Send money to the Philippines with Intelligent Insight

Providers ranked by PHP actually delivered on a $2,000 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 $2,000. Tap a cell to filter the ranking below.

Pay in ↓ / Payout →	GCash	Bank deposit	Cash pickup
Bank (ACH)	1.10%† (estimated)₱123,489minutes	0.92%₱123,719by Sep 7, Mon	—
Debit card	1.30%† (estimated)₱123,239minutes	—	1.78%₱122,637minutes
Credit card	4.94%† (estimated)₱118,692minutes	—	4.98%† (estimated)₱118,647minutes
Wire	—	5.18%† (estimated)₱118,3912-5 days	—
PayPal balance	—	3.00%† (estimated)₱121,116minutes-hours	—

cheapestmost expensive (total cost, % of $2,000)† estimated from published fee schedules, not a live API quote

Debit card funding

Show all combinations

Receive viaAny payout GCash Bank deposit Cash pickup

ArrivesAny speed Minutes Same day 1+ days

WorldRemitMost ₱ delivered
Debit card → GCashminutesEstimated
₱123,238.99
delivered on $2,000
Fee breakdown
Exchange rate
61.6195 (mid-market 62.4311)
FX markup
1.30%
Transfer fee
$0.00
Total fees
$0.00
Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.
Get this rate →
Remitly
Debit card → GCashminutesVerified fees
₱122,944.19
−₱294.80 vs best
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 →
Western Union
Debit card → GCashminutesVerified fees
₱122,677.49
−₱561.50 vs best
Fee breakdown
Exchange rate
61.3387 (mid-market 62.4311)
FX markup
1.75%
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 →
Remitly
Debit card → Cash pickupminutesVerified fees
₱122,637.45
−₱601.54 vs best
Fee breakdown
Exchange rate
61.4721 (mid-market 62.4311)
FX markup
1.54%
Transfer fee
$4.99
Total fees
$4.99
Computed from the provider's fee schedule, manually verified against their live calculator. Updated Sep 4, 2026, 04:35 UTC.
Get this rate →
WorldRemit
Debit card → Cash pickupminutesEstimated
₱122,370.06
−₱868.93 vs best
Fee breakdown
Exchange rate
61.3073 (mid-market 62.4311)
FX markup
1.80%
Transfer fee
$3.99
Total fees
$3.99
Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.
Get this rate →
Western Union
Debit card → Cash pickupminutesVerified fees
₱120,591.96
−₱2,647.03 vs best
Fee breakdown
Exchange rate
60.6523 (mid-market 62.4311)
FX markup
2.85%
Transfer fee
$11.75
Total fees
$11.75
Computed from the provider's fee schedule, manually verified against their live calculator. Updated Sep 4, 2026, 04:35 UTC.
Get this rate →
Xoom (PayPal)
Debit card → GCashminutesEstimated
₱120,130.55
−₱3,108.44 vs best
Fee breakdown
Exchange rate
60.2460 (mid-market 62.4311)
FX markup
3.50%
Transfer fee
$6.00
Total fees
$6.00
Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.
Get this rate →

GCash payouts: the recipient's wallet must be fully verified (KYC), and GCash caps receipts at about ₱50,000 per transfer and ₱100,000 per month. Sending more, or to an unverified wallet? Choose bank deposit instead.

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?

Set a free USD→PHP rate alert — we email you when the peso hits your target.

Set a rate alert →

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.