CANADA → PHILIPPINES
Send Money from Canada to the Philippines
Compare international money transfer providers sending CAD from Canada to the Philippines. Review exchange rates, fees, delivery speed, and payout methods before choosing a provider.
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Delivery Methods
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Compare Philippines Money Transfer Providers
| Provider | Promotion | Fee Type | Payout Method | Delivery Speed | Best For |
|---|---|---|---|---|---|
| Wise | None | Transparent upfront fee, from approximately $8 CAD per $1,000 sent | Bank Deposit, GCash, Maya, GrabPay, ShopeePay | Same day, often within hours | Best for sending directly into the recipient's e-wallet of choice at the mid-market rate |
| Remitly | First-transfer promotional rate for new customers (check current offer) | Flat fee, $3.99 CAD to $5.99 CAD depending on speed | Bank Deposit, GCash, PalawanPay | Minutes (Express) to a few days (Economy) | Best for GCash delivery with a choice of speed/price tiers |
| Western Union | None | Fee varies by amount, payment method, and payout option | Bank Deposit, Mobile Wallet | Minutes to same day depending on payout method | Best for its large in-person agent network alongside digital transfer |
| WorldRemit | None | Fee shown upfront before sending, varies by amount and payout method | Bank Deposit, Cash Pickup, GCash, GrabPay, Maya, ShopeePay | 90% of transfers arrive within minutes | Best for the widest choice of named Philippine e-wallets |
| Sendwave | No-fee transfers | No transfer fee advertised (built into exchange rate) | Cash Pickup, GCash | Minutes to same day | Best for no-fee GCash delivery |
| Xoom | $0 fee on eligible transfers | Fee varies by amount and payout method; $0 fee on some transfers | Bank Deposit, Cash Pickup, GCash, PayMaya, GrabPay, Coins, U-mobile | Minutes for mobile wallet payouts | Best for the widest range of named Philippine e-wallets in one provider |
| Taptap Send | No-fee transfers | No transfer fee advertised (rate markup instead) | Bank Deposit, GCash, Maya | 95% of transfers arrive in under 3 minutes | Best for fast, no-fee delivery to a major Philippine bank or e-wallet |
| Paysend | None | Flat fee, $3 CAD | Bank Deposit, Cash Pickup, GCash | Same day, often minutes | Best for a simple, low flat fee regardless of amount |
| Ria Money Transfer | None | Fee varies by amount and payout method | Bank Deposit, Cash Pickup, Home Delivery, GCash | Minutes (card-funded) to several business days (bank transfer) | Best for choice between GCash, cash pickup, and home delivery |
| LemFi | None | Little to no fee advertised | Bank Deposit | Minutes | Best for straightforward low-fee bank transfers |
| MoneyGram | None | Fee varies by amount and payout method | Bank Deposit, GCash, Cash Pickup, Debit Card | Minutes for GCash and debit card | Educational listing — not a current affiliate partner |
🇨🇦🇵🇭 About Sending Money to the Philippines
Canada’s Filipino community is one of the country’s largest and fastest-growing immigrant populations, with major concentrations in Ontario, Alberta, and Manitoba. The Philippines is consistently among the world’s top remittance-receiving countries, and its digital payments ecosystem is genuinely fragmented — no single mobile wallet dominates the way MoMo does in Vietnam.
Did you know?
GCash, Maya, GrabPay, and ShopeePay are the Philippines’ four leading e-wallets, together reaching a large share of digital remittance recipients — but which wallets a given provider supports varies significantly, so the specific wallet a recipient uses matters when choosing a provider.
Several providers compared above (Wise, WorldRemit, Xoom) deliver to four or more named Philippine e-wallets directly, while others are limited to bank deposit or a single wallet — a genuine point of differentiation for this corridor.
Established Philippine banks like BDO, BPI, and Metrobank remain common direct-deposit destinations alongside e-wallets, reflecting the country’s mixed banked and mobile-money financial landscape.
Source: provider-by-provider Canada-corridor verification, August 2026.
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.
Western Union
Typical use case: Bank Deposit and Mobile Wallet delivery, backed by a large in-person agent network
Delivery: Minutes to same day depending on payout method
Payout options: Bank Deposit, Mobile Wallet
Sendwave
Typical use case: No-fee delivery direct to GCash or Cash Pickup
Delivery: Minutes to same day
Payout options: Cash Pickup, GCash
WorldRemit
Typical use case: The widest named e-wallet choice — GCash, GrabPay, Maya, and ShopeePay — plus Bank Deposit and Cash Pickup
Delivery: 90% of transfers arrive within minutes
Payout options: Bank Deposit, Cash Pickup, GCash, GrabPay, Maya, ShopeePay
Remitly
Typical use case: GCash and PalawanPay delivery, or direct Bank Deposit to Philippine National Bank
Delivery: Minutes (Express) to a few days (Economy)
Payout options: Bank Deposit, GCash, PalawanPay
Wise
Typical use case: Transparent, mid-market FX pricing to a bank account or GCash, Maya, GrabPay, and ShopeePay
Delivery: Same day, often within hours
Payout options: Bank Deposit, GCash, Maya, GrabPay, ShopeePay
Taptap Send
Typical use case: No-fee delivery to a major Philippine bank (BDO, BPI, Metrobank) or GCash and Maya wallets
Delivery: 95% of transfers arrive in under 3 minutes
Payout options: Bank Deposit, GCash, Maya
Paysend
Typical use case: Simple flat-fee transfers to a bank account, Cash Pickup, or GCash
Delivery: Same day, often minutes
Payout options: Bank Deposit, Cash Pickup, GCash
Xoom
Typical use case: The widest range of named Philippine e-wallets in one provider — GCash, PayMaya, GrabPay, Coins, and U-mobile — backed by PayPal
Delivery: Minutes for mobile wallet payouts
Payout options: Bank Deposit, Cash Pickup, GCash, PayMaya, GrabPay, Coins, U-mobile
LemFi
Typical use case: Straightforward low-fee Bank Deposit transfers
Delivery: Minutes
Payout options: Bank Deposit
Ria Money Transfer
Typical use case: Choice between GCash, Cash Pickup, Bank Deposit, or Home Delivery
Delivery: Minutes (card-funded) to several business days (bank transfer)
Payout options: Bank Deposit, Cash Pickup, Home Delivery, GCash
MoneyGram
Typical use case: Additional payout flexibility including GCash (educational listing — not a current affiliate partner)
Delivery: Minutes for GCash and debit card
Payout options: Bank Deposit, GCash, Cash Pickup, Debit Card
Methodology
Remit Architect compares providers using a standardized $100 CAD transfer benchmark from a Canadian bank account to a recipient account in the Philippines. Rates, fees, and payout methods are verified directly against each provider’s own website or app rather than assumed, and this comparison is current as of August 19, 2026. Payout methods are corridor-specific — a provider’s Philippines options may differ from its options for other destinations or sender countries.