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Send money from United States to Philippines (USD → PHP)
USD
PHP|Mid-market rate: 59.7402The Philippines is among the top remittance-receiving countries in the world, with the US as its largest source. Over 4 million Filipino-Americans send money home regularly — making this one of the most competitive corridors.
Competition between providers on the USD to PHP route is fierce, which benefits senders. Exchange rate markups can be as low as 0.3% with the best providers, compared to 3–5% at banks. For a $1,000 transfer, choosing the right provider can mean 1,500–2,500 extra pesos for your recipient.
Compare providers: USD to PHP
Sending $1,000 from United States to Philippines. Sorted by best value — most money received.
#ProviderRateFeeRecipient gets
1
Panda RemitBest value
Instant
60.7079
$2.99
₱60,526.42
2
Western Union
Minutes
59.7402
Free
₱59,740.15
3
WorldRemit
Minutes to 3 days
59.7402
Free
₱59,740.15
4
Remitly
BANK_DEPOSIT
59.7402
Free
₱59,740.15
5
Ria Money Transfer
1-3 business days
59.7402
Free
₱59,740.15
6
XE
1-4 business days
59.7402
Free
₱59,740.15
7
InstaReM
1-3 business days0.15% markup
59.6505
Free
₱59,650.54
8
Paysend
2 days0.22% markup
59.6087
Free
₱59,608.72
9
TorFX
1-3 business days0.60% markup
59.3817
Free
₱59,381.71
10
ACE Money Transfer
Minutes to 2 days0.60% markup
59.3817
$2.99
₱59,204.16
11
MoneyGram
0-1 days0.45% markup
59.4713
$8.00
₱58,995.55
12
Wise
1-2 business days
59.7402
$12.94
₱58,967.11
13
CurrencyFair
0-6 days1.19% markup
59.0292
$1.36
₱58,948.96
14
TapTap Send
Instant1.57% markup
58.8022
Free
₱58,802.23
15
Revolut
2-3 days0.55% markup
59.4116
$11.50
₱58,728.35
16
BOSS Money
Instant1.66% markup
58.7485
$2.49
₱58,602.18
17
Sendwave
Instant2.49% markup
58.2526
Free
₱58,252.62
18
Wells Fargo
1-3 business days2.92% markup
57.9957
Free
₱57,995.74
19
Xoom (PayPal)
2 days3.05% markup
57.9181
Free
₱57,918.08
20
PayPal
Instant to 3 days3.50% markup
57.6492
$2.99
₱57,476.87
21
OFX
2 days4.00% markup
57.3505
$5.00
₱57,063.79
22
Bank of America
1 day2.92% markup
57.9957
$20.00
₱56,835.82
Potential savings: Choosing the best provider over the most expensive saves your recipient ₱3,690.60 on a $1,000 transfer.
Best provider for USD to PHP right now
Panda Remit
3.5Exchange rate
60.7079
Fee
$2.99
Recipient gets
₱60,526.42
Speed
Instant
Best provider for each transfer type
Different providers excel at different things. Here's who's best for each use case on the United States to Philippines route.
💰
Cheapest transfer
Panda Remit
Delivers the most PHP for your money
⚡
Fastest transfer
Panda Remit
Delivers in Instant
🏪
Cash pickup
Western Union
Widest cash pickup network
🏦
Bank transfer
Western Union
Best rate for bank deposit to Philippines
Transfer examples: USD to PHP
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeRateReceivesSpeed
Panda Remit$2.9960.71₱30,172Instant
Western UnionFree59.74₱29,870Minutes
WorldRemitFree59.74₱29,870Minutes to 3 days
RemitlyFree59.74₱29,870BANK_DEPOSIT
Ria Money TransferFree59.74₱29,8701-3 business days
InstaReMFree59.65₱29,8251-3 business days
Send $1,000
ProviderFeeRateReceivesSpeed
Panda Remit$2.9960.71₱60,526Instant
Western UnionFree59.74₱59,740Minutes
WorldRemitFree59.74₱59,740Minutes to 3 days
RemitlyFree59.74₱59,740BANK_DEPOSIT
Ria Money TransferFree59.74₱59,7401-3 business days
XEFree59.74₱59,7401-4 business days
Send $5,000
ProviderFeeRateReceivesSpeed
Western UnionFree59.74₱298,701Minutes
WorldRemitFree59.74₱298,701Minutes to 3 days
RemitlyFree59.74₱298,701BANK_DEPOSIT
Ria Money TransferFree59.74₱298,7011-3 business days
XEFree59.74₱298,7011-4 business days
PaysendFree59.61₱298,0442 days
Fees for sending money from United States to Philippines
Many providers offer free or near-free transfers on this corridor due to high competition. Remitly, WorldRemit, and Wise all offer low-fee options. Credit card funding typically costs more ($3–$10) compared to bank transfer or debit card funding.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically $0–$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (59.7402).
How long does it take to send money to Philippines?
Bank deposits to major Philippine banks (BDO, BPI, Metrobank) typically arrive within minutes to 1 business day. Cash pickup is available through thousands of locations including Cebuana Lhuillier and M Lhuillier outlets. GCash transfers are often instant.
FastExpress delivery
- Panda RemitInstant
- Western UnionMinutes
- WorldRemitMinutes to 3 days
- ACE Money TransferMinutes to 2 days
- TapTap SendInstant
Standard delivery
- RemitlyBANK_DEPOSIT
- Ria Money Transfer1-3 business days
- XE1-4 business days
- InstaReM1-3 business days
- Paysend2 days
Frequently asked questions: United States to Philippines transfers
What is the cheapest way to send money from the US to the Philippines?
Remitly and Wise consistently offer the best total value for USD to PHP transfers. Remitly often has special 'express' rates for first-time users. Wise charges a small transparent fee with the mid-market exchange rate.
Can I send money to GCash from the United States?
Yes, several providers including Remitly and WorldRemit support direct transfers to GCash wallets in the Philippines. This is one of the fastest delivery methods available.
How long does a money transfer to the Philippines take?
Express transfers to major banks and GCash can arrive within minutes. Standard bank deposits take 1–2 business days. Cash pickup at Cebuana Lhuillier or M Lhuillier outlets is typically available within minutes.
What is the maximum I can send to the Philippines?
Most providers allow $2,500–$25,000 per transaction. Higher limits are available after full identity verification. The Philippines does not restrict incoming remittances, though amounts over PHP 500,000 may require additional documentation from the receiving bank.
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