Everyday AI · Daily life
Compare OFW remittance rates and minimize hidden fees
Do you want to compare two current remittance quotes before sending money home?
Editorial review 2026-09-21 · Pinoy AI Works editorial desk · Editorial provenance and safety-boundary review; not financial advice or provider certification.
What you will make
A side-by-side calculation showing how many pesos the recipient would get from each quote, without invented rates or provider claims.
What you need
Two live quotes showing the send amount, upfront fee, offered exchange rate, receiving method and exact recipient payout when available.
Before you start
Remove names, account numbers, recipient details, reference or claim codes, PINs and OTPs. Quotes can expire, so record when each quote was shown.
What to do
- Open each provider's official app or page and record the quote shown at about the same time.
- Copy only the send amount, upfront fee, offered exchange rate and exact recipient payout. Do not copy personal or transfer codes.
- Use the prompt below to compare the two quotes using only those numbers.
- Before sending, reopen the chosen provider and confirm the final fee, rate and recipient payout because quotes can change.
Try this prompt
Use two current provider quotes. Do not ask the AI to find today's rate for you.
Compare these two remittance quotes using only the numbers I provide.
Do not fetch, estimate or invent an exchange rate, fee, delivery time or provider policy.
If a value is missing, write "To confirm".
For each option, show:
1. Send amount and currency.
2. Upfront fee in its original currency.
3. Offered exchange rate.
4. Exact PHP recipient payout if provided, or the calculation if all needed numbers are present.
5. The difference in PHP payout between the options.
Do not combine fees in one currency with payouts in another and call the result a total cost unless I provide a conversion rate.
Option A: [paste safe quote details]
Option B: [paste safe quote details]See a sample result
Illustrative example. Your answer may differ.
Input (illustrative): Both quotes send USD 500. A shows a USD 3 fee and PHP 28,800 recipient payout. B shows no upfront fee and PHP 28,550 recipient payout. Example result: “A pays the recipient PHP 250 more. A also lists a separate USD 3 fee. The figures use only the two quotes; confirm both again before sending.”
Before you use it: Choose from the final official quote, not the AI summary. Verify the provider through an appropriate regulator where applicable. A BSP listing is a registration check, not a guarantee that a transaction is risk-free.
Try this follow-up
List every number that came from me and every number you calculated. Mark any missing value To confirm.
If the answer is not right
If the totals look wrong, ask for the formula line by line. Do not send money until the official provider screen shows the final fee and recipient payout.
Philippine notes
- Never share remittance reference numbers, claim codes, or OTPs on social media or in public group chats.