I have used the Rabobank (large Dutch bank) - (transfer)Wise - BDO route for close to 6 years now, and even transferring the funds to buy our house, a car, and whatever else, never caused any problems.
I do however never transfer any amount above €5,000,- at once, to avoid unwelcome questions on either the Dutch or the Filipino side.
Wise does ask to indicate the purpose for the funds transferred, but the "ongoing household expenses" answer has always been fine.

 

The limit is due, I believe, to the recipient country - in the Philippines anything over P500,000 is subject to further enquiries. For that reason Wise allows me a £7000 limit per transaction.

 

BDO will question $10K and over, can cause a delay from Manila to Dumaguete. If you let them know before it arrives and what its for you shouldn't have any problems.

 

They accepted my wife's word on what things were for and this goes back to when we were building our house to recently for the purchase of some land.

Agree on the remittance companies; they have some arbitrary idea on what is too much and they are a complete pain in the backside; only use them for smaller quantities that I need there immediately.

Shawn