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.

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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 →	GCash	Bank deposit	Cash pickup
Bank (ACH)	1.10%† (estimated)₱123,489minutes	0.92%₱123,719by Sep 7, Mon	—
Debit card	1.30%† (estimated)₱123,239minutes	—	1.78%₱122,637minutes
Credit card	4.94%† (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

Cash pickup payouts

Show all combinations

Receive viaAny payout GCash Bank deposit Cash pickup

ArrivesAny speed Minutes Same day 1+ days

RemitlyMost ₱ delivered
Debit card → Cash pickupminutesVerified fees
₱122,637.45
delivered on $2,000
Fee breakdown
Exchange rate
61.4721 (mid-market 62.4311)
FX markup
1.54%
Transfer fee
$4.99
Total fees
$4.99
Computed from the provider's fee schedule, manually verified against their live calculator. Updated Sep 4, 2026, 04:35 UTC.
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WorldRemit
Debit card → Cash pickupminutesEstimated
₱122,370.06
−₱267.39 vs best
Fee breakdown
Exchange rate
61.3073 (mid-market 62.4311)
FX markup
1.80%
Transfer fee
$3.99
Total fees
$3.99
Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.
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Western Union
Debit card → Cash pickupminutesVerified fees
₱120,591.96
−₱2,045.49 vs best
Fee breakdown
Exchange rate
60.6523 (mid-market 62.4311)
FX markup
2.85%
Transfer fee
$11.75
Total fees
$11.75
Computed from the provider's fee schedule, manually verified against their live calculator. Updated Sep 4, 2026, 04:35 UTC.
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Xoom (PayPal)
Credit card → Cash pickupminutesEstimated
₱118,647.18
−₱3,990.27 vs best
Fee breakdown
Exchange rate
59.6217 (mid-market 62.4311)
FX markup
4.50%
Transfer fee
$10.00
Total fees
$10.00
Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.
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Western Union
Credit card → Cash pickupminutesVerified fees
₱116,953.43
−₱5,684.02 vs best
Fee breakdown
Exchange rate
60.6523 (mid-market 62.4311)
FX markup
2.85%
Transfer fee
$71.74
Total fees
$71.74
Computed from the provider's fee schedule, manually verified against their live calculator. Updated Sep 4, 2026, 04:35 UTC.
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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.

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Quotes as of Sep 4, 2026, 04:35 UTC. “Estimated” rows are computed from published fee schedules, not live provider APIs.