usd to php

3,600/mo demand

Send money to Philippines

Compare each provider's Philippines payout method with the documented domestic rails below. Domestic-rail speed is not an end-to-end remittance promise.

Live USD to PHP corridor calculator

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Provider comparison

Published fees and corridor guidance

Compare the same send amount and funding method in each live quote. The entries below preserve each audited provider disclosure and its publication context.

Provider fee guidance for sending money to Philippines
ProviderPublished fee guidanceAttribution
WiseFor a representative $1,000 transfer funded from a Wise account balance, the official corridor page displayed a $6.23 fee. Other funding methods and live rates can change the total.as published accessed August 2026Source
RemitlyThe official corridor page advertises no fee on the first transfer for eligible new customers. Standard $1,000 pricing and the exchange rate still require a live quote.as published accessed August 2026Source
XoomThe official corridor page advertises $0 Xoom transfer fees on eligible transactions. Eligibility and the exact cost of a $1,000 transfer are shown before sending.as published accessed August 2026Source
Western UnionThe official page advertises $0 transfer fees for GCash delivery every day and $0 on the first international online transfer; FX and eligibility terms still apply.as published accessed August 2026Source

Receive-side rails

How funds can arrive in Philippines

Compare each provider's Philippines payout method with the documented domestic rails below. Domestic-rail speed is not an end-to-end remittance promise.

InstaPay

BSP describes InstaPay as a real-time, low-value credit-push rail connecting participating bank and electronic-money accounts.

Rail source

PESONet

BSP describes PESONet as a batch electronic-funds-transfer rail; an instruction sent before the cutoff is credited in full within the same banking day.

Rail source

How to compare and send

  1. 01

    Start with one USD amount

    Enter the same USD amount in each live Philippines corridor quote so the comparison uses a consistent input.

  2. 02

    Choose the Philippines payout

    Select only a bank, wallet, or pickup method that the provider currently shows for the intended recipient.

  3. 03

    Verify the recipient

    Use the exact legal name and destination details requested in the live form, then confirm them with the recipient.

  4. 04

    Compare the complete quote

    Review the USD debit, fee, exchange rate, PHP delivered, and dated arrival estimate before paying.

  5. 05

    Save and track

    Keep the prepayment disclosure, receipt, and reference until the recipient confirms the correct amount arrived.

Limits and compliance checks

  • BSP's published NRPS page describes InstaPay as a low-value rail for transactions up to PHP 50,000; provider and account limits can be lower.

    Compliance source

  • Remitly says sending limits vary by sender location, identity-verification status, delivery method, and destination country; use its current limits guide and live corridor flow.

    Compliance source

Philippines transfer questions

Sending money to Philippines: FAQs

Which domestic rail matters after PHP reaches Philippines?

BSP describes InstaPay as a real-time, low-value credit-push rail connecting participating bank and electronic-money accounts.

View source →
Does InstaPay make the whole USA-to-Philippines transfer instant?

No. The official timing describes the domestic Philippines payment leg. USD funding, provider screening, conversion, and release occur before that leg, so use the dated provider estimate.

View source →
What recipient details should I confirm for Philippines?

Confirm whether the provider is crediting a participating bank account or electronic-money account, and whether it labels the local route InstaPay or PESONet.

View source →
Which Xoom delivery methods are published for Philippines?

Xoom publishes bank or debit-card deposit, mobile-wallet delivery, and cash pickup or delivery for the Philippines.

View source →
Is there a verified local transfer limit for Philippines?

BSP's NRPS page publishes a PHP 50,000 InstaPay transaction ceiling. PESONet and provider-specific limits must be checked separately.

View source →

Transfer tools and guides

Check the corridor and receiving details

USD to PHP converterOpen the live corridor converter.Send-money calculatorCompare an amount, exchange rate, and provider pricing.SWIFT code directoryCheck international bank identifiers before sending.Swift WiresRead the related Glide transfer guide.

More destinations

Compare other send-money countries

Content reviewed 2026-08-10