Send Money to the Philippines from the USA (2026 Guide)
The USA to Philippines corridor is one of the busiest remittance routes in the world — with millions of Filipino-Americans 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 the USA in 2026.
USA to Philippines transfers — key facts
5+
Providers available
Minutes
Fastest delivery
Yes ✅
Supports GCash
Every 30m
Rates updated
Best providers to send money to Philippines from USA
Wise uses the mid-market rate with a transparent flat fee (~$5 on $1,000). Best choice for bank deposits to BDO, BPI, Metrobank and all major Philippine banks. Fund via ACH for free. Available in all US states.
Remitly Express delivers to GCash, Maya, BDO and BPI in minutes. First transfer often free. Supports all US states. 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 the USA. Good alternative to Remitly for mobile wallet delivery. Compare rates before choosing between the two.
How much PHP will my recipient get? (USA to Philippines)
Here's how much PHP your recipient gets on a $1,000 transfer from the USA:
| Provider | Fee | Rate margin | PHP received |
|---|---|---|---|
| Wise | ~$6 | 0% | ~₱58,000 |
| Remitly | $0 | 1.5% | ~₱56,800 |
| WorldRemit | $0 | 2% | ~₱56,500 |
| Western Union | $0 | 3% | ~₱55,500 |
| Your bank | $25+ | 4%+ | ~₱53,000 |
* Approximate figures. Use RateMigo for live exact amounts.
How to send money to Philippines from USA — step by step
- 1
Compare live rates on RateMigo
Check today's USD 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 US government-issued ID for verification.
- 4
Enter recipient details
Add your recipient's Philippine bank account, GCash number, or Maya number.
- 5
Fund via ACH bank transfer
Link your US bank account for the lowest cost. Avoid credit card to save 1.5–2%.
- 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 the USA?+−
Wise is the best overall option for USD to PHP transfers from the USA — 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 USA?+−
Wise is typically the cheapest option for bank deposits. Fund via ACH bank transfer (not credit card) to avoid the 1.5–2% card surcharge. Remitly's first transfer is often free for new users which makes it cheapest for first-time senders.
How long does it take to send money from USA 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 the USA?+−
Yes — Remitly and WorldRemit both support direct transfers to GCash from the USA. Remitly Express delivers to GCash in minutes. Wise does not support GCash transfers.
Is it safe to send money to Philippines online from USA?+−
Yes — all providers on RateMigo are licensed and regulated. Wise is regulated by FinCEN (US) and the FCA (UK). Remitly holds money transmitter licenses across all US states. Always use official apps or websites.
What is the best app to send money to Philippines from USA?+−
Wise and Remitly are the top two apps for USA 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.
Compare live USD to PHP rates now
See exactly how much PHP your recipient gets from every provider today.
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