RisingTide

Send money to the Philippines with Intelligent Insight

Providers ranked by PHP actually delivered on a $500 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 $500. Tap a cell to filter the ranking below.

Pay in ↓ / Payout →GCashBank depositCash pickup
Bank (ACH)1.10%† (estimated)₱30,872minutes1.54%₱30,7363-5 days—
Debit card1.30%† (estimated)₱30,810minutes1.97%₱30,602in 31 minutes2.52%₱30,429minutes
Credit card5.53%† (estimated)₱29,489minutes5.93%₱29,364in 31 minutes6.41%† (estimated)₱29,215minutes
Wire—11.73%† (estimated)₱27,5542-5 days—
PayPal balance—3.00%† (estimated)₱30,279minutes-hours—
cheapestmost expensive (total cost, % of $500)† estimated from published fee schedules, not a live API quote

Credit card funding

Show all combinations
Receive viaAny payoutGCashBank depositCash pickup
ArrivesAny speedMinutesSame day1+ days
  1. RemitlyMost ₱ delivered
    Credit card → GCashminutesEstimated

    ₱29,489.44

    delivered on $500

    Fee breakdown
    Exchange rate
    61.3073 (mid-market 62.4311)
    FX markup
    1.80%
    Transfer fee
    $18.99
    Total fees
    $18.99

    Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.

    Get this rate →
  2. Wise
    Credit card → Bank depositin 31 minutes

    ₱29,364.47

    −₱124.97 vs best

    Fee breakdown
    Exchange rate
    62.4311 (mid-market 62.4311)
    FX markup
    0.00%
    Transfer fee
    $9.81
    Funding surcharge
    $19.84
    Total fees
    $29.65

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

    Get this rate →
  3. Xoom (PayPal)
    Credit card → Cash pickupminutesEstimated

    ₱29,214.63

    −₱274.81 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.

    Get this rate →
  4. Western Union
    Credit card → Cash pickupminutesVerified fees

    ₱29,045.18

    −₱444.26 vs best

    Fee breakdown
    Exchange rate
    60.6523 (mid-market 62.4311)
    FX markup
    2.85%
    Transfer fee
    $21.12
    Total fees
    $21.12

    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.

Waiting for a better rate?

Set a free USD→PHP rate alert — we email you when the peso hits your target.

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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.