To send money to the Philippines from the US, most people use an online remittance service that pays out in Philippine pesos to a bank account, a mobile wallet such as GCash, or a cash pickup counter. The total cost is the transfer fee plus the exchange-rate margin, and both change with how you pay and how the recipient collects.
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This page pulls together what five providers publish on their own Philippines send pages, as of October 2026: Remitly's Philippines page, Western Union's Philippines page, Xoom's Philippines page, Wise's Philippines page and WorldRemit's Philippines page. Exchange rates move all day, so no live rate is quoted here.
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There are four common payout methods for a US to Philippines transfer: deposit to a Philippine bank account, credit to a mobile wallet, cash collected at a pickup counter, and door to door delivery. The sender picks the method when setting up the transfer, and the recipient usually does not need an account with the sending service.
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Bank deposit. Funds land in a peso account at banks such as BDO, BPI, Metrobank or Philippine National Bank. Western Union says real time transfers are available to BDO, BPI and Land Bank, with first-time BPI receivers possibly waiting up to 2 hours, per its Philippines send page as of October 2026.
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Mobile wallet. GCash and Maya are the wallets most providers list. Western Union caps wallet sends at 5k PHP and requires the GCash recipient to have a fully registered profile, according to the same Western Union page.
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Cash pickup. Pawnshop and remittance chains such as Cebuana Lhuillier, M.Lhuillier, Palawan and LBC pay out cash. Western Union states it has more than 21,000 agent locations in the Philippines and that receivers typically need the tracking number (MTCN) and a valid ID.
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Home delivery.Xoom offers door to door cash delivery through Signed and Delivered (S&D), and Remitly lists home delivery among its Philippines options.
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The five providers differ mainly in how they charge and which payout methods they support. Some advertise zero transfer fees and earn their margin on the exchange rate, while others show a fee and price close to the mid-market rate. The table below lists only what each provider states on its own Philippines page.

Each provider's calculator, such as the Western Union price estimator, shows the full quote. For a deeper look at each pricing model, see Remitly Fees, WorldRemit Fees and Western Union Send Fees by Corridor.
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The best way depends on what the recipient can use and what the sender values most. A bank deposit fits a recipient with a peso account, a wallet transfer fits someone who pays bills by phone, and cash pickup fits a recipient without a bank. Compare the total received in pesos, not the fee alone.
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A short decision path based on the providers' own stated features:

Funding method matters as much as provider. On the Wise page, the same 500 USD transfer costs 2.99 USD by debit card and 33.83 USD by credit card. Western Union also warns that a card issuer may treat a credit card payment as a cash advance with extra fees.
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Several providers advertise zero transfer fees, but a zero fee does not mean a free transfer. Providers that charge no fee usually earn on the exchange rate, so the recipient gets fewer pesos than the mid-market rate would give. Free offers are also often limited to the first transfer or one payout type, as Xoom's Philippines page shows.
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Xoom states plainly that it makes money on the exchange rate and that the spread varies per transaction. Western Union also says it makes money from FX, and its promotional rate covers only the first online transfer up to 2000 USD. Remitly applies its promotional rate to the first 1,000 USD for new customers. To see the real cost, enter the same amount in each calculator and compare pesos received.
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No. Zelle works only between bank accounts in the United States, so it cannot deliver money to a Philippine bank or wallet. A US sender can pay a family member's US account with Zelle, but reaching the Philippines requires an international remittance service or a bank wire.
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The Zelle FAQ states that both sender and recipient must have US bank accounts. For domestic limits, see Zelle Limits and Zelle vs Venmo.
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Most wallet and cash pickup transfers to the Philippines arrive within minutes once the payment clears, while bank deposits range from minutes to several days depending on the bank and funding method. Paying by debit card is generally faster than paying from a US bank account, which has to clear first.
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Western Union gives a range of minutes for wallets, same day for cash and up to five days for bank transfers. Xoom says door to door delivery typically reaches Metro Manila in 6 hours or less if sent before 3 p.m., and 1 to 2 days for most provinces. To follow a transfer after sending, see Xoom Tracking or MoneyGram Tracking.
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A federal tax on certain remittance transfers sent from the United States now applies, and whether a given send is affected depends on how it is paid for. Digital transfers funded from a bank account or card are treated differently from cash-funded sends, so each provider's own terms are the place to confirm.
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Xoom states the tax came with the One Big Beautiful Bill Act and that Xoom transfers are not subject to it because Xoom does not accept cash. Senders who pay in cash at an agent location should expect the tax on those sends.
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Some senders move dollars as a stablecoin such as USDT and convert to pesos in the Philippines through a local exchange or wallet. This route skips the remittance agent but adds conversion and withdrawal steps, and the recipient needs an account that can sell the stablecoin for PHP.
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The steps of that route are covered in USDT to Philippine Peso.
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Provider pages describe typical outcomes, not guarantees for every transfer. Speeds, fees and promotional offers change often, and the figures above reflect October 2026 only. Exchange-rate margins are not published as a number by most providers, so the true cost only appears in each live calculator.
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The WorldRemit page fetched for this article displayed its calculator in another currency, so no USD fee figure from WorldRemit is quoted here. Limits also vary by verification level; Western Union mentions up to $19,000 per remittance but says personal limits depend on service and history.
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This page covers sending from the US to the Philippines through consumer remittance services. It does not cover live exchange rates, business payroll, sending from countries other than the US, Philippine tax treatment for recipients, or which provider is right for a specific situation. Check each provider's own calculator before sending.
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Related reading: MoneyGram Fees (pricing as published on MoneyGram's site), Western Union App, Who Owns Remitly.
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All fees, speeds, limits and payout methods were taken from each provider's own Philippines send page, retrieved on October 21, 2026. No live exchange rates are quoted. Promotional offers are reported as stated and may end without notice. No provider paid for placement or reviewed this page.
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Sources: Remitly Philippines page, Western Union Philippines page, Xoom Philippines page, Wise Philippines page, WorldRemit Philippines page, Zelle international FAQ.
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