USA → PHILIPPINES
Send Money from the USA to the Philippines
Compare international money transfer providers sending USD from the United States to the Philippines. Review exchange rates, fees, delivery speed, and payout methods before choosing a provider.
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Compare Philippines Money Transfer Providers
| Provider | Promotion | Fee Type | Payout Method | Delivery Speed | Best For |
|---|---|---|---|---|---|
 Sendwave | Intro rate discount: $0.49 fee waived | No fee — first transfer | GCash, Bank Account, Cash Pickup | Minutes | GCash and bank payout with a first-transfer discount |
 Xoom | Promotional first-time rate | No Fee | Debit Card, Bank Deposit, Mobile Wallet, Cash Pickup | Minutes | Broad payout options including mobile wallet and cash pickup |
 Remitly | Welcome rate offer on first transfer | No Fee | GCash, BDO, BPI, Mobile Wallet | Same Day | Best welcome offer for first-time senders |
 WorldRemit | First transfer rate promo | No Fee | Bank Transfer | Same Day | Bank transfer option |
 Western Union | $0 fee: first online transfer | No fee — first transfer | Bank Deposit, Cash Pickup | Minutes | Fast delivery and payout flexibility |
 LemFi | No current promo — standard rates apply | Flat Fee ($1.00) | Bank Account, Mobile Wallet | Minutes | Bank account and mobile wallet payout |
 Paysend | No current promo — standard rates apply | Flat Fee (from $0.99) | Mastercard, Visa, GCash, Bank Account, Cash Pickup | Minutes | Broad payout options including GCash and cash pickup |
 Taptap Send | No current promo — standard rates apply | Fee varies by delivery method | Mobile Wallet, Bank Account | Same Day | Wide local coverage with flexible payout options |
 Wise | No current promo — standard rates apply | Percentage-based fee + FX spread | Bank Account | Days | Transparent FX pricing |
 Revolut | No current promo — standard rates apply | Flat fee / transfer fee varies | Bank Transfer, Card Transfer | Minutes | Low-cost bank-to-bank transfers |
🇵🇭 About Sending Money to the Philippines
The Philippines is one of the world’s largest remittance recipients, with the United States as its single biggest source of funds from abroad.
Did you know?
The Philippines received a record $35.63 billion in cash remittances in 2025, and the United States accounted for nearly 40% of that total — the largest single source of any country.
GCash has become one of the Philippines’ most widely used digital wallets, helping explain why several providers support wallet-based delivery options on this corridor.
A majority of Filipino remittance recipients now say they prefer to receive funds digitally, which helps explain why bank transfer and e-wallet payout options are so prominent in this corridor’s provider mix alongside cash pickup.
Source: Bangko Sentral ng Pilipinas remittance data as reported by Philippine News Agency and BusinessWorld; digital-adoption figures from industry payment research. Remittance totals fluctuate year to year and are cited as approximate.
Available Providers for the Philippines
Not a ranking — each provider fits a different use case. See the comparison table above for current promotions and fee types.
Sendwave
Typical use case: GCash and bank payout with a first-transfer discount
Delivery: Minutes
Payout options: GCash, Bank Account, Cash Pickup
Xoom
Typical use case: Broad payout options including mobile wallet and cash pickup
Delivery: Minutes
Payout options: Debit Card, Bank Deposit, Mobile Wallet, Cash Pickup
Remitly
Typical use case: Best welcome offer for first-time senders
Delivery: Same Day
Payout options: GCash, BDO, BPI, Mobile Wallet
WorldRemit
Typical use case: Bank transfer option
Delivery: Same Day
Payout options: Bank Transfer
Western Union
Typical use case: Fast delivery and payout flexibility
Delivery: Minutes
Payout options: Bank Deposit, Cash Pickup
LemFi
Typical use case: Bank account and mobile wallet payout
Delivery: Minutes
Payout options: Bank Account, Mobile Wallet
Paysend
Typical use case: Broad payout options including GCash and cash pickup
Delivery: Minutes
Payout options: Mastercard, Visa, GCash, Bank Account, Cash Pickup
Taptap Send
Typical use case: Wide local coverage with flexible payout options
Delivery: Same Day
Payout options: Mobile Wallet, Bank Account
Wise
Typical use case: Transparent FX pricing
Delivery: Days
Payout options: Bank Account
Revolut
Typical use case: Low-cost bank-to-bank transfers
Delivery: Minutes
Payout options: Bank Transfer, Card Transfer
Methodology
Remit Architect compares providers using a standardized $100 USD transfer benchmark from a U.S. bank account to a recipient account in the Philippines. Rates, fees, and availability change frequently and are reviewed on a recurring cycle; figures shown may not reflect real-time pricing — always confirm the current rate and fee directly on the provider’s site before sending.
Sending country: United States Destination: Philippines Last reviewed: August 2026