Send Money to Philippines - Compare Best Rates
Compare 15+ money transfer services to Philippines. Find the best USD to PHP exchange rates, lowest fees, and fastest delivery via Bank Transfer, GCash, Cash Pickup.
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How to Send Money to Philippines in 2026
The Philippines is one of the world's top remittance destinations, with over 10 million Overseas Filipino Workers (OFWs) sending money home. The rise of mobile wallets like GCash has revolutionized how Filipinos receive money from abroad.
Ways to Receive Money in Philippines
GCash Transfer
Send directly to recipient's GCash mobile wallet
Bank Deposit
Direct deposit to BDO, BPI, Metrobank, and other banks
Cash Pickup
Collect at M Lhuillier, Cebuana, LBC, or bank branches
Door-to-Door Delivery
Cash delivered to recipient's home address
Why Compare Money Transfer Rates to Philippines?
With numerous providers competing in the Philippines corridor, rates and fees can vary by 3-5%. GCash transfers have become particularly competitive, with many services offering promotional rates.
Best Money Transfer Services to Philippines
Top providers include Remitly (best for GCash), WorldRemit (multiple options), Western Union (widest reach), and Wise (best rates for bank transfers).
What to Consider When Sending Money to Philippines
Exchange Rate
Compare rates to the mid-market USD/PHP rate. Even 0.5% difference saves $5+ on larger transfers.
Transfer Fees
Fees range from $0 to $10+. Watch for hidden costs in exchange rate margins.
Transfer Speed
Express: Minutes. Standard: 1-2 days.
Security & Regulation
Use licensed services regulated by Bangko Sentral ng Pilipinas (BSP). All RemitAnalyst providers are verified.
Top Money Transfer Services to the Philippines
Compare fees, exchange rates, and transfer speeds from trusted providers
| Provider | Speed | Fees | Highlight | Action |
|---|---|---|---|---|
#1Wise | 1-2 days | Low fees | Best exchange rates | Compare |
#2Remitly | Minutes | From $0 | Fast delivery | Compare |
#3WorldRemit | Minutes to days | Low fees | Many payout options | Compare |
#4Western Union | Minutes | Varies | Global network | Compare |
#5Xoom | Minutes to days | From $0 | PayPal backed | Compare |
#6XE | 1-4 days | No fees | No transfer fees | Compare |
Frequently Asked Questions About Sending Money to the Philippines
Everything you need to know about international money transfers
GCash transfers via Remitly or WorldRemit are extremely popular for their instant delivery and convenience. For larger amounts, bank transfers through Wise offer the best exchange rates. Cash pickup at M Lhuillier or Cebuana Lhuillier is ideal for recipients without bank accounts.
Yes! Many services support direct GCash transfers including Remitly, WorldRemit, and Xoom. Simply enter the recipient's GCash-registered mobile number. Transfers are typically instant and the recipient can use funds immediately or cash out at any GCash partner location.
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