Best USD to PHP Transfer Rates and Fees

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

13 provider estimates available for this corridor

Strongest New User recipient estimate

$1,000 USD = 64,900 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 13 provider estimates for sending $1,000 USD. Confirm fees and payout method at provider checkout.

Current Estimates·Updated 31 Aug 2026

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

TOP

Unplex

Best Standard rate

Recipient Gets

64,900PHP

Best New User rate

Rate

64.90

Fee

USD 2.99

You Send

USD 1,000

Standard users get62,400 PHP

Go to Unplex

Remitly

New User rate

#2 estimate

Recipient Gets

64,040PHP

vs top

-860

Rate

64.04

Fee

FREE

You Send

USD 1,000

Standard users get60,480 PHP

Go to Remitly

Ria Money Transfer

New User rate

#3 estimate

Recipient Gets

62,856.48PHP

vs top

-2,043.52

Rate

62.86

Fee

FREE

You Send

USD 1,000

Standard users get61,382.1 PHP

Go to Ria Money Transfer

Paysend

Recipient Gets

62,396.4PHP

vs top

-2,503.6

Rate

62.40

Fee

USD 5.66

You Send

USD 1,000

Go to Paysend

Sendwave

Recipient Gets

62,024.16PHP

vs top

-2,875.84

Rate

62.02

Fee

FREE

You Send

USD 1,000

Go to Sendwave

Panda Remit

Recipient Gets

62,008.9PHP

vs top

-2,891.1

Rate

62.01

Fee

FREE

You Send

USD 1,000

Go to Panda Remit

WorldRemit

New User rate

Recipient Gets

61,949PHP

vs top

-2,951

Rate

61.95

Fee

FREE

You Send

USD 1,000

Standard users get61,356.5 PHP

Go to WorldRemit

CurrencyFair

Recipient Gets

61,935PHP

vs top

-2,965

Rate

62.02

Fee

USD 1.29

You Send

USD 1,000

Go to CurrencyFair

Taptap Send

Recipient Gets

61,700PHP

vs top

-3,200

Rate

61.70

Fee

FREE

You Send

USD 1,000

Go to Taptap Send

Wise

Recipient Gets

61,659.15PHP

vs top

-3,240.85

Rate

62.40

Fee

USD 11.86

You Send

USD 1,000

Go to Wise

XE Money Transfer

Recipient Gets

61,539.2PHP

vs top

-3,360.8

Rate

61.54

Fee

FREE

You Send

USD 1,000

Go to XE Money Transfer

Western Union

Recipient Gets

60,647.9PHP

vs top

-4,252.1

Rate

60.65

Fee

USD 31.99

You Send

USD 1,000

Go to Western Union

OFX

Recipient Gets

59,701.2PHP

vs top

-5,198.8

Rate

59.70

Fee

FREE

You Send

USD 1,000

Go to OFX

Provider	Exchange Rate	Fee	You Send	Recipient Gets	Action
Unplex Best New User rate Best Standard rate	64.90 62.40	USD 2.99 USD 2.99	USD 1,000	64,900 PHP 62,400 PHP	Go to Unplex
2 Remitly New User rate	64.04 60.48	FREE FREE	USD 1,000	64,040 PHP 60,480 PHP 860 less	Go to Remitly
3 Ria Money Transfer New User rate	62.86 61.38	FREE USD 1.90	USD 1,000	62,856.48 PHP 61,382.1 PHP 2,043.52 less	Go to Ria Money Transfer
4 Paysend	62.40	USD 5.66	USD 1,000	62,396.4 PHP 2,503.6 less	Go to Paysend
5 Sendwave	62.02	FREE	USD 1,000	62,024.16 PHP 2,875.84 less	Go to Sendwave
6 Panda Remit	62.01	FREE	USD 1,000	62,008.9 PHP 2,891.1 less	Go to Panda Remit
7 WorldRemit New User rate	61.95 61.36	FREE FREE	USD 1,000	61,949 PHP 61,356.5 PHP 2,951 less	Go to WorldRemit
8 CurrencyFair	62.02	USD 1.29	USD 1,000	61,935 PHP 2,965 less	Go to CurrencyFair
9 Taptap Send	61.70	FREE	USD 1,000	61,700 PHP 3,200 less	Go to Taptap Send
10 Wise	62.40	USD 11.86	USD 1,000	61,659.15 PHP 3,240.85 less	Go to Wise
11 XE Money Transfer	61.54	FREE	USD 1,000	61,539.2 PHP 3,360.8 less	Go to XE Money Transfer
12 Western Union	60.65	USD 31.99	USD 1,000	60,647.9 PHP 4,252.1 less	Go to Western Union
13 OFX	59.70	FREE	USD 1,000	59,701.2 PHP 5,198.8 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

$1,004.53

You send (USD)

Remitly

$1,014.99

You send (USD)

Ria Money Transfer

$1,034.10

You send (USD)

Paysend

$1,047.39

You send (USD)

Sendwave

$1,047.98

You send (USD)

Panda Remit

$1,048.24

You send (USD)

WorldRemit

$1,049.25

You send (USD)

CurrencyFair

$1,049.42

You send (USD)

Taptap Send

$1,053.48

You send (USD)

Wise

$1,053.54

You send (USD)

XE Money Transfer

$1,056.24

You send (USD)

OFX

$1,088.76

You send (USD)

Western Union

$1,103.75

You send (USD)

Save $99.22 by choosing Unplex over Western Union

How to Send Money from USD to PHP

1. Compare Current Options

Use the comparison above to review providers that returned a usable USD to PHP estimate. Enter your exact amount because eligibility, fees, and recipient amounts can change with transfer size.

2. Choose Your Provider

Compare the final recipient amount, fees, payout method, eligibility, and delivery estimate. Provider support and promotion eligibility vary, so confirm the complete quote at checkout.

3. Sign Up & Verify

Create an account with your chosen provider. It may request government-issued ID or supporting information. Verification requirements and timing vary by provider, customer, transfer, and destination.

4. Send Money

Enter recipient details and choose a funding method offered for the exact route. Fees, limits, payout availability, and delivery estimates can change by provider and method, so confirm them at checkout.

Market Analysis: USD/PHP Exchange Rate

The USD to PHP customer rate can reflect currency-market conditions as well as each provider's exchange-rate margin, fee, funding cost, payout pricing, and execution timing. Compare the final recipient estimate returned for your amount, then confirm the complete quote at checkout.

Understanding USD to PHP Transfers

Route context

The USD/PHP corridor is one of the most important remittance routes globally, driven by the large Filipino diaspora in the United States. The Philippines received over $37 billion in remittances in 2024, with the US being the single largest source. The exchange rate is influenced by Bangko Sentral ng Pilipinas (BSP) monetary policy, US Federal Reserve decisions, and Overseas Filipino Worker (OFW) remittance flows. Rates tend to strengthen around Christmas and holiday seasons when OFW remittances peak.

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.

What Affects USD to PHP Transfer Timing?

Payment Method	What to Verify	Timing Factors
Debit Card	Card availability and provider fees	Issuer authorisation and provider processing
Credit Card	Provider support and issuer charges	Issuer authorisation, checks, and payout method
Bank Transfer	Bank details, cut-off times, and total fees	Bank clearing, weekends, and recipient-bank processing
First-time Transfer	Identity and source-of-funds requirements	Verification can add time before the provider releases the transfer

Delivery estimates vary by provider, funding method, payout method, checks, and destination. Confirm the estimate shown for your transfer before sending to Philippines.

Safety & Regulation for USD to PHP Transfers

Regulatory Compliance

A provider can serve different countries through different legal entities and licences. Verify the entity named at checkout, its regulator reference, and the protections that apply to your transfer before sending.

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

Complaint, cancellation, refund, and safeguarding arrangements vary by provider and jurisdiction. Keep transfer records, follow the provider's complaint process, and contact the relevant regulator or dispute-resolution service where one applies.

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

News: USD/JPY Price Forecast: US Dollar keeps crawling towards the key 160.00 area

FXStreet

7 minutes ago

USD/JPY Price Forecast: US Dollar keeps crawling towards the key 160.00 area

The Japanese Yen (JPY) pares some losses on Monday’s European session, as the US Dollar (USD) pulls back against its main peers, with the dust from the Jackson Hole meeting settling.

News: Euro: Downside risk remains in focus against US Dollar – UOB

FXStreet

9 minutes ago

Euro: Downside risk remains in focus against US Dollar – UOB

United Overseas Bank’s (UOB) Quek Ser Leang and Lee Sue Ann highlight an unexpectedly sharp EUR/USD drop to 1.1577, with the pair closing weaker at 1.1584. They see scope for further downside but doubts a quick test of 1.1550 due to oversold conditions.

News: Dow Jones futures slip as traders adopt caution amid higher oil prices

FXStreet

12 minutes ago

Dow Jones futures slip as traders adopt caution amid higher oil prices

Dow Jones futures fall by 0.15% to near 53,500 during European hours on Monday. Meanwhile, S&P 500 futures decline by 0.12%, to trade near 7,710, while Nasdaq 100 futures gain by 0.05% to trade around 29,500.

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.

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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.

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.

Was this answer helpful?

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?

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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 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.

Compare All USD to PHP Providers