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 = 64,110 PHP

via Unplex

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

USD

PHP

Transfer Amount

$100$50,000

Sending

$1,000 USD

Current comparison

$1,000 USD to PHP

Change

USD

PHP

Transfer Amount

$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 17 Jul 2026

Why do rates differ? Each provider sets their own markup, fees, payout rails, and promo rules. The "You receive" column is the quickest way to compare the real cost after fees.

Sort results by

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

TOP

Unplex

Recipient Gets

64,110PHP

Best New User rate

Rate

64.11

Fee

USD 2.99

You Send

USD 1,000

Standard users get61,610 PHP

Go to Unplex

Remitly

New User rate

#2 estimate

Recipient Gets

63,000PHP

vs top

-1,110

Rate

63.00

Fee

FREE

You Send

USD 1,000

Standard users get59,740 PHP

Go to Remitly

Sendwave

Best Standard rate

#3 estimate

Recipient Gets

62,698.35PHP

vs top

-1,411.65

Rate

62.70

Fee

FREE

You Send

USD 1,000

Go to Sendwave

WorldRemit

New User rate

Recipient Gets

61,823PHP

vs top

-2,287

Rate

61.82

Fee

FREE

You Send

USD 1,000

Standard users get61,238 PHP

Go to WorldRemit

Paysend

Recipient Gets

61,633.28PHP

vs top

-2,476.72

Rate

61.60

Fee

USD 5.66

You Send

USD 1,000

Go to Paysend

Panda Remit

Recipient Gets

61,413.1PHP

vs top

-2,696.9

Rate

61.41

Fee

FREE

You Send

USD 1,000

Go to Panda Remit

Taptap Send

Recipient Gets

61,300PHP

vs top

-2,810

Rate

61.30

Fee

FREE

You Send

USD 1,000

Go to Taptap Send

CurrencyFair

Recipient Gets

61,155PHP

vs top

-2,955

Rate

61.23

Fee

USD 1.31

You Send

USD 1,000

Go to CurrencyFair

XE Money Transfer

Recipient Gets

60,973.1PHP

vs top

-3,136.9

Rate

60.97

Fee

FREE

You Send

USD 1,000

Go to XE Money Transfer

Wise

Recipient Gets

60,831.62PHP

vs top

-3,278.38

Rate

61.61

Fee

USD 12.65

You Send

USD 1,000

Go to Wise

Western Union

Recipient Gets

59,873.7PHP

vs top

-4,236.3

Rate

59.87

Fee

USD 31.99

You Send

USD 1,000

Go to Western Union

OFX

Recipient Gets

58,933.2PHP

vs top

-5,176.8

Rate

58.93

Fee

FREE

You Send

USD 1,000

Go to OFX

Provider	Exchange Rate	Fee	You Send	Recipient Gets	Action
Unplex Best New User rate	64.11 61.61	USD 2.99 USD 2.99	USD 1,000	64,110 PHP 61,610 PHP	Go to Unplex
2 Remitly New User rate	63.00 59.74	FREE FREE	USD 1,000	63,000 PHP 59,740 PHP 1,110 less	Go to Remitly
3 Sendwave Best Standard rate	62.70	FREE	USD 1,000	62,698.35 PHP 1,411.65 less	Go to Sendwave
4 WorldRemit New User rate	61.82 61.24	FREE FREE	USD 1,000	61,823 PHP 61,238 PHP 2,287 less	Go to WorldRemit
5 Paysend	61.60	USD 5.66	USD 1,000	61,633.28 PHP 2,476.72 less	Go to Paysend
6 Panda Remit	61.41	FREE	USD 1,000	61,413.1 PHP 2,696.9 less	Go to Panda Remit
7 Taptap Send	61.30	FREE	USD 1,000	61,300 PHP 2,810 less	Go to Taptap Send
8 CurrencyFair	61.23	USD 1.31	USD 1,000	61,155 PHP 2,955 less	Go to CurrencyFair
9 XE Money Transfer	60.97	FREE	USD 1,000	60,973.1 PHP 3,136.9 less	Go to XE Money Transfer
10 Wise	61.61	USD 12.65	USD 1,000	60,831.62 PHP 3,278.38 less	Go to Wise
11 Western Union	59.87	USD 31.99	USD 1,000	59,873.7 PHP 4,236.3 less	Go to Western Union
12 OFX	58.93	FREE	USD 1,000	58,933.2 PHP 5,176.8 less	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. Compare your exact send amount before you shortlist a provider.
2. Check payout method, delivery speed, and total recipient amount.
3. Complete ID verification before you need the transfer urgently.
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.

Methodology Editorial standards

How Much to Send for Exact PHP Amount?

Recipient Gets Exactly...

Enter how much your recipient needs in PHP. We'll show how much you need to send.

₱PHP

Unplex

Cheapest New User

$1,001.27

You send (USD)

Remitly

$1,015.87

You send (USD)

Sendwave

$1,020.76

You send (USD)

WorldRemit

$1,035.21

You send (USD)

Panda Remit

$1,042.12

You send (USD)

Taptap Send

$1,044.05

You send (USD)

Paysend

$1,044.71

You send (USD)

CurrencyFair

$1,046.46

You send (USD)

XE Money Transfer

$1,049.64

You send (USD)

Wise

$1,051.43

You send (USD)

OFX

$1,085.98

You send (USD)

Western Union

$1,100.91

You send (USD)

Save $99.63 by choosing Unplex over Western Union

How to Send Money from USD to PHP

1. Compare Current Options

Use our comparison tool above to review available USD to PHP quotes from Wise, Remitly, WorldRemit, Western Union, Sendwave and more. Enter your exact amount to estimate what your recipient may get.

2. Choose Your Provider

Select based on rate, fees, and transfer speed. Popular choices for USD to PHP transfers include Wise, Remitly, WorldRemit. First-time users often get promotional rates.

3. Sign Up & Verify

Create an account with your chosen provider. You'll need government-issued ID for verification. This one-time process typically takes 5-10 minutes and ensures secure transfers to Philippines.

4. Send Money

Enter recipient details and pay via bank transfer, debit or credit card. Bank transfers offer better rates, while cards are faster. Most USD to PHP transfers arrive within 1-3 business days.

Market Analysis: USD/PHP Exchange Rate

The USD to PHP exchange rate is influenced by economic factors in both United States and Philippines. Key factors include central bank interest rates, inflation levels, trade balances, and political stability.

Remittances from United States to Philippines form a significant portion of Philippines's economy. Online providers may be cheaper than some banks on this route, but savings depend on the provider quote, fees, funding method, and payout option.

Understanding USD to PHP Rates

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
✓Use bank transfer as funding method for the lowest fees
✓Consider GCash or Maya delivery for instant receipt in the Philippines
✓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 →

Tips to Get the Best USD to PHP Rate

Compare rates from multiple providers, differences can be significant for USD to PHP transfers.

Use bank transfer instead of debit/credit cards when the final quote is better for larger amounts.

Avoid airport currency exchange counters unless you have compared the final rate and fee against online options.

Set up rate alerts to get notified when USD/PHP rate improves.

First-time transfer limits are often lower, consider this when choosing a provider.

Read reviews about transfer speed to Philippines for your chosen provider.

USD to PHP Transfer Speed Comparison

Payment Method	Transfer Speed	Best For
Debit Card	Minutes to 24 hours	Urgent transfers, small amounts
Credit Card	Minutes to 24 hours	Emergency transfers (higher fees)
Bank Transfer	1-3 business days	Large amounts, best rates
First-time Transfer	+1-2 days (verification)	Add time for identity verification

Note: Transfer speeds vary by provider. Check the comparison table above for specific delivery times to Philippines.

Safety & Regulation for USD to PHP Transfers

Regulatory Compliance

All money transfer providers on our site are regulated by financial authorities. US-based services are regulated by FinCEN and state regulators.These regulations ensure your money is protected and transfers are secure.

Security Measures

Reputable providers use encryption, two-factor authentication, and fraud monitoring systems. Safeguarding, refund rights, and support processes vary by provider and jurisdiction, so confirm the terms before sending. Never share your password or verification codes with anyone, including provider staff.

Consumer Protection

If something goes wrong, regulated providers must follow complaint procedures and may be covered by financial protection schemes. Keep records of all transfers, including confirmation emails and reference numbers. Most disputes are resolved within 15 business days when proper documentation is provided.

Business Transfers: USD to PHP

Sending USD to PHP for your business? These providers offer business accounts with features like batch payments, API access, multi-currency accounts, and competitive FX rates for higher volumes.

Wise

Personal & Business

Batch Payments

API

Multi-Currency

0.41% - 2% · 1-2 business days · 80+ countries

Review Visit Site

Remitly

Personal & Business

Batch Payments

API

$0 - $4.99 · Minutes to 3-5 days · 170+ countries

Review Visit Site

XE Money Transfer

Personal & Business

Batch Payments

FX Hedging

No transfer fees (rate margin applies) · 1-4 business days · 130+ countries

Review Visit Site

OFX

Personal & Business

Batch Payments

API

FX Hedging

No transfer fees (rate margin applies) · 1-5 business days · 170+ countries

Review Visit Site

TorFX

Personal & Business

API

FX Hedging

No transfer fees (margin on rate) · 1-2 business days · 50+ countries

Review Visit Site

Airwallex

Business Only

Batch Payments

API

Multi-Currency

FX Hedging

UK FX: 0.5% major / 1% other currencies · Depends on route and payment rail · 120+ countries

Review Visit Site

Compare all business payment providers

USD/PHP & Forex News

View all

FXStreet

39 minutes ago

Silver Price Forecast: XAG/USD falls to near $55.50 amid interest rate concerns

Silver price (XAG/USD) remains subdued for the third successive day, trading around $55.50 per troy ounce during the Asian hours on Thursday. Silver is on track to drop over 7% this week as escalating Middle East tensions drive oil prices up.

Read full article

FXStreet

about 1 hour ago

US President Donald Trump begins widely anticipated address to the nation

US President Donald Trump is delivering a primetime address to the nation from the White House on Friday.

Read full article

FXStreet

about 1 hour ago

PBOC sets USD/CNY reference rate at 6.7934 vs. 6.7909 previous

On Friday, the People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead at 6.7934 compared to the previous day's fix of 6.7909 and 6.7734 Reuters estimate.

Read full article

Frequently Asked Questions: USD to PHP

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.

Was this answer helpful?

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.

Was this answer helpful?

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.

Was this answer helpful?

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.

Was this answer helpful?

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.

Was this answer helpful?

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.

Was this answer helpful?

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.

Was this answer helpful?

Related Currency Routes

Compare rates for other popular money transfer corridors. Find the best exchange rates for sending money internationally.

Other Ways to Send to Philippines

GBP to PHPfrom United Kingdom

CAD to PHPfrom Canada

AUD to PHPfrom Australia

EUR to PHPfrom Eurozone

SGD to PHPfrom Singapore

AED to PHPfrom United Arab Emirates

View all routes to Philippines

Other Destinations from United States

USD to INRto India

USD to PKRto Pakistan

USD to BDTto Bangladesh

USD to MXNto Mexico

USD to JPYto Japan

USD to CNYto China

Most Popular Money Transfer Routes

These are the most searched currency exchange corridors. Open a route to request current quote estimates from listed providers like Wise, Remitly, and WorldRemit.

GBPINR USDINR GBPPKR USDPKR GBPPHP

USD to PHP Guides & Tips

Currency Guides

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 current quotes above and choose the provider that fits your transfer. Most transfers complete within 1-3 business days.

Compare All USD to PHP Providers