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Sending Money to the Philippines in 2026: Real Quotes
Send money to the Philippines from the US, UK or UAE: quotes we recorded, World Bank average costs, and how GCash, Maya and bank payouts work.
In summary
The Philippines received $41.6 billion in remittances in 2025. On our 28-29 September 2026 quotes, WorldRemit left the most pesos from both the US and the UK; the gap with the most expensive provider was up to ₱288 on $100.
The Philippines received $41.6 billion in personal remittances in 2025, according to the World Bank. Sending $200 costs 4.52% on average from the United States, 3.33% from the United Kingdom and 3.04% from the United Arab Emirates (World Bank, Q3 2025). The provider you choose moves that figure far more than the country you send from.
What we recorded from the United States (29 September 2026)
Sending $100, fees and exchange-rate margin included:
| Provider | Fee | Recipient gets | Total cost | Stated delivery |
|---|---|---|---|---|
| WorldRemit | Free | ₱6,238 | 0.19% | not stated |
| Wise | $1.57 | ₱6,143 | 1.72% | under an hour |
| InstaReM | Free | ₱6,128 | 1.96% | not stated |
| Remitly | Free | ₱6,050 | 3.20% | not stated |
| Western Union | $3.00 | ₱5,950 | 4.81% | about 24 h |
What we recorded from the United Kingdom (28 September 2026)
Sending £100:
| Provider | Fee | Recipient gets | Total cost | Stated delivery |
|---|---|---|---|---|
| WorldRemit | Free | ₱8,292 | -0.24% | not stated |
| InstaReM | Free | ₱8,242 | 0.35% | not stated |
| Remitly | Free | ₱8,209 | 0.76% | not stated |
| Wise | £1.06 | ₱8,195 | 0.92% | under an hour |
| Western Union | Free | ₱8,134 | 1.67% | about 24 h |
| MoneyGram | £1.49 | ₱8,104 | 2.02% | not stated |
A negative total cost means the provider's exchange rate was slightly better than the interbank reference rate we measured that day — the recipient gets marginally more than a mid-market conversion.
From the UAE, the only fresh quote we had on that date was a promotional Remitly price, so we do not quote a figure here: the UAE → Philippines page shows it with its warning, and the World Bank average is 3.04%.
What this means in practice
- On $100 from the US, choosing the cheapest over the most expensive provider meant ₱288 more for the recipient; on £100 from the UK, ₱188.
- Wise had the fastest stated delivery (under an hour) from both countries, at a slightly higher cost than the cheapest.
- A "free" transfer is not free: with no fee, the cost sits in the exchange rate. Compare the pesos received.
Wise is the only provider that pays this site a commission. It has no influence on the order of any table: providers are ranked by the amount the recipient gets.
How money is received in the Philippines
Recipients can be paid into a bank account (BDO, BPI, Metrobank and others), into an e-wallet such as GCash or Maya, or in cash at pickup points. Payout options differ by provider: check that the recipient's method is offered before comparing prices.
Compare by route
- United States → Philippines
- United Kingdom → Philippines
- UAE → Philippines
- Saudi Arabia → Philippines
- All options for the Philippines
Before you send
- Compare the pesos received, not the fee.
- Check the payout method: bank, GCash, Maya or cash pickup.
- Check larger amounts on the route page: fees do not scale the same way across providers.
- Re-check on the day you send: quotes change daily.
Sources:
Charles Parenteau
Founder of TransfertCompare. I collect the providers' prices myself and compare the options to help you save on every transfer.Learn more →