Chxpat Guides

Compare before you send

Magkumpara bago magpadala

Bandingkan sebelum mengirim

Banks, remittance shops and apps all charge differently — a 'flat fee' can hide a bad exchange rate. Compare the total amount your family receives, not just the fee.

Licensed remittance companies and bank transfers are the safe routes. Keep every receipt until your family confirms the money arrived.

Magkaiba ang singil ng bangko, remittance shops at apps — ang 'flat fee' minsan may nakatagong pangit na exchange rate. Ikumpara ang kabuuang matatanggap ng pamilya mo, hindi lang ang fee.

Lisensyadong remittance companies at bank transfer ang ligtas na daan. Itago ang resibo hanggang kumpirmahin ng pamilya mo na dumingging ang pera.

Bank, toko remitansi dan aplikasi menarik biaya berbeda — 'biaya flat' bisa menyembunyikan kurs buruk. Bandingkan total yang keluargamu terima, bukan hanya biayanya.

Perusahaan remitansi berizin dan transfer bank adalah jalur aman. Simpan nota sampai keluargamu memastikan uang sudah sampai.

The rules that protect your money

Mga panuntunang nagpoprotekta sa pera mo

Aturan yang melindungi uangmu

Never send money through a stranger's personal bank account — that's how money laundering and frozen funds happen.

Never send cash inside balikbayan boxes.

Ignore anyone on Facebook or WhatsApp promising to 'double' your money. Helpers lose life savings to these every year.

Huwag magpadala sa personal na bank account ng taong di mo kilala — ganyan nangyayari ang money laundering at frozen funds.

Huwag maglagay ng cash sa loob ng balikbayan boxes.

Diin mo ang mga nangangako sa Facebook o WhatsApp na 'doblehin' ang pera mo. May mga helper na nawawalan ng buong naipon tuwing taon.

Jangan kirim uang lewat rekening pribadi orang yang tidak kamu kenal — begitulah pencucian uang dan rekening dibekukan terjadi.

Jangan pernah menyelipkan uang tunai di dalam balikbayan boxes.

Abaikan siapa pun di Facebook atau WhatsApp yang menjanjikan 'menggandakan' uangmu. Setiap tahun ada yang kehilangan seluruh tabungan.

Make it automatic, make it small

Gawing regular, gawing maliit

Jadikan otomatis, jadikan kecil

Send a fixed amount every payday — automatic saving beats good intentions.

Even HK$200 a month into a separate savings account is HK$2,400+ a year that never left you.

Free workshops by NGOs like Enrich teach budgeting and safe investing specifically for helpers — worth one Sunday.

Padalhan nang ayos na halaga tuwing sweldo — mas panalo ang regular na pag-iipon kaysa sa kusa lang.

Kahit HK$200 kada buwan sa hiwalay na savings account — HK$2,400+ kada taon na hindi nawala sa iyo.

Libreng workshops ng mga NGO tulad ng Enrich — budgeting at safe investing para talaga sa helpers. Sulit na isang Sunday.

Kirim jumlah tetap setiap hari gajian — menabung otomatis menang dibanding niat baik saja.

Bahkan HK$200 per bulan ke rekening tabungan terpisah — HK$2.400+ setahun yang tak pernah hilang dari kamu.

Lokakarya gratis dari LSM seperti Enrich mengajarkan penganggaran dan investasi aman khusus untuk pekerja rumah tangga — sepadai satu hari Minggu.

Parcels: sending boxes home the safe way

Mga pakete: ligtas na pagpapadala ng boxes

Paket: cara aman mengirim kotak pulang

Balikbayan boxes (Philippines) — Filipino cargo shops in Central, Wan Chai and Jordan pack and ship by sea, usually arriving in 1–2 months. Indonesian parcel shops near Causeway Bay offer similar services home.

Compare door-to-door price + delivery time between at least two shops before you pay — rates and promo seasons differ.

Write a packing list and keep it; keep the receipt and tracking number until your family has the box in hand.

Never put cash, jewellery or important documents inside the box — send those through safe, traceable channels only.

Broken or lost box? A receipt with the shop's stamp is what makes your claim possible. No receipt = no proof.

Balikbayan boxes (Pilipinas) — mga Filipino cargo shop sa Central, Wan Chai at Jordan ang nagbabalot at nagpapadala by sea, karaniwan 1–2 buwan bago umabot. May Indonesian parcel shops din malapit sa Causeway Bay na may katulad na serbisyo.

Ikumpara ang door-to-door presyo + delivery time sa di bababa sa dalawang tindahan bago magbayad — magkakaiba ang rates at promo seasons.

Gumawa at mag-ingat ng packing list; itago ang resibo at tracking number hanggang hawak na ng pamilya mo ang box.

Huwag maglagay ng cash, alahas o mahahalagang dokumento sa loob ng box — ang mga iyon, sa ligtas at nasusubaybayang channel lang.

Nasira o nawalang box? Ang resibong may stamp ng tindahan ang siyang panghawak mo sa claim. Walang resibo = walang ebidensya.

Balikbayan boxes (Filipina) — toko kargo Filipina di Central, Wan Chai dan Jordan mengepak dan mengirim lewat laut, biasanya tiba 1–2 bulan. Toko paket Indonesia dekat Causeway Bay juga menawarkan layanan serupa.

Bandingkan harga door-to-door + waktu pengiriman minimal dua toko sebelum bayar — tarif dan musim promo berbeda.

Buat dan simpan daftar isi; simpan nota dan nomor pelacakan sampai kotaknya ada di tangan keluargamu.

Jangan pernah menyelipkan uang tunai, perhiasan atau dokumen penting di dalam kotak — itu hanya lewat jalur aman dan terlacak.

Kotak rusak atau hilang? Nota dengan cap toko yang membuat klaimmu mungkin. Tanpa nota = tanpa bukti.