More pesos delivered home
Filipinos abroad send home more than $35 billion a year, and too much of it disappears into fees and exchange-rate markups that are hard to see and harder to compare. Global comparison sites cover thousands of corridors an inch deep. RisingTide does one thing instead: the Philippines, properly.
We rank every provider by a single honest number — the pesos your family actually receives after the transfer fee, the funding surcharge, and the FX markup. Not the headline rate, not the “zero fee” marketing. The pay-in method matters (a credit card can quietly add 3% or more), the payout method matters (GCash, bank deposit, cash pickup), and small transfers punish fixed fees — so we price every combination at several amounts and show our work, including when a figure is an estimate. The full approach is on our methodology page.
Our thesis
The market. Overseas Filipinos sent a record $38 billion home in 2024, and the United States is the largest source — a corridor worth roughly $14–15 billion a year. Yet the global average cost of sending $200 is still around 6%, double the UN's 3% target (World Bank Remittance Prices Worldwide). The gap between what senders pay and what they could pay is measured in billions of pesos of groceries, tuition, and savings.
The product. RisingTide is a decision engine for that corridor. We normalize every provider's true cost — fixed fee, funding surcharge, FX markup — into one comparable number: PHP delivered. Every quote is timestamped, source-labeled, and stored, which means we are compounding a proprietary dataset of real corridor pricing over time — the kind of price history no single provider will ever publish about itself.
The model. We reach senders at the exact moment of decision and monetize through provider referrals — but rankings are computed, never sold. Like the best comparison businesses, our only durable asset is trust: we never hold money, never collect financial credentials, and disclose every affiliate relationship. Trust earns the traffic; the data flywheel deepens the moat; the corridor playbook repeats.
How we make money
Some provider links are affiliate links: click through and complete a transfer, and the provider may pay us a commission. That funds the site. It never funds the rankings — providers cannot pay to rank higher, and the ranking math doesn't know which links pay.
What we are not
We are not a money transmitter. We never hold your money or your financial details; every transfer happens on the provider's own licensed platform.
Contact
Corrections, provider inquiries, partnership questions, or anything else: zachspam168@gmail.com. If we've got a rate or fee wrong, we especially want to hear about it.