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 | — |
PayPal balance → GCash
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?
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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 →