The Philippines is one of the largest remittance destinations in the world, and providers compete hard on the USD → PHP corridor in particular. That competition means real savings are available — if you compare the right way.
Compare by pesos received
The advertised PHP rate is only part of the cost. Providers differ on both the exchange-rate margin and the fee, so rank them by how many pesos actually arrive after everything. That is exactly what the comparison tool does. Start here:
- USD → PHP — the most common corridor
Sending from elsewhere? Pick your source currency on the home page and choose PHP as the destination.
Choose the payout your recipient wants
The Philippines has excellent payout coverage, and the method affects cost and speed:
- Bank deposit — usually the cheapest; same-day to ~2 days.
- Cash pickup — collected at thousands of agent locations; minutes; ideal for the unbanked.
- E-wallets (GCash, Maya) — credited in minutes; hugely popular for smaller, frequent transfers.
See payout methods explained for the trade-offs, and always compare using the method your recipient will actually use — the same provider may price each differently.
Amount and timing tips
- On small transfers, a flat fee dominates; on larger ones, the exchange-rate margin matters more — enter your real amount.
- If it is not urgent, a bank-funded transfer is usually cheaper than card funding. See how long transfers take.
- The best provider changes over time and by amount, so re-check before each send.
A quick safety note
For cash pickup, keep the reference number private and share it only with your recipient. Be cautious of anyone who unexpectedly asks you to send money or hand over a transfer reference.
Ready? Run a live USD → PHP comparison on the home page and send wherever your recipient receives the most.
Frequently asked questions
What is the cheapest way to send money to the Philippines?
Compare providers by the pesos that actually arrive after fees for your amount and payout method. Bank deposit is usually cheapest; cash pickup and e-wallets trade a small premium for speed and convenience. Check live for USD → PHP and re-check each time.
Can I send money straight to GCash or Maya?
Yes — many providers pay out directly to popular Philippine e-wallets such as GCash and Maya, often within minutes. Confirm the provider supports your recipient's specific wallet before sending.
How fast does money reach the Philippines?
Cash pickup and e-wallet payouts are often within minutes; bank deposits typically land same-day to a couple of business days depending on the bank and funding method.
Ready to send? Compare live rates across 160+ currencies →