Send money from Canada to Philippines(CAD → PHP)

Remitly, Wise, Instarem, and WorldRemit consistently deliver the most pesos per Canadian dollar on the CAD to PHP corridor. Remitly offers competitive rates with express delivery options and zero-fee promotions for new customers. Instarem, as an Asia-Pacific specialist, often has particularly strong CAD to PHP rates due to regional liquidity relationships. Wise charges the real mid-market rate with a transparent 0.5–0.9% fee. Canadian banks charge C$30–$80 per international wire plus 3–5% exchange rate markups, costing C$60–$130 more than specialist providers on a C$1,000 transfer. Compare the total PHP your recipient receives — rate differences of ₱500–₱1,500 per C$1,000 are common between providers.

Yes — GCash is widely supported for Canadian-to-Philippines transfers. Remitly, WorldRemit, and XE all offer direct GCash wallet top-ups from Canadian accounts. Transfers typically arrive within minutes. GCash has over 94 million registered accounts in the Philippines and is the dominant mobile payments platform, accepted across millions of merchants and billers. For Canadian Filipino families sending remittances, GCash is usually the most convenient option as recipients can use funds immediately without visiting a bank or cash pickup location. Your recipient needs only their GCash-registered mobile number to receive funds. Maya (formerly PayMaya) is available as an alternative wallet with select providers.

Interac e-Transfer is the preferred funding method for most Canadian senders — it is fast (settles within minutes at most banks), free from most Canadian bank accounts, and widely supported by transfer providers. Providers that accept Interac include Remitly, WorldRemit, and others. Debit card funding (Visa or Mastercard) is also fast but typically adds a C$2–$8 card processing fee. Bill payment (through online banking) is available with some providers and may be free but takes 1–2 business days to process. Credit card funding is the most expensive option due to the card issuer's cash advance fees (2–3%) on top of the provider's surcharge — avoid using credit cards for international transfers unless absolutely necessary.

GCash and mobile wallet transfers typically arrive within 1–15 minutes of your provider processing the transaction. Bank deposits to BDO Unibank, BPI (Bank of the Philippine Islands), Metrobank, PNB, or Security Bank generally take 1–2 business days. Cash pickup through Cebuana Lhuillier, M Lhuillier, Western Union, and MoneyGram is usually available within 30 minutes. Interac e-Transfer funding gives your provider same-day receipt, enabling faster overall delivery. ACH or standard bank transfer funding can add 1–2 business days of processing time before the provider dispatches your funds to the Philippines.

Canada does not restrict outbound remittances to the Philippines. FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) requires all money services businesses to report transactions over C$10,000 as part of standard anti-money laundering compliance — this is a reporting requirement, not a barrier to sending. Providers may ask for identity verification and source of funds documentation for larger transfers. On the Philippine side, Bangko Sentral ng Pilipinas (BSP) does not restrict incoming personal remittances. Recipients receiving funds through formal banking channels may need to present valid ID at cash pickup, and larger bank deposits may trigger the receiving bank's own KYC procedures.