Kabayan Remit

Name

Kabayan Remit

Legal name

Kabayan Capital Ltd

Website

https://kabayanremit.co.uk

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Cross-border remittance

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Consumer Remittances (P2P) (FSAMAIAA)

akta.pro secondary industry

Cross-Border Collections & Local Receiving (Pay-ins) (FSAMAIAI)

Keywords

• Cross-border remittance
• Money transfer services
• Filipino remittances
• Digital payment platform
• Overseas worker transfers

Headquarters

HQ city

Bicester

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Transaction Fees: Kabayan Remit charges transaction fees for money transfers. First transaction is free for new customers. Subsequent fees vary by country: UK from £2.99, US from US$2.99, Canada from C$3.99. Fees are determined by payment method and delivery method selected.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Kabayan Remit is an online money transfer service that lets Filipinos in the UK, US, and Canada send funds to the Philippines via a web platform and mobile apps. It supports multiple payment methods (debit card, online bank transfer, Pay by Bank App, Apple Pay, Google Pay, e-Transfer) and multiple delivery options including credit to Philippine bank accounts, cash collection at 11,000+ outlets, mobile e-wallet top-ups (GCash, Maya, GrabPay, ShopeePay, LazPay), and bills payment to 100+ merchants. Transactions are typically delivered within an hour, with the first transfer free and subsequent transactions charged from £2.99 / US$2.99 / C$3.99.

Product overview

Kabayan Remit is a unified online money transfer platform designed for Filipino remitters sending funds to the Philippines. The core product consists of a mobile app (iOS and Android) and web platform that enable users to send money through multiple delivery methods: credit to bank account (supporting major Philippine banks), cash collection (over 11,000 pick-up locations), mobile e-wallet top-up (GCash, Maya, GrabPay, ShopeePay, LazPay), and bills payment (over 100 merchants). The platform supports various payment methods including debit cards (UK/US), Pay by Bank App, Apple Pay, Google Pay (UK), online bank transfer (UK), and e-Transfer (Canada). An integrated rewards program allows users to earn points and discounts with every transaction.

Differentiator

Problem solved

Functional benefit

Products and services

• Kabayan Remit Mobile App Mobile application (iOS and Android) that enables Filipino remitters in the UK, US, and Canada to send money to the Philippines, check real-time exchange rates, track payment status, and earn rewards and referral wallet credits.
• Kabayan Remit Web Platform Web-based remittance platform at kabayanremit.com that allows users to register, verify their account, manage beneficiaries, and send money to the Philippines 24/7 with the same core functionality as the mobile app.
• Credit to Bank Account (Philippines) Remittance delivery method that credits funds directly to the beneficiary's bank account at major Philippine banks (Metrobank, BPI, BDO, PNB, RCBC, Landbank), typically within one hour of payment confirmation.
• Cash Collection in the Philippines Remittance delivery method that allows the beneficiary to pick up cash at over 11,000 outlets in the Philippines including LBC, Cebuana Lhuillier, MLhuillier, Palawan Pawnshop, PSBank, Metrobank, Robinsons Department Store, Pera Hub, RD Pawnshop, and Villarica, with cash typically ready within one hour and a Php 100,000 limit.
• Mobile E-wallet Top-up Remittance delivery method that tops up the beneficiary's GCash, Maya, GrabPay, ShopeePay, or LazPay e-wallet using the mobile number registered to the e-wallet account, with most transfers delivered instantly once payment is confirmed.
• Bills Payment in the Philippines Service that lets users pay Philippine bills and contributions online through Kabayan Remit to over 100 merchant partners, from Philippine contributions to monthly utility and other recurring bills.

Quantifiable outcome

• 97% of reviewers recommend Kabayan Remit from over 22,517 reviews
• +4 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration23 records

Feature4 records

Partnerships

Twelve partnerships are on record, tiered core.

• Metrobank (Banko Sentral ng Pilipinas)coreChannel Partner/ Reseller/ DistributorMajor Philippine bank partnership enabling credit to account transfers and cash collection services for Kabayan Remit customers sending money to the Philippines.
• RCBC (Rizal Commercial Banking Corporation)coreChannel Partner/ Reseller/ DistributorPartnership with RCBC for direct bank account credit transfers and cash collection services.
• BPI (Bank of the Philippine Islands)coreChannel Partner/ Reseller/ DistributorPartnership with BPI for enabling direct transfers to BPI bank accounts and cash collection services.
• BDO (BDO Unibank)coreChannel Partner/ Reseller/ DistributorPartnership with BDO for direct bank account transfers and cash collection services.
• PNB (Philippine National Bank)coreChannel Partner/ Reseller/ DistributorPartnership with PNB for enabling direct transfers to Philippine National Bank accounts and cash collection.
• LandbankcoreChannel Partner/ Reseller/ DistributorPartnership with Landbank of the Philippines for direct bank transfers and cash collection services.
• LBC ExpresscoreChannel Partner/ Reseller/ DistributorCash collection partner with over 11,000 outlets in Philippines. LBC provides cash pick-up services for Kabayan Remit beneficiaries.
• Cebuana LhuilliercoreChannel Partner/ Reseller/ DistributorCash collection partner providing convenient cash pick-up locations across the Philippines through Cebuana Lhuillier's extensive branch network.
• MLhuilliercoreChannel Partner/ Reseller/ DistributorCash collection partner enabling beneficiaries to pick up cash from MLhuillier branches across the Philippines.
• Palawan PawnshopcoreChannel Partner/ Reseller/ DistributorCash collection partner providing extensive pawnshop network coverage for cash pick-up services in the Philippines.
• GCashcoreTechnology or IntegrationMobile e-wallet integration allowing beneficiaries to receive funds directly to their GCash account instantly.
• MayacoreTechnology or IntegrationMobile e-wallet integration (formerly PayMaya) enabling instant fund top-up to Maya accounts in the Philippines.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• MoneyGram: Large-scale cross-border P2P payments company with strong Philippines cash-pickup and bank deposit coverage; broader portfolio of services than Kabayan but competes head-on in the same UK/US-to-PH corridor.
• Western Union: Global incumbent in money transfer with one of the largest cash-pickup networks in the Philippines through Palawan, MLhuillier and bank partners, serving Kabayan's same customer base but as part of a much broader remittance and retail services portfolio.

Direct peers

• Remitly: US-headquartered digital remittance specialist whose Philippines corridor is one of its largest, offering bank deposits, cash pickup and mobile wallet payouts with a mobile-first product aimed at overseas workers - the same customer and use case as Kabayan Remit.
• Wise (formerly TransferWise): Multi-currency and cross-border payments company offering low-fee transfers from UK, US and Canada to the Philippines with bank deposits, competing directly with Kabayan Remit on price transparency and digital UX.
• IRemit: Filipino-focused remittance company operating from the US and other diaspora markets into the Philippines, with bank deposit, cash pickup and e-wallet delivery - a niche peer with the same corridor and diaspora targeting as Kabayan Remit.
• Sendwave: Cross-border remittance app owned by Zepz focused on African and Asian corridors including the Philippines, offering mobile wallet and cash pickup deliveries similar to Kabayan Remit.
• PaySend: UK-based cross-border payments platform with Philippines as a key corridor, offering card-to-card and bank payout models that overlap Kabayan's UK origination and PH delivery rails.
• Taptap Send: Mobile-first remittance app focused on emerging-market corridors including the Philippines, with zero-fee first transfers and wallet/airtime delivery - a direct competitor for price-sensitive Filipino diaspora senders.
• WorldRemit (Zepz): Global digital remittance platform (part of Zepz) offering send-to-Philippines services with bank deposit, cash pickup and e-wallet options from UK, US and Canada, directly overlapping Kabayan's corridors and delivery methods.

Others

• GCash (Mynt / Globe Fintech Innovations): Philippine super-app e-wallet that is both a payout partner for Kabayan Remit and a growing originator of inbound remittance via GCash Overseas, making it an adjacent ecosystem participant that could expand into direct competition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/kabayanremit

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kabayan Remit