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)₱61,744minutes1.26%₱61,641by Sep 7, Mon—
Debit card1.30%† (estimated)₱61,620minutes1.88%₱61,259in 7 hours2.03%₱61,165minutes
Credit card5.14%† (estimated)₱59,224minutes5.84%₱58,783in 7 hours5.46%† (estimated)₱59,025minutes
Wire—7.36%† (estimated)₱57,8332-5 days—
PayPal balance—3.00%† (estimated)₱60,558minutes-hours—
cheapestmost expensive (total cost, % of $1,000)† estimated from published fee schedules, not a live API quote

All providers

Receive viaAny payoutGCashBank depositCash pickup
ArrivesAny speedMinutesSame day1+ days
  1. WiseMost ₱ delivered
    Bank account (ACH) → Bank depositby Sep 7, Mon

    ₱61,641.35

    delivered on $1,000

    Fee breakdown
    Exchange rate
    62.4311 (mid-market 62.4311)
    FX markup
    0.00%
    Transfer fee
    $12.65
    Total fees
    $12.65

    Live quote from the provider's API. Updated Sep 4, 2026, 04:35 UTC.

    Get this rate →
  2. Remitly
    Bank account (ACH) → GCash3-5 daysVerified fees

    ₱61,472.10

    −₱169.25 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 →
  3. Remitly
    Bank account (ACH) → Bank deposit3-5 daysVerified fees

    ₱61,472.10

    −₱169.25 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 →
  4. Western Union
    Bank account (ACH) → GCash0-4 daysVerified fees

    ₱61,338.74

    −₱302.61 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 →
  5. Xoom (PayPal)
    Bank account (ACH) → Bank deposit1-3 daysEstimated

    ₱60,323.20

    −₱1,318.15 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 →
  6. Typical bank wire
    Wire → Bank deposit2-5 daysEstimated

    ₱57,833.05

    −₱3,808.30 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.

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.

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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.