Do you want to promote your book?

Friday, May 3, 2024

How to get paid as a Freelancer without a Bank Account? Claim your international remittances at M Lhuillier's

I remember when I was starting out as a virtual assistant, I was still young and was struggling to find my way through the freelancing industry (there wasn't any online VA coaches and mentors yet during at the time.) I had no idea how I would get paid and I did not even have my own bank account; however, I was eager to start my journey through the online world.

After 3 weeks of applying, I was lucky to land a job for a US-based client which meant I need to get everything in place including figuring out how to get paid. Opening a bank account was not an option since I barely had the funds for the maintaining balance. So, I had to do my research and find alternatives on how I can get paid as a freelancer without having a bank account. 

True enough, my client was able to pay me via Xoom and I was able to claim my international remittances via M Lhuillier. It was easy, fast and real-time. I only had to provide a valid ID and the KPTN or a tracking number. 

Months passed and I continued receiving my international remittance via ML Kwarta Padala (even though I already have my bank account) because I noticed that they offered better rates compared to other banks. Since then, they have been my reliable and trusted remittance center. 

To date, they have close to 100 international remittance partners making it easy for senders such as your client or even your family and friends abroad to send money here in the Philippines. Recipients, on the other hand can receive or claim international remittances at M Lhuillier's over 3,000 branches nationwide. 

Here's the list of M Lhuillier's international partners. 

  • Asia United Bank (AUB)

  • At & Services

  • Atin Ito Remittance Ltd.

  • Ayannah Business Solutions Inc

  • Bank of Commerce

  • BC Remit

  • BDO (Banco de Oro Remittance)

  • BM Express

  • BPI Remittance

  • Calsons Remittance

  • Al Ansari Exchange

  • Cash Express Worldwide

  • Chinabank

  • Citi Express Payment Phils.

  • Czarina Foreign Exchange

  • Development Bank of the Philippines (DBP)

  • EEC/Goldstar Philippines Inc.

  • EZ Remit

  • Family Express Canada Limited

  • Fastpay Internationl LTD.

  • Filremit

  • Forex World

  • Friendly Remittance

  • Instant Cash

  • Intel Express

  • Jalandoni Foreign Exchange & Remittance

  • Japan Remit Finance

  • Kabayan Remittance

  • Kabayan Remittance Canada

  • Keb Hana Bank

  • LDV Express

  • LMI Express Delivery (Lucky Money)

  • Lulu Money/Lulu Remit/Lulu Exchange

  • Metro Express Remittance

  • Metrobank Head Office

  • ML Global

  • Money Exchange Spain

  • Money Gram

  • Murillo Travel and Remittance Services

  • New York Bay / Transfast

  • Northern Union Remittance


  • Optimum Exchange Remit Inc

  • Pacific Ace Forex

  • Pay2Home Remittance Services

  • Paypal/Xoom


  • Pinoy Hatid Padala

  • Placid Express

  • RCBC

  • Reliable Peso Remit

  • Remitly

  • Rewire - Research and Development Ltd

  • Ria Financials

  • Signed and Delivered Inc. (also known as GEMINI)

  • Sigue Money Transfer / Coinstar

  • Steadfast Money Transfer PTE LTD.

  • TML Remittance Center

  • Tranglo

  • Transfer To/Thunes

  • Unilink Express Payment Phils. Inc.

  • Uniteller

  • UREMIT Int'l Corp

  • Viamericas

  • Western Union

  • World Remit Limited

  • Worldcom International Communications (WIC) 

How does this work? 

This means that senders can send money to you through these partner remittance centers abroad and then the recipient can receive or claim it at any of the M Lhuillier's branches nationwide. 

How can I claim my money? 

  1. Just fill out the MLKP form and present a valid ID or a ML Diamond Card.

  2. Get your cash from the Front Line Associate.

  3. Get the copy of the customer's form.

The receiver here in the Philippines has the option to receive the money either in Philippine pesos or US dollars (depending on the currency set by his sender abroad).

Not sure if it's ready for claiming? 

The easiest way to track your transaction is to email at Just provide your Tracking Number (KPTN) or Reference Number to the customer service agent.

By the way, M Lhuillier has branches that are open 24 hours allowing you to receive your international remittances fast and quick at any time of the day. This is also very helpful especially in times of emergencies. 

You may check the list of branches via this link:  If you are looking for a branch that is open 24/7, then just use the 'filter' option on the upper right side of the website.