Cheapest & Fastest Ways to Send Money to the Philippines from the uSA & Canada – 2025

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Sending money to loved ones in the Philippines is something many Filipino-Americans and Filipino-Canadians do regularly — but with so many options available, it can be confusing to know which one offers the best rates, lowest fees, or fastest transfers.

Whether you’re supporting family, paying bills, or helping out in emergencies, this guide will walk you through the best ways to send money to the Philippines from the US or Canada in 2025 — including helpful tips to save time and money.

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Why Choosing the Right Remittance Service Matters

When you send money internationally, you’re not just dealing with exchange rates. You also have to think about:

• Transfer fees
• Hidden currency conversion charges
• Speed of delivery
• Payout options (bank deposit, cash pickup, e-wallet like GCash or PayMaya)

Using the wrong service could mean your family receiving less money, or worse — delays in urgent situations.

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Top 5 Money Transfer Services to the Philippines (2025)

Here are the most trusted and convenient platforms you can use today:

1. Wise (formerly TransferWise)

Best for: Bank-to-bank transfers with mid-market exchange rates

• Transparent fees
• Real-time exchange rates (no markup)
• Fast transfers (usually 1–2 business days)
• Send directly to PH bank accounts

Sign up for Wise

2. Remitly

Best for: Speed and cash pickup

• Offers Express and Economy options
• Can deliver in minutes (Express)
• Send to banks, GCash, or cash pickup (Cebuana, Palawan, M Lhuillier)
• New users often get fee-free first transfer

Try Remitly Here

3. Western Union

Best for: Global coverage and in-person cash pickup

• Send online, through app, or at a location
• Cash pickup in thousands of branches in PH
• Higher fees, but very reliable for rural areas

4. WorldRemit

Best for: Sending to mobile wallets like GCash or PayMaya

• Fast transfers to e-wallets
• Flat fees, reasonable exchange rates
• Delivery in minutes for some partners

5. Xoom (by PayPal)

Best for: PayPal users or sending from a linked bank account

• Linked to your PayPal account
• Fast bank deposits or cash pickup
• Fees vary, so compare before sending

Need your recipient’s bank SWIFT or BIC code? Check out our complete list of SWIFT codes and bank identifiers in the Philippines to ensure smooth international transfers.

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Comparison Table (2025)

Service	Speed	Fees	Payout Options	First-Time Promo
Wise	1–2 days	Low, transparent	Bank Deposit	Usually no promo
Remitly	Minutes–1 day	Medium–Low	Bank, GCash, Cash Pickup	Fee-free first transfer
Western Union	Minutes–2 days	High	Cash Pickup, Bank	Occasional codes
WorldRemit	Minutes–1 day	Low	GCash, Bank, PayMaya	Welcome bonus
Xoom	Minutes–1 day	Varies	Bank, Cash Pickup	First transfer discount

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Step-by-Step: Sending via Wise (Example)

1. Create an account at Wise.com
2. Enter the amount and select PHP as the receiving currency
3. Add your recipient’s bank details (BDO, BPI, Metrobank, etc.)
4. Fund the transfer using your US/Canada bank or debit card
5. Confirm and track in real-time

Tip: Wise shows you exact fees and delivery estimates upfront.

Tips to Save on Fees and Get More Pesos

• Compare fees AND exchange rates — sometimes lower fees = worse rate
• Send in larger amounts less frequently to reduce flat fees
• Avoid paying with credit card unless needed (higher fees)
• Use promos for first-time transfers (Remitly, Xoom often offer deals)
• Send during weekdays to avoid weekend processing delays

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Final Thoughts: Which One Should You Use?

Here’s a quick recommendation based on your needs:

• Best Overall Value: Wise
• Fastest Delivery: Remitly Express / Xoom
• Send to Mobile Wallets: WorldRemit
• First-Time Sender Bonus: Remitly

Sending money home shouldn’t be complicated — and with the right service, you can make sure every peso counts.

Try Wise or Remitly today and support your family faster, safer, and smarter.

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