We can help you retrieve your funds even it’s already been credited to your beneficiary’s bank account. The beneficiary or the account holder must provide an ‘Authority to Debit’ letter authorising Kabayan Remit to recall the funds. Once we receive the letter, we will submit a request to the beneficiary’s bank in the Philippines. The refund usually takes about 3 to 5 banking days to complete, but it also depends on how quickly the recipient’s bank responds.