RisingTide

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 →GCashBank depositCash pickup
Bank (ACH)1.10%† (estimated)₱123,489minutes0.92%₱123,719by Sep 7, Mon—
Debit card1.30%† (estimated)₱123,239minutes—1.78%₱122,637minutes
Credit card4.94%† (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

Bank account (ACH) → GCash

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

    ₱123,488.72

    delivered on $2,000

    Fee breakdown
    Exchange rate
    61.7444 (mid-market 62.4311)
    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 Sep 4, 2026, 04:35 UTC.

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

    ₱122,944.19

    −₱544.53 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. Western Union
    Bank account (ACH) → GCash0-4 daysVerified fees

    ₱122,677.49

    −₱811.23 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 →

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.