I drew out a couple of hundred bucks from my BPI $ account to send to me sister in Florida. Went to Western Union to send it. I was told that I would be charged a fee to send it and I replied, that I assumed that there would be a fee to do that. I was than told that there was also a fee to convert it form USDs to Picos. I ask why because I'm sending USDs and that was the money that is used in Florida, USA. I was than informed that there was also a fee to convert it form Picos BACK to USDs once it arrives in the USA. WTF!! Western Union. I figured out that Western Union was nothing more that a ripoff money scam. I put the USD's back in BPI and sent a USA check to her using FilPost and it only cost me a small postage stamp. O there was a ripoff exchange rate at both ends also. I think, Western Union is owned by a banker. Might be the reason behind my post about the ATM fees. You think?