that recipients can collect cash until 10 p.m. at most branches, with 150 branches available 24/7 for same-day pickup. The sender-side experience varies by platform, but most services allow online registration, recipient phone number entry, and instant fee quotes before confirmation.

Supported countries

The countries served through WorldRemit’s partnership with M Lhuillier include major labor-sending markets such as the United States, United Kingdom, Canada, Australia, Japan, Singapore, and Saudi Arabia, among others. The full list changes as WorldRemit expands its corridors, and the service is available in dozens of countries where overseas Filipino communities are concentrated.

Partner networks

Beyond WorldRemit, M Lhuillier’s ML Express outlets serve as accredited agent locations that can accept cash for transmission to any M Lhuillier branch. This network extends the service’s physical footprint beyond company-operated branches to include authorized third-party retail locations.

Limits and requirements

Per-transaction limits cap single transfers at PHP 250,000 via partner platforms like WorldRemit, though exact maximums may vary by sending platform and sender verification level. First-time recipients at M Lhuillier may need to complete a Know Your Customer form, and senders on international platforms must typically verify their identity before the first transfer.

How to Send Money to Philippines Using M Lhuillier Kwarta Padala?

The domestic sending process at M Lhuillier is straightforward and designed for walk-in transactions. A sender visits any M Lhuillier branch or ML Express outlet with cash, a valid government-issued ID, and the recipient’s full name and contact details. After completing a Sendout Form with both parties’ information, the sender pays the principal amount plus the applicable fee. The branch then issues an 18-digit KPTN, which the sender shares with the recipient via phone, text, or messaging app. The recipient uses that KPTN to collect the cash at any M Lhuillier branch.

For international senders using WorldRemit, the process begins online: the sender registers an account, enters the Philippines as the destination country, selects M Lhuillier cash pickup, and enters the recipient’s name and mobile number. WorldRemit displays the total cost—including fees and exchange rate—before the sender confirms payment by bank transfer, debit card, or other supported method. Once processed, the sender receives a transfer confirmation with a tracking number, which the recipient uses to collect at a branch.

From abroad steps

• Register or log in to a partner platform such as WorldRemit
• Select Philippines and choose “Cash pickup at M Lhuillier”
• Enter the recipient’s full name and Philippine mobile number
• Choose the amount to send and review the total cost and exchange rate
• Pay via bank transfer, debit card, or other supported method
• Share the transfer reference number with the recipient in the Philippines
• Recipient collects cash at any M Lhuillier branch with a valid ID

Domestic process

• Visit any M Lhuillier branch or ML Express outlet
• Fill out the Sendout Form with sender and recipient details
• Present a valid government-issued ID
• Pay the principal amount plus the applicable Kwarta Padala fee
• Receive the 18-digit KPTN and share it securely with the recipient
• Recipient completes the Payout Form at their chosen M Lhuillier branch

Required documents

Both sender and recipient need a valid government-issued ID such as a Philippine passport, driver’s license, postal ID, or UMID card. First-time customers may be asked to fill a Know Your Customer form, and for larger amounts approaching the PHP 250,000 per-transaction cap, branch staff may request additional verification. International recipients collecting via WorldRemit need only the transfer reference number and a valid Philippine ID.

How Much is the Fee to Send Money with M Lhuillier?

M Lhuillier’s domestic fee schedule charges a flat bracket rate based on the principal amount sent. For amounts between PHP 0.01 and PHP 100, the fee is PHP 3; it rises to PHP 6 for the next bracket (PHP 100.01–200), PHP 9 for PHP 200.01–300, PHP 30 for PHP 900.01–1,000, and PHP 45 for PHP 1,000.01–1,500. The fee continues scaling through higher tiers, reaching PHP 260 for amounts between PHP 15,000.01 and PHP 20,000. Any fees above PHP 20,000 follow the same incremental pattern through additional undocumented tiers.

For BPI bank transfers linked to M Lhuillier’s service, the partner bank fee is PHP 100 per transaction. This BPI fee applies separately from the Kwarta Padala bracket fee and covers the bank’s processing of funds loaded onto the M Lhuillier network.

Fee by amount sent

The bracket system means a sender sending PHP 95 pays the same PHP 3 fee as someone sending PHP 50—just PHP 2 more than Palawan’s equivalent rate for the same bracket. For larger transfers such as PHP 5,000, the fee rises to approximately PHP 125, which represents roughly 2.5% of the principal—a rate that remains competitive against wire transfer fees from traditional banks.

Partner fees like BPI

When using bank-linked services rather than cash at the branch, partner financial institutions may charge their own fees on top of M Lhuillier’s bracket rate. BPI currently charges PHP 100 for Kwarta Padala-linked transfers, and other bank partners may have their own schedules. Cash walk-ins at branches incur only M Lhuillier’s bracket fee without additional partner charges.

Additional charges

No additional handling, insurance, or fuel surcharges appear in the published domestic fee schedule. For international transfers routed through WorldRemit, the sender pays the platform’s transfer fee and accepts the platform’s exchange rate margin, while the recipient pays nothing upon collection. For those interested in specific dates, you can find the Raksha Bandhan 2025 date here: Raksha Bandhan 2025 date.

What is the Maximum Remittance Amount Per Day?

The per-transaction maximum for M Lhuillier Kwarta Padala is PHP 250,000, as confirmed through WorldRemit’s partnership terms. This cap applies to individual transactions processed through partner platforms. For walk-in domestic transactions at M Lhuillier branches, the same per-transaction ceiling is effectively observed, though branch-specific policies may impose additional restrictions on extremely large cash deposits.

Whether a cumulative daily limit exists beyond the per-transaction cap is not clearly documented in available public sources. For senders handling very large amounts, the practical workaround is to split the transfer across multiple transactions on the same day—which would incur multiple bracket fees—but this should be confirmed directly with the branch to ensure compliance with anti-money laundering requirements.

Per transaction limit

Single-transaction cap: PHP 250,000. Transfers exceeding this amount require multiple transactions, which each incur a separate fee.

Daily caps

A cumulative daily cap is not publicly documented in available M Lhuillier materials. The main confirmed limit is the per-transaction ceiling via WorldRemit, which effectively serves as the practical maximum per transfer event.

Verification needs

Government-issued ID is required for all transactions. For amounts approaching or at the PHP 250,000 ceiling, branch staff may require secondary ID or additional Know Your Customer documentation, particularly for first-time customers.

Complete M Lhuillier Kwarta Padala Fee Schedule (2024)

Five tiers show the scaling pattern clearly: fees grow incrementally as principal amounts increase, with steeper jumps between mid-range and high-value brackets.

The pattern shows predictable scaling for domestic senders, with fees remaining flat within each bracket rather than charging a percentage of the transfer amount.

What People Are Saying

M Lhuillier is one of the well-known money remittance companies in the Philippines.

— Tech Pilipinas (Technology Blog)

Your loved ones can collect as late as 10pm in most branches, or 24/7 in 150 branches.

— WorldRemit (International Transfer Partner)

Palawan Express Pera Padala is committed to providing customers the cheapest rates in the country.

— Palawan Pawnshop (Competitor Service)

Summary

M Lhuillier Kwarta Padala holds its position as one of the Philippines’ most accessible remittance networks, with over 2,000 branches and extended operating hours at 150 locations. For domestic senders, the tiered fee schedule offers predictable costs—from PHP 3 for small transfers to PHP 260 for amounts approaching PHP 20,000—and the 18-digit KPTN system keeps transactions traceable. International senders benefit from WorldRemit’s upfront pricing model and zero recipient collection fees, though they pay the sending platform’s own charges and exchange rate margin. For Filipino families weighing cost against convenience, the service’s ubiquity in barangays and cities alike makes it the default choice when a loved one needs cash fast—even if Palawan or Cebuana promotions undercut the small-amount fees by a peso or two.

Related reading: BPI Online Transfer to GCash Fees · ANZ Mortgage Interest Rates

For remittances from Canada, the Remitly CAD to INR guide outlines competitive rates and fees similar to those for Pera Padala transfers.

Frequently asked questions