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Send money to Philippines
USD
PHP|Updated recentlyMid-market 61.4191Cheapest todayof 22 providers
Unplex
Rate 63.9188 · Fee $2.99
You send
$1,000
Recipient gets
₱63,728
₱2,800 more than the most expensive provider
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money to Philippines in July 2026 is Unplex, which delivers 63,727.72 PHP on a 1,000 USD transfer with a fee of $2.99 and an exchange rate of 63.9188. According to SendMoneyCompare's comparison of 22 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 2,800 PHP.
Last reviewed: by Awais Imran, Reviews Editor
What is the cheapest way to send USD to PHP?
Sending $1,000 from to Philippines. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 63.9188·Fee $2.99
Rate 62.6966·Fee Free
Rate up 11.3%
↑ 11.3% over 105dAvg: 59.69 PHP (+5.1% vs avg)Range: 56.29–63.10
2
Minutes to 3 days
Rate up 11.3%
↑ 11.3% over 105dAvg: 59.69 PHP (+5.1% vs avg)Range: 56.29–63.10
62.6966
Free
₱62,696.59
Rate 61.4375·Fee $1.00
↓ 0.4% over 45dAvg: 61.18 PHP (+0.4% vs avg)Range: 60.25–61.80
3
61.4375
$1.00
₱61,376.06
Rate 61.3577·Fee Free·0.10% markup
↑ 2.8% over 99dAvg: 60.56 PHP (+1.4% vs avg)Range: 59.71–61.70
4
61.3577
Free
₱61,357.66
Rate 61.3269·Fee Free·0.15% markup
↑ 1.3% over 105dAvg: 59.83 PHP (+0.7% vs avg)Range: 58.45–61.43
5
1-3 business days0.15% markup
↑ 1.3% over 105dAvg: 59.83 PHP (+0.7% vs avg)Range: 58.45–61.43
61.3269
Free
₱61,326.95
Rate 61.3454·Fee $1.99·0.12% markup
↑ 4.3% over 103dAvg: 60.31 PHP (+1.7% vs avg)Range: 58.75–61.48
6
Minutes to 3 days0.12% markup
↑ 4.3% over 103dAvg: 60.31 PHP (+1.7% vs avg)Range: 58.75–61.48
61.3454
$1.99
₱61,223.30
Rate 61.1120·Fee $1.31·0.50% markup
↑ 2.5% over 99dAvg: 60.35 PHP (+1.3% vs avg)Range: 59.65–61.44
7
61.1120
$1.31
₱61,031.92
Rate 61.0014·Fee Free·0.68% markup
↑ 1.7% over 99dAvg: 60.63 PHP (+0.6% vs avg)Range: 59.45–61.50
8
Under 3 minutes (95% of transfers)0.68% markup
↑ 1.7% over 99dAvg: 60.63 PHP (+0.6% vs avg)Range: 59.45–61.50
61.0014
Free
₱61,001.43
Rate 60.9277·Fee Free·0.80% markup
↑ 2.5% over 99dAvg: 60.19 PHP (+1.3% vs avg)Range: 59.47–61.16
9
60.9277
Free
₱60,927.72
Rate 61.4191·Fee $8.26
↑ 2.6% over 105dAvg: 60.87 PHP (+0.9% vs avg)Range: 59.56–61.79
Rate 60.9646·Fee $0.99·0.74% markup
↑ 3.2% over 99dAvg: 59.31 PHP (+1.5% vs avg)Range: 58.36–60.50
11
60.9646
$0.99
₱60,904.22
Rate 60.9891·Fee $2.49·0.70% markup
↑ 2.3% over 99dAvg: 60.28 PHP (+1.2% vs avg)Range: 59.64–61.47
12
60.9891
$2.49
₱60,837.28
Rate 60.8295·Fee $1.90·0.96% markup
Best rate 51 of 105 days
↑ 2.6% over 99dAvg: 60.12 PHP (+1.2% vs avg)Range: 59.26–61.28
13
Minutes to 2 days0.96% markup
Best rate 51 of 105 days
↑ 2.6% over 99dAvg: 60.12 PHP (+1.2% vs avg)Range: 59.26–61.28
60.8295
$1.90
₱60,713.88
Rate 60.7250·Fee $0.99·1.13% markup
↑ 4.2% over 99dAvg: 59.53 PHP (+2.0% vs avg)Range: 58.30–61.00
14
60.7250
$0.99
₱60,664.92
Rate 61.1427·Fee $11.50·0.45% markup
↑ 2.8% over 99dAvg: 60.26 PHP (+1.5% vs avg)Range: 59.48–61.37
15
61.1427
$11.50
₱60,439.55
Rate 59.6809·Fee $1.99·2.83% markup
2.8% markup
↑ 2.7% over 99dAvg: 58.93 PHP (+1.3% vs avg)Range: 58.12–60.03
16
0-4 days2.83% markup
2.8% markup
↑ 2.7% over 99dAvg: 58.93 PHP (+1.3% vs avg)Range: 58.12–60.03
59.6809
$1.99
₱59,562.15
Rate 59.4598·Fee Free·3.19% markup
↑ 2.4% over 105dAvg: 59.26 PHP (+0.2% vs avg)Range: 57.86–60.27
17
Minutes to 3-5 days3.19% markup
↑ 2.4% over 105dAvg: 59.26 PHP (+0.2% vs avg)Range: 57.86–60.27
59.4598
Free
₱59,459.81
Rate 59.4537·Fee Free·3.20% markup
↑ 2.5% over 81dAvg: 58.78 PHP (+1.1% vs avg)Range: 56.58–59.85
18
2-5 business days3.20% markup
↑ 2.5% over 81dAvg: 58.78 PHP (+1.1% vs avg)Range: 56.58–59.85
59.4537
Free
₱59,453.67
Rate 59.4537·Fee Free·3.20% markup
↑ 2.3% over 101dAvg: 58.94 PHP (+0.9% vs avg)Range: 57.70–59.92
19
2-5 business days3.20% markup
↑ 2.3% over 101dAvg: 58.94 PHP (+0.9% vs avg)Range: 57.70–59.92
59.4537
Free
₱59,453.67
Rate 58.9623·Fee $5.00·4.00% markup
Rate 58.8456·Fee $4.99·4.19% markup
↑ 1.5% over 16dAvg: 58.49 PHP (+0.6% vs avg)Range: 57.99–58.84
21
58.8456
$4.99
₱58,551.98
Rate 60.9277·Fee Free·0.80% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient ₱2,800.00 on a $1,000 transfer.
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
The Philippines is one of the world's largest remittance recipients, receiving over $35 billion annually from Overseas Filipino Workers (OFWs) in the US, Saudi Arabia, UAE, Singapore, Hong Kong, Japan, and beyond. GCash — with over 90 million registered users — has transformed how Filipinos receive money, with most transfers now arriving within minutes directly into a digital wallet.
- GCash is the Philippines' leading e-wallet with 90M+ users. Providers including Remitly, WorldRemit, and Western Union support direct GCash delivery — funds arrive within minutes.
- PayMaya (Maya Bank) is the second major wallet and is accepted by several international providers. It also offers a Visa debit card for immediate spending.
- Pera Hub, Palawan Express, and MLhuillier are major cash pickup networks with thousands of locations, important for recipients outside metro areas.
- BSP (Bangko Sentral ng Pilipinas) regulates all remittances and has no cap on inbound personal transfers. All BSP-supervised providers operate officially.
- Popular receiving banks: BDO Unibank, BPI (Bank of the Philippine Islands), Metrobank, LandBank, and Security Bank — all support real-time PESONet and InstaPay credits.
Which provider offers the best USD to PHP rate?
Unplex
4.4Exchange rate
63.9188
Fee
$2.99
Recipient gets
₱63,727.72
Speed
Minutes to 1 business day
Also available · Digital-asset rails
Crypto & stablecoin routes for USD → PHP
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
Binance P2P
Coinbase → Solana (USDC) → Binance P2P (PHP) · ~1 second
61,464 PHP
0.14% all-in
+
Binance P2P
Coinbase → Solana (USDC) → Binance P2P (PHP) · ~1 second
61,464 PHP
0.14% all-in
- 1Coinbase USD→USDC: FREE
- 2Solana network: 0.000250 USDC
- 3Binance P2P (PHP): 0.39177277179236364% spread
- 40.00% withdrawal fee
Also routable via Solana (USDC), Tron (USDT), Polygon (USDC), Arbitrum (USDC).
Source: Binance P2P API
Coins.ph
Coinbase → Stellar (USDC) → Coins.ph (CCXT) · ~5 seconds
61,409 PHP
0.22% all-in
+
Coins.ph
Coinbase → Stellar (USDC) → Coins.ph (CCXT) · ~5 seconds
61,409 PHP
0.22% all-in
- 1Coinbase USD→USDC: FREE
- 2Stellar network: 0.000001 USDC
- 3Coins.ph (CCXT): 0.02% spread
- 410 PHP withdrawal fee
Also routable via Stellar (USDC), Solana (USDC), Tron (USDT), Polygon (USDC).
Source: CCXT (coinsph)
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
How to cash out in Philippines →Guides, fees & how it works
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the to Philippines route.
Cheapest transfer
Unplex
Delivers the most PHP for your money
Fastest transfer
Unplex
Delivers in Minutes to 1 business day
Cash pickup
Xoom (PayPal)
Widest cash pickup network
Bank transfer
Unplex
Best rate for bank deposit to Philippines
How to send money to Philippines
Sending money to Philippinesis straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much USD you want to send, compare providers above, and pick the one offering the best PHP amount for your transfer to Philippines.
Step 2
Add your recipient
Enter your recipient's details in Philippines — you'll need their bank account number. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit typically takes minutes to 1 day.
What you need to send money to Philippines
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full legal name matching their bank account or valid ID
Bank account number
Philippine bank account number (10–12 digits for most banks)
Bank name
Name of the receiving bank (e.g. BDO, BPI, Metrobank, UnionBank)
GCash number
Optional11-digit mobile number linked to GCash wallet (for GCash transfers)
Example: 09171234567
Maya number
OptionalMobile number linked to Maya (formerly PayMaya) wallet
Note: The Philippines does not use IBAN. Bank transfers require the account number and bank name. For mobile wallet transfers, you only need the recipient's registered mobile number.
Transfer examples: USD to PHP
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeReceives
Unplex
63.92 · Minutes to 1 business day
Xoom (PayPal)
62.73 · Minutes to 3 days
Paysend
61.36 · 2 days
InstaReM
61.33 · 1-3 business days
LemFi
61.44 · Minutes to 1 business day
Wise
61.42 · Instant
ProviderFeeRateReceivesSpeed
Unplex$2.9963.92₱31,768Minutes to 1 business day
Xoom (PayPal)Free62.73₱31,367Minutes to 3 days
PaysendFree61.36₱30,6792 days
InstaReMFree61.33₱30,6631-3 business days
LemFi$1.0061.44₱30,657Minutes to 1 business day
Wise$1.6561.42₱30,608Instant
Send $1,000
ProviderFeeReceives
Unplex
63.92 · Minutes to 1 business day
Xoom (PayPal)
62.70 · Minutes to 3 days
LemFi
61.44 · Minutes to 1 business day
Paysend
61.36 · 2 days
InstaReM
61.33 · 1-3 business days
MoneyGram
61.35 · Minutes to 3 days
ProviderFeeRateReceivesSpeed
Unplex$2.9963.92₱63,728Minutes to 1 business day
Xoom (PayPal)Free62.70₱62,697Minutes to 3 days
LemFi$1.0061.44₱61,376Minutes to 1 business day
PaysendFree61.36₱61,3582 days
InstaReMFree61.33₱61,3271-3 business days
MoneyGram$1.9961.35₱61,223Minutes to 3 days
Send $5,000
ProviderFeeReceives
Unplex
63.92 · Minutes to 1 business day
Xoom (PayPal)
62.73 · Minutes to 3 days
LemFi
61.44 · Minutes to 1 business day
Wise
61.42 · Instant
Paysend
61.36 · 2 days
InstaReM
61.33 · 1-3 business days
ProviderFeeRateReceivesSpeed
Unplex$2.9963.92₱319,403Minutes to 1 business day
Xoom (PayPal)Free62.73₱313,667Minutes to 3 days
LemFi$1.0061.44₱307,126Minutes to 1 business day
Wise$1.6561.42₱306,994Instant
PaysendFree61.36₱306,7882 days
InstaReMFree61.33₱306,6351-3 business days
How much does it cost to send money from to Philippines?
Transfer fees to Philippines vary by provider and how you pay. Specialist services charge ₱0–10 per transfer, while banks charge $25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total PHP your recipient receives.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically $0–$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (61.4191).
Ways to send money to Philippines
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
GCash is the dominant mobile wallet in the Philippines and is often the fastest, cheapest way to receive money. Cebuana Lhuillier and M Lhuillier have the widest cash pickup networks, reaching even remote provincial areas.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
How can my recipient receive money in Philippines?
Your recipient in Philippines can receive money through these delivery methods. The best option depends on their location and preferences.
Bank Deposit
Minutes to 1 day
Direct deposit to Philippine bank accounts including BDO, BPI, Metrobank, UnionBank, and Landbank.
WiseRemitlyWorldRemitXoom (PayPal)+1 more
GCash
Minutes
Instant transfer to GCash mobile wallet — the most popular digital wallet in the Philippines with 90M+ registered users.
RemitlyWorldRemitXoom (PayPal)
Maya (PayMaya)
Minutes
Transfer to Maya digital wallet. Popular alternative to GCash, especially for online payments.
RemitlyWorldRemit
Cash Pickup
Minutes
Recipient collects cash from Cebuana Lhuillier, M Lhuillier, or other payout partners — thousands of locations across the Philippines including provincial areas.
Western UnionMoneyGramRemitlyWorldRemit+1 more
Door-to-Door Delivery
1–2 days
Cash delivered to the recipient's home — available in Metro Manila and select provincial areas.
RemitlyWorldRemit
What are the transfer limits and regulations for Philippines?
Important rules and requirements to know before sending money to Philippines.
Regulatory body
Bangko Sentral ng Pilipinas (BSP)
Inbound transfer limits
No restriction on incoming remittances — the Philippines actively encourages OFW (Overseas Filipino Worker) remittances
Documentation you may need
- Government-issued photo ID (passport, driver's license, or state ID)
- Social Security Number or equivalent tax ID
- Reference number or MTCN (for cash pickup)
Important things to know
- The Philippines is one of the world's top remittance-receiving countries — the BSP has created a supportive regulatory environment for inbound transfers.
- Cash pickups over PHP 500,000 may require additional ID from the recipient.
- GCash wallet limits: PHP 100,000 for basic accounts, PHP 500,000 for fully verified accounts.
- OFW (Overseas Filipino Worker) remittances are exempt from documentary stamp tax.
How long does it take to send money to Philippines?
Most transfers to Philippines arrive within 1–2 business days with specialist providers. Mobile wallet and cash pickup options are often available within minutes. Bank deposits typically take 1–3 business days.
FastExpress delivery
- UnplexMinutes to 1 business day
- Xoom (PayPal)Minutes to 3 days
- LemFiMinutes to 1 business day
- MoneyGramMinutes to 3 days
- TapTap SendUnder 3 minutes (95% of transfers)
Standard delivery
- Paysend2 days
- InstaReM1-3 business days
- CurrencyFair0-6 days
- XE Money Transfer0-3 days
- Wise5h 55m
Popular banks in Philippines
These are the most commonly used banks for receiving international transfers in Philippines.
BankSWIFT/BICNotes
BDO Unibank
ABORPHPHXXX
Bank of the Philippine Islands (BPI)
BABORPHPHXXX
Metrobank
MABORPHPHXXX
UnionBank
UBPHPHMMXXX
Landbank of the Philippines
TLBPPHPHXXX
Philippine National Bank (PNB)
PNBMPHPHXXX
USD to PHP Exchange Rate History
Daily best exchange rates from top providers over the last 105 days. Rates shown are for sending $100.
| Date | Xoom (PayPal) | InstaReM | Remitly | Wise | __mid Market__ |
|---|---|---|---|---|---|
| Trend | |||||
| Jul 4 | 62.7345✓ | 60.2499 | 59.3919 | 61.4167 | 61.4400 |
| Jul 3 | 62.7782✓ | 60.2499 | 59.3919 | 61.4167 | 61.4400 |
| Jul 2 | 62.9529✓ | 60.4955 | 59.6568 | 61.6414 | 61.5916 |
| Jul 1 | 62.9559✓ | 60.2351 | 59.3781 | 61.3495 | 60.2351 |
| Jun 30 | 62.6463✓ | 60.0726 | 59.1849 | 61.1683 | 60.0726 |
| Jun 29 | 62.5904✓ | 60.1495 | 59.3600 | 61.2953 | 60.1495 |
| Jun 28 | 62.6037✓ | 60.1495 | 59.3600 | 61.2953 | 60.1495 |
| Jun 27 | 62.6037✓ | 60.1495 | 59.3700 | 61.2953 | 60.1495 |
| Jun 26 | 62.6124✓ | 60.1663 | 59.3605 | 61.3271 | 60.1663 |
| Jun 25 | 62.6295✓ | 59.8156 | 59.1383 | 61.3203 | 59.8156 |
| Jun 24 | 62.8862✓ | 60.1105 | 59.1938 | 61.2878 | 60.1105 |
| Jun 23 | 62.6346✓ | 59.9119 | 59.0908 | 61.1028 | 59.9119 |
| Jun 22 | 62.2530✓ | 59.6479 | 58.8630 | 60.7200 | 59.6479 |
| Jun 21 | 62.0509✓ | 59.5750 | 58.7600 | 60.6871 | 59.5750 |
| Jun 20 | 62.0509✓ | 59.5750 | 58.7600 | 60.6871 | 59.5750 |
| Jun 19 | 61.9907✓ | 59.4780 | 58.7161 | 60.6431 | 59.4780 |
| Jun 18 | 61.8762✓ | 59.3709 | 58.5709 | 60.4415 | 59.3709 |
| Jun 17 | 61.5932✓ | 59.3711 | 58.8110 | 60.5240 | 60.8000 |
| Jun 16 | 61.6903✓ | 59.3711 | 58.8110 | 60.5240 | 60.8000 |
| Jun 15 | 61.9171✓ | 59.3711 | 58.8110 | 60.5240 | 60.9396 |
| Jun 14 | 62.0402✓ | 59.5652 | 58.7474 | 60.7157 | 61.1383 |
| Jun 13 | 62.0402✓ | 59.5652 | 58.7474 | 60.7157 | 61.1383 |
| Jun 12 | 62.4149✓ | 59.5652 | 58.7474 | 60.7157 | 61.1383 |
| Jun 11 | 62.6548✓ | 60.3647 | 59.7354 | 61.5175 | 61.2457 |
| Jun 10 | 62.8231✓ | 60.3647 | 59.7354 | 61.5175 | 60.3647 |
| Jun 9 | 62.9925✓ | 60.5021 | 59.8732 | 61.6538 | 60.5021 |
| Jun 8 | 63.0724✓ | 60.2495 | 59.5411 | 61.5935 | 60.2495 |
| Jun 7 | 63.0962✓ | 60.6090 | 59.9600 | 61.7898 | 61.6469 |
| Jun 6 | 63.0962✓ | 60.6090 | 59.9700 | 61.7898 | 60.6090 |
| Jun 5 | 62.8586✓ | 60.5598 | 59.7594 | 61.5179 | 60.5598 |
| Jun 4 | 62.9199✓ | 60.5230 | 59.9460 | 61.7526 | 61.7600 |
| Jun 3 | 63.0301✓ | 60.5681 | 59.9307 | 61.6762 | 60.5681 |
| Jun 2 | 63.0669✓ | 60.6084 | 59.9166 | 61.7811 | 61.8000 |
| Jun 1 | 63.0809✓ | 61.4266 | 59.7688 | 61.5235 | 61.4266 |
| May 31 | 62.8922✓ | 60.4058 | 59.7600 | 61.5257 | 60.4058 |
| May 30 | 62.8922✓ | 60.4058 | 59.7700 | 61.5257 | 60.4058 |
| May 29 | 62.7691✓ | 60.3625 | 59.7350 | 61.4337 | 61.5500 |
| May 28 | 62.9880✓ | 60.2936 | 59.6755 | 61.4989 | 60.2936 |
| May 27 | 62.9251✓ | 60.4509 | 59.7671 | 61.5746 | 60.4509 |
| May 26 | 62.9026✓ | 60.4132 | 59.6713 | 61.4703 | 60.4132 |
| May 25 | 62.9928✓ | 60.4665 | 59.8110 | 61.5176 | 61.6000 |
| May 24 | 62.9928✓ | 60.4824 | 59.8000 | 61.6109 | 61.6446 |
| May 23 | 62.9928✓ | 60.4824 | 59.8000 | 61.6109 | 61.6446 |
| May 22 | 62.9185✓ | 60.4041 | 59.7585 | 61.5711 | 61.5900 |
| May 21 | 62.9688✓ | 60.4443 | 59.8156 | 61.5996 | 61.6900 |
| May 20 | 63.0258✓ | 60.5525 | 59.8090 | 61.7296 | 60.5525 |
| May 19 | 58.3615 | 60.4829 | 59.8501 | 61.6255✓ | 60.4829 |
| May 18 | 58.3936 | 60.5854 | 60.0148 | 61.6930✓ | 60.5854 |
| May 17 | 58.2621 | 60.4254 | 59.7800 | 61.5855✓ | 60.4254 |
| May 16 | 58.2621 | 60.4254 | 59.7800 | 61.5855✓ | 60.4254 |
| May 15 | 60.7671 | 60.6267 | 59.9858 | 61.7350✓ | 60.6267 |
| May 14 | 60.7671 | 60.3743 | 59.7008 | 61.5420✓ | 60.7868 |
| May 13 | 58.1122 | 60.4539 | 59.8371 | 61.4965✓ | 60.7868 |
| May 12 | 58.0886 | 60.6175 | 59.9533 | 61.4360✓ | 60.7868 |
| May 11 | 57.7225 | 59.8480 | 59.2156 | 61.0000✓ | 60.7868 |
| May 10 | 57.2311 | 59.3914 | 58.7600 | 60.4460 | 60.7868✓ |
| May 9 | 57.2311 | 59.3914 | 58.7600 | 60.4460 | 60.7868✓ |
| May 8 | 57.1876 | 59.5249 | 58.8242 | 60.4865 | 60.7868✓ |
| May 7 | 57.3602 | 59.7046 | 58.8867 | 60.7800 | 60.7868✓ |
| May 6 | 58.0277 | 60.2280 | 59.5935 | 61.3845✓ | 60.7868 |
| May 5 | 58.3483 | 59.5568 | 60.2700 | 61.7265✓ | 60.7868 |
| May 4 | 58.1728 | 60.1622 | 59.5432 | 61.3975✓ | 60.7868 |
| May 3 | 58.0265 | 60.1809 | 59.5400 | 61.3205✓ | 60.7868 |
| May 2 | 58.0265 | 60.1809 | 59.5400 | 61.3205✓ | 60.7868 |
| May 1 | 58.1064 | 60.0479 | 59.4168 | 61.2555✓ | 60.7868 |
| Apr 30 | 58.2275 | 59.5568 | 59.6826 | 61.4490✓ | 60.7868 |
| Apr 29 | 58.2355 | 59.5568 | 59.8332 | 61.4295✓ | 60.7868 |
| Apr 28 | 57.7487 | 59.5568 | 59.0659 | 60.7965✓ | 60.7868 |
| Apr 27 | 57.4280 | 59.5568 | 58.8403 | 60.6400 | 60.7868✓ |
| Apr 26 | 57.4051 | 59.5568 | 58.9400 | 60.6985 | 60.7868✓ |
| Apr 25 | 57.4051 | 59.5568 | 58.9400 | 60.6985 | 60.7868✓ |
| Apr 24 | 57.4443 | 59.5568 | 58.8640 | 60.6960 | 60.7868✓ |
| Apr 23 | 57.1738 | 59.5568 | 58.5875 | 60.4080 | 60.7868✓ |
| Apr 22 | 56.8766 | 59.5568 | 58.2573 | 60.0950 | 60.7868✓ |
| Apr 21 | 56.7080 | 58.8680 | 58.3312 | 59.9725 | 60.7868✓ |
| Apr 20 | 56.7513 | 58.9416 | 58.9112 | 60.0225 | 60.7868✓ |
| Apr 19 | 56.6168 | 58.5421 | 57.9400 | 59.6455 | 60.7868✓ |
| Apr 18 | 56.6168 | 58.5421 | 57.9400 | 59.6455 | 60.7868✓ |
| Apr 17 | 56.7861 | 58.9882 | 58.4885 | 60.0940 | 60.7868✓ |
| Apr 16 | 56.7142 | 58.8906 | 60.2700 | 60.0085 | 60.7868✓ |
| Apr 15 | 56.7210 | 58.6750 | 60.2700 | 59.8200 | 60.7868✓ |
| Apr 14 | 56.5785 | 58.6781 | 60.2700 | 59.8540 | 60.7868✓ |
| Apr 13 | 57.0942 | 59.7346 | 60.2700 | 60.4385 | 60.7868✓ |
| Apr 12 | 56.7130 | 58.8051 | 60.2700 | 59.9070 | 60.7868✓ |
| Apr 11 | 56.7130 | 58.8051 | 60.2700 | 59.9070 | 60.7868✓ |
| Apr 10 | 56.5002 | 58.5997 | 60.2700 | 59.7400 | 60.7868✓ |
| Apr 9 | 56.3888 | 58.4471 | 60.2700 | 59.6055 | 60.7868✓ |
| Apr 8 | 56.3281 | 58.4863 | 60.2700 | 59.5610 | 60.7868✓ |
| Apr 7 | 56.8918 | 58.9779 | 58.3866 | 60.1525 | 60.7868✓ |
| Apr 6 | 57.3001 | 58.9814 | 58.3308 | 60.0510 | 60.7868✓ |
| Apr 5 | 56.9651 | 59.0850 | 58.5332 | 60.3010 | 60.7868✓ |
| Apr 4 | 56.9651 | 59.0850 | 58.5332 | 60.3010 | 60.7868✓ |
| Apr 3 | 57.0223 | 59.8150 | 58.4594 | 60.2250 | 60.7868✓ |
| Apr 2 | 56.9431 | 60.0288 | 58.5870 | 60.3100 | 60.7868✓ |
| Apr 1 | 57.0622 | 59.8856 | 58.5191 | 60.2430 | 60.7868✓ |
| Mar 31 | 57.3252 | 60.1322 | 58.7587 | 60.4990 | 60.7868✓ |
| Mar 30 | 57.4354 | 60.3350 | 58.9581 | 60.7370 | 60.7868✓ |
| Mar 29 | 57.2616 | 60.1123 | 58.6558 | 60.4900 | 60.7868✓ |
| Mar 28 | 57.1627 | 60.0736 | 58.7021 | 60.5060 | 60.7868✓ |
| Mar 18 | 56.2879 | 59.3596 | 57.8553 | 59.5995✓ | 59.5995✓ |
| Mar 17 | 56.3559 | 59.4801 | 58.0262 | 59.7005✓ | 59.7005✓ |
| Mar 16 | 56.6681 | 59.4552 | 57.9259 | 59.7365✓ | 59.7365✓ |
| Mar 15 | 56.5201 | 59.4702 | 58.0100 | 59.8360✓ | 59.8360✓ |
| Mar 14 | 56.5201 | 59.4702 | 58.0100 | 59.8360✓ | 59.8360✓ |
| Mar 13 | 56.3460 | 59.4702 | 58.0100 | 59.8360✓ | 59.8360✓ |
Frequently asked questions
Common questions about sending money from to Philippines
What is the cheapest way to send money to the Philippines?
Wise and Instarem consistently offer the best exchange rates on the USD-to-PHP corridor. Remitly is competitive for smaller amounts and is popular for GCash delivery. For Gulf countries, companies like LuLu Exchange and UAE Exchange often have competitive PHP rates. Always compare total PHP received rather than looking at fees alone — rate markup is the primary cost.
How do I send money directly to GCash?
Remitly, WorldRemit, Western Union, Ria, and several others support direct GCash delivery. You need the recipient's GCash registered Philippine mobile number (+63XXXXXXXXXX format). Choose 'GCash' as the delivery method when prompted. Transfers typically arrive within minutes. Recipients receive an SMS notification and can immediately use the funds for purchases, bills payment, or ATM withdrawal.
What bank details do I need to send money to a Philippine bank?
You need the recipient's account name, account number, and the bank name. For international SWIFT transfers, you also need the bank's SWIFT code (BDO: BNORPHMM, BPI: BOPIPHM1, Metrobank: MBTCPHMM). The Philippines does not use IBAN. For domestic-style transfers, InstaPay and PESONet use account number + bank code without SWIFT.
How long does a money transfer to the Philippines take?
GCash, PayMaya, and cash pickup deliveries typically arrive within minutes. Bank deposits via PESONet settle within a few hours. SWIFT bank-to-bank transfers arrive in 1–2 business days. Express options from most providers allow same-day or next-day delivery for a small premium.
Is there a remittance tax in the Philippines?
No — the Philippines does not levy any tax on inbound personal remittances. OFW remittances are a key economic policy priority and the government has actively removed barriers to official channel flows. GCash cash-outs and ATM withdrawals may incur small service fees (typically ₱15–₱20 per transaction).
What is the maximum amount I can send to the Philippines?
The BSP imposes no cap on inbound personal remittances. Individual providers have their own transaction limits — Wise allows up to $1M per transfer, Remitly up to $30,000 per day with full KYC. For amounts over $10,000, your sending country may require anti-money laundering reporting. Documentary evidence of purpose may be required for large business transfers.
Which providers are best for sending from the US to the Philippines?
Wise (best exchange rate for bank delivery), Remitly (best for GCash, Express delivery), and WorldRemit (good for cash pickup) are the top three for USD-to-PHP. Ria and Western Union are also competitive for cash pickup through Palawan Express and Pera Hub. For Gulf-to-Philippines transfers, LuLu Exchange and Al Ahalia offer competitive rates.
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