RisingTide

Send money to the Philippines with Intelligent Insight

Providers ranked by PHP actually delivered on a $1,000 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 $1,000. Tap a cell to filter the ranking below.

Pay in ↓ / Payout →GCashBank depositCash pickup
Bank (ACH)1.10%† (estimated)₱62,648minutes1.26%₱62,543by Thursday 06:00—
Debit card1.30%† (estimated)₱62,521minutes1.88%₱62,155by Thursday 06:002.03%† (estimated)₱62,060minutes
Credit card5.14%† (estimated)₱60,090minutes5.84%₱59,642by Thursday 06:005.46%† (estimated)₱59,889minutes
Wire—7.36%† (estimated)₱58,6792-5 days—
PayPal balance—3.00%† (estimated)₱61,444minutes-hours—
cheapestmost expensive (total cost, % of $1,000)† estimated from published fee schedules, not a live API quote

Bank account (ACH) funding

Show all combinations
Receive viaAny payoutGCashBank depositCash pickup
ArrivesAny speedMinutesSame day1+ days
  1. WorldRemitMost ₱ delivered
    Bank account (ACH) → GCashminutesEstimated

    ₱62,647.51

    delivered on $1,000

    Fee breakdown
    Exchange rate
    62.6475 (mid-market 63.3443)
    FX markup
    1.10%
    Transfer fee
    $0.00
    Total fees
    $0.00

    Estimated from the provider's published fee schedule, not a live API quote. Updated Nov 4, 2026, 19:46 UTC.

    Get this rate →
  2. Wise
    Bank account (ACH) → Bank depositby Thursday 06:00

    ₱62,542.99

    −₱104.52 vs best

    Fee breakdown
    Exchange rate
    63.3443 (mid-market 63.3443)
    FX markup
    0.00%
    Transfer fee
    $12.65
    Total fees
    $12.65

    Live quote from the provider's API. Updated Nov 4, 2026, 19:46 UTC.

    Get this rate →
  3. Remitly
    Bank account (ACH) → GCash3-5 daysEstimated

    ₱62,371.27

    −₱276.24 vs best

    Fee breakdown
    Exchange rate
    62.3713 (mid-market 63.3443)
    FX markup
    1.54%
    Transfer fee
    $0.00
    Total fees
    $0.00

    Estimated from the provider's published fee schedule, not a live API quote. Updated Nov 4, 2026, 19:46 UTC.

    Get this rate →
  4. Remitly
    Bank account (ACH) → Bank deposit3-5 daysEstimated

    ₱62,371.27

    −₱276.24 vs best

    Fee breakdown
    Exchange rate
    62.3713 (mid-market 63.3443)
    FX markup
    1.54%
    Transfer fee
    $0.00
    Total fees
    $0.00

    Estimated from the provider's published fee schedule, not a live API quote. Updated Nov 4, 2026, 19:46 UTC.

    Get this rate →
  5. Western Union
    Bank account (ACH) → GCash0-4 daysEstimated

    ₱62,235.96

    −₱411.55 vs best

    Fee breakdown
    Exchange rate
    62.2360 (mid-market 63.3443)
    FX markup
    1.75%
    Transfer fee
    $0.00
    Total fees
    $0.00

    Estimated from the provider's published fee schedule, not a live API quote. Updated Nov 4, 2026, 19:46 UTC.

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

    ₱61,205.57

    −₱1,441.94 vs best

    Fee breakdown
    Exchange rate
    61.4440 (mid-market 63.3443)
    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 Nov 4, 2026, 19:46 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.

Mid-market USD → PHP, last 21 days

now 63.4079

63.012763.980010/1910/2611/022026-10-15: 63.0540 PHP per USD2026-10-16: 63.0140 PHP per USD2026-10-17: 63.0418 PHP per USD2026-10-18: 63.0267 PHP per USD2026-10-19: 63.0127 PHP per USD2026-10-20: 63.0954 PHP per USD2026-10-21: 63.3408 PHP per USD2026-10-22: 63.4597 PHP per USD2026-10-23: 63.5748 PHP per USD2026-10-24: 63.6062 PHP per USD2026-10-25: 63.6018 PHP per USD2026-10-26: 63.9289 PHP per USD2026-10-27: 63.9743 PHP per USD2026-10-28: 63.9800 PHP per USD2026-10-29: 63.8062 PHP per USD2026-10-30: 63.6894 PHP per USD2026-10-31: 63.6799 PHP per USD2026-11-01: 63.6891 PHP per USD2026-11-02: 63.4557 PHP per USD2026-11-03: 63.4240 PHP per USD2026-11-04: 63.4079 PHP per USD

Over the past week, the rate averaged highest on Thursday (63.8062 per dollar).

From quotes we recorded every 6 hours. History, not a forecast — rates move for reasons nobody can predict.

This week in USD → PHP

The peso weakened against the dollar this week as the mid-market rate fell from 63.95 to 63.46. Wednesday, October 28th offered the best average rate at 63.98 PHP per USD. No provider fee changes or markup shifts were recorded during the week.

AI recap of our recorded quote history, Nov 2, 2026, 22:28 UTC. Describes the past week — never a prediction.

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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 Nov 4, 2026, 19:46 UTC. “Estimated” rows are computed from published fee schedules, not live provider APIs.