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)₱30,872minutes | 1.54%₱30,7363-5 days | — |
| Debit card | 1.30%† (estimated)₱30,810minutes | 1.97%₱30,602in 31 minutes | 2.52%₱30,429minutes |
| Credit card | 5.53%† (estimated)₱29,489minutes | 5.93%₱29,364in 31 minutes | 6.41%† (estimated)₱29,215minutes |
| Wire | — | 11.73%† (estimated)₱27,5542-5 days | — |
| PayPal balance | — | 3.00%† (estimated)₱30,279minutes-hours | — |
GCash payouts
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.
Waiting for a better rate?
Set a free USD→PHP rate alert — we email you when the peso hits your target.
Set a rate alert →
Sending from the United States?
ACH vs card funding, GCash vs cash pickup — our full US → Philippines guide.
Read the guide →