Compare USD to PHP exchange rates and fees (United States to Philippines)
Sending money from the United States to Philippines? Different providers pair very different fees with very different USD→PHP exchange rates, so a low fee does not always mean the best deal. The table below ranks the providers that serve this route by how much your recipient actually receives for a £500 transfer, using live rates.
Live USD → PHP comparison
Updated 07/10/2026, 08:11:25| Provider | Exchange rate | Recipient gets (£500) | |
|---|---|---|---|
| Ria | 62.33 | ₱31,108.40 | Send |
| TapTapSend | 62.20 | ₱31,100.00 | Send |
| LemFi | 62.30 | ₱31,087.70 | Send |
| MoneyGram | 62.28 | ₱31,018.30 | Send |
| Western Union | 61.76 | ₱30,880.45 | Send |
| Wise | 62.76 | ₱30,790.28 | Send |
| Remitly | 60.82 | ₱30,408.78 | Send |
How to send money from the United States to Philippines
- Compare providers for your amount — the table above ranks them by how much your recipient actually receives after fees.
- Choose how you'll pay (bank transfer, card, Apple Pay or Google Pay) and how the recipient will be paid.
- Check the PHP amount, not just the fee: a lower fee can still mean less money if the exchange rate is weaker.
- Continue to the provider to send — you confirm the final rate and any ID requirements on their site.
How recipients in Philippines can get paid
Payout options on the USD→PHP route depend on the provider. Common options include:
- Bank deposit — into the recipient's bank account in Philippines
Payout partners and availability can change — always confirm with the provider before sending.
Typical delivery times
- Mobile wallet — often within minutes.
- Cash pickup — from minutes to the same day, depending on the agent.
- Bank deposit — usually within 1–2 business days.
- Card deposit — usually within minutes.
What affects how much they receive
Two things decide the amount: the provider's fee and the exchange rate it applies. Many providers advertise a low or zero fee but make up for it with a weaker rate. MyRateChecker expresses every rate as a margin against the live mid-market rate, so providers are compared on the same basis and ranked by the total your recipient receives after fees. See our methodology.
Providers compared on this route
- Western Union — The largest cash-pickup and agent network.
- MoneyGram — Broad bank and cash payout coverage.
- Remitly — New-customer promotional rates with fast mobile-money and cash payouts.
- TapTapSend — Strong value on many African and Asian routes.
- LemFi — Competitive rates on several emerging-market routes.
- Ria — Bank, cash and mobile payouts in one place.
- Wise — Converts at the mid-market exchange rate with a separate, transparent fee.
Frequently asked questions
How much does it cost to send money from the United States to Philippines?
Costs vary by provider. The table above shows each provider's live USD→PHP exchange rate and fee for a £500 transfer, so you can see exactly how much your recipient receives. Open the full comparison to change the amount.
What is the best USD to PHP exchange rate today?
The best USD→PHP option is the one that delivers the most PHP after fees — not necessarily the highest headline rate. We rank providers by the amount your recipient actually gets, so the top row above is currently the strongest offer.
Which providers can I use to send money to Philippines?
We compare Western Union, MoneyGram, Remitly, TapTapSend, LemFi, Ria, Wise. Live availability and pricing for the United States–Philippines corridor are shown in the table above.
How long does a transfer from the United States to Philippines take?
Delivery time depends on the payout method. Bank deposits usually arrive within 1–2 business days, while cash pickup, mobile money and some instant options can be available within minutes. Each provider's estimate is shown when you continue to their site.
Is it cheaper to send money to Philippines by bank transfer or card?
Bank transfer (open banking) is usually the cheapest way to fund a USD→PHP transfer. Debit and credit cards typically add a fee, so use them mainly for speed or convenience — the pay-in filter in the full comparison shows each option.
How much will my recipient get for a £500 transfer to Philippines?
The table above ranks providers by the PHP your recipient actually receives for £500 after fees, using live rates. The best option is at the top, and the difference between the best and weakest provider shows how much your choice matters.
Compare other routes
Filter by card, bank transfer, cash pickup and more — and change the amount.