The best way to send money to Philippines is an important necessity for many individuals, whether you’re supporting family or conducting business. There are numerous international money transfer options available, each offering different features in terms of speed, cost, and convenience.
In this guide, we’ll explore the best way to send money to the Philippines, with options from the USA, UK, India, and Egypt, and include methods for those without a bank account. Learn how to choose the right service based on low fees, exchange rates, and transfer speeds.
How to Send Money from the USA to Philippines
If you’re in the USA and need to send money to the Philippines, here are some of the most
efficient options:
● Bank Transfers from the USA: Most major US banks support international transfers to
banks in the Philippines, but fees may apply.
● Money Transfer Services USA to Philippines: Western Union and MoneyGram are
reliable choices for fast money transfers.
● Digital Transfer Platforms: PayPal, Wise (formerly TransferWise), and Remitly provide
some of the best rates for sending money online, with low fees and fast delivery.
● Cryptocurrency Transfers: Using Bitcoin and other cryptocurrencies can offer cheaper
transfer options with faster processing times.
Pro Tip: Compare transfer speeds and fees on platforms like Wise, Remitly, and OFX before choosing a service, as rates can fluctuate based on the time of day and method of payment.
How to Send Money from the UK to Philippines
When sending money from the UK to the Philippines, consider these options:
● Wise (formerly TransferWise): Offers low fees and competitive exchange rates, ensuring
more money reaches your recipient.
● Western Union & MoneyGram: These services have numerous pick-up locations in both
the UK and the Philippines, making it a reliable option.
● PayPal UK to Philippines: Fast transfers, though fees can be higher compared to other
methods.
● Revolut & Monzo: UK-based mobile banking apps that offer affordable
international transfers to the Philippines.
Pro Tip: Look for promotions or discounts on transfer fees. Many services offer first-time user discounts or waive fees for higher amounts sent.
How to Send Money from India to Philippines Without a Bank Account
Sending money from India to the Philippines without a bank account is possible through several
options:
● Western Union & MoneyGram India to Philippines: Ideal for cash pick-up options where
the recipient can collect money without needing a bank account.
● Mobile Wallet Transfers: GCash and PayMaya are popular mobile wallets in the
Philippines that allow users to receive money directly into their accounts.
● Remitly: Offers a cash pick-up option in thousands of locations across the Philippines or
door-to-door delivery for ultimate convenience.
Pro Tip: Double-check the recipient’s ID requirements for cash pick-up to avoid any delays
during collection. Some services require specific government-issued identification.
How to Send Money from Egypt to Philippines
If you need to send money from Egypt to the Philippines, here are the top methods:
● Western Union Egypt to Philippines: With many locations in Egypt, Western Union is a
reliable choice for sending money to cash pick-up locations in the Philippines.
● MoneyGram Egypt to Philippines: MoneyGram also offers fast cash transfers with the
option for cash pick-up or bank deposits in the Philippines.
● Remitly Egypt to Philippines: Known for its low fees and competitive exchange rates,
Remitly allows for multiple transfer options, including bank deposits and mobile wallets.
Pro Tip: If you’re sending money regularly, check whether the service offers a loyalty program or
discounts for frequent transfers to help you save on fees in the long run.
Best Apps to Send Money to Philippines
For convenience and accessibility, money transfer apps are becoming increasingly popular. Here
are some of the best apps to send money to the Philippines:
● Wise (formerly TransferWise): Known for its transparency in fees and exchange rates.
● PayPal: Offers both fast bank transfers and payments directly to mobile wallets.
● GCash & PayMaya: Local apps in the Philippines that allow recipients to receive
international transfers with ease.
Download apps with real-time tracking features, like Remitly or Wise, to monitor the status of your transfer and ensure your recipient gets the funds without delays.
Factors to Consider When Sending Money to Philippines
When deciding how to send money to the Philippines, consider:
● Security: Always use reputable and regulated services to ensure the security of your
funds.
● Transfer Limits: Some services impose daily or transaction limits, so check before
sending large amounts.
● Accessibility: Ensure your recipient has easy access to the funds, whether through bank
deposits, cash pick-up, or mobile wallets like GCash or PayMaya.
Pro Tip: Always check the service’s customer support availability, especially if you’re
transferring large amounts. Some providers offer 24/7 support, which can be crucial in case of
issues.
Selecting the right method to send money to the Philippines depends on your needs—whether
it’s speed, cost, or convenience. For quick transfers, services like Western Union or Remitly are
reliable, while Wise offers lower fees and better exchange rates for less urgent transfers.
Mobile wallets like GCash and PayMaya are great for recipients without bank accounts. Compare fees, transfer times, and accessibility to ensure a safe and efficient transfer.
