Send Money from Canada to Philippines

Measured on the full cost — the transfer fee plus the exchange-rate margin — Western Union is cheapest on this corridor at C$1,000, across the 4 providers we hold checked figures for. Remitly, Western Union, WorldRemit, Paysend, LemFi and MoneyGram advertise no transfer fee here, which looks cheaper and often is not: a provider with no fee recovers it in the rate, and the margin is usually the larger of the two costs. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Philippine pesos rather than the headline fee.

At C$1,000, Western Union is the cheapest of the 4 providers priced at that amount on this corridor: about C$5.00 all in, or 0.50% of the amount sent. Remitly is next at about C$6.70. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at C$1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Yes. Up to C$500, Remitly costs least on this corridor; from C$1,000 upwards, Western Union does. The change happens somewhere between those two amounts — they are the amounts actually priced, so naming a precise crossing point would be a guess dressed as a figure. This happens because a transfer costs a flat fee plus a percentage of the amount, and those two scale in opposite directions: on a small transfer the fee dominates, on a large one the exchange-rate margin does. It is why a comparison taken at a single amount can point you at the wrong provider for yours.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Western Union, WorldRemit, Xoom and Taptap Send can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are GCash, Maya, GrabPay, UnionPay, Coins.ph, ShopeePay, bank deposit, cash pickup, home delivery, card payout and mobile wallet. The most widely used options in the Philippines are GCash and Maya wallets, bank deposit and cash pickup. GCash has become the default way to receive remittances in the Philippines, with instant delivery to a mobile number. Not every provider supports every method, so check the table above before you commit.

No. Remitly, Western Union, WorldRemit, Sendwave, Xoom, Taptap Send, Paysend, Ria Money Transfer and MoneyGram offer cash pickup in the Philippines, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, GCash and Maya wallets, bank deposit and cash pickup generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For CAD to PHP, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Canada under FINTRAC, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly C$10,000, a specialist foreign-exchange broker will often beat an app on rate.

No provider on this corridor publishes a fixed CAD fee schedule for a standard transfer — Wise is the exception, pricing its fee by payment method, and Taptap Send is the only other provider naming one exact figure (CA$3.49 for Cebuana Lhuillier cash pickup). Every other quoted 'no fee' or 'fee varies' claim resolves only inside each provider's own calculator. 'No fee' does not mean the same thing twice here. LemFi and Taptap Send advertise a fee-free position outright; WorldRemit's is scoped to mobile airtime top-ups only; Ria's and Western Union's are first-transfer promotional codes; Remitly's is capped at the first CAD 1,000 sent. Read the condition before assuming the headline applies to your transfer. GCash is the one wallet every provider that names a wallet at all agrees on. PayMaya/Maya, GrabPay and ShopeePay are inconsistently named across providers' own Canada-facing pages — WorldRemit and Ria name all four, MoneyGram confirms only GCash, GrabPay and Coins.ph for Canada specifically, Sendwave and Taptap Send name only GCash and Maya, and LemFi does not name any wallet despite claiming broad mobile-money coverage. Ria Money Transfer's Canada-facing marketing page and its generic (non-Canada) help-centre article disagree: the Canada page names six mobile wallets and no 'government contribution' payout, while the generic article names fewer wallets, adds a 'government contribution' payout type, and gives different cash-pickup limits by partner in PHP. We are publishing this as a discrepancy rather than picking a side. Published transfer limits are inconsistent in currency and scope: Western Union states a CAD sender-side cap ($5,000 by card, $999 by bank, otherwise account-specific); MoneyGram states a CAD sender-side cap ($10,000); Ria's calculator tops out at CA$49,999 per transaction; Wise publishes no cap at all, only a fee discount above CAD 35,000. WorldRemit, Sendwave and Taptap Send instead publish PHP recipient-side wallet or pickup ceilings (for example WorldRemit's mobile wallet cap of PHP 100,000 held at once), which describe a different limit entirely. A large transfer should be checked against the specific provider's own limit before assuming any of these figures applies. Sendwave accepts only a debit or select prepaid card to fund a transfer from Canada — no credit card and no PayPal — which is a real constraint for a sender who only carries a credit card. The peso hit an all-time low against the US dollar on 4 September 2026, at 62.71, on Gulf oil-supply disruption, rising US Treasury yields and a wide Philippine trade deficit. This corridor is quoted CAD to PHP rather than through the dollar, so the record itself is a USD one — but the pressure is on the peso rather than on any single sending currency, and a Canadian dollar has been buying more pesos as a result. The honest caveat is that a weak peso also raises the price of the imported food and fuel your recipient spends it on, so the real gain is smaller than the headline rate suggests.