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 → | GCash | Bank deposit | Cash pickup |
|---|---|---|---|
| Bank (ACH) | 1.10%† (estimated)₱31,324minutes | 1.54%† (estimated)₱31,1863-5 days | — |
| Debit card | 1.30%† (estimated)₱31,260minutes | 1.97%₱31,049in 30 minutes | 2.52%† (estimated)₱30,874minutes |
| Credit card | 5.53%† (estimated)₱29,921minutes | 5.93%₱29,794in 30 minutes | 6.41%† (estimated)₱29,642minutes |
| Wire | — | 11.73%† (estimated)₱27,9572-5 days | — |
| PayPal balance | — | 3.00%† (estimated)₱30,722minutes-hours | — |
Debit card funding
Show all combinationsWhy 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.
Mid-market USD → PHP, last 21 days
now 63.4079
Over the past week, the rate averaged highest on Thursday (63.8062 per dollar).
From quotes we recorded every 6 hours. History, not a forecast — rates move for reasons nobody can predict.
This week in USD → PHP
The peso weakened against the dollar this week as the mid-market rate fell from 63.95 to 63.46. Wednesday, October 28th offered the best average rate at 63.98 PHP per USD. No provider fee changes or markup shifts were recorded during the week.
AI recap of our recorded quote history, Nov 2, 2026, 22:28 UTC. Describes the past week — never a prediction.
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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 →