Send Money to the Philippines
Compare current loaded estimates from supported providers. Send to bank accounts, GCash, Maya, or cash pickup locations nationwide.
Choose Your Currency
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 row follows the selected sort. The alternate Standard or New User rate appears below when available.
Unplex
Remitly
Paysend
#3 loaded estimate
WorldRemit
CurrencyFair
Taptap Send
Panda Remit
Sendwave
XE Money Transfer
Western Union
| Provider | Exchange Rate | Fee | You Send | Recipient Gets | Action |
|---|---|---|---|---|---|
Unplex Best New User rate Best Standard rate | 64.35 61.85 | USD 2.99 USD 2.99 | USD 1,000 | 64,350 PHP 61,850 PHP | Check current quote |
63.09 59.96 | FREE FREE | USD 1,000 | 63,090 PHP 59,960 PHP 1,260 less | Check Remitly quote | |
61.76 | USD 5.66 | USD 1,000 | 61,758.56 PHP 2,591.44 less | Check Paysend quote | |
61.75 61.17 | FREE FREE | USD 1,000 | 61,753 PHP 61,168.4 PHP 2,597 less | Check WorldRemit quote | |
61.47 | USD 1.30 | USD 1,000 | 61,390 PHP 2,960 less | Check CurrencyFair quote | |
61.30 | FREE | USD 1,000 | 61,300 PHP 3,050 less | Check Taptap Send quote | |
61.24 | FREE | USD 1,000 | 61,240.9 PHP 3,109.1 less | Check Panda Remit quote | |
61.21 | FREE | USD 1,000 | 61,211.48 PHP 3,138.52 less | Check Sendwave quote | |
61.12 | FREE | USD 1,000 | 61,122.1 PHP 3,227.9 less | Check XE Money Transfer quote | |
61.81 | USD 12.65 | USD 1,000 | 61,027.31 PHP 3,322.69 less | Check Wise quote | |
60.01 | USD 31.99 | USD 1,000 | 60,008.8 PHP 4,341.2 less | Check Western Union quote | |
58.73 | FREE | USD 1,000 | 58,731.6 PHP 5,618.4 less | Check OFX quote |
Amount ComparisonAmount Comparison: How Much Will They Receive?
Estimate what your recipient may get at different transfer amounts using New User rates.
| Provider | $100 | $500 | $1,000 | $5,000 |
|---|---|---|---|---|
Remitly Rate: 63.0900 | Fee: $0.00Best New User | ₱6,309.00 | ₱31,545.00 | ₱63,090.00 | ₱299,800.00 |
WorldRemit Rate: 61.7531 | Fee: $0.00 | ₱6,175.31 | ₱30,876.55 | ₱61,753.10 | ₱308,765.50 |
Unplex Rate: 61.8500 | Fee: $2.99 | ₱6,242.59 | ₱31,982.59 | ₱61,665.07 | ₱309,065.07 |
Paysend Rate: 61.7586 | Fee: $5.66 | ₱5,826.06 | ₱30,529.48 | ₱61,408.76 | ₱308,442.98 |
CurrencyFair Rate: 61.4700 | Fee: $1.30 | ₱6,067.00 | ₱30,655.00 | ₱61,390.00 | ₱307,270.00 |
Tip: The difference between providers can be significant for larger transfers. For $5,000, you could receive up to ₱9,265.07 more by choosing the best provider.
Recipient Gets Exactly...
Enter how much your recipient needs in PHP. We'll show how much you need to send.
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
Instant transfer to GCash and Maya (PayMaya). Recipients can use funds immediately or cash out.
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
Bank international transfers take 3-5 days. E-wallet transfers are instant, and bank deposits typically arrive within 1-2 business days.
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.
The US-to-Philippines corridor is the largest, followed by the Gulf states and other Asian countries. Competition among providers is fierce — services like Remitly, Wise, and WorldRemit have built strong Philippines-specific features including direct GCash wallet delivery and instant bank transfers via InstaPay. Cash-pickup operators remain popular, especially in rural areas where bank access is limited.
The Bangko Sentral ng Pilipinas (BSP) actively promotes digital remittance channels and regulates all inbound transfers. The Philippines' growing fintech ecosystem — led by GCash and Maya (formerly PayMaya) — has made mobile wallet delivery the fastest-growing method, especially among younger recipients who prefer instant access to funds on their phones.
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. Not Using GCash for Small-to-Medium Transfers
Many senders default to bank transfers when GCash delivery is faster and more convenient for recipients. Over 60 million Filipinos use GCash, and transfers arrive instantly — no waiting for banking hours. For amounts under ₱50,000, GCash is almost always the best delivery method.
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
Philippine bank account numbers and GCash-linked mobile numbers must be exact. A wrong digit can send money to the wrong person, and recovery is difficult. Always double-check the 10-digit GCash mobile number (starting with 09) or the full bank account number with your recipient before initiating the transfer.
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
GCash transfer option
Wise
Bank deposits, compare quote
WorldRemit
Cash pickup nationwide
Western Union
Large pickup network
Instarem
Route-specific fee model
Panda Remit
Asia corridor transfer option
Philippines Remittance & PHP News
View allFrequently Asked Questions: Various to PHP
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.
New to sending money to the Philippines? Read our complete guide to the best ways to send money to the Philippines in 2026.