I note that there is an advertisement current on Instagram that seeks to have me send money to the Philippines. It does so by telling me that it is easy. If ease were the chief consideration, I could point out that I have a pair of scissors in the desk and can cut cash up into small fragments and blow it out the window. To much the same benefit.
I understand that there are perfectly legitimate reasons for sending money to Manila, or Managua, or Memphis, for that matter. Relatives. Rent. Ransom. I would be the last to stop people from pursuing international trade. But I am also equally sure there are perfectly normal agencies to do this that do not involve Instagram , Twitter, or Gofundme…or any other such marginalia. I also include the Indian grocers and 7-Eleven operators with money transfer signs on their windows in this category.
Folks, ANY bank in any shopping centre can do it, with a paper receipt for you and a real live teller behind a window that you can return to if you are worried. Your money may be destined to be tamped down a tropical rat hole when it gets there, but if you are dealing with the Commonwealth Bank or Westpac, or the ANZ you can at least be sure it will arrive at the rathole intact.