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	—

cheapestmost expensive (total cost, % of $1,000)† estimated from published fee schedules, not a live API quote

All providers

Receive viaAny payout GCash Bank deposit Cash pickup

ArrivesAny speed Minutes Same day 1+ days

WorldRemitMost ₱ delivered
Bank account (ACH) → GCashminutesEstimated
₱61,744.36
delivered on $1,000
Fee breakdown
Exchange rate
61.7444 (mid-market 62.4311)
FX markup
1.10%
Transfer fee
$0.00
Total fees
$0.00
Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.
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WorldRemit
Debit card → GCashminutesEstimated
₱61,619.50
−₱124.86 vs best
Fee breakdown
Exchange rate
61.6195 (mid-market 62.4311)
FX markup
1.30%
Transfer fee
$0.00
Total fees
$0.00
Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.
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Remitly
Debit card → GCashminutesVerified fees
₱61,472.10
−₱272.26 vs best
Fee breakdown
Exchange rate
61.4721 (mid-market 62.4311)
FX markup
1.54%
Transfer fee
$0.00
Total fees
$0.00
Computed from the provider's fee schedule, manually verified against their live calculator. Updated Sep 4, 2026, 04:35 UTC.
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Western Union
Debit card → GCashminutesVerified fees
₱61,338.74
−₱405.62 vs best
Fee breakdown
Exchange rate
61.3387 (mid-market 62.4311)
FX markup
1.75%
Transfer fee
$0.00
Total fees
$0.00
Computed from the provider's fee schedule, manually verified against their live calculator. Updated Sep 4, 2026, 04:35 UTC.
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Remitly
Debit card → Cash pickupminutesVerified fees
₱61,165.35
−₱579.01 vs best
Fee breakdown
Exchange rate
61.4721 (mid-market 62.4311)
FX markup
1.54%
Transfer fee
$4.99
Total fees
$4.99
Computed from the provider's fee schedule, manually verified against their live calculator. Updated Sep 4, 2026, 04:35 UTC.
Get this rate →
WorldRemit
Debit card → Cash pickupminutesEstimated
₱61,062.72
−₱681.64 vs best
Fee breakdown
Exchange rate
61.3073 (mid-market 62.4311)
FX markup
1.80%
Transfer fee
$3.99
Total fees
$3.99
Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.
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Western Union
Debit card → Cash pickupminutesVerified fees
₱60,167.09
−₱1,577.27 vs best
Fee breakdown
Exchange rate
60.6523 (mid-market 62.4311)
FX markup
2.85%
Transfer fee
$8.00
Total fees
$8.00
Computed from the provider's fee schedule, manually verified against their live calculator. Updated Sep 4, 2026, 04:35 UTC.
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Xoom (PayPal)
Debit card → GCashminutesEstimated
₱59,884.54
−₱1,859.82 vs best
Fee breakdown
Exchange rate
60.2460 (mid-market 62.4311)
FX markup
3.50%
Transfer fee
$6.00
Total fees
$6.00
Estimated from the provider's published fee schedule, not a live API quote. Updated Sep 4, 2026, 04:35 UTC.
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Remitly
Credit card → GCashminutesEstimated
₱59,223.50
−₱2,520.86 vs best
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 →
Xoom (PayPal)
Credit card → Cash pickupminutesEstimated
₱59,025.48
−₱2,718.88 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 →
Western Union
Credit card → Cash pickupminutesVerified fees
₱58,348.13
−₱3,396.23 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.
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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.

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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.