Send money from ๐บ๐ธ United States to ๐ต๐ญ Philippines
To send $100 from United States to Philippines, Xoom has the lowest total cost we recorded: -2.33%, fees and exchange-rate margin combined, measured against the interbank rate. 7 providers compared below, each with its collection date.
Providers recorded
Rates collected automatically ยท latest reading November 4, 2026 at 8:08 PM
- BESTXoom
You receive
โฑ6,500
- Fee
- Free
- Rate
- 64.9979
- Total cost
- -2.33%
- likely a promotional offer
Choosedirect link โ not affiliated
โฑ6,434
-โฑ65.72
Senddirect link โ not affiliated
03Remitly
Total cost 1.18% ยท Fee Free
โฑ6,277
-โฑ223
Senddirect link โ not affiliated
04Wise
Total cost 1.83% ยท Fee $1.57
โฑ6,236
-โฑ264
Sendpaid link
05InstaReM
Total cost 2.18% ยท Fee Free
โฑ6,213
-โฑ287
Senddirect link โ not affiliated
Total cost 4.62% ยท Fee $3.00
โฑ6,058
-โฑ441
Senddirect link โ not affiliated
| Provider | Rate | Fee | Total cost | You receive | |
|---|---|---|---|---|---|
BEST | 64.9979 | Free | -2.33% likely a promotional offer | โฑ6,500 | Choose direct link โ not affiliated |
WorldRemit -โฑ65.72 vs best | 64.3407 | Free | -1.29% likely a promotional offer | โฑ6,434 | Send direct link โ not affiliated |
Remitly -โฑ223 vs best | 62.7696 | Free | 1.18% | โฑ6,277 | Send direct link โ not affiliated |
Wise -โฑ264 vs best | 63.3538 | $1.57 | 1.83% | โฑ6,236 | Send paid link |
InstaReM -โฑ287 vs best | 62.1324 | Free | 2.18% | โฑ6,213 | Send direct link โ not affiliated |
Western Union -โฑ441 vs best | 62.4573 | $3.00 | 4.62% | โฑ6,058 | Send direct link โ not affiliated |
Quotes are collected for these exact amounts: fees do not scale the same way from one provider to another.
Why this ranking: details for the 7 providers
Xoom
โฑ6,500 for $100 โข -2.33% total cost
Below-zero cost: this quote's rate beat the interbank rate we recorded. This is usually a promotional offer (first transfer) โ check the price on the provider's site.
What the figures show
- No fee stated on this corridor
- Lowest total cost recorded on this corridor
- Cash pickup available
- Delivery time not stated
Findings computed from the prices recorded on November 4, 2026 at 9:02 AM.
direct link โ not affiliated
WorldRemit
โฑ6,434 for $100 โข -1.29% total cost
Below-zero cost: this quote's rate beat the interbank rate we recorded. This is usually a promotional offer (first transfer) โ check the price on the provider's site.
What the figures show
- Cash pickup available
- Delivery time not stated
Findings computed from the prices recorded on November 4, 2026 at 8:08 PM.
direct link โ not affiliated
Remitly
โฑ6,277 for $100 โข 1.18% total cost
What the figures show
- No fee stated on this corridor
- Cash pickup available
- Delivery time not stated
Findings computed from the prices recorded on November 4, 2026 at 7:49 PM.
direct link โ not affiliated
Wise
โฑ6,236 for $100 โข 1.83% total cost
What the figures show
- Exchange rate in line with the interbank rate
- Delivery stated in under an hour
Findings computed from the prices recorded on November 4, 2026 at 8:08 PM.
paid link
InstaReM
โฑ6,213 for $100 โข 2.18% total cost
What the figures show
- No fee stated on this corridor
- 2.2% margin applied to the exchange rate
- Delivery time not stated
Findings computed from the prices recorded on November 4, 2026 at 6:22 PM.
direct link โ not affiliated
Western Union
โฑ6,058 for $100 โข 4.62% total cost
What the figures show
- Cash pickup available
- Proportional fee: it rises with the amount
Findings computed from the prices recorded on November 4, 2026 at 8:08 PM.
direct link โ not affiliated
OFX
โฑ11,890 for $200 โข 6.41% total cost
What the figures show
- Flat fee, whatever the amount sent
- 4.0% margin applied to the exchange rate
- Delivery time not stated
Findings computed from the prices recorded on November 4, 2026 at 6:42 PM.
direct link โ not affiliated
Is this a good price? The official benchmark
On this corridor, sending USD 200 or the equivalent costs 4.52ย % on average โ fees and exchange-rate margin included, across all operators.
Our cheapest recorded offer is -2.33ย %, which is 6.85 points below the corridor average.
Average: Banque mondiale โ Remittance Prices Worldwide, 2025-Q3 survey. Check on the source's own site
Mid-market rate: 1 USD = 63.5199 PHP โ collected on November 4, 2026 at 8:09 PM, source open.er-api.com.
Provider quotes collected on November 4, 2026 at 9:02 AM.
For comparison, Wells Fargo would deliver โฑ61,366 for $1,000 โ a total cost of 3.39%.
Ranked by increasing total cost โ fees and exchange-rate margin combined, measured against the mid-market rate. Affiliate revenue plays no part in this ranking.
Sources of the quotes on this page: API de comparaison publique de Wise, Calculateur public WorldRemit, Catalogue de prix public Western Union.
Remitly, WorldRemit and Western Union are collected directly from their own calculators; the other providers come from the public comparison interface published by Wise. Wise appears in this comparison and is the only provider we earn a commission from.
Check the final price with the provider before sending: a quote may have changed since we collected it.
Options for Philippines
Cash pickup
Available within minutes at Western Union and MoneyGram locations.
Tips for sending money from United States to Philippines
- 1
Compare the margin on the exchange rate, not just the stated fees: that is where most of the cost sits. On the corridors we record, the best bank ranges from 0.6% to 5.2% of the amount sent โ sometimes cheaper than a specialist, sometimes not.
- 2
Avoid sending at weekends: exchange rates are less favourable. Prefer business days for your transfers.
FAQ โ Send money from United States to Philippines
What is the best way to send money from United States to Philippines?
The best method depends on the amount and the speed you need. Wise is generally cheapest for bank transfers. WorldRemit and Remitly send directly to mobile money. Western Union and MoneyGram suit cash pickup within minutes. Compare the recorded rates in the table above.
How long does it take to send money from United States to Philippines?
Delivery times differ by provider and by payout method. When a provider states an estimate, we show it in the table; when it states none, we say so rather than guess.
What are the fees for a transfer from United States to Philippines?
The total cost combines the stated fee and the margin applied to the exchange rate. It varies by corridor, by provider and by amount โ which is why we record a quote for several amounts rather than quoting a single figure. The table above shows the recorded cost for this corridor, with its collection date.
Can I send money directly to a mobile phone in Philippines?
Transfers to Philippines are mainly made by bank transfer or cash pickup. The available methods appear in the table above.
Beware of scams
TransfertCompare is an independent comparison site. We will never contact you by phone, email or SMS asking for money or personal information. Beware of offers that seem too good to be true. Only use providers listed on our site, and always check you are on the provider's official website before making a transfer.