Best USD to PHP Transfer Rates and Fees

Compare current provider estimates for sending money from United States to Philippines

12 provider estimates available for this corridor

Strongest New User recipient estimate

$1,000 USD = 65,520 PHP

via Unplex

Provider eligibility, payout method, and checkout timing can change the final quote.

Current comparison

$1,000 USD to PHP

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USD
PHP
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$100$50,000

Sending

$1,000 USD

USD to PHP Provider Rate Comparison

Showing 12 provider estimates for sending $1,000 USD. Confirm fees and payout method at provider checkout.

Current Estimates·Updated 15 Oct 2026

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New User rates are shown first when available. Standard rates compare repeat-user pricing.

TOP
Unplex logo

Unplex

Recipient Gets
65,520PHP
Best New User rate
Rate
65.52
Fee
USD 2.99
You Send
USD 1,000
Standard users get63,020 PHP
Go to Unplex
Sendwave logo

Sendwave

Best Standard rate
#2 estimate
Recipient Gets
64,767.27PHP
vs top
-752.73
Rate
64.77
Fee
FREE
You Send
USD 1,000
Go to Sendwave
WorldRemit logo

WorldRemit

New User rate
#3 estimate
Recipient Gets
64,015PHP
vs top
-1,505
Rate
64.01
Fee
FREE
You Send
USD 1,000
Standard users get62,487.7 PHP
Go to WorldRemit
Ria Money Transfer logo

Ria Money Transfer

New User rate
Recipient Gets
63,659.12PHP
vs top
-1,860.88
Rate
63.66
Fee
FREE
You Send
USD 1,000
Standard users get61,951.7 PHP
Go to Ria Money Transfer
CurrencyFair logo

CurrencyFair

Recipient Gets
62,615PHP
vs top
-2,905
Rate
62.70
Fee
USD 1.28
You Send
USD 1,000
Go to CurrencyFair
Paysend logo

Paysend

Recipient Gets
62,586.07PHP
vs top
-2,933.93
Rate
62.59
Fee
USD 5.66
You Send
USD 1,000
Go to Paysend
Taptap Send logo

Taptap Send

Recipient Gets
62,500PHP
vs top
-3,020
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
-3,025.4
Rate
62.49
Fee
FREE
You Send
USD 1,000
Go to Panda Remit
XE Money Transfer logo

XE Money Transfer

Recipient Gets
62,431.7PHP
vs top
-3,088.3
Rate
62.43
Fee
FREE
You Send
USD 1,000
Go to XE Money Transfer
Wise logo

Wise

Recipient Gets
62,322.68PHP
vs top
-3,197.32
Rate
63.07
Fee
USD 11.86
You Send
USD 1,000
Go to Wise
Western Union logo

Western Union

Recipient Gets
61,287PHP
vs top
-4,233
Rate
61.29
Fee
USD 31.99
You Send
USD 1,000
Go to Western Union
OFX logo

OFX

Recipient Gets
60,112.8PHP
vs top
-5,407.2
Rate
60.11
Fee
FREE
You Send
USD 1,000
Go to OFX

Keep watching USD to PHP

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Keep the route research short

Use the comparison first. Open the sections below only if you still need timing, safety, or route guidance before you send.

Timing and rate context

Use Rate Pulse to spot recent corridor movement, then set an alert if timing matters more than immediate delivery.

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How to send this route
  1. 1. Compare your exact send amount before you shortlist a provider.
  2. 2. Check payout method, delivery speed, and total recipient amount.
  3. 3. Complete ID verification before you need the transfer urgently.
  4. 4. Confirm the final quote on provider checkout before sending.
Safety checks

Strong providers still vary by corridor, amount, and payout method. Use our policy pages to understand how results are gathered and ranked.

MethodologyEditorial standards

Understanding USD to PHP Transfers

Route context

Sending USD from the US and receiving PHP in the Philippines involves more than a currency conversion. Your US funding method, the recipient's bank or wallet, and the provider's payout route can affect cost and timing. Confirm whether the recipient needs pesos in an account, a mobile wallet balance, or cash before comparing the final quote.

What is a Good USD to PHP Rate?

A competitive USD to PHP quote should be judged against the mid-market benchmark after fees are included. Online providers, banks, and cash-pickup services can price differently, so compare the recipient estimate and final checkout terms before sending.

How Providers Differ

Wise is useful for transparent bank-transfer pricing. Remitly may be competitive when promotions, speed, or wallet delivery matter. Western Union can be relevant where cash pickup matters. The strongest option depends on amount and payout method.

Common Mistakes to Avoid

  • ✗Using bank wire transfers without checking both the fee and exchange-rate margin
  • ✗Not comparing providers before each transfer, rates change daily
  • ✗Forgetting to check both the exchange rate AND the fee together
  • ✗Sending during Philippine bank holidays when processing is delayed

Best Practices

  • ✓Compare rates from multiple providers for each transfer
  • ✓Compare US bank and card funding costs for the same transfer amount
  • ✓Check GCash or Maya eligibility, remaining receiving limits and delivery estimates before choosing wallet payout
  • ✓Set up rate alerts to transfer when USD strengthens against PHP

Related Resources

Send money to Philippines guide →Wise vs Remitly comparison →Best way to send money to Philippines →Understand transfer fees and deductions →

Sending from the US: how will your recipient use the pesos?

Choose the receiving method before comparing the final quote. A bank deposit, wallet payment and cash pickup can have different prices, limits and delivery estimates.

Philippine bank account

Useful when the recipient pays bills or keeps savings in a bank. Confirm the account receives PHP and that the provider supports the bank and account type.

GCash or Maya wallet

Useful for mobile payments when the wallet can receive the amount. Check verification, available balance space and receiving limits, plus any later cash-out costs.

Cash pickup

Useful when the recipient needs cash. Confirm the provider's available pickup locations, identification requirements and opening hours before selecting this method.

Recipient checklist before you pay

  • Confirm the registered recipient name and the bank account or wallet number using the format requested by the provider.
  • Check the receiving currency. A USD to PHP estimate is for pesos; ask separately about keeping dollars in an eligible USD account.
  • For a wallet, check both remaining receiving allowance and space for the new balance. They are separate limits.
  • Check your total US-dollar payment, the pesos expected, any withdrawal costs and the delivery estimate for this payout method.
  • Keep the transfer reference and recipient details so the provider can investigate if delivery is delayed.

Requirements reviewed . Check Wise's PHP payout requirements and GCash's account limits for their current rules. Other providers and wallets may differ.

Understand fees and deductions before sending

Frequently Asked Questions: USD to PHP

Can I send money from a US bank to GCash or Maya?
Choose a provider that supports US funding and delivery to the recipient's particular Philippine wallet. Funding the transfer from your US bank and delivering PHP to a wallet are separate steps. Check both options at checkout: a bank-deposit quote is not confirmation of wallet availability or pricing. Ask the recipient to verify their wallet status, registered name, mobile number and remaining receiving allowance before you pay.
Check Wise's Philippine payout options
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Which details do I need for a Philippine bank deposit?
For a local PHP payout, check the account-holder name, bank name and account number against the recipient's bank records. Follow the provider's fields rather than substituting a debit-card number or US routing number. An international bank wire can require different details, including a SWIFT/BIC and bank instructions. Ask the receiving bank for its instructions if you are arranging a wire.
Read Wise's bank-deposit requirements
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Which GCash limits should the recipient check before a remittance?
Check the recipient's verification status and their own limits in the GCash app. Maximum wallet balance and monthly incoming allowance are different: spending money can free balance space without restoring the allowance already used that month. The remittance provider can also impose a separate per-transfer limit. Maya and other wallets have their own rules; do not apply a GCash limit to them.
Review GCash wallet and transaction limits
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Will my recipient get Philippine pesos or keep US dollars?
This USD to PHP comparison estimates delivery in Philippine pesos. If the recipient wants to keep US dollars, confirm that their account and the selected provider route accept USD deposits before sending. A dollar account is not interchangeable with a peso account, and a PHP quote does not establish the cost or availability of a USD-to-USD transfer. Confirm the receiving currency and any bank charges with the provider and recipient bank.
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Why has money left my US account but not reached the recipient?
A debit from your US account does not by itself confirm delivery in the Philippines. Check the provider's status and delivery estimate, then verify the recipient details and any wallet limits. If the estimate has passed or the provider says delivered but the recipient cannot find the funds, ask the provider to trace the payment using its reference. For GCash, follow the help instructions for the actual cash-in method: claiming a reference-based remittance is different from receiving a direct wallet deposit. Avoid sending the payment again while its status is unclear.
Find the right GCash missing-payment support route
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Should I choose bank deposit, a mobile wallet or cash pickup?
Start with how the recipient will use the pesos. Bank deposit can suit bills paid from an account; a wallet can suit mobile payments if its limits cover the transfer; cash pickup can suit someone who needs physical cash. Compare the same US-dollar budget for each usable method, including any cost to withdraw the money afterwards. Confirm the account or wallet is supported, or that the recipient can meet the pickup location's identification requirements. No payout method is always cheapest or fastest.
Compare Philippine receiving options
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What is the best USD to PHP exchange rate today?
The strongest USD to PHP recipient amount varies by provider, amount, payout method, and timing. Use the comparison table above to review current provider estimates, then confirm the final checkout quote before sending.
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How much does it cost to send money from United States to Philippines?
The total cost usually includes the exchange-rate margin and any transfer fee. The comparison table estimates recipient amounts for the selected route and amount where providers return quotes; confirm the final amount at provider checkout.
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Which is the cheapest way to send USD to PHP?
The cheapest route depends on amount, funding method, payout method, provider eligibility, and exchange-rate margin. Compare current recipient estimates first, then check provider checkout terms before choosing.
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How long does a USD to PHP transfer take?
Use the delivery estimate for the exact provider, funding method, and payout method. Funding clearance, identity or source-of-funds checks, processing cut-offs, weekends, holidays, recipient details, and local payout steps can all affect timing. Confirm the estimate at checkout and use the provider's transfer status after sending.
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Is it safe to send money from United States to Philippines online?
Provider regulation varies by entity and country. We aim to list established services and surface known regulator references where available, but you should verify the provider licence, jurisdiction, payout method, and final checkout terms for your route.
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Why might a provider not appear for USD to PHP?
The provider may not support the selected route, amount, funding method, or payout method, or it may not have returned a usable estimate. Try the exact transfer details you intend to use and confirm route availability with the provider if it is not shown.
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What information do I need to send USD to PHP?
A provider will normally ask for the recipient's name and the details required by the selected payout method, such as bank-account, wallet, or cash-pickup information. It may also request sender identification or information about the transfer. Follow the provider's current checkout requirements and confirm recipient details before paying.
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Can I cancel a USD to PHP transfer?
Cancellation depends on the provider's terms and the current transfer stage. Check the transfer screen and contact the provider promptly with the reference number. CompareRemittanceRates does not process the transfer and cannot cancel or refund it.
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Why do USD to PHP rates change?
Currency-market prices and provider pricing can change between the comparison and checkout. The amount, funding method, payout method, and promotion eligibility can also change the customer quote. Treat comparison data as an estimate and confirm the final rate and recipient amount before sending.
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What's the difference between the mid-market rate and the rate I get?
The mid-market rate is a benchmark based on the midpoint between market buy and sell prices. A customer quote can include an exchange-rate margin, transfer fee, funding cost, or payout-method effect. Compare the estimated recipient amount and verify the complete provider quote before sending.
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Best Ways to Send Money to the Philippines 2026: Providers & Fees

Compare supported providers for Philippines transfers, including bank, wallet, and cash pickup options. Check current USD/GBP to PHP estimates before checkout.

Read guide →

Ready to Send USD to PHP?

Review the current estimates above and choose the provider that fits your transfer. Confirm the final recipient amount, fees, payout method, and delivery estimate at checkout.

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