Pangkabuhayan contest

Let’s build a dream business for someone you love

Win one of 10 Pangkabuhayan packages worth PHP 200,000
for your family this Christmas


Here’s a great Christmas gift idea. Give someone you love the support they need to open up a business for the new year.Send money to the Philippines between 1st of November and 31st December 2020 and you could win a Pangkabuhayan package to help them set up shop.

The package is worth PHP 200,000 of Grainsmart franchise business and includes a sari-sari with:

  • a bigasan - with 60 packs of rice to start!
  • a tablet - all set up for their Bill Payment account
  • an online training session - to fully guide your loved ones on their success

Send money to the Philippines and fill in the form below for your chance to win. Remember, there are ten Pangkabuhayan packages to be won!

Good luck!

How to enter: 

  1. Send money to the Philippines with us  

    Send money now

  2. Register and enter your details below


Terms and conditions apply.*


Terms and Conditions

  1. Pangkabuhayan Package Promo Competition (the “Competition”) is run by WorldRemit Ltd. (company no. 07110878) whose registered office is at 62 Buckingham Gate, London SW1E 6AJ, United Kingdom (“WorldRemit”, “we” or “us”).
  2. The terms “you” and “your” refer to you, the person who has entered this Competition
  3. When entering the Competition or claiming a Prize you must use your real name. You may be requested to provide us with proof of your identity, address and eligibility on request. Failure to provide adequate information or to adequately prove your eligibility may result in your disqualification and / or withholding or withdrawal of a Prize.
  4. By entering the Competition, you agree that you have read and accepted these Competition terms and conditions and the terms and conditions for the use of the WorldRemit transfer service which can be found here (the “WorldRemit T&C").
  5. We reserve the right to verify any entries and winners. We may refuse to award the Prizes (as defined below) where we have reasonable grounds to believe there has been a breach of these Competition terms and conditions and / or a breach of the WorldRemit T&Cs.
  6. Entrants (as defined below) agree that they will comply with all applicable laws when entering the Competition, including but not limited to anti-corruption, anti-bribery and anti-slavery laws.


  7. The Competition will open on 1st of November 2020 12am (the “Start Date”) and end on January 2, 2021 12am.
  8. All references to dates and times will be deemed to be references to dates and times within the UK.


  9. The Competition is open to individuals globally who are aged 18 years or older. You are not eligible to enter the Competition if you, or a member of your immediate family members (which means parents, children, siblings, spouse and life partner) or households (whether related or not) are an employee, contractor or sub-contractor of WorldRemit Or any of its affiliates or subsidiaries or is otherwise connected with the organisation (an “Entrant”).
  10. An Entrant must have a valid WorldRemit account and must not be in breach of the WorldRemit T&Cs.
  11. The Competition is open to both existing and new customers of WorldRemit.


  12. To enter the Competition an Entrant must send money, using their valid WorldRemit account, to a recipient they know who lives in the Philippines, between 1st of November 2020 and 31st of December 2020, and enter their name, email, phone number and country at /pangkabuhayan
  13. There is no additional entry fee to enter the Competition.
  14. WorldRemit reserves the right to reject an entry, where an Entrant is in breach of these Competition terms and conditions and / or where any Transaction is made and / or entry received by us between 1st of November 2020 and 31st of December 2020.
  15. Unfortunately we cannot accept responsibility for any entries not received by us for any reason and we cannot guarantee entry for mis-spelt, corrupt or ineligible entries, or entries where any of the information provided is incorrect.
  16. Entrants are allowed to enter as many times as they wish.
  17. Even where multiple entries are permitted, we will not tolerate any attempts to excessively manipulate the outcome in any of our competitions. No bulk, automated, machine assisted, third party, syndicate, or other group entries will be accepted. We will disqualify any entries which in our reasonable opinion appear to have used any of these methods.


  18. There is a maximum of 10 Pangkabuhayan packages worth PHP200,000 to give away to the chosen recipient of the selected winners. Each winner will be entitled to select one Prize Recipient (as defined below) who will receive one Duchess package consisting of the below and fulfilled by Grainsmart (the franchise supplier).
  19. Each winner must provide the name and postal address of a resident in the Philippines who is: (i) over the age of 18; (ii) known to the winner; (iii) willing to and able to enter into a franchise arrangement and agreement with Grainsmart; and (iv) has or will have the relevant legal and legitimate business premises to be able to become a Grainsmart franchisee (the “Prize Recipient”).
  20. Each winner must procure that their Prize Recipient has given all necessary permissions and consents for the Prize Recipient’s name and postal address to be shared with WorldRemit, including our group companies, Grainsmart and third parties WorldRemit will use to fulfil the Prize deliver.
  21. Each winner must procure that their Prize Recipient, or where the Prize Recipient has given permission for the Prize Recipient to: (a) send a digital photo of themselves to WorldRemit; and (b) gives WorldRemit the right to edit, publish and use their photographs and their name in any and all media (including print and online) for promotion and news purposes both during and after the Prize Draw, without any payment being made by WorldRemit to the Prize Recipient.
  22. Provided the Prize Recipient is able to fulfil the terms and conditions provided by Grainsmart and is willing to enter into a 5 year franchise agreement, they will receive a Grainsmart Duchess Package worth PHP200,000 (the “Prizes”), that includes the following:
    • 1 Digital Weighing Scale
    • 1 Single Face Signage
    • Marketing Collaterals
    • Business Paraphernalia
    • Product Training
    • 60 sacks (25kg pack) Initial Rice Stock
    • FREE PayRetail Payment Center (thru mobile phone)
    • Contract Period extended to 5 years (from 3 years)
    • Monthly Dues Waived
    • Royalty Fees Waived
  23. The prize will be fulfilled by Grainsmart in the Philippines together with a WorldRemit representative
  24. The Prizes are as stated and no other alternative prizes or vouchers will be offered. However, the Prizes are subject to availability and we reserve the right to substitute the Prizes with another of equivalent value without giving you notice. The Prizes are not transferable, non-refundable and no cash equivalent will be given.
  25. The Prizes may be considered a taxable benefit and the winner will be directly responsible for any taxes payable.
  26. Third party terms and conditions apply to the Prizes and the Prize Recipient must comply with these third party terms and conditions, otherwise the Prizes will be invalidated. This may include additional costs for delivery if a winner is located outside of a serviceable area of Grainsmart and / or expenses related to any store renovations that may be needed.


  27. There will be 10 winners in total.
  28. Winners will be selected at random by WorldRemit. 5 winners will be selected on the 1st of Dec 2020 and another 5 winners on the 1st of January 2021 via a computer generated process using a randomiser application
  29. Once you have won a Prize, you cannot win a Prize again and any additional entries you may make after winning a Prize will be regarded as invalid and ineligible.
  30. The winners will be contacted via the phone number and email they provided in their entry by a WorldRemit representative and will be required to nominate a Prize Recipient as per clause 19 above. Once notified, Prize Recipients will be required to liaise with Grainsmart representatives to arrange the awarding and fulfilment of the Prize.
  31. WorldRemit will begin distributing Prizes to the winners from Dec 1st 2020 and January 1 2021. WorldRemit shall not be responsible for any damage that may be sustained to the Prize during its delivery and any offering of a replacement for a Prize that is damaged shall be at the sole discretion of WorldRemit.
  32. If a winner(s) cannot be contacted by January 30 2021, or you are in breach of these terms and conditions, or are unable to meet the terms and conditions of Grainsmart, we reserve the right to withdraw the offer of the Prize from you and to re-draw winners from the existing entries received during the Start Date and End Date on January 31st , 2021.


  33. When you give us the information we ask for as part of the Competition, you agree that we, our agents and suppliers may use it as needed to conduct the Weekly Prize Draw as we have described in these terms and condition.
  34. You agree that personal data supplied during the course of the Competition and Monthly Prize Draw may be passed onto third parties, insofar as required and necessary for the fulfilment / delivery / arrangement of the Prize. Any personal data relating to you and your prize Recipient will be used solely in accordance with current UK data protection legislation, as updated from time to time.
  35. Any information you provide will be used in accordance with those sections of our Privacy Policy that are relevant. Our Privacy Policy can be found at
  36. By entering the Competition, you give WorldRemit (including our group companies and affiliate companies) the right to edit, publish and user your entry and your name in any and all media (including print and online) for promotion and news purposes in perpetuity without any payment to you.


  37. Your entry into the Competition and the nomination and participation of your Prize Recipient is at your own risk. We accept liability for death or personal injury caused by our negligence or that of our employees and agents. We do not seek to exclude liability for fraud by us or our employees or agents. For any other loss or damage, we will only be liable for losses which are a reasonably foreseeable consequence of our negligence or breach of these terms and conditions, up to a maximum of €500. Losses are foreseeable when they could be contemplated by you and us at the time of you entering the Competition.
  38. We are not responsible for:
    • (a) losses not caused by our breach of these terms or our negligence;
    • (b) indirect losses (these are losses which are a side effect of the main loss or damage and which are not reasonably foreseeable by you and us at the time of you entering the Competition);
    • (c) entries lost, delayed, damaged or corrupted where such loss, damage, delay or corruption is caused by events outside of our reasonable control;
    • (d) technical failures or errors affecting communication lines, website availability or systems errors where these are not within our reasonable control;
    • (e) any failure to provide the Competition, to provide the Prizes or to meet any of our obligations under these terms and conditions where that failure arises because of events outside of our reasonable control;
    • (f) or all liability to you or anyone else for any direct or indirect losses, damage, harm of any kind, or death arising from or in connection with the Competition, Prizes and any third parties associated with the Competition or Prizes or your use or enjoyment of such Prizes or any act or omission of a third party
  39. We are not responsible for the performance of any third party involved in (i) the Prize Draw; or (ii) aspects of, or the provision of the Prizes to the winners and / or their Prize Recipients.
  40. WorldRemit reserves the right to cancel or amend the Prize Draw and these terms and conditions where necessary to do so. Any changes to these terms and conditions will be notified to entrants as soon as reasonably possible by WorldRemit.
  41. WorldRemit’s decision in respect of all matters to do with the Competition. Prize Draw and Prizes will be final and no correspondence will be entered into.
  42. You agree that you will not do anything which is likely to bring us or any third party associated with this Competition, Prize Draw or Prizes into disrepute or which might adversely affect ours or their reputation.
  43. The Competition and these terms and conditions will be governed by English law and any disputes will be subject to the exclusive jurisdiction of the courts of England. If you wish to take court proceedings against WorldRemit you must do so in England.