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Best Ways To Send Money From The UK To The Philippines

Updated on Dec 17, 2020
UK to Php

Remittances put the money into the hands of the people and household directly, lifting millions from poverty, and stimulating economic development - by providing access to finance, improving education, healthcare, and entrepreneurship. 

With over 10 million Filipinos working overseas, it is no surprise that the Philippines is amongst the top recipients of remittances in the world. The remittances every year amount to billions of dollars, which adds up to about 10 percent of the country's gross domestic product (GDP). The World Bank data showed that remittance to the Philippines reached $35 billion in 2019. 

The United Kingdom (UK) has a thriving Filipino community and the number has been increasing over the years. And if you are looking for the best ways to send money from the United Kingdom to the Philippines, we have got you covered.

Before we go ahead and list the best options for sending money to the Philippines, make sure you have your documents ready before sending money. To save more time and money, follow our tips on money transfer.

First time money transfer

Factors to consider when you are comparing your money transfer options

Exchange Rates

Exchange rates between different currencies fluctuate. This means that the value of converting your British Pound Sterling (GBP) to the Philippine Pesos (PHP) keeps changing.

High exchange rates get you the best value for your money. Since the rates change quickly, setting an alert when it is favorable and locking in on the rate can save you a lot of money.

Exchange rates offered by money transfer specialists differ and this is why you should shop around to get the best deal on your transfer.

Transfer Fees

Sending money across international borders comes with fees. The fees can be shown upfront or remain hidden in poor exchange rates. You may need to pay currency conversion fees as well. 

The transfer fees vary amongst the service providers and also depend on the transfer amount, the pay-in and pay-out methods, the currency you are using, and even your destination country. Making an informed decision when transferring money saves you money. 

Transfer Speed 

The fastest way to get your money to your loved ones may not always be the cheapest but it is the best option in case of an emergency. You can opt for instant money transfer which is usually through cash-pick up through a money transfer agent or bank transfer which can take about 3-5 business days. 

Based on your requirements, you can compare, narrow down your options, and make your choice.  

Transfer Methods

This comes down to your convenience. You can directly deposit your money to the recipient's bank account via bank transfer or online money transfer companies or send your money as cash through an agent. Few popular ways to send money to the Philippines are:

  1. Bank Transfer 
  2. Cash Pickup 
  3. Pawnshops 
  4. Money Transfer Agents 
  5. Online Money Transfer 

Do keep in mind that the cost of transfer will vary based on the methods you use. Using either debit or credit card can also influence the transfer cost.

Speed of Transfer

Online money transfers are the best way to transfer money to the Philippines

Online money transfers offer a fast, cheap, secure, and convenient way of transferring money. It is a tough marketplace with several money transfer specialists - traditional ones such as Western Union and Moneygram are competing with incumbents such as Wise and WorldRemit.

Here is our list of the top 5 ways to send money from the UK to the Philippines:


Xoom is a leading money transfer provider to send money from the UK. It has the best network of delivery options and cash pickup locations in the Philippines compared to any other service provider.

The best feature of Xoom is transfer speed. 

  • Cash pickup: Your money will be available within minutes 
  • Bank deposit: Your money will arrive in minutes to Banco de Oro (BDO), Metrobank, and Philippine National Bank (PNB) and typically in hours to all the other banks in the Philippines.
  • Door to door delivery: Your money will be delivered to your recipient in 6 hours or less if they are in Metro Manila and the money was sent before 3 p.m., or 1 to 2 days to most provinces.

You can pay using multiple methods to facilitate your transfer through Xoom - bank account, debit card, credit card, or PayPal balance. Xoom is a PayPal service. So the best part is that if you have an account with PayPal you can start sending money to the Philippines with your PayPal payment options.

Xoom is one of the most reliable and convenient ways to send money with excellent customer support in multiple languages. 

Western Union 

Western Union is the largest money transfer service provider in the world. It has a large network of agents around the world. In the UK, they have about 5200 agent locations, where you can send or receive money, and in the Philippines, they have over 13000 agents across the country, where the recipient can collect the money within minutes.

Money can be sent both through multiple methods that are safe and secure - Western Union agent locations, website, mobile app or over the phone. If you are transferring money through a storefront via agents, transfer fees start from 2.90. 

The benefit is that your recipient can collect the money within minutes through any of its agent locations. The rate and fees may differ depending on your location and speed of transfer. 


MoneyGram International is the second biggest money transfer company in the world after Western Union.

MoneyGram may not always provide the best exchange rate compared to other money transfer service providers. However, they provide one of the fastest and the most convenient money transfer services. 

They are over 10,000 agent locations across the Philippines including popular pawnshops such as Cebuana Lhuillier and Palawan Pawnshop that offer international money transfer services including picking up cash sent from abroad.

MoneyGram recently strengthened its position in the Philippines with its partnership with Gcash. OFWs can send money in minutes to GCash mobile wallets in the Philippines instantly.


The company was created in 2010 by Ismail Ahmed, a Somali migrant while studying in London. Drawing from his experience, he wanted to make money transfers cheaper and improve the experience of sending money for the entire migrant community. 

There are four transfer methods of sending money through WorldRemit from the UK to the Philippines - bank transfer, cash pickup, WorldRemit Wallet, or airtime top-up. 

While their airtime top-up method is not exactly a money transfer per se, you can send credit/Talktime to prepaid mobiles on the Smart, Smartbro, Smart Gold, Cignal, Globe, and Sun Cellular networks almost instantly.

Their bank transfer allows you to transfer money to any major Philippine bank - Metrobank, LandBank, Philippine National Bank (PNB), Banco de Oro (BDO), and Bank of the Philippine Islands (BPI). 

They offer money transfers to the Philippines from the UK at great speed with good foreign exchange rates and low fees.


Skrill Money Transfer is an easy to use and quick way of sending money from the UK to the Philippines. For now, they offer money transfers to Mobile wallet and Bank account only for the Philippine corridor.

They charge zero fees when you use Skrill Money Transfer to send money to an international bank account. And Skrill Money Transfer does not charge recipients any fee to receive the money sent. Skrill is one of the cheapest ways of sending money to the Philippines from the UK. 

It is a service for money movers and makers. Read what our users are saying about Skrill.

In conclusion, there are several ways to send money from the UK to the Philippines. The best ways would depend on several factors and your requirements - sending money for an emergency or monthly family maintenance or for a big investment, etc.

One sure way to go about is to compare all of your money transfer options and choose the one that meets your needs. All the money transfer service providers listed on CompareRemit are regulated by the Financial Conduct Authority.

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