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🇺🇸 🇵🇭 Best Way to Send Money from USA to Philippines (2026)
Last updated: April 2026 · Rates are estimates for comparison purposes
Quick answer: Remitly and Wise are the best options for sending money from the USA to the Philippines. Remitly is fastest (minutes) with strong cash pickup coverage. Wise is cheapest for bank deposits using the real USD/PHP rate.
🏆 Lowest CostBest overall for USD → PHP
W
Wise
Best for low fees and the real exchange rate
Send USD 300.00 → receive
₱16,635
Total fees: USD 2.95 · 1–2 days
Send with Wise →16M+ customers worldwide
USA to Philippines Transfer Comparison — Fees, Rates & Speed (USD to PHP)
How Much Does It Cost to Send Money from USA to Philippines?
USD
→
₱16,635
Best rate · via Wise
Rates are estimates based on approximate mid-market rates. Actual amounts may vary. Always verify with your provider before sending.
Is Wise Better Than Western Union for USA to Philippines?
Fastest delivery
Urgent transfers
W
Western Union
Minutes–1 day · fees USD 417.40
They receive: ₱16,025
Send with Western Union →Cash pickup
Recipient collects cash
R
Remitly
Minutes–hours · fees USD 169.98
They receive: ₱16,383
Send with Remitly →Large transfers
Sending over $1,000
W
Wise
1–2 days · fees USD 2.95
They receive: ₱16,635
Send with Wise →Frequently Asked Questions — USA to Philippines Money Transfers
Remitly has the top-rated app for USA to Philippines with fast delivery and cash pickup at SM, Palawan, and LBC. Wise is best for low-cost bank deposits.
Compare Other Money Transfer Corridors
Disclaimer: Rates and fees shown are estimates based on publicly available provider information and are for comparison purposes only. Actual rates may vary based on payment method, amount, and destination. Always verify the final rate and fees directly with your chosen provider before sending. SendMoneySmart may earn affiliate commissions when you click provider links — at no extra cost to you. Operated by Albor Digital LLC, Wyoming, USA. Contact: contact@albor.digital