Send Money to the Philippines from Canada (2026 Guide)
Canada has a large and growing Filipino community, with hundreds of thousands of Filipino-Canadians sending money home every month. Choosing the right provider can save you ₱1,500–₱2,500 per $1,000 transfer. This guide compares the best options for sending money to the Philippines from Canada in 2026.
Canada to Philippines transfers — key facts
5+
Providers available
Minutes
Fastest delivery
Yes ✅
Supports GCash
Interac
Fund via
Best providers to send money to Philippines from Canada
Wise uses the mid-market rate with a transparent flat fee (~CAD$6 on $1,000). Best choice for bank deposits to BDO, BPI, Metrobank and all major Philippine banks. Fund via Interac e-Transfer for free. Available across Canada.
Remitly Express delivers to GCash, Maya, BDO and BPI in minutes. First transfer often free. Supports Interac e-Transfer funding. Best choice when your recipient uses GCash or Maya or when speed is critical.
Western Union has thousands of agent locations across the Philippines. Cash available in minutes. Higher exchange rate margin than Wise but unmatched convenience for recipients without a bank account.
WorldRemit also supports GCash and Maya from Canada. Good alternative to Remitly for mobile wallet delivery. Compare rates before choosing between the two.
How much PHP will my recipient get? (Canada to Philippines)
Here's how much PHP your recipient gets on a CAD $1,000 transfer from Canada:
| Provider | Fee | Rate margin | PHP received |
|---|---|---|---|
| Wise | ~CAD$6 | 0% | ~₱42,500 |
| Remitly | CAD$0 | 1.5% | ~₱41,800 |
| WorldRemit | CAD$0 | 2% | ~₱41,500 |
| Western Union | CAD$0 | 3% | ~₱40,800 |
| Your bank | CAD$25+ | 4%+ | ~₱39,500 |
* Approximate figures. Use RateMigo for live exact amounts.
How to send money to Philippines from Canada — step by step
- 1
Compare live rates on RateMigo
Check today's CAD to PHP rates across all major providers. Rates refresh every 30 minutes.
- 2
Choose your provider
Wise for best rate, Remitly for GCash/speed, Western Union for cash pickup.
- 3
Create an account
Sign up takes 5–10 minutes. You'll need a Canadian government-issued ID or passport for verification.
- 4
Enter recipient details
Add your recipient's Philippine bank account, GCash number, or Maya number.
- 5
Fund via Interac e-Transfer
Link your Canadian bank account and fund via Interac — instant and free from most Canadian banks.
- 6
Recipient receives PHP
Funds arrive in minutes (Remitly Express) or 1–2 business days (Wise bank deposit).
Frequently asked questions
What is the best way to send money to the Philippines from Canada?+−
Wise is the best overall option for CAD to PHP transfers from Canada — it uses the mid-market rate with a transparent flat fee. For GCash or Maya delivery, Remitly is better. For cash pickup, Western Union has the largest network across the Philippines.
What is the cheapest way to send money to Philippines from Canada?+−
Wise is typically the cheapest option for bank deposits from Canada. Fund via Interac e-Transfer (free from most Canadian banks) to avoid card surcharges. Remitly's first transfer is often free for new users.
How long does it take to send money from Canada to Philippines?+−
With Remitly Express, funds arrive in minutes to GCash, Maya, BDO and BPI. With Wise, bank deposits typically take 1–2 business days. Western Union cash pickup is available in minutes at agent locations across the Philippines.
Can I send money directly to GCash from Canada?+−
Yes — Remitly and WorldRemit both support direct transfers to GCash from Canada. Remitly Express delivers to GCash in minutes. Wise does not support GCash transfers.
Can I use Interac e-Transfer to send money to Philippines?+−
You can use Interac e-Transfer to fund your transfer on platforms like Wise and Remitly. The Interac transfer goes to the provider, who then sends the funds to the Philippines. It's the cheapest funding method from Canadian banks.
What is the best app to send money to Philippines from Canada?+−
Wise and Remitly are the top two apps for Canada to Philippines transfers. Wise for best exchange rate and bank deposits. Remitly for GCash delivery and urgent transfers. Both are available on iOS and Android in Canada.
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See exactly how much PHP your recipient gets from every provider today.
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