Just some insight from someone who uses both Xoom and WU. Xoom I send to my dollar bank account here and pick up at my convenience and of coarse they (BDO) always has dollars. With WU it is best to go by branch you plan to pick up dollars in advance from and let them know you will be picking up a certain amount of dollars. The WU branch near Silliman college on Perdices start their day with $ 1,000 USD, but it seems to be able to get dollars in a couple of hours when given notice. The Branch in Robinson mall I was told should be able to get dollars faster because they are surrounded by banks.