Just wanted to share my experience with munchahouse.
If  muncha house's owner is reading this, you just lost your customer. 
My reference Number: XXX5064001

I used to use moneytonepal.com, never had problem. For some reason they are offline. 
Today was my first transaction with munchahouse.com. 

• Got a call from customer service, Pradeep (refuse to give me his last name or rep id#) to verify my bank information and personal information. 
• His questions  
  • How long I have been living in US?
  • What's my annual income?
• My answer: How are these questions relevant verifying my account? I am not applying for a credit card. I am transferring my money from my Checkin account to Nepal. 
• There was a mistake on my DOB ( I made that mistake it while filling out registration form). I told him I cannot fix it from my side. Can he take care of it? He said "No I need to call customer service."  But I am taking to customer service. 
• Whole conversation was a nightmare. It's like muncha house was doing me a favor.  
• Finally I told him to cancel my transaction. Instead of working with me, his attitude waslike " I don't give a F**K." 

That's all I have to say