I prefer coins.ph since is more convenient for us to use. Whenever I cash out I just make the transactions and go the remittance center. Additionally, whenever I have to pay someone even if he is far away I can simply send it via remittance if he doesnt have an account and if he does I can simply send it to his wallet address. And you can also buy load in coins.ph or pay your bills through it and you can also get a rebate. If you have your friends joined and verified their account you can also get a referral fee. And it has its ether wallet too and they include bch wallet too.