RisingTide

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 →GCashBank depositCash pickup
Bank (ACH)1.10%† (estimated)₱61,744minutes1.26%₱61,641by Sep 7, Mon—
Debit card1.30%† (estimated)₱61,620minutes1.88%₱61,259in 7 hours2.03%₱61,165minutes
Credit card5.14%† (estimated)₱59,224minutes5.84%₱58,783in 7 hours5.46%† (estimated)₱59,025minutes
Wire—7.36%† (estimated)₱57,8332-5 days—
PayPal balance—3.00%† (estimated)₱60,558minutes-hours—
cheapestmost expensive (total cost, % of $1,000)† 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

    ₱59,223.50

    delivered on $1,000

    Fee breakdown
    Exchange rate
    61.3073 (mid-market 62.4311)
    FX markup
    1.80%
    Transfer fee
    $33.99
    Total fees
    $33.99

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

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

    ₱59,025.48

    −₱198.02 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 →
  3. Western Union
    Credit card → Cash pickupminutesVerified fees

    ₱58,348.13

    −₱875.37 vs best

    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.

    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.