First time using it and says should be processed within 3 days, it's 5th day already and my mom hasn't received the money yet. Contacted the live chat and says that for first timers it will take 3 days for the money to be pulled out in my account and additional days for it to be credited in beneficiary's account as part of their protocol. This process should have been stated in their website so as not to mislead customers trying to send money in an emergency situation. In their website, it says most transfers are completed in 24 hours or less which is not the case. I suggest that they should be more transparent as to their process. I have used multiple apps for remittances and always real time transfer whether first time or not. This is the only website/app that will take approx. 5 days for the transfer to be processed. Room for improvement here.

I had a bad experience with Bayani Pay. I send money using the apps but transaction never happened. I chat with the representative and never give me a clear response. After 24 hrs, nothing happened, no transaction. When I tried to access the apps, I can no longer open my account with Bayanipay using my PIN. Something fishy here. I delete PLAID in my bank account so they cannot access my information.

Bayani Pay is a trustworthy reliable tool. Aside from obvious advantages of zero fees and high exchange rates, I like their meticulous verification process to ensure the right recipient gets the funds, as intended. I have used it for emergency relief funds for Typhoon survivors and the funds were received in 24hours. Three more times I have used it and with the same level of reliability.

The best and highest in exchange rate and team partnered with amazing customer service are superior service.

Customer Service is Topnotch! There is always somebody you can speak with or text to. I had an issue and it was resolved in minutes. Plus Zero Fees!!!

this site s*cks. i cant even change my phone number. Close your site., its pretty useless