M Lhuillier Kwarta Padala Rates 2026
The full M Lhuillier Kwarta Padala (pera padala) send-fee schedule for 2026 — ₱1 to ₱50,000. Enter what you're sending to see the exact fee, what percentage you're paying, and how much you're overpaying versus the cheaper ways to send it.
M Lhuillier charges you
₱130
that's 2.6% of your ₱5,000
👉 You're OVERPAYING ₱130 to send cash. Sending to a GCash wallet costs ₱0.
Same ₱5,000, other ways to send it
- M Lhuillier Kwarta Padala (cash)₱130
- Cebuana Pera Padala (cash, Metro Manila)₱145
- GCash (to a GCash wallet)₱0
Fees vary slightly by branch/region; Cebuana shown for Metro Manila. GCash is free wallet-to-wallet (bank cash-in/out or over-the-counter pickup may differ). Confirm at the counter before sending.
Charged a worse rate than the posted board?
Under RA 11765 and BSP rules, a remittance operator must disclose the full cost before you pay, and the rate charged must match the rate posted. Being charged more is a disclosure violation — and you can claw it back. Keep your receipt; we'll build the BSP complaint for you.
Full 2026 fee table
| Amount sent | Fee | % of amount |
|---|---|---|
| ₱1 – ₱100 | ₱3 | 3.0% |
| ₱101 – ₱200 | ₱6 | 3.0% |
| ₱201 – ₱300 | ₱9 | 3.0% |
| ₱301 – ₱400 | ₱12 | 3.0% |
| ₱401 – ₱500 | ₱15 | 3.0% |
| ₱501 – ₱600 | ₱18 | 3.0% |
| ₱601 – ₱700 | ₱21 | 3.0% |
| ₱701 – ₱800 | ₱24 | 3.0% |
| ₱801 – ₱900 | ₱27 | 3.0% |
| ₱901 – ₱1,000 | ₱30 | 3.0% |
| ₱1,001 – ₱1,500 | ₱45 | 3.0% |
| ₱1,501 – ₱2,000 | ₱60 | 3.0% |
| ₱2,001 – ₱2,500 | ₱75 | 3.0% |
| ₱2,501 – ₱3,000 | ₱90 | 3.0% |
| ₱3,001 – ₱3,500 | ₱95 | 2.7% |
| ₱3,501 – ₱4,000 | ₱115 | 2.9% |
| ₱4,001 – ₱4,500 | ₱125 | 2.8% |
| ₱4,501 – ₱5,000 | ₱130 | 2.6% |
| ₱5,001 – ₱6,000 | ₱148 | 2.5% |
| ₱6,001 – ₱7,000 | ₱158 | 2.3% |
| ₱7,001 – ₱8,000 | ₱168 | 2.1% |
| ₱8,001 – ₱9,500 | ₱188 | 2.0% |
| ₱9,501 – ₱10,000 | ₱198 | 2.0% |
| ₱10,001 – ₱14,000 | ₱210 | 1.5% |
| ₱14,001 – ₱15,000 | ₱220 | 1.5% |
| ₱15,001 – ₱20,000 | ₱260 | 1.3% |
| ₱20,001 – ₱30,000 | ₱290 | 1.0% |
| ₱30,001 – ₱40,000 | ₱320 | 0.8% |
| ₱40,001 – ₱50,000 | ₱350 | 0.7% |
Compiled from M Lhuillier's published 2026 Kwarta Padala schedule and cross-checked against the operator's stated parameters (fees from ₱3, range ₱1–₱50,000). The “% of amount” column is the fee at the top of each bracket — smaller sends inside a bracket pay a higher effective rate. Always confirm the current fee at the branch counter.
Frequently asked questions
How much does it cost to send ₱5,000 via M Lhuillier Kwarta Padala?
As of the 2026 schedule, sending ₱4,501–₱5,000 costs ₱130 — about 2.6% of the amount. Sending the same ₱5,000 to a GCash wallet is free. Use the calculator above for any amount.
Is Cebuana or M Lhuillier cheaper for padala?
Neither is consistently cheaper — both cash networks charge similar bracket fees (e.g. ~₱130–₱145 for ₱5,000 in Metro Manila), and Cebuana's fee varies by region. The cheapest option for most domestic transfers is a GCash wallet-to-wallet send, which is free.
What is the maximum amount I can send via M Lhuillier Kwarta Padala?
₱50,000 per transaction, with fees starting at ₱3 for amounts up to ₱100. See the full bracket table below.
I was charged a different rate than the posted board. What can I do?
Under RA 11765 (Financial Products and Services Consumer Protection Act) and BSP rules, a remittance operator must disclose the total cost before completing the transaction, and the rate applied must match the rate disclosed. If you were charged more than posted, keep your receipt and file a complaint with the BSP Consumer Assistance Mechanism — you can generate the letter on LabanPH.