Best Way to Send Money from USA to Philippines

Compare live USD to PHP exchange rates and fees from top providers. Find the cheapest and fastest way to send money from the United States to the Philippines.

What is the cheapest way to send money from USA to Philippines?

The cheapest way to send money from USA to Philippines is through Remitly, Wise, or Xoom, which offer competitive USD to PHP rates with fees as low as $0–$3. Remitly is especially popular for this corridor with frequent promotional rates and instant delivery to GCash and bank accounts.

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Click "Compare Rates" to see live exchange rates from 15+ providers for USD to PHP transfers.

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Tips for Sending Money from USA to Philippines

  • Remitly is the top-rated provider for USD to PHP — offers instant delivery to GCash and major Philippine banks.
  • GCash and Maya (PayMaya) wallet transfers are instant 24/7 and often free to receive for the recipient.
  • Use ACH bank transfer funding to avoid the 2026 US excise tax on cash-funded remittances.
  • Western Union and Remitly both have extensive cash pickup networks across Philippine provinces.

Regulatory Information

US transfers subject to FinCEN regulations. The 1% federal excise tax (2026) applies to cash-funded transfers — use bank ACH to avoid it. BSP (Bangko Sentral ng Pilipinas) regulates receiving end.

Frequently Asked Questions: USA to Philippines Transfers

How long does a money transfer from USA to Philippines take?
Remitly and Western Union offer instant delivery to GCash, PayMaya, and select bank accounts. Standard bank deposits take 1–2 business days. Cash pickup is available within minutes at pawnshops and partner locations.
Can I send money to GCash from the USA?
Yes, Remitly, Western Union, and Xoom all support direct transfers to GCash wallets in the Philippines. Delivery is usually instant and available 24/7.
What is the current USD to PHP exchange rate?
USD to PHP rates change constantly. Use our live comparison tool to see real-time rates from all major providers. Wise typically offers rates closest to the mid-market rate.

Rates and provider data updated daily. Page last reviewed: March 2026.

Reviewed by Tarika Chandel