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How To Send Money To The Philippines From The United States

Updated on Mar 15, 2022
send money to the Philippines online

Living in the United States, there may be many reasons why you need to send money to the Philippines. You may be an Overseas Filipino Worker (OFW), or you may have family back home that rely on your support. Perhaps, you just want to send a monetary gift to a loved one in the Philippines, or you have property you need to make payments for. Regardless of the why, you need a reliable way to send money to the Philippines from the US.

When it comes to sending money online to the Philippines, you have a few different options:

  • Bank Deposit - send money directly to an overseas bank account
  • Cash Pickup - send cash to be ready for pickup at thousands of locations in the Philippines
  • Home Delivery - money is sent right to your recipient's door
  • Mobile Money - send money instantly using a mobile money account such as, PayMaya, and more

Using online remittance services will help you send money to the Philippines at the best rates and with the quickest turnaround time. You can always use our remittance comparison service to see the latest information regarding fees and current exchange rates here

Many online remittance services also offer coupons or discounts for new customers and competitive rates and fees. Trusted banks that these top rated remittance services work with include BDO, BPI, Palawan Express, Cebuana Lhuillier, and much more. 

Comparing The Best Online Remittance Companies

When it comes to choosing how you will send money to the Philippines online, you have multiple different options. Let's take a look at some of the best money transfer sites and what they offer. 


Remitly money transfer to the Philippines is trusted and highly utilized within the United States. 

  • Special rate and zero fees for your first transfer
  • Transfer speeds range from instantly to within just a couple of days, depending on how the money is received
  • Great exchange rates
  • Fees can be as low as $0 for longer delivery time (3-5 days)
  • Edit and cancel your transfer with ease


Wise money transfer to the Philippines is much cheaper than your typical bank and is a safe and trusted way to send money home. 

  • Easy to use money transfer platform
  • No hidden fees
  • ACH or wire transfer
  • 3-5 day turnaround time
  • Great exchange rates

Wells Fargo

If you have a Wells Fargo checking or savings account, you can send money to the Philippines using their Wells Fargo ExpressSend Service to Asia. 

  • Eligible banks include: Bank of the Philippine Islands, BDO Unibank, Metrobank, Philippine National Bank, M. Lhuillier, Cebuana Lhuillier
  • Low exchange rates
  • Up front, competitive transfer fees
  • Safe and reliable


Xe money transfer to the Philippines is a quick and reliable way to send your money internationally. 

  • Special rates for new customers
  • Small, fixed fees for remittances of under $500
  • No transfer fee for remittances over $500
  • 1-4 working days turnaround time
  • Send amounts of up to $500,000 USD


Instarem is a great way to send money online to the Philippines instantly while avoiding processing and handling fees. 

  • Low fees and great exchange rates
  • Rates sourced directly front Reuters
  • Fees are always up front
  • Money transfer is usually instant or same day
  • Reward points
  • Cash pickup available 

Small World

Small World money transfer to the Philippines allows you to deposit Philippine Pesos or USD directly into a bank account in minutes.

  • Available for cash pick up at over 11,000 locations in the Philippines
  • First transfer has no fees
  • Competitive exchange rates and low fees
  • Local support in Tagalog 

How Do You Know If You're Getting The Best USD to PHP Exchange Rate

The exchange rate for USD to PHP changes constantly based on a number of factors, including current market rate. If you're looking to send money at the best US dollar to Philippine peso exchange rate currently, you can utilize our remittance comparison service that allows you to see what exchange rates top online money remittance services are offering.

When it comes to sending money online to the Philippines, choose the option that is best for your needs and budget. While you may find that some services are much cheaper, they may have a longer wait time, which is something you will want to consider when choosing a service to use. We recommend taking into account exchange rates, transfer fees, pickup options, and turnaround times. Compare online remittance rates online today!

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