Send money to the Philippines with Intelligent Insight
Providers ranked by PHP actually delivered on a $1,000 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 $1,000. Tap a cell to filter the ranking below.
| Pay in ↓ / Payout → | GCash | Bank deposit | Cash pickup |
|---|---|---|---|
| Bank (ACH) | 1.10%† (estimated)₱61,744minutes | 1.26%₱61,641by Sep 7, Mon | — |
| Debit card | 1.30%† (estimated)₱61,620minutes | 1.88%₱61,259in 7 hours | 2.03%₱61,165minutes |
| Credit card | 5.14%† (estimated)₱59,224minutes | 5.84%₱58,783in 7 hours | 5.46%† (estimated)₱59,025minutes |
| Wire | — | 7.36%† (estimated)₱57,8332-5 days | — |
| PayPal balance | — | 3.00%† (estimated)₱60,558minutes-hours | — |
Credit card → Cash pickup
Show all combinations- Xoom (PayPal)Most ₱ deliveredCredit card → Cash pickupminutesEstimated
₱59,025.48
delivered on $1,000
Get this rate →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.
- Western UnionCredit card → Cash pickupminutesVerified fees
₱58,348.13
−₱677.35 vs best
Get this rate →Fee breakdown
- Exchange rate
- 60.6523 (mid-market 62.4311)
- FX markup
- 2.85%
- Transfer fee
- $37.99
- Total fees
- $37.99
Computed from the provider's fee schedule, manually verified against their live calculator. Updated Sep 4, 2026, 04:35 UTC.
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.