RisingTide

Send money to the Philippines with Intelligent Insight

Providers ranked by PHP actually delivered on a $200 transfer — after fees and FX markup, not headline rates. Quotes are timestamped; rates are indicative.

  • We never hold your money
  • Providers can't pay to rank higher
  • Every quote timestamped

Cost at a glance

Best total cost for each funding → payout combination on $200. Tap a cell to filter the ranking below.

Pay in ↓ / Payout →GCashBank depositCash pickup
Bank (ACH)1.10%† (estimated)₱12,349minutes1.54%₱12,2943-5 days—
Debit card1.30%† (estimated)₱12,324minutes2.23%₱12,207in 31 minutes3.76%† (estimated)₱12,017minutes
Credit card6.71%† (estimated)₱11,649minutes6.19%₱11,713in 31 minutes8.19%₱11,464minutes
Wire—24.82%† (estimated)₱9,3872-5 days—
PayPal balance—3.00%† (estimated)₱12,112minutes-hours—
cheapestmost expensive (total cost, % of $200)† estimated from published fee schedules, not a live API quote

Bank deposit payouts

Show all combinations
Receive viaAny payoutGCashBank depositCash pickup
ArrivesAny speedMinutesSame day1+ days
  1. RemitlyMost ₱ delivered
    Bank account (ACH) → Bank deposit3-5 daysVerified fees

    ₱12,294.42

    delivered on $200

    Fee breakdown
    Exchange rate
    61.4721 (mid-market 62.4311)
    FX markup
    1.54%
    Transfer fee
    $0.00
    Total fees
    $0.00

    Computed from the provider's fee schedule, manually verified against their live calculator. Updated Sep 4, 2026, 04:35 UTC.

    Get this rate →
  2. Xoom (PayPal)
    Bank account (ACH) → Bank deposit1-3 daysEstimated

    ₱11,876.67

    −₱417.75 vs best

    Fee breakdown
    Exchange rate
    60.5582 (mid-market 62.4311)
    FX markup
    3.00%
    Transfer fee
    $3.88
    Total fees
    $3.88

    Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.

    Get this rate →
  3. Typical bank wire
    Wire → Bank deposit2-5 daysEstimated

    ₱9,386.52

    −₱2,907.90 vs best

    Fee breakdown
    Exchange rate
    60.5582 (mid-market 62.4311)
    FX markup
    3.00%
    Transfer fee
    $45.00
    Total fees
    $45.00

    Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.

Why senders trust RisingTide

Intelligent decisions

Ranked by pesos delivered

We add up every cost — transfer fee, funding surcharge, FX markup — and rank providers by the PHP that actually lands. Providers can't pay to rank higher.

Educated transparency

See the math, not just the winner

Every quote is timestamped and labeled: live API rate, verified fee schedule, or estimate. Tap any provider to see exactly where your money goes.

User-defined optionality

Built around your transfer

Filter by amount, payout — GCash, bank deposit, cash pickup — speed, and funding method. The best provider for $200 to GCash isn't the best for $2,000 to BDO.

Waiting for a better rate?

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Sending from the United States?

ACH vs card funding, GCash vs cash pickup — our full US → Philippines guide.

Read the guide →

Quotes as of Sep 4, 2026, 04:35 UTC. “Estimated” rows are computed from published fee schedules, not live provider APIs.