Send Money to the Philippines

Compare current estimates from supported providers. Send to bank accounts, GCash, Maya, or cash pickup locations nationwide.

Updated 15 Oct 2026
Current Estimates
BSP Registered

Choose Your Currency

USDUnited StatesGBPUnited KingdomEUREuropeCADCanadaAUDAustraliaSGDSingaporeAEDUnited Arab Emirates

Current USD to PHP quotes

Compare current provider quotes for sending $1,000 USD. Recipient outcome remains the main comparison point.

How rankings work: Methodology · Commercial Policy

TOP
Unplex logo

Unplex

Recipient Gets
65,570PHP
Best New User rate
Rate
65.57
Fee
USD 2.99
You Send
USD 1,000
Standard users get63,070 PHP
Go to Unplex
Remitly logo

Remitly

New User rate
#2 estimate
Recipient Gets
64,720PHP
vs top
-850
Rate
64.72
Fee
FREE
You Send
USD 1,000
Standard users get61,130 PHP
Go to Remitly
Sendwave logo

Sendwave

Best Standard rate
#3 estimate
Recipient Gets
64,711.16PHP
vs top
-858.84
Rate
64.71
Fee
FREE
You Send
USD 1,000
Go to Sendwave
WorldRemit logo

WorldRemit

New User rate
Recipient Gets
63,959PHP
vs top
-1,611
Rate
63.96
Fee
FREE
You Send
USD 1,000
Standard users get62,433.5 PHP
Go to WorldRemit
Ria Money Transfer logo

Ria Money Transfer

New User rate
Recipient Gets
63,659.12PHP
vs top
-1,910.88
Rate
63.66
Fee
FREE
You Send
USD 1,000
Standard users get61,951.7 PHP
Go to Ria Money Transfer
Paysend logo

Paysend

Recipient Gets
62,616.35PHP
vs top
-2,953.65
Rate
62.62
Fee
USD 5.66
You Send
USD 1,000
Go to Paysend
CurrencyFair logo

CurrencyFair

Recipient Gets
62,605PHP
vs top
-2,965
Rate
62.69
Fee
USD 1.28
You Send
USD 1,000
Go to CurrencyFair
Taptap Send logo

Taptap Send

Recipient Gets
62,500PHP
vs top
-3,070
Rate
62.50
Fee
FREE
You Send
USD 1,000
Go to Taptap Send
Panda Remit logo

Panda Remit

Recipient Gets
62,494.6PHP
vs top
-3,075.4
Rate
62.49
Fee
FREE
You Send
USD 1,000
Go to Panda Remit
XE Money Transfer logo

XE Money Transfer

Recipient Gets
62,386.9PHP
vs top
-3,183.1
Rate
62.39
Fee
FREE
You Send
USD 1,000
Go to XE Money Transfer
Wise logo

Wise

Recipient Gets
62,303.22PHP
vs top
-3,266.78
Rate
63.05
Fee
USD 11.86
You Send
USD 1,000
Go to Wise
Western Union logo

Western Union

Recipient Gets
61,287PHP
vs top
-4,283
Rate
61.29
Fee
USD 31.99
You Send
USD 1,000
Go to Western Union
Compare all currencies to PHP

Amount Comparison

Estimate what your recipient may get at different transfer amounts using New User rates.

Remitly
Best New User
Rate: 64.7200 | Fee: $0.00
Send $100
₱6,472.00
Send $500
₱32,360.00
Send $1,000
₱64,720.00
Send $5,000
₱305,650.00
Sendwave
Rate: 64.7112 | Fee: $0.00
Send $100
₱6,471.12
Send $500
₱32,355.58
Send $1,000
₱64,711.16
Send $5,000
₱323,555.80
WorldRemit
Rate: 63.9593 | Fee: $0.00
Send $100
₱6,395.93
Send $500
₱31,979.65
Send $1,000
₱63,959.30
Send $5,000
₱319,796.50
Ria Money Transfer
Rate: 63.6591 | Fee: $0.00
Send $100
₱6,365.91
Send $500
₱31,829.56
Send $1,000
₱63,659.12
Send $5,000
₱318,295.60
Unplex
Rate: 63.0700 | Fee: $2.99
Send $100
₱6,360.95
Send $500
₱32,588.95
Send $1,000
₱62,881.42
Send $5,000
₱315,161.42

Tip: The difference between providers can be significant for larger transfers. For $5,000, you could receive up to ₱17,905.80 more by choosing the best provider.

Estimate how much to send

Enter how much your recipient needs in PHP. Estimate your total cost using the displayed rates and fees.

₱PHP
Sendwave
Sendwave
Lowest estimate · Standard

$1,019.92

Estimated total (USD)

Includes $0.00 estimated fee

2
WorldRemit
WorldRemit

$1,031.91

Estimated total (USD)

Includes $0.00 estimated fee

3
Ria Money Transfer
Ria Money Transfer

$1,036.77

Estimated total (USD)

Includes $0.00 estimated fee

4
Unplex
Unplex

$1,049.45

Estimated total (USD)

Includes $2.99 estimated fee

5
CurrencyFair
CurrencyFair

$1,054.16

Estimated total (USD)

Includes $1.28 estimated fee

6
Taptap Send
Taptap Send

$1,056.00

Estimated total (USD)

Includes $0.00 estimated fee

7
Panda Remit
Panda Remit

$1,056.09

Estimated total (USD)

Includes $0.00 estimated fee

8
XE Money Transfer
XE Money Transfer

$1,057.91

Estimated total (USD)

Includes $0.00 estimated fee

9
Wise
Wise

$1,058.63

Estimated total (USD)

Includes $11.86 estimated fee

10
Paysend
Paysend

$1,059.70

Estimated total (USD)

Includes $5.66 estimated fee

11
Remitly
Remitly

$1,079.67

Estimated total (USD)

Includes $0.00 estimated fee

12
Western Union
Western Union

$1,108.89

Estimated total (USD)

Includes $31.99 estimated fee

Estimated difference of $88.97 between Sendwave and Western Union

Rates, fees and new-customer offers may change with the amount. Confirm your total cost and the recipient amount with the provider before sending.

Ways to Receive Money in the Philippines

Bank Deposit

Direct to BDO, BPI, Metrobank, UnionBank, and all major Philippine banks. 1-3 business days.

E-Wallets

Eligible transfers can deliver to GCash or Maya. Check wallet limits, delivery estimates and any cash-out charges before choosing.

Cash Pickup

Pick up cash at 10,000+ locations: Cebuana, M Lhuillier, Palawan Express, 7-Eleven, and more.

Home Delivery

Cash delivered directly to your recipient's door in select areas. Available with some providers.

Why Use Online Money Transfer Services?

Save Up to 5% Per Transfer

Bank wires can combine exchange-rate margins with fixed wire fees. Digital providers may be cheaper on this route, but compare the final recipient amount and checkout terms before sending.

Faster Than Bank Wires

Compare delivery estimates for bank deposits, wallets and cash pickup. The total time includes funding and verification as well as the Philippine payout; wallet delivery is not always instant.

Multiple Delivery Options

Choose bank deposit, GCash, Maya, or cash pickup at thousands of locations. Give your recipient the flexibility they need.

Sending Money to the Philippines: Requirements

For Bank Deposits

  • Recipient's Full Name: Must match bank account exactly
  • Bank Name: BDO, BPI, Metrobank, etc.
  • Account Number: 10-12 digit account number

For GCash/Maya

  • Mobile Number: Philippine mobile number linked to e-wallet
  • Recipient Name: As registered in GCash/Maya
  • Verified Account: Recipient should be fully verified for higher limits

For Cash Pickup

  • Recipient's Full Name: As on their valid ID
  • Reference Number: Provided after successful transfer
  • Valid ID: Recipient must show government-issued ID

Sender Requirements

  • Photo ID: Passport, driver's license, or national ID
  • Proof of Address: Utility bill or bank statement
  • Payment Method: Bank account, debit/credit card

Philippines: A Global Remittance Hub

$38B+

Remittances received annually

10M+

Overseas Filipino Workers (OFWs)

9%

Of Philippine GDP from remittances

The Philippines is one of the world's top remittance recipients. Major source countries include the United States, Saudi Arabia, UAE, Singapore, Japan, and the United Kingdom. Comparing online money transfer services against bank wires can help OFW families reduce avoidable fees.

Understanding Remittances to the Philippines

The Philippines is one of the world's top remittance destinations, receiving over $38 billion annually from its vast overseas workforce. More than 10 million Overseas Filipino Workers (OFWs) are spread across the United States, Saudi Arabia, UAE, Canada, United Kingdom, Japan, and Australia. Remittances account for roughly 9% of the Philippine GDP and are a vital source of income for millions of Filipino families.

Remitly, Wise and WorldRemit can offer different Philippine payout options on eligible routes. Compare the exact bank, wallet or pickup option your recipient can use. Local payout networks are only one part of the transfer: sender funding, conversion and verification can affect when the recipient receives the money.

GCash and Maya can be convenient for recipients who pay through their phones. Check the wallet's current verification requirements and limits, and whether the recipient will pay an additional charge to withdraw cash or move the money afterwards. Bank deposit or cash pickup may suit a different recipient better.

How to Choose the Right Provider for the Philippines

The Philippines corridor is highly competitive, giving senders plenty of options. Here's how to match your needs with the right provider:

Large Transfers ($1,000+)

Compare Wise and OFX. For amounts above $1,000, the exchange rate often drives more of the total cost than the transfer fee. Wise is useful when transparent pricing matters; OFX can be worth checking for larger bank-to-bank transfers and dealer support. Confirm the final quote before choosing.

Fastest Delivery to GCash (Minutes)

Compare Remitly and WorldRemit. Wallet delivery can be useful for urgent padala, but availability, limits, and delivery times vary. Confirm the current GCash quote before sending.

Cash Pickup in Rural Areas

Compare Western Union and WorldRemit. If your recipient is in a province without easy bank access, cash pickup can matter. Compare pickup coverage, fees, and the final PHP amount before sending.

Regular Monthly Balikbayan Transfers

Compare recurring-transfer options. OFWs who send monthly support may benefit from automation and rate alerts. Recheck quotes periodically because the strongest provider can change over time.

Common Mistakes When Sending Money to the Philippines

1. Paying High Fees at Physical Agent Locations

A cash-pickup branch may price differently from the same provider's app or website. Compare the digital quote and branch quote, including the exchange rate, before choosing.

2. Choosing a Wallet Without Checking Its Limits

Choose a receiving method that fits how the recipient will use the pesos. For GCash, check verification, maximum wallet balance and remaining monthly receiving allowance. A provider may also set its own transfer limit. Compare bank deposit and wallet delivery using the final quote and any later withdrawal charges.

Check GCash's current limits or use our US-to-Philippines recipient checklist.

3. Ignoring Exchange Rate Differences Between Providers

PHP exchange rates can vary between providers. A provider advertising "no fees" may still include cost in the exchange-rate margin. Compare the total pesos your recipient may receive, then confirm the final checkout quote.

4. Not Verifying Recipient Details Before Sending

Check the registered recipient name and full bank-account or wallet mobile number together with the recipient. Follow the provider's requested local or international phone-number format, including any country code. If you entered the wrong details, contact the sending provider promptly with the transfer reference; recovery is not guaranteed.

5. Sending Large Amounts Without Comparing Business Rates

If you're sending more than $5,000 - for property, tuition, or business, personal transfer rates may not be the best option. Providers like OFX and Wise Business offer better rates for large transfers and can handle the documentation required for property transactions in the Philippines.

Top Money Transfer Services for Philippines

Remitly

Provider profile

GCash transfer option

Minutes
Read review →

Wise

Provider profile

Bank deposits, compare quote

1-2 days
Read review →

WorldRemit

Provider profile

Cash pickup nationwide

Minutes-1 day
Read review →

Western Union

Provider profile

Large pickup network

Minutes
Read review →

Instarem

Provider profile

Route-specific fee model

1-2 days
Read review →

Panda Remit

Provider profile

Asia corridor transfer option

1-3 days
Read review →

Philippines Remittance & PHP News

View all
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about 1 hour ago

China: Constrained but still central to growth – Rabobank

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News: USD/CHF Price Forecast: Double top threatens 0.8220 support
FXStreet
about 1 hour ago

USD/CHF Price Forecast: Double top threatens 0.8220 support

The USD/CHF struggles at 0.8350, dives below the 0.8300 figure as a ‘double top’ chart pattern looms in the daily chart, even though the overall trend is up. The pair trades at 0.8269, down almost 1%.

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News: Vietnamese Dong: Trade deal hopes and stable FX – Commerzbank
FXStreet
about 2 hours ago

Vietnamese Dong: Trade deal hopes and stable FX – Commerzbank

Commerzbank analysts discuss Vietnam’s progress toward a US trade deal, which officials say is essentially complete and could be signed soon. The agreement aims to address tariffs, transshipment and regulatory standards, potentially easing a key growth headwind.

Read more

Frequently Asked Questions: Various to PHP

What is the cheapest way to send money to the Philippines?
The cheapest way to send money to the Philippines changes by amount, funding method, payout route, speed, and promotion eligibility. Compare Wise, Remitly, Instarem, WorldRemit, Western Union, banks, and cash-pickup options by final PHP received before sending.
Was this answer helpful?
How long does it take to transfer money to the Philippines?
Check the delivery estimate for your provider, funding method and Philippine payout option. Bank deposits, wallet transfers and cash pickup can have different processing times. Funding clearance, verification, recipient details, wallet limits and local operating hours can affect when the money is usable.
Was this answer helpful?
Can I send money to GCash or Maya in the Philippines?
Eligible routes can offer GCash or Maya delivery through providers such as Wise, Remitly and WorldRemit. Confirm the particular wallet is available for your sending country and amount at checkout. The recipient should check verification, wallet balance space and remaining receiving limits before you pay.
Was this answer helpful?
What documents do I need to send money to the Philippines?
You'll need a government-issued photo ID (passport, driver's license, or national ID) and proof of address. For the recipient, you'll need their full name as it appears on their ID, and either their bank account number, e-wallet number (GCash/Maya), or a cash pickup location preference.
Was this answer helpful?
What is the limit for sending money to the Philippines?
Limits vary by provider. Most services allow $2,500-$10,000 per transaction for verified accounts. Some providers like OFX and Wise support much larger transfers for business or property purchases. The Philippines allows unlimited inward remittances with proper documentation.
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Is it safe to send money to the Philippines online?
Yes, when using regulated money transfer services. Look for providers licensed in your country and registered with the BSP (Bangko Sentral ng Pilipinas). All providers on our comparison are regulated, use encryption, and offer fraud protection. Keep transaction receipts for your records.
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What are the best cash pickup locations in the Philippines?
Popular cash pickup networks include Cebuana Lhuillier (2,500+ locations), M Lhuillier, Palawan Express, LBC, Western Union, and other agent networks. Recipients can pick up cash at pawnshops, convenience stores, and dedicated remittance centers nationwide.
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Do I need to pay taxes on money sent to the Philippines?
Remittances to the Philippines are generally tax-free for the recipient under Philippine law. However, very large amounts may require documentation of the source of funds. Check your local tax laws regarding reporting requirements for international transfers.
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What is the best time to send money to the Philippines?
There is no guaranteed best time. Exchange rates move throughout the day, and provider margins can change independently of the mid-market rate. Use rate alerts and compare the final PHP received when you are ready to send. Philippine holidays can still affect bank-delivery timing.
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Can I send money to the Philippines for free?
Some providers advertise no-upfront-fee promotions, especially for first-time users. The exchange-rate margin may still carry cost, so compare the total PHP your recipient may receive and confirm the checkout quote.
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Ready to Send Money to the Philippines?

Compare current provider options and choose the route that fits your next transfer. Send to bank, GCash, Maya, or cash pickup.

Compare All Rates to PhilippinesUSD to PHP Rates

New to sending money to the Philippines? Read our complete guide to the best ways to send money to the Philippines in 2026.