Email address: [email protected]
Contact No: 7759-9888 or 7779-9888
Category: Press Room
SecurityCARE
SecurityCARE is a Group Personal Accident Insurance specially designed for Security Guards and officers.
It covers Unprovoked Murder & Assault (UMA), Accidental Death, Disablement & Dismemberment (ADD&D), Accident Medical Reimbursement (AMR), Burial Benefit (accident/sickness) and an optional cover for Accident Daily Hospital Income (DHI).
Engineering Insurance
Engineering Insurance insures construction projects such as buildings, roads, bridges and other civil engineering projects against accidents resulting in loss or damage of works in progress, materials, construction equipment and machinery during the period of construction as well as third party liability.
Retail Fire Insurance
Retail Fire Insurance provides loss protection to buildings including furniture, fixtures, and fittings against fire, lightning, and other allied perils like earthquake, typhoon, flood, etc.
Marine Cargo / Marine Hull Insurance
Marine Cargo or Hull Insurance offers protection to any property whilst in transit by air, land and sea.
TanodCARE
TanodCARE is a Group Personal Accident Insurance specially designed for barangay tanod officials and its members/personnel.
It covers Accidental Death, Disablement & Dismemberment (ADD&D), Permanent Total Disability (PTD), Unprovoked Murder & Assault (UMA), Accident Medical Reimbursement (AMR), Burial Benefit (accident/sickness) and Accident Daily Hospital Income (DHI).
This insurance requires a minimum number of 30 enrolees aged 18 to 65 years old, Enrolees above 65 years old will be accepted subject to 50% cover of Sum Insured for all Benefits.
TODACARE
TODACARE is a Group Personal Accident Insurance specially designed for transport group leaders, officers and members.
It covers Accidental Death, Disablement & Dismemberment (ADD&D), Permanent Total Disability (PTD), Unprovoked Murder & Assault (UMA), Accident Medical Reimbursement (AMR), Burial Benefit (accident/sickness) and Accident Daily Hospital Income (DHI).
This insurance requires a minimum number of 10 enrolees aged 18 to 65 years old, Enrolees above 65 years old will be accepted subject to 50% cover of Sum Insured for all Benefits.
StudentCARE
StudentCARE is a Group Personal Accident Insurance that protects students from various perils 24/7 worldwide.
It covers Accidental Death, Disablement & Dismemberment (ADD&D), Accidental Medical Reimbursement (AMR), Unprovoked Murder & Assault (UMA); Accident Burial Benefit (ABB), Daily Hospital Income (DHI); Ambulance Fee and Fire Assistance.
CGL Insurance
Comprehensive General Liability (CGL) Insurance is a comprehensive coverage on building establishments for third party liability (bodily injury and property damage) within premises and operations of a business.
Corporate Payout
We offer a money disbursement service through our close to 2,500 branches nationwide for your company’s employee salary, monetary bonuses/incentives, money distribution, and other corporate disbursement needs.
Collection Services
We can act as your company’s collection depository for businesses who are engaged in distribution and collection. Most ideal for unbanked or underbanked areas, this service enables businesses to conveniently collect from outlets through Cebuana Lhuillier branches nationwide, assuring secure and timely remittance each time.
PeraPal
Let us help your business make it easier for your customers as we serve as your payment gateway system to enable your online shoppers pay their purchase at any Cebuana Lhuillier branch. With PeraPal, Cebuana Lhuillier serves as a third party that collects payments for online sellers. The service is especially useful for customers who prefer to pay in cash in lieu of a debit or credit card.
Bills Payment
Let us be your official bills payment station partner and extend our convenient, fast, and safe transactions to your clients. At present, Cebuana Lhuillier is a trusted bills payment partner of major telecommunication networks, insurance companies, online businesses, and schools, among others.
E-load
Cebuana Lhuillier serves as an additional point of sale for telecommunications networks through its e-load services. With more than 2,000 branches nationwide, we can help make your prepaid loading products accessible to customers.
Corporate Governance
General Exclusions
- Intentionally self-inflicted injuries, suicide or any attempt thereat, while sane or insane.
- Any bodily or mental infirmity, disease or sickness, or infection other than infection occurring because of an accidental cut or wound.
- Murder, assault or any attempt thereat, except as specifically provided under Murder and Assault Provision.
- Losses incurred while performing his duties as a member of the Armed Forces, including those of escort and security services rendered in whatever capacity or form.
- War, invasion, act of foreign enemy, hostilities or warlike operation (whatever war declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, civil commotion assuming the proportion of or amounting to a popular uprising. This exclusion shall not be affected by any endorsement which does not specifically refer to it in whole or in part.
- Poison, gas or fumes voluntarily taken, or any nuclear reaction, nuclear radiation or radioactive contamination and chemical or biological contamination. For the purposes of this exclusion, “contamination” means the contamination or poisoning of people by nuclear and/or chemical and/or biological substances which cause Illness and/or disablement and/or death.
- Accident occurring while the Insured Individual is operating or learning to operate or serving as a crew member of an aircraft or seacraft.
- Accident occurring while the Insured Individual is engaged in any dangerous sports or hobbies such as racing on wheels, glider flying , sailing or other hobbies which are comparably dangerous and risky, unless sports premium is paid to cover such risk.
- Accident caused by the effect of alcohol or any unprescribed drug on the Insured Individual.
- Any violation or attempted violation of the law or resistance to arrest by the Insured Individual.
- Cosmic or plastic surgery, any dental work, treatment or surgery, eye or ear examination, except to the extent that any of them is necessary for the repair or alleviation of damage to the Insured’s person caused solely by Accident.
- Accident occurring while the Insured Individual is performing the duties of his profession: Acrobat, Asylum Attendant, Aviator, Boilerman, Policeman, Sawmill Worker, Wood-Working Machinist and Window Cleaner.
- Accident to any of the following persons: Divers while performing underwater activities; Firemen while performing fire-fighting activities;
- Any Act of Terrorism or any action taken in controlling, preventing, suppressing, or in any way relating to, any act of terrorism. For the purpose of this exclusion, an “Act of Terrorism” means an act, including but not limited to, the use of force or violence, atomic/ biological/ chemical weapons, weapons of mass destruction, disruption or subversion of communication and information systems infrastructure and/or the contents thereof, sabotage or any other means to cause or intended to cause harm or whatever nature and/or the threat of any of the aforementioned acts, of any person or group(s), whether acting alone or in behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
Am I required to avail of ProtectMAX insurance
Our ProtectMAX personal accident microinsurance is optional. However, we highly recommend that you avail of it, considering the premium benefits that you will enjoy if you have one. For only P50 per certificate, you will get up to P25,000 personal accident coverage plus P5,000 fire cash aid and P1,000 hospital cash assistance for four months.
What is the period of coverage of ProtectMAX
Each ProtectMAX personal accident microinsurance certificate is valid for four months from enrollment. You must renew your ProtectMAX certificates after four months to continue your eligibility for the claiming of benefits should the time of need arise.
Sample Partnership Faq
Missing Content
Partnership IDs Accepted
Missing Content
Partners
Cebuana Lhuillier Financial Branch
Branch Name : CLF Robinsons Galleria
Address: L/GF Robinsons Galleria Ortigas Ave. Ugong Norte, Quezon City
Contact No: 0993-517-0245 / 84511446
Business Hours : 10:00am – 8:00pm
Branch Name: CLF SM Manila
Address: 4th floor, SM Manila, Ermita Manila.
Contact Number: 0947-712-5699 / 85257862
Business Hours: 10:00am – 8:00pm
Branch Name : CLF Market Market
Address: Level 3, Market Market, McKinley Pkwy, Taguig, Metro Manila
Contact No: 0929-589-2823 / 85355446M
Business Hours : 10:00am – 8:00pm
Branch Name: CLF Alimall
Address: Level 2, Alimall 2 13th Avenue Corner P. Tuazon Blvd. Socorro
Contact No: 0981-797-1955
Business Hours: 10:00am – 7:00pm
Branch Name: CLF Alimall
Address: Level 2, Alimall 2 13th Avenue Corner P. Tuazon Blvd. Socorro
Contact No: 0981-797-1955
Business Hours: 10:00am – 7:00pm
Branch Name: CLF Robinsons Manila
Address: Level 1 Adriatico St. Robinsons Manila, Ermita, Manila
Contact No: 0997-602-5477 / 85257862
Does a Money Remittance transaction have an expiry
Most money transfer transactions are valid for 5 years with the exception of international remittance via Moneygram which is valid only for 45 days.
I’m only sending money, why do I have to present a valid ID for this transaction
We only require IDs from clients who will be sending money remittance for the first time. This is in line with our compliance with the Bangko Sentral ng Pilipinas (BSP) policy of knowing our clients to ensure the safety and integrity of your transaction.
IDs Accepted
- Passport
- Driver’s License
- Professional Regulations Commission (PRC) ID
- National Bureau of Investigation (NBI) Clearance
- Police Clearance
- Postal ID
- Voters ID
- Tax Identification Number (TIN)
- Barangay Clearance
- Government Service Insurance System (GSIS) e-Card
- Social Security System (SSS) Card
- Senior Citizen ID Card
- Overseas Woekers Welfare Administration (OWWA) ID
- OFW ID
- Seaman’s Book
- Alien Certificate of Registration (ACR)/ Immigrant Certificate of Registration
- Government office and GOCC ID (eg. AFP, HDMF?Pag-ibig Fun IDs
- Certification from the National Council in Disability Affairs (NCDA)
- ID issued by the National Council on Disability (NCDA)
- DSWD Certification
- Integrated Bar of the Philippines ID
- Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC
- Philippine Health Insurance Card ng Bayan
- School ID signed by the principal or head of educational institution
- National ID/Philippines Identification Card (PhilID)
- Philippine Identification Card (PhilID) issued by Philippines Statistics Authority (PSA)
- Unified Multi-Purpose IS (UMID)
Why is there a need to test my item during pawning
We need to test the item you submit for pawning so that we can give the proper appraisal value for your item.
?Can I still renew or redeem my item even if I lost my pawn ticket
Yes. Immediately inform your branch of the loss so that we can prevent redemption by unscrupulous individuals. During renewal or redemption, you need to present a notarized affidavit of loss and valid IDs.
?Will my jewelry item be damaged during appraisal
No. Our branch personnel are expertly trained to carefully appraise jewelry items. In some cases and with your permission, however, special tools may be needed to better appraise the items. The effects of these tools on your item will be barely noticeable.
?Aside from jewelry items and appliances, what other items do you accept for pawning
We also accept electronic gadgets such as mobile phone, digicam, videocam, magic sing, and the like. Inquire from the pawnshop nearest you for the other items accepted for pawning.
?Is my pawned item safe while in your custody
Yes, your item is safe because it will be placed in a sealed plastic pouch with your signature. This ensures that your item will never be tampered. Aside from this, we have enforced in every branch tight security measures to ensure the safety of the item you’ve entrusted with us.
?Can I see my item even if I will not redeem it
As part of our security measures, we do not allow items to be brought out from the vault except when the item is redeemed. This is to ensure the safety and security of your items.
?Can I redeem my item anytime during business hours
You can redeem your item anytime except on Sundays and after 5pm from Monday to Saturday.
?How can I avoid foreclosure of my item
To avoid foreclosure, you need to renew or redeem your item on or before the expiry date, that is, 120 days from the loan date.
?Will you be sending a notice/reminder prior to the expiration of my loan
Yes, we will send a notice via postal mail. Therefore, it is important that you provide us with your complete and updated address.
?What happens to my foreclosed item
Foreclosed items are offered for public auction. The auction schedules are published in various tabloid newspapers.
?Can anyone redeem the item on behalf of the pawner
We encourage our pawners to personally redeem their items. In the event that they are unable to do so, they may authorize another person to redeem the item on their behalf. Both the pawner and authorized representative must sign at the back portion of the pawnticket. Upon redemption, the representative must present the duly signed pawnticket along with the valid IDs of the pawner and the authorized representative. This is to ensure the safety and integrity of the item redemption and protection of our pawner.
BSP Circular
MANUAL OF REGULATIONS FOR NON-BANK FINANCIAL INSTITUTIONS – PAWNSHOPS
Pawnshops who transact with any pawner for the first time shall require the pawner to present the original and submit a clear copy of at least one (1) valid photo bearing identification document (ID) issued by an official authority.
The valid ID should indicate the address where the pawner resides, otherwise, pawner shall be required to present, together with the valid ID, a barangay certification or a copy of a billing statement that indicates the address where the pawner resides.
For this purpose, the term “official authority” shall refer to any of the following:
- Government of the Republic of the Philippines;
- Its political subdivisions and instrumentalities;
- Government-owned and/or controlled corporations (GOCCs); and
- Private entities or institutions registered with or supervised or regulated either by the BSP or the SEC or the Insurance Commission (IC).
Valid IDs include the following:
- Passport; inlcuding those issued by foreign governments
- Driver’s License
- Professional Regulation Commission (PRC) ID
- National Bureau of Investigation (NBI) Clearance
- Police Clearance
- Postal ID
- Voter’s ID
- Barangay Certification
- Government Service Insurance System (GSIS) e- Card
- Social Security System (SSS) Card
- Senior Citizen Card
- Overseas Workers Welfare Administration (OWWA) ID
- OFW ID
- Seaman’s Book
- Alien Certification of Registration/ Immigrant Certificate of Registration
- Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID), Home Development Mutual Fund (HDMF ID)
- Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
- Department of Social Welfare and Development (DSWD) Certification
- Integrated Bar of the Philippines ID
- Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC
- Passports issued by foreign governments
The foregoing shall be in addition to the customer identification requirements under Rule 9.1.c of the Revised Implementing Rules and Regulations (RIRRs) of R.A. No. 9160, as amended (Anti-Money Laundering Act), which requires pawnshop to obtain the following minimum information / documents from pawners:
- Name;
- Present address;
- Permanent address;
- Date and place of birth;
- Nationality;
- Nature of work and name of employer or nature of self-employment/business;
- Contact numbers; and
- Specimen signature.
A copy of the ID, barangay certificate and/or billing statement shall be kept by pawnshops for convenience of the pawner who continues to transact with the pawnshop but said documents should be updated at least every three (3) years. Pawnshops shall post excerpts of the above requirements conspicuously in its principal place of business and branches. The poster (shown as Appendix 7) shall not be smaller than 8.5 x 11 inches.
Loan Limit. Pawnshops may grant such amount of loans as may be agreed upon between the parties. The amount of loan shall in no case be less than thirty percent (30%) of the appraised value of the security offered, unless the pawner manifests in writing that he is applying for a lesser amount. Pawnshops shall not underappraise the security offered for the loan to circumvent the restriction prescribed by this Section.
Interest and Surcharges. The rate of interest including surcharges on any loan or forbearance of money extended by a pawnshop shall not be subject to any ceiling. However, pursuant to a decision of the Supreme Court (case of Medel, et al vs Court of Appeals, GR No. 131622 dated 27 November 1998) the interest rate shall not be iniquitous, unconscionable, or contrary to morals, if not against the law as may be determined by the Court. No pawnshop shall collect interest on loans in advance for a period of more than one (1) year.
(Circular No. 656 dated 02 June 2009)
Rate of interest in the absence of stipulation. The rate of interest for a loan or forbearance of money in the absence of an expressed contract as to such rate of interest, shall be twelve percent (12%) per annum.
(Circular No. 656 dated 02 June 2009)
Other charges. In addition to interest, pawnshops may impose a maximum service charge of five pesos (P5.00), but in no case to exceed one percent (1%) of the principal loan. No other charges, such as but not limited to insurance premium for the safekeeping and conservation of the pawned item, shall be collected.
Past Due Accounts; Renewal
A loan may be renewed for such amount and period as may be agreed upon between the pawnshop and the pawner, subject to the same conditions provided in this Part for new loans. No loan shall be renewed or its maturity date extended unless a new pawn ticket as defined in Sec. 4102P shall be issued indicating the new term of the loan agreed upon by the pawnshop and the pawner.
Right of pawner to redeem pawn within ninety (90) days from maturity
A pawner who fails to pay or renew his loan with a pawnshop on the date it falls due shall have ninety (90) days from the date of maturity of the loan within which to redeem the pawn by paying the principal amount of the loan plus the amount of interest that shall have accrued thereon. The amount of interest due and payable after the maturity date of the loan shall be computed upon redemption based on the sum of the principal loan and interest earned as of the date of maturity. The procedures to be followed in case the pawner fails to redeem his pawn are prescribed in Sec. 4324P.
If the maturity date of the loan or expiry date of redemption period falls on the pawnshop’s non-business day, a regular holiday or a special non-working holiday in the locality, then the maturity date of the loan or expiry date of redemption period shall be on the next business day.
If the pawnshop is closed on the maturity date of the loan or expiry of the redemption period, with or without prior notice to the pawner, then the maturity date of the loan or expiry of redemption period shall be on the next business day and the pawnshop shall not charge additional interest or surcharge to the pawner. If the pawnshop is closed due to a robbery, then the maturity date of the pledge or expiry of redemption period shall be on the next business day when the pawnshop opens for business and the pawnshop shall not charge additional interest or surcharge to the pawners.
Redemption of Pawns.
A pawnshop shall not release any pawn without first requiring the pawner to present and surrender the corresponding pawn ticket. If the pawn ticket was lost and could not be presented or surrendered, the pawnshop shall require the owner-pawner to execute and submit an affidavit of loss and shall ascertain the identity of the pawner, to ensure that the pawned item is released only to the owner-pawner.
The pawnshop shall return the pawn in the same condition when they were first pawned by pawner, upon full settlement of the loan.
(Circular No. 656 dated 02 June 2009)
Notices to the Pawner and to the Public
ON OR BEFORE THE EXPIRATION OF THE NINETY (90)-DAY GRACE PERIOD, A PAWNSHOP SHALL NOTIFY A PAWNER IN WRITING THAT THE PAWN SHALL BE SOLD OR OTHERWISE be DISPOSED OF, lN THE EVENT THE PAWNER FAILS TO REDEEM THE PAWN WITHIN THE NINETY (90)-DAY GRACE PERIOD, SPECIFYING IN THE SAME NOTIFICATION THE DATE, HOUR, AND PLACE WHERE THE SALE SHALL TAKE PLACE. The notice shall be sent through the mode of notification AGREED UPON BY THE PAWNER AND THE PAWNSHOP AS indicated AT THE BACK OF the pawn ticket at the time the loan was granted which may be through text/SMS message, electronic mail, FAX or by mail to the residential address. lf sent through text/SMS, the pawnshop shall obtain a report from the appropriate Telecommunications Company (TELCO) indicating that a text/SMS message was sent to the mobile phone number given by the pawner. The report of the TELCO shall be made available to BSP upon request.
IN CASE NO SPECIFIC MODE OF NOTIFICATION IS AGREED UPON AND INDICATED AT THE BACK OF THE PAWN TICKET, THE MODE OF NOTIFICATION SHALL BE BY ORDINARY MAIL. PAWNSHOPS SHALL EXERT REASONABLE EFFORT TO NOTIFY THE PAWNER AND PUT ON RECORD IF IT IS UNABLE TO DO SO. PAWNSHOPS SHALL MAINTAIN PROOF OF THE NOTICE TO PAWNER.
If upon the expiration of the ninety (90)-day grace period, the pawner fails to redeem his pawn, the pawnshop may sell or dispose of the pawn only after it has published a notice of public auction of unredeemed articles held as security for loans in at least two (2) newspapers circulated in the city or municipality where the pawnshop has its place of business, six (6) days prior to the date set for the public auction.
The notice shall be in English, and in either Filipino or the local dialect and shall contain the following:
- Name and address of the owner of the pawnshop; and
- Date, hour and place of the auction sale.
In remote areas where newspapers are neither published nor circulated, the publication requirement shall be complied with by posting notices at the city hall or municipal building of the city or municipality and in two (2) other conspicuous public places where the pawnshop has its place of business.
Terms and Conditions
- The pawner hereby accepts the pawnshop’s appraisal as proper.
- The pawner agrees on the interest rates imposed in this contract of pledge. In case of dispute, the regular courts of law have the vested power to determine the reasonableness and legality of interest rates. The pawnshop hereby agrees not to collect advance interest for a period of more than one (1) year.
- The service charge is equivalent to one percent (1%) of the principal loan, but shall not exceed to five pesos (P5.00). No other charges shall be collected.
- This loan is renewable for such amount and period as may be agreed upon between the pawnshop and the pawner subject to the same requirements for a new loan.
- Upon maturity of this loan, as indicated on the face of this pawn ticket, the pawner has ninety (90) days from maturity date within which to redeem the pawn by paying the principal loan plus the interest that shall have accrued thereon.
- The amount of interest due and payable after the maturity date of the load up to the redemption period shall be computed upon redemption at the rate of provided above based on the sum of principal loan and interest earned as of the date of maturity.
- The pawnshop shall notify the pawner of any change in its business address/location through: (1) publication in English and in Filipino or in the local dialect in two (2) daily newspapers of general circulation in the city or municipality where the pawnshop is closing business and (2) posting in English and Filipino or in the local dialect for one (1) month after the date of publication in a conspicuous place in the premises to be vacated and to be transferred to.
- The pawner and pawnshop agree that the notice of auction shall be delivered via e-mail, SMS, or ordinary mail at_______________________ (check box of agreed mode and indicate the email address, mobile phone no., or complete residential address as may be appropriate, in the space provided). In case no mode of notification is agreed upon, the default shall be via ordinary. The pawnshop shall have the right to sell or dispose of the pawn in public auction if the pawner fails to redeem the pawn within the (90) day grace period. The pawnshop shall send the reminder on or before the expiration of the ninety (90) day grace period.
- The pawner shall advise the pawnshop of any change of address/mobile phone number/e-mail address.
- This ticket shall be surrendered at maturity date upon payment of the loan. In case of loss or destruction of this ticket, the pawner hereby undertakes to personally present an affidavit to the pawnshop before the redemption period expires. The pawnshop has two (2) days whether to accept: (1) the affidavit in place of the original pawn ticket, or (2) to issue a substitute pawn ticket, thereby cancelling the original.
- In case of pre-payment of this loan by pawner, the interest collected in advance shall accrue in full to the pawnshop.
- The pawner shall not be entitled to the excess of the public auction sale price over the amount of principal, interest and service fee: neither shall the pawnshop be entitled to recover the deficiency from the pawner.
- The pawner declares under the Anti-Fencing law that he is the owner of the property subject of this contract.
- The pawnshop shall excercise reasonable care and caution that an ordinary prudent person would as to his own property over the thing pawned in accordance with Republic Act No. 386 (Civil Code of the Philippines) as amended. Accordingly, the pawnshop shall insure all pawned items, except those which are kept inside a fireproof vault, in accordance with the pertinent regulations of the Bangko Sentral ng Pilipinas. Claims for restitution by pawners in case of loss, destruction or defect of the pawn due to robbery, fire and other fortuitous event, with or without the fault or negligence of the pawnshop, its owner, managing partner, directors and officers are cognizable by the regular courts.
- The pawnee shall not be liable for all the loss or damage of the article pawned due to fortuitous events or force mejure. When the loss is due to the fault and/or negligence of the pawnee, the amount of its liability, if any, shall be limited to the appraised value appearing on the face hereof.
- In case this loan is not paid on maturity date, the pawner herby agrees to pay in addition to accrued interest, 2 percent per month of principal, as liquidated damages. For purposes of computing the amount of liquidated damages, a fraction of the original term of the loan agreed upon as indicated at the face of the pawn ticket shall be considered as one full term.
- Venue of all judicial and administrative cases or proceedings with this contract shall solely and exclusively be brought before appropriate courts, departments, offices or agencies of the government situated in Parañaque City, Metro Manila.
ProtectNow Sample
Test
Pera Padala Agents
- Action.Able, Inc.
- Asenso Pinoy Stores
- CIS Bayad Center, Inc.
- CARD Bank
- Card MRI Rizal Bank Inc.
- Card SME Bank
- Cherrypay Phillippines, Inc
- CVM Pawnshop
- Daniel Pawnshop
- DPB
- Direct Agent 5
- Expresspay
- Gemmary Pawnshop and Jewelry
- Global Pinoy Remittance and Services (GPRS)
- GPRS – Unified Products and Services, Inc.
- GRJ Jaro Pawnshop Corp.
- Republic Pawnshops Corporation (H Lhuillier)
- LBC Express Inc.
- LIPA BANK
- LUCKY DRAGON PAWNSHOP
- Marjam Money Changer Corp
- Optimum Exchange Remit, Inc. -(All Cash)
- Petnet Inc.
- PisoPay.com Inc.
- Raquel Pawnshop, Inc
- Robinsons Bank, Inc.
- SM
- True Money Philippines, Inc.
- USSC (Universal Storefront Services Corporation)
- Vantage Financial Corp. (Ebiz)
- H. Villarica Pawnshop, Inc.
- Sinag Pawnshop
- LOLC
- Zing Unltd. Inc
- Agrilife
- Pitakamo
How to be a Partner
- Coordinate with a CLBS SO or sign-up in this link www.cebuanalhuillier.com/peralink-retail-form/
- Submit the requirements
- Pay the on-boarding fee and access the website/app
Requirements
- 2 Valid IDs
- NBI/Police Clearance/Brgy. Cert
- Proof of Address
- Proof of Income
Partnership Benefits
- Wide range of network
- Serves as an option of Cebuana clients
- Easy access to Cebuana Lhuillier services
How to be a Partner
- Coordinate with CLBS
- Initial Meeting
- Sign MNDA
- Submit the requirements and signed Offer Sheet
- BERF for partner code/ accounting code Integration
- Access the website/app
Requirements
- Certificate of Incorporation issued by Securities and Exchange Commission (SEC)
- BusinessPermit, Registration Certificate
- Certificate of Registration issued by BangkoSentralngPilipinas (BSP)/ Insurance Commission (IC), etc.)
- Articles of Incorporation
- Latest General Information Sheet
- Minimum information of all authorized signatories
- Latest Audited Financial Statement
- Valid IDs of Directors and/or Stockholders and/or Officers/ Signatories
- Secretary Certificate of Authorized
- Signatories and/or Board Resolution authorizing the intent to engage in business relationship with PJLI
- Money Laundering and Terrorism Financing Prevention Program (MTPP)
- Manual (AML Program)
- Anti-Money Laundering Council (AMLC)
- Certificate of Registration
- Notarized Memorandum of Agreement
- Accomplished Anti-Money Laundering (AML) and Know Your Customer (KYC) Questionnaire
Partnership Benefits
Provides access to Cebuana Lhuillier services especially in remote areas
How to be a Partner
In order to be a Cebuana Lhuillier Authorized Agent client must submit all of the requirements to [email protected]. A Cebuana Lhuillier sales officer will then contact the client to proceed with the accreditation.
Client can also contact the following numbers for further inquiries:
| Region | Mobile Number |
|---|---|
| National Sales Corporate Accounts | 09262804838 |
| Metro Manila | 09563226904 |
| South Luzon | 09490203467 |
| Central Luzon | 08980151224 |
| North Luzon | 09175480130 |
| Visayas | 09666158322 |
| Mindanao | 09093712569 |
Requirements
- Cebuana Lhuillier Authorized agent Application form
- Photo of store Business Establishment
- Photocopy of at least 2 standard Proof of Identification of the applicant.
- Business Permit (All Businesses except Micro-Enterprise; for every branch enrolled)
- BIR Certificate of Registration (All businesses except Micro Enterprise)
- SEC Registration and Articles of Partnership/Incorporation and Bylaws (for Corporation, Partnership, Association, and Cooperative only)
- DTI Registration (Small and Medium Enterprise only)
- Barangay Clearance/Permit (Micro Enterprise only)
Partnership Benefits
Provides access to Cebuana Lhuillier services especially in remote areas
Be a Member
- If you would like to have a 24k virtual card, you may ask assistance from our branch personnel and they will enrol you for FREE. No additional forms needed just present a valid ID upon application.
- Your account information will be available online for you to access 24/7 just log in to the 24k Online Portal, using your customer ID, phone number or email that you used during your registration
- If you prefer to have a physical card, fill out the application form and submit it to our branch personnel. Present a valid ID upon application.
Earn Points
| TRANSACTION TYPE | 24k VIRTUAL CARD | 24k GOLD VIRTUAL CARD |
|---|---|---|
| Pawning | 1 point for every PHP 30 fee paid | 1 point for every PHP 25 fee paid |
| Domestic Remittance | ||
| Insurance | ||
| International Payout | 3 points for every transaction | |
| International Sending | 5 points for every transaction | |
| Opening of a New MicroSavings Account | 2 points for every new Microsavings Account opened through any Cebuana branch | |
| eCebuana | 1 point for every applicable transaction in eCebuana app, regardless of amount but minimum of PHP500 per transaction. Applicable eCebuana transactions: Bills Pay, DomRem, Eload, Instapay, and On-us Fund Transfer |
|
Notes:
- 1 point = Php 1
- Points earned will be credited within 30 days from date of transaction”
Pay out at the branches: 1 point for every transaction, regardless of amount
Rewards
- Reward points can serve as a payment for interest or fees in any pawning and remittance transactions.
- Reward points can also be converted to E-load credits.
- 24k card also provides you easy management of transactions through the 24k Online Portal that lets you view your previous and current transactions with Cebuana Lhuillier. The portal also allows you to inquire about our services or even transact through cellphone or the Internet.
For clients who earn a total of 110 points within the year, they are automatically elevated into a 24k Gold Card Member who enjoy additional perks and and benefits.
24k Cebuana members enjoy the following benefits:
How to Redeem Points
Visit the nearest Cebuana Lhuillier Pawnshop branch or Pera Padala stand-alone outlet and present your 24k card or 24k virtual card to our branch personnel.
Converting Your 24k Points
Converting your 24k reward points to E-load
- Present your 24k card to our branch personnel.
- The branch personnel will check the total number of points in your card.
- Choose from Cebuana Lhuillier’s loading services. There are no limits to how much a cardholder can load per day.
Converting your 24k reward points as donations to charitable institutions
- Present your 24k to our branch personnel.
- The branch personnel will check the total number of points in your card.
- Have at least one transaction at the branch (pawning, renewal, redemption, remittance) and make sure that the card has available points to donate to charitable institutions that have partnered with Cebuana Lhuillier.
- Fill out the Pera Padala form, write the name of your recipient and, the amount that you wish to donate from your 24k reward points.
How to Buy
Cebuana Lhuillier’s insurance is available via online, our physical stores & our retail partners. You can visit one of our physical branches on online branches to purchase your insurance. Click on the store list above to choose an online store or find a branch near you.
How to claim
To claim your insurance, please send an email via [email protected] or [email protected]. You may also call us at 0968-856-5459.
Written notice of incident on which claim may be based must be given to Cebuana Lhuillier Insurance Brokers within thirty (30) days after the date of the accident causing such disablement/dismemberment.
Once approved, claim your benefit at any Cebuana Lhuillier branch nationwide.
Some health insurance may be covered by cashless claims. This means, clients may no longer need to pay any amount during hospitalization, so no reimbursement will be required.
For non-declaration of insurance beneficiaries, the rule under the Philippine Insurance Code will prevail.
NOTE: Only claims below P50, 000 are payable in cash. Claims above P50, 000 shall be through check payment.
How to Send Money
- Visit any Cebuana Lhuillier branch and fill out the Pera Padala form.
- Present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
- Give the total amount to be paid.
- Secure the Pera Padala form (and count the change received, if there is any).
- Provide the 10-digit control number to the receiver/beneficiary of money transfer.
NOTE: The receiver/beneficiary should provide the control number and present a valid ID when claiming the remittance.
How to claim Money
- Visit any Cebuana Lhuillier Pawnshop branch and fill out the Pera Padala form.
- Present the accomplished form, valid ID and 24k card (if a 24k card holder) to the branch personnel.
- Count the money received.
Rates and Charges (Domestic)
| Amount | PROMO RATE | NCR | NORTH LUZON | CENTRAL LUZON | SOUTH LUZON | VISAYAS | MINDANAO | |
| (NATIONWIDE) | ||||||||
| 1 | 100 | ₱1.00 | ₱1.00 | ₱1.00 | ₱1.00 | ₱1.00 | ₱1.00 | ₱1.00 |
| 101 | 200 | ₱2.00 | ₱3.00 | ₱1.00 | ₱1.00 | ₱1.00 | ₱1.00 | ₱1.00 |
| 201 | 300 | ₱3.00 | ₱5.00 | ₱2.00 | ₱2.00 | ₱2.00 | ₱2.00 | ₱2.00 |
| 301 | 400 | ₱4.00 | ₱10.00 | ₱3.00 | ₱3.00 | ₱3.00 | ₱3.00 | ₱3.00 |
| 401 | 500 | ₱5.00 | ₱15.00 | ₱7.00 | ₱7.00 | ₱7.00 | ₱7.00 | ₱7.00 |
| 501 | 600 | ₱6.00 | ₱17.00 | ₱9.00 | ₱9.00 | ₱9.00 | ₱9.00 | ₱9.00 |
| 601 | 700 | ₱7.00 | ₱20.00 | ₱10.00 | ₱10.00 | ₱10.00 | ₱10.00 | ₱10.00 |
| 701 | 800 | ₱8.00 | ₱20.00 | ₱12.00 | ₱12.00 | ₱12.00 | ₱12.00 | ₱12.00 |
| 801 | 900 | ₱9.00 | ₱23.00 | ₱12.00 | ₱12.00 | ₱12.00 | ₱12.00 | ₱12.00 |
| 901 | 1000 | ₱10.00 | ₱25.00 | ₱15.00 | ₱15.00 | ₱15.00 | ₱15.00 | ₱15.00 |
| 1001 | 1500 | ₱15.00 | ₱40.00 | ₱20.00 | ₱20.00 | ₱20.00 | ₱20.00 | ₱20.00 |
| 1501 | 2000 | ₱20.00 | ₱50.00 | ₱30.00 | ₱30.00 | ₱30.00 | ₱30.00 | ₱30.00 |
| 2001 | 2500 | ₱25.00 | ₱65.00 | ₱40.00 | ₱40.00 | ₱40.00 | ₱40.00 | ₱40.00 |
| 2501 | 3000 | ₱30.00 | ₱75.00 | ₱50.00 | ₱50.00 | ₱50.00 | ₱50.00 | ₱50.00 |
| 3001 | 3500 | ₱35.00 | ₱90.00 | ₱60.00 | ₱60.00 | ₱60.00 | ₱60.00 | ₱60.00 |
| 3501 | 4000 | ₱40.00 | ₱100.00 | ₱70.00 | ₱70.00 | ₱70.00 | ₱70.00 | ₱70.00 |
| 4001 | 5000 | ₱50.00 | ₱110.00 | ₱90.00 | ₱90.00 | ₱90.00 | ₱90.00 | ₱90.00 |
| 5001 | 6000 | ₱60.00 | ₱220.00 | ₱114.00 | ₱114.00 | ₱114.00 | ₱114.00 | ₱114.00 |
| 6001 | 7000 | ₱70.00 | ₱220.00 | ₱118.00 | ₱118.00 | ₱118.00 | ₱118.00 | ₱118.00 |
| 7001 | 8000 | ₱80.00 | ₱220.00 | ₱125.00 | ₱125.00 | ₱125.00 | ₱125.00 | ₱125.00 |
| 8001 | 9500 | ₱95.00 | ₱220.00 | ₱125.00 | ₱125.00 | ₱125.00 | ₱125.00 | ₱125.00 |
| 9501 | 10000 | ₱100.00 | ₱240.00 | ₱140.00 | ₱140.00 | ₱140.00 | ₱140.00 | ₱140.00 |
| 10001 | 14000 | ₱140.00 | ₱250.00 | ₱260.00 | ₱260.00 | ₱260.00 | ₱260.00 | ₱260.00 |
| 14001 | 15000 | ₱150.00 | ₱300.00 | ₱310.00 | ₱310.00 | ₱310.00 | ₱310.00 | ₱310.00 |
| 15001 | 20000 | ₱200.00 | ₱350.00 | ₱360.00 | ₱360.00 | ₱360.00 | ₱360.00 | ₱360.00 |
| 20001 | 30000 | ₱300.00 | ₱400.00 | ₱410.00 | ₱410.00 | ₱410.00 | ₱410.00 | ₱410.00 |
| 30001 | 40000 | ₱400.00 | ₱450.00 | ₱460.00 | ₱460.00 | ₱460.00 | ₱460.00 | ₱460.00 |
| 40001 | 50000 | ₱500.00 | ₱500.00 | ₱510.00 | ₱510.00 | ₱510.00 | ₱510.00 | ₱510.00 |
Where to Remit
Cebuana Lhuillier has 3,000 branches all over the Philippines. Find the nearest one using our branch locator.
Remit to Account
| Domestic RTA via Direct Deposit | BPI |
| Metro Bank & Trust Company | |
| Domestic RTA via InstaPay | AllBank (A Thrift Bank), Inc. |
| Asia United Bank Corporation | |
| Bangko Mabuhay | |
| Bank of Commerce | |
| BDO Network Bank | |
| BDO Unibank, Inc. | |
| Binangonan Rural Bank | |
| BPI /Family Bank | |
| BPI Direct BanKO | |
| Camalig Bank, INc. (A RURAL) | |
| CARD Bank Inc. | |
| China Bank Savings, Inc. | |
| China Banking Corporation | |
| Community Rural Bank of Romblon (Romblon), Inc. | |
| CTBC Bank (Philippines) Corporation | |
| Development Bank of the Philis | |
| Dumaguete City Development Bank, Inc | |
| Dungganon Bank (A Microfinance Rural Bank), Inc. | |
| East West Banking Corporation | |
| East West Rural Bank, Inc. | |
| Equicom Savings Bank, Inc. | |
| o ING Bank N.V. | |
| ISLA Bank | |
| Land Bank of The Philippines | |
| Legazpi Savings Bank, Inc. | |
| Malayan Bank | |
| Maybank Philippines, Inc. | |
| Metrobank Bank & Trust Company | |
| Mindanao Consolidad Cooperative Bank | |
| Partner Rural Bank (Cotabato) | |
| PayMaya Philippines | |
| Philippine Bank of Communications | |
| Philippine Business Bank | |
| Philippine National Bank | |
| Philippine Savings Bank | |
| Philippine Trust Company | |
| Philippines Veterans Bank | |
| Producers Savings Bank Corporation | |
| Queen City Development Bank, Inc | |
| Quezon Capital Rural Bank, inc. | |
| Rizal Commercial Banking Corporation | |
| Robinsons Bank Corporation | |
| Rural Bank of Guinobatan, Inc. | |
| Seabank Philippines, Inc. | |
| Security Bank Corporation | |
| STANDARD CHARTERED BANK | |
| Sterling Bank of Asia, Inc. | |
| Sun Savings Bank, Inc. | |
| UCPB Savings Bank | |
| Union Bank of the Philippines | |
| United Coconut Planters Bank | |
| Wealth Development Bank Corporation | |
| Domestic RTA via Micro Savings | Cebuana Lhuillier Rural Bank, Inc. |
| Transaction Type | Service Fee per Transaction | Maximum amount per Transaction |
| Metrobank | ₱100.00 | ₱50,000.00 |
| BPI | ₱90.00 | ₱50,000.00 |
| Cebuana Lhuillier Micro Savings | ₱70.00 | ₱50,000.00 |
Partner Banks
- AllBank (A Thrift Bank), Inc.
- Asia United Bank Corporation
- BDO Network Bank
- BDO Unibank, Inc.
- Bangko Mabuhay (A Rural Bank), Inc.
- Bank of Commerce
- Bank of the Philippine Islands / BPI Family Bank
- CTBC Bank (Philippines) Corporation
- China Bank Savings, Inc.
- China Banking Corporation
- DCPay Philippines Inc.
- Development Bank of the Philippines
- Dungganon Bank (A Microfinance Rural Bank), Inc.
- East West Banking Corporation
- East West Rural Bank, Inc.
- Equicom Savings Bank, Inc.
- G-Xchange, Inc.
- ING Bank N.V.
- Isla Bank (A Thrift Bank), Inc.
- Land Bank of The Philippines
- Malayan Bank Savings and Mortgage
- Maybank Philippines, Inc.
- Metropolitan Bank and Trust Company
- Omnipay, Inc
- PNB Savings Bank
- Partner Rural Bank (Cotabato), Inc.
- PayMaya Philippines, Inc.
- Philippine Bank of Communications
- Philippine Business Bank, Inc., A Savings Bank
- Philippine National Bank
- Philippine Savings Bank
- Philippine Trust Company
- Philippine Veterans Bank
- Quezon Capital Rural Bank, Inc.
- Rizal Commercial Banking Corporation
- Robinsons Bank Corporation
- Rural Bank of Guinobatan, Inc.
- Security Bank Corporation
- Sterling Bank of Asia, Inc.
- Sun Savings Bank, Inc.
- UCPB Savings Bank, Inc.
- Union Bank of the Philippines
- United Coconut Planters Bank
- Wealth Development Bank Corporation
Worldwide Partners
- WESTERN UNION
- MONEYGRAM
- RIA FINANCIAL SERVICES
- WORLDREMIT LTD
- EMQ LIMITED
- TRANSFER TO MOBILE FINANCIAL SERVICES LTD
- COINSTAR/SIGUE
- LBC INTERNATIONAL
- IREMIT INC.
- METROPOLITAN BANK & TRUST COMPANY (METROBANK)
- BDO UNIBANK INC. (BDO, BDO UNIBANK, BANCO DE ORO, BANCO DE ORO UNIBANK, BDO BANCO DE ORO)
- CHINA BANKING CORPORATION (CHINA BANK)
- BANK OF THE PHILIPPINE ISLANDS (BPI)
- ASIA UNITED BANK CORPORATION
- RIZAL COMMERCIAL BANKING CORPORATION (RCBC)
- BANK OF COMMERCE
- PHILIPPINE NATIONAL BANK (PNB)
- CEBUANA LHUILLIER RURAL BANK INC.
- LAND BANK OF THE PHILIPPINES
- DEVELOPMENT BANK OF THE PHILIPPINES
- REMITLY INC.
- PAYPAL PTE LTD/XOOM
- QUIKZ US (PANGEA USA, LLC)
- PINOY EXPRESS FOREIGN EXCHANGE
- OMNEX GROUP (SHARE MONEY AND UNO MONEY TRANSFERS)
- RUSTANS, LLC
- CANLAS CORPORATION DBA CANLAS EXPRESS
- VIAMERICAS CORPORATION
- RJCL CORPORATION DBA RNV FOREX
- ROXE INC.
- KWIK DOLLAR LLC DBA DINEX AND ENVIOS.COM
- FAMILY EXPRESS CANADA., LTD.
- FILERMIT CORP.
- ATIN ITO VARIETY BAKERY AND REMITTANCE LTD
- RELIABLE PESOREMIT (PHILS.), INC.
Europe, Middle East, and Africa Partners
- NEW YORK BAY PHILIPPINES INC.
- AL ANSARI EXCHANGE LLC
- INSTANT CASH FZE
- THE NATIONAL BANK OF RAS AL KHAIMAH (P.S.C) – PUBLIC JOINT STOCK COMPANY
- OPTIMUM EXCHANGE REMIT INC
- UREMIT INTERNATIONAL CORPORATION
- AL FUAD EXCHANGE
- DIRECT REMIT LIMITED
- AL GHURAIR EXCHANGE
- LARI EXCHANGE
- AL FARDAN EXCHANGE
- WORLDWIDE CASH EXPRESS LIMITED
- INDEX EXCHANGE
- AL MUQREN EXCHANGE
- LULU-PHILS INTL EXCHANGE INC
- SEND EXCHANGE EST.
- BFC BANK LIMITED (FORMERLY EZREMIT LTD.)
- BANK ALBILAD
- UNILINK EXPRESS PAYMENT PHILS. INC
- MFO INTEL EXPRESS GEORGIA LTD
- SMALL WORLD FINANCIAL SERVICES GROUP LTD
- MASARI PAYMENT SERVICES LTD
- AFTAB CURRENCY EXCHANGE LIMITED
- CONNECT PLUS BUSINESS LIMITED
- CROSSPAY LTD.
- DAYTONA CAPITAL MANAGEMENT LTD
- WORLDCOM INTERNATIONAL COMMUNICATION LTD. (WIC)
- REWIRE (O.S.G.) RESEARCH AND DEVELOPMENT LTD.
- GMT ADVANCED FINANCIAL SERVICES
- I TRANSFER GLOBAL PAYMENTS EP, S.A.U.
- MONEY & COM SA
- WALL STREET EXCHANGE COMPANY
- SPEED REMIT WORLDWIDE LIMITED
- TEMPO MONEY TRANSFER
- QIWI BANK (JOINT-STOCK COMPANY)
Asia-Pacific Region Partners
- TRANGLO SDN BHD.
- TML REMITTANCE CENTER SDN BHD
- SMJ TERATAI SDN BHD
- MERCHANTRADE ASIA SDN BHD
- PLACID NK CORP
- CIMB ISLAMIC BANK
- MAX MONEY SDN BHD
- FRANKI EXCHANGE CO.
- ZHENXING TECHNOLOGY LIMITED
- WELL CHAIN INT’L CO LTD
- EEC INT’L PHILS CORP
- FASTREMIT SERVICE INC.
- METREX SERVICE CO.
- DIGITEL CO. LTD.
- JAPAN REMIT FINANCE CO. LTD.
- CITY EXPRESS MONEY TRANSFER CO. LTD.
- UNIDOS CO., LTD.
- KABAYAN REMITTANCE PTE LTD
- BKK FOREX PTE. LTD.
- RIGHT CHOICE PAYMENTS PTE LTD (FORMERLY BRUNPHIL EXPRESS S PTE LTD
- DIGITEL CO. LTD.
- JAPAN REMIT FINANCE CO. LTD.
- CITY EXPRESS MONEY TRANSFER CO. LTD.
- UNIDOS CO., LTD.
- KABAYAN REMITTANCE PTE LTD
- BKK FOREX PTE. LTD.
- RIGHT CHOICE PAYMENTS PTE LTD (FORMERLY BRUNPHIL EXPRESS S PTE LTD
- FINSHOT
- KEB HANA BANK
- GLOBAL MONEY EXPRESS
- WING (CAMBODIA) LIMITED SPECIALISED BANK
- PINOY EXPRESS HATID PADALA SERVICES, INC.
- FOREX WORLD PTY LTD
- BM EXPRESS INTL. SERVICES PTY LTD
- OURYES CORPORATION
US and Canada Partners
- REMITLY INC.
- PAYPAL PTE LTD/XOOM
- QUIKZ US (PANGEA USA, LLC)
- PINOY EXPRESS FOREIGN EXCHANGE
- OMNEX GROUP (SHARE MONEY AND UNO MONEY TRANSFERS)
- RUSTANS, LLC
- CANLAS CORPORATION DBA CANLAS EXPRESS
- VIAMERICAS CORPORATION
- RJCL CORPORATION DBA RNV FOREX
- ROXE INC.
- KWIK DOLLAR LLC DBA DINEX AND ENVIOS.COM
- FAMILY EXPRESS CANADA., LTD.
- FILERMIT CORP.
- ATIN ITO VARIETY BAKERY AND REMITTANCE LTD
- RELIABLE PESOREMIT (PHILS.), INC.
How to Send Money
How to Send Money from Abroad to the Philippines
- Visit any of Cebuana Lhuillier’s international partners and fill out the send form.
- Submit the accomplished form along with a valid ID.
- Give the total amount to be paid to the branch personnel.
- Secure the official receipt or any proof of remittance.
- Provide the reference number to the receiver/beneficiary.
NOTE: The receiver/beneficiary should provide the control number and present a valid ID when claiming the remittance.
How to Send Money from the Philippines to Abroad (via Moneygram and Western Union)
- Visit any Cebuana Lhuillier branch and fill out the Pera Padala form.
- Present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
- Give the total amount to be paid.
- Secure the Pera Padala form (and count the change received, if there is any).
- Provide the 10-digit control number to the receiver/beneficiary.
How to Claim Money
How to Claim Money Abroad from the Philippipnes
- Visit any of Cebuana Lhuillier’s international partners and fill out the receive form.
- Present the accomplished form and valid ID to the branch personnel.
- Count the money received.
How to Claim Money in the Philippines from Abroad
- Visit any Cebuana Lhuillier Pawnshop branch and fill out the Pera Padala form.
- Present the accomplished form, valid ID and 24k card (if you are a 24k card holder) to the branch personnel.
- Count the money received.
International Rates and Charges
Moneygram Rates
| Principal From | Principal To | Charge Amount |
|---|---|---|
| P1 | P5,000 | P500 |
| P5,001 | P10,000 | P600 |
| P10,001 | P250,000 | P900 |
| P250,001 | P500,000 | P1200 |
Western Union Rates
| Principal From | Principal To | Charge Amount |
|---|---|---|
| P1 | P5,000 | P500 |
| P5,001 | P10,000 | P600 |
| P10,001 | P250,000 | P900 |
| P250,001 | P500,000 | P1200 |
How to open a Micro Savings account in Cebuana Lhuillier Bank
1. Go to any of Cebuana Lhuillier’s Rural Bank and fill-out the Client Customer Information File Sheet and bring the following:
- 1 Government issued ID (See List of IDs Accepted)
- P50 minimum initial deposit
- P150 card fee (for clients w/o 24k card), P75 for card upgrade
How to deposit
- Fill-out the form indicating the money you will deposit and give it to the bank personnel
- Insert your 24k card in the POS terminal
- Get the completed deposit slip
How to withdraw
- Fill-out the form with the desired amount you wish to withdraw
- Insert your 24k card in the POS terminal and type your PIN number
- Receive the money from the bank personnel
How to check balance
Option 1: You may visit our Cebuana Lhuillier’s Rural Bank and use the POS terminal to check your balance.
Option 2: You may log in to your account on the eCebuana app and tap on ‘Micro Savings’.
How to open a Micro Savings account in Branch
1. Go to any of Cebuana Lhuillier’s more than 3,000 branches nationwide and fill-out the Client Customer Information File Sheet and bring the following:
- 1 Government issued ID (See List of IDs Accepted)
- P50 minimum initial deposit
- P150 card fee (for clients w/o 24k card), P75 for card upgrade
How to deposit
- Fill-out the form indicating the money you will deposit and give it to the branch personnel
- Insert your 24k card in the POS terminal
- Get the completed deposit slip
How to withdraw
- Fill-out the form with the desired amount you wish to withdraw
- Insert your 24k card in the POS terminal and type your PIN number
- Receive the money from the branch personnel
How to check balance
Option 1: You may visit our Cebuana Lhuillier’s 3,000 branches and use the POS terminal to check your balance.
Option 2: You may log in to your account on the eCebuana app and tap on ‘Micro Savings’.
How to open a Micro Savings account using eCebuanaApp
- Download the eCebuana App on Google Play and App Store
- Click “Register Now”
- Provide your personal details
- Provide Valid ID
- Answer the customer Risk Profiling
- Wait for the email to verify your account
How to deposit
- Fill-out the form indicating the money you will deposit and give it to the branch personnel
- Insert your 24k card in the POS terminal
- Get the completed deposit slip
How to withdraw
- Fill-out the form with the desired amount you wish to withdraw
- Insert your 24k card in the POS terminal and type your PIN number
- Receive the money from the branch personnel
How to check balance
How to do Pawn, Pawn Renewal and Pawn Redemption using Cebuana From Home SMS
- Send SMS to the branch you want to do your transaction. Access branch contact details go to the ‘Branch and Agents locator’ section of this website.
- Provide the required details by our friendly branch personnel.
- Our branch personnel will guide you throughout the process.
How to Pawn using Cebuana From Home FB Messenger
- Search for Cebuana Lhuillier with blue checkmark on FB Messenger and type “Cebuana from Home”
- Choose New Pawn and type your personal, jewelry details then finish the transaction.
- You will receive a call or text from a Cebuana from Home agent to confirm details, and schedule the nearest Cebuana from Home rider to your house.
- Cebuana from Home rider will go to your house to appraise the item. Cnce agreed on the loan amount, the client will receive the cash and pawn ticket
Pawn Renewal
- Visit www.cebuanafromhome.com and click ‘Mag Renew’’.
- Enter the pawn ticket details
- Provide your personal details.
- Choose the payment method that you prefer.
- Wait for the call of the Cebuana Lhuillier transaction agent to confirm the details of the transaction.
Pawn Redemption
- Visit www.cebuanafromhome.com and click ‘Mag Redeem’.
- Enter the pawn ticket details
- Provide your personal details and address for item delivery.
- Choose the payment method that you prefer.
- Wait for the call of the Cebuana Lhuillier transaction agent to confirm the details of the transaction.
Booking of transactions is only available from 9AM – 4AM. Transactions booked beyond this time frame will be processed on the following working day. Redemption process can only be done from Monday – Saturday.
How to Pawn using Cebuana From Home Web
- Visit www.cebuanafromhome.com and click ‘Mag-sangla’
- Enter the information of the jewelry you will pawn.
- Provide your personal details and address.
- Choose the payment method that you prefer.
- Wait for the call of the Cebuana Lhuillier transaction agent to confirm the details of the transaction.
Booking of transactions is only available from 9AM – 4AM. Transactions booked beyond this time frame will be processed on the following working day.
Pawn Renewal
- Visit www.cebuanafromhome.com and click ‘Mag Renew’’.
- Enter the pawn ticket details
- Provide your personal details.
- Choose the payment method that you prefer.
- Wait for the call of the Cebuana Lhuillier transaction agent to confirm the details of the transaction.
Pawn Redemption
- Visit www.cebuanafromhome.com and click ‘Mag Redeem’.
- Enter the pawn ticket details
- Provide your personal details and address for item delivery.
- Choose the payment method that you prefer.
- Wait for the call of the Cebuana Lhuillier transaction agent to confirm the details of the transaction.
Booking of transactions is only available from 9AM – 4AM. Transactions booked beyond this time frame will be processed on the following working day. Redemption process can only be done from Monday – Saturday.
How to Pawn using Cebuana Xpress Mobile App
- Select Pawning
- Click ‘mag-sangla’
- Take a photo of the item
- Input the required details
- Pin the pick-up address
- Click ‘Submit’ and wait for a call from Cebuana Lhuillier appraisal agent
- Our appraisal rider will pick-up the sangla item
Pawn Renewal
- Select Pawning
- Click the specific pawn ticket for renewal
- Click the renew button
- Check the total amount due then click ‘Confirm Transaction’
Pawn Redemption
- Select Pawning
- Click the specific pawn ticket for redemption
- Click the redeem button
- Pin your delivery address
- Check the total amount due then click ‘Confirm Transaction’
- After the confirmation of your payment, BP will contact you for the delivery of your item.
- Present the original pawn ticket that will be surrendered in the home branch.
- Open the sealed plastic pouch to check the item.
How to Pawn in Cebuana Lhuillier Branch
- Visit any Cebuana Lhuillier Pawnshop branch and present the item to be pawned.
- Items Accepted
- Gold
- Diamond
- Platinum jewelry and watches
- Cellphones
- Laptop computers
- Items Accepted
- Advise the branch personnel if you agree with the appraised value and net proceeds.
- Sign the pawn ticket on the space provided.
- Count the money received and secure the pawn ticket, which is required to be presented during renewal or redemption of the pawned item.
Pawn Renewal
With Cebuana Lhuillier’s Renew Anywhere option, there is no need to go back to the branch where the item was pawned to renew the loan. Simply visit any Cebuana Lhuillier branch and follow the steps below:
- At the back of the pawn ticket, sign on the space along the ‘Received by’
- Present the pawn ticket and the payment for the amount due.
- Sign on the space provided on the electronic validation at the back of the pawn ticket.
- Sign new pawn ticket on the space provided.
- Secure the new pawn ticket, which is required to be presented during renewal or redemption of the pawned item.
Pawn Redemption
- Visit the Cebuana Lhuillier Pawnshop branch where the item is pawned.
- At the back of the pawn ticket, sign on the space along the ‘Received by’ note and below the ‘Received the article(s) in the same condition when pawned and redeemed’.
- Present the pawn ticket and the payment for the amount due.
- Sign on the space provided on the electronic validation at the back of the pawn ticket.
- Open the sealed plastic pouch to check the item.
2021 Category Placeholder
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Cebuana Lhuillier K na K sa 24th November Raffle Promo
Mechanics:
1. The promotion period is from November 1 to 15, 2021
2.Open to all registered members of the Cebuana Lhuillier 24k Rewards Program except employees and families of P.J. Lhuillier Inc., its affiliates or subsidiary companies, as well as its representatives or agents and advertising agencies, including their relatives up to the seconddegree of affinity or consanguinity or anyone else professionally connected with the Promotion are disqualified to join.
3.There will be 240winners for this raffle, of the following prizes:
a) 24 Winners of Cebuana Lhuillier Jewelry Voucher worth Php 2,400
b)24 Winners of Quick FX Gift Pack worth Php 1,000
c)24 Winners of Cebuana Lhuillier Micro Saving Account Credit worth Php500
d)24 Winners of Cebuana Lhuillier ProtectMAX worth Php50
e)24 Winners of Cebuana Lhuillier Collectibles worth Php300
f)24 Winners of 240 Cebuana Lhuillier 24k points worth Php 240
g)24 Winners of 24 Cebuana Lhuillier 24k points worth Php 24
h)24 Winners of Alta Business Assoc Pack worth Php 1,650
i)24 Winners of WeTV 1 year subscription worth Php 1,490
j)24 Winners of Avita Essential 14” Laptop worth Php 16,000
4.To qualify for the raffle for the 216 prizes (a-i), participants must:
a)Be a member of the CebuanaLhuillier 24k Rewards Programbefore the draw.
b)Like the Cebuana Lhuillier 24k Reward Program Facebook page
c)To qualify for the 24 laptop prizes (j.), the participants who can win must:
i. Like the Cebuana Lhuillier 24k Reward Program Facebook page
ii. Be a VERIFIED member of the Cebuana Lhuillier 24k Rewards Program before the draw. *A VERIFIED membership account means complete documents were submitted to Cebuana Lhuillier and the online account is activated
5.Winners can only win once during the entire promo duration.
6.Winners are drawn electronically based on the following details:
a)24k Reward Client Number
b)24k Reward Card Number
c)Full Name
d)Email Address
e)Mobile Number
f)Present address registered with Cebuana Lhuillier24k Reward Program
7.Winners will be notified through direct messaging on Facebook, SMS, email and/or registered mail based on their information in the records of the Cebuana Lhuillier 24k Rewards Program. Winners will also be announced through the official Facebook page of the Cebuana Lhuillier 24k Rewards Program.
8.There will beone draw date on November 17, 2021:
| Cut-Off Dates | Draw Date | Prizes | No. of Winners | Announcement |
| Nov 1to 15 | Nov 17 | Cebuana Lhuillier Jewelry Voucher (P2,400)
Quick FX Gift Pack (P1,000) Cebuana Lhuillier Micro Saving Account Credit (P500) Cebuana Lhuillier ProtectMAX (ADB 25K Coverage) (P50) Cebuana Lhuillier Collectibles (P300) 240 Cebuana Lhuillier 24k points (P240) 24 Cebuana Lhuillier 24k points (P24) Alta Business Assoc Pack (Php 1,650) WeTV 1 year subscription (Php 1,490) Laptop Avita Essential 14” laptop (Php 16,000) |
24
24 24 24 24 24 24 24 24 24 |
November 24, 2021 |
9.The raffle draw will be held at PJL Corporate Centre, 1782 Nicanor Garcia corner Candelaria Streets, Makati City via video conference, witnessed and attended by representatives from the Department of Trade and Industry (DTI) and P.J. Lhuillier Inc.
10.Deadline for submission of entries is on November 15, 2021, 11:59pm.
11.PJ. Lhuillier Inc. reserves the right, in concurrence with DTI, to reject a participant if he/she is unable to satisfy the conditions set out in this promo mechanics.
12.Prizes are non-transferable and cannot be exchanged for nor redeemed as cash or other items.
13.Winners must present copy of their 24k card for claiming of the prize. The 240 points, 100 points and 24 points prize will be credited to the account of winners within 2 days upon full verification of the qualified winners. For those who will win gift packs, Cebuana Lhuillier to send the prize to the registered address of the winner.
14.By entering the Promotion, all participants will be deemed to have accepted and be bound by these terms and conditions, which shall be interpreted by P.J. Lhuillier Inc., in their sole discretion with the concurrence of the DTI. Decisions made by P.J. Lhuillier Inc., in all matters to do with the Promotion are final and no correspondence will be entered into with the concurrence of the DTI.
15.PJ. Lhuillier Inc.shall not be responsible for claims of any nature whatsoever for any loss, damage, illness, bodily injury including death of any customer arising out of participation in the Promotion or the use of the prizes.
16.Acceptance of the prize will be deemed as consent by the winner to use his/her name in all related publicity connected with this Promotion without additional charge or permission.
Per DTI Fair Trade Permit No. FTEB-130932 Series of 2021
CASHBALIK PAYNALO RAFFLE PROMO
PROMO MECHANICS
- This promo is open to all Cebuana Lhuillier Clients with a 24K UnionPay Debit Card and a Micro Savings Account from November 15 – February 14, 2022 only.
- All clients with debit card transactions in UnionPay accredited stores are eligible to join this promo.
- A client is eligible for a one time rebate of P300.00 for a minimum purchase amount of P3,500 within a promo month. P3,500 spent within the promo period will not qualify for the rebate.
- A client will also get one (1) Raffle Entry for every purchase amounting to P3,500 for a chance to win cash prizes in the raffle draw.
- Get a chance to win the following cash prizes :
| No. of Winners | Prize | Total |
| 3 | 50,000.00 | 150,000.00 |
| 30 | 10,000.00 | 300,000.00 |
| 50 | 5,000.00 | 250,000.00 |
- The raffle draw will be held at P.J. Lhuillier Inc. ICT Office 3/F , The Networld Hub 156 Jupiter cor. Comet St. Bel Air Makati City, 1209 with a DTI Representative.
| Coverage Date | Nov. 15, 2022 – Feb 14, 2022 |
| Draw Date | March 1, 2022 |
- e-Raffle winners will be notified through SMS Blast and snail mail, and will be announced through official facebook page of Cebuana Lhuillier.
- Prizes can be claimed within 60 days from the announcement of winners.
- The Cash Prize will be deposited to the client’s Micro Savings account.
- J. Lhuillier Group of Companies will pay the 20% tax for prizes above P10,000.00
- Employees of P.J. Lhuillier Group of Companies, agencies and services and their relatives up to the second degree of consanguinity or affinity are not qualified to join the raffle.
World Savings Day Promo 2021
Promo Mechanics
- Ang promo na ito ay available ng isang araw sa World Savings Day, October 31, 2021.
- Lahat ng walang Cebuana Lhuillier Micro Savings account ay maaaring sumali.
- Makakatangap ng e-raffle entry kapag nagbukas ng Micro Savings Account mula sa lahat ng Cebuana Lhuillier Branches Nationwide
| Details | No. of entry/entries |
| 24K Debit Card Account Opening | 1 |
- Ang Draw ay magaganap sa Nov. 6, 2021, 5:00pm at mapapanalunan ang mga sumusunod
| No. of Winners | Prize |
| 24 (3 per region) | P10,000.00 |
- Ang Draw ay gaganapin via Zoom / Google Meeting saksi ang isang DTI Representative
- Ipagbibigay alam sa mga nanalo ang kanilang prizes sa pamamagitan ng FB, SMS at registered mail. Ang kanilang prize ay idedeposit sa kanilang Micro Savings Accounts.
- Ang prizes ay maari lamang i-claim sa loob ng 60 na araw mula sa araw na makuha ang registered mail.
- Ang mga empleyado ng P.J. Lhuillier Group of Companies, agencies, services, at kanilang mga kamag-anak hanggang second degree ng consanguinity o affinity ay hindi maaring sumali sa e-raffle.
Cebuana Lhuillier: Making Money Remittance More Convenient
Table of Contents
Why You Should Remit Money Through Cebuana Lhuillier
Money Remittance Services at Cebuana Lhuillier
Ways To Remit Money at Cebuana Lhuillier
Introduction
Money remittance services are often used by Overseas Filipino Workers (OFWs) to send money back home to their loved ones. These funds can then be used for daily expenses, emergency purchases, or quality of life improvements. In developing countries, such as the Philippines, these remittances may serve as a primary source of income.
People in the Philippines can also use money remittance services to send funds to their relatives abroad. This is a secure way of paying for overseas tuition fees, investments, or travel expenses.
If you are looking for a reliable money remittance service provider, turn to none other than Cebuana Lhuillier. Having been in business for several decades, you can trust that we have the knowledge and experience to provide you with nothing but the best service.
Money Remittance Services at Cebuana Lhuillier
Domestic Remittance
Through our domestic remittance services, you can send money to your loved ones, no matter where they are in the Philippines. We have branches and partner outlets throughout the country to help you with your financial needs.
International Remittance
Our international remittance services are perfect for those who want to send money from abroad. We have several international partners in Europe, Middle East, Africa, the USA and Canada, and the Asia-Pacific
Why You Should Remit Money Through Cebuana Lhuillier
Cebuana Lhuillier is one of the top remittance service providers in the Philippines. This means that we are able to provide you with benefits that you can’t get anywhere else! You can take advantage of the following:
Convenient Services
Our team has always been dedicated to finding new ways to make our money remittance services accessible to a wider client base. That is why we offer our services through several physical and digital platforms.
One example of our helpful remittance solutions is our Remit to Account service. This domestic remittance service allows you to send money directly to the recipient’s bank account without needing your own.
We also have an Online Appointment System that allows you to set a transaction appointment through our website at 24k.cebuanalhuillier.com. You won’t have to waste your time waiting in line and filling out forms. All you have to do is bring your Appointment Code on the scheduled date, and then your transaction can be processed quickly by the branch personnel.
Exclusive Perks
If you are a member of our 24k Loyalty Program, you can earn reward points for every money remittance transaction. You can then use these points to pay for the fees of your succeeding remittance transactions. Aside from this, you will have access to exclusive discounts and promos, as well as an online portal where you can manage your transactions.
Accessible Locations
Cebuana Lhuillier has more than 2,500 branches nationwide, some of which are standalone PeraPadala branches dedicated to providing our money remittance services. We have also partnered with trusted banks and financial institutions for those who want to take advantage of our Remit to Account service. In summary, we have 2,500+ branches and 25,000 partner outlets and 1.7M physical outlets and global virtual touchpoints.
Customer-Centric Staff
No matter how much money you want to remit, you can rely on our team to process your transaction as quickly and safely as possible. Our branch personnel will also provide you with the assistance you need to fill out the required forms.
Ways To Remit Money at Cebuana Lhuillier
Since we offer money remittance services through our physical locations and online platforms, you can be sure that we have a solution that works for you.
Cebuana Lhuillier Branches
If you are sending money domestically through one of our branches, visit the nearest location and fill out the PeraPadala form. You must also bring at least one valid ID so our branch personnel can verify your identity. Once you have paid the full amount and necessary fees, you will be given a control number, which the recipient will use to claim the cash. Our partners follow the same process for international remittance services.
Those claiming money must visit a Cebuana Lhuillier branch or international partner and provide the accomplished form, valid ID, and reference number.
eCebuana App
As part of our commitment to make our microfinance services more accessible to our clients, we created the eCebuana app. You can download the application on your mobile devices to access our online financial solutions, such as bills payment and money remittance services.
Through the app, you can transfer money from your Cebuana Micro Savings account to another. Recipients can then claim the cash at their nearest branch, which grants them a 20% reduction in fees. The app also allows you to send funds to other banks through Instapay. While International Remittance is not yet available online, with the recent partnership with Western Union, Cebuana Lhuillier clients may now receive international remittance via eCebuana app.
Step 1: Log in and input your 5-digit PIN code
Step 2: Go to Services Tab and select ‘Receive Money’
Step 3: Click the ‘Western Union’ logo
Step 4: Complete the details and add the 10 digits reference number from Western Union
Step 5: Read and agree on the terms and conditions and click confirm to proceed. You will receive a One-Time PIN via your mobile number.
Step 6: Transaction confirmation will be displayed in the app and will be sent via email. The amount received will be reflected on the users’ transaction list in their account balance. Wait for at least 5 minutes.
Cebuana From Home
If you want a quick and safe way to send cash domestically, Cebuana From Home is an excellent option for you. This service is especially convenient for those who are staying home amid the COVID-19 pandemic.
All you have to do is fill out the remittance form on the CebuanaFrom Home website and pay the required fees. Once your transaction is processed, you will receive a call or email from one of our agents to confirm your request. One of our payout delivery riders will then travel to your recipient’s location and directly deliver the cash.
If you prefer, you can also have the recipient pick up the money at one of our branches.
Conclusion
Whether you are sending money to relatives in your province or receiving cash from a loved one abroad, you should make sure that you work with a reliable remittance service provider, like Cebuana Lhuillier. We offer exceptional solutions to help you achieve your financial goals.
To learn more about our money remittance services, reach out to us today. We will be more than happy to address any of your questions or concerns. Our team looks forward to hearing from you!