Best USD to PHP Transfer Rates and Fees

Compare current provider estimates for sending money from United States to Philippines

12 provider estimates available for this corridor

Strongest New User recipient estimate

$1,000 USD = 62,880 PHP

via Unplex

Provider eligibility, payout method, and checkout timing can change the final quote.

USD

PHP

Transfer Amount

$100$50,000

Sending

$1,000 USD

Current comparison

$1,000 USD to PHP

Change

USD

PHP

Transfer Amount

$100$50,000

Sending

$1,000 USD

USD to PHP Provider Rate Comparison

Showing 12 provider estimates for sending $1,000 USD. Confirm fees and payout method at provider checkout.

Current Estimates·Updated 16 Jun 2026·12 usable estimates loaded

Why do rates differ? Each provider sets their own markup, fees, payout rails, and promo rules. The "You receive" column is the quickest way to compare the loaded outcome after costs.

Sort results by

New User rates are shown first when available. Standard rates compare repeat-user pricing.

TOP

Unplex

Recipient Gets

62,880PHP

Best New User rate

Rate

62.88

Fee

USD 2.99

You Send

USD 1,000

Standard users get60,380 PHP

Check current quote

Remitly

New User rate

#2 loaded estimate

Recipient Gets

61,740PHP

vs top

-1,140

Rate

61.74

Fee

FREE

You Send

USD 1,000

Standard users get58,490 PHP

Check Remitly quote

Sendwave

Best Standard rate

#3 loaded estimate

Recipient Gets

61,616.96PHP

vs top

-1,263.04

Rate

61.62

Fee

FREE

You Send

USD 1,000

Check Sendwave quote

WorldRemit

New User rate

Recipient Gets

60,674PHP

vs top

-2,206

Rate

60.67

Fee

FREE

You Send

USD 1,000

Standard users get60,099.1 PHP

Check WorldRemit quote

Paysend

Recipient Gets

60,381.4PHP

vs top

-2,498.6

Rate

60.38

Fee

USD 5.66

You Send

USD 1,000

Check Paysend quote

Panda Remit

Recipient Gets

60,226.7PHP

vs top

-2,653.3

Rate

60.23

Fee

FREE

You Send

USD 1,000

Check Panda Remit quote

Taptap Send

Recipient Gets

60,000PHP

vs top

-2,880

Rate

60.00

Fee

FREE

You Send

USD 1,000

Check Taptap Send quote

CurrencyFair

Recipient Gets

59,965PHP

vs top

-2,915

Rate

60.05

Fee

USD 1.33

You Send

USD 1,000

Check CurrencyFair quote

XE Money Transfer

Recipient Gets

59,759.4PHP

vs top

-3,120.6

Rate

59.76

Fee

FREE

You Send

USD 1,000

Check XE Money Transfer quote

Wise

Recipient Gets

59,640.09PHP

vs top

-3,239.91

Rate

60.40

Fee

USD 12.65

You Send

USD 1,000

Check Wise quote

Western Union

Recipient Gets

58,708.3PHP

vs top

-4,171.7

Rate

58.71

Fee

USD 31.99

You Send

USD 1,000

Check Western Union quote

OFX

Recipient Gets

57,790.9PHP

vs top

-5,089.1

Rate

57.79

Fee

FREE

You Send

USD 1,000

Check OFX quote

Provider	Exchange Rate	Fee	You Send	Recipient Gets	Action
Unplex Best New User rate	62.88 60.38	USD 2.99 USD 2.99	USD 1,000	62,880 PHP 60,380 PHP	Continue
2 Remitly New User rate	61.74 58.49	FREE FREE	USD 1,000	61,740 PHP 58,490 PHP 1,140 less	Continue
3 Sendwave Best Standard rate	61.62	FREE	USD 1,000	61,616.96 PHP 1,263.04 less	Continue
4 WorldRemit New User rate	60.67 60.10	FREE FREE	USD 1,000	60,674 PHP 60,099.1 PHP 2,206 less	Continue
5 Paysend	60.38	USD 5.66	USD 1,000	60,381.4 PHP 2,498.6 less	Continue
6 Panda Remit	60.23	FREE	USD 1,000	60,226.7 PHP 2,653.3 less	Continue
7 Taptap Send	60.00	FREE	USD 1,000	60,000 PHP 2,880 less	Continue
8 CurrencyFair	60.05	USD 1.33	USD 1,000	59,965 PHP 2,915 less	Continue
9 XE Money Transfer	59.76	FREE	USD 1,000	59,759.4 PHP 3,120.6 less	Continue
10 Wise	60.40	USD 12.65	USD 1,000	59,640.09 PHP 3,239.91 less	Continue
11 Western Union	58.71	USD 31.99	USD 1,000	58,708.3 PHP 4,171.7 less	Continue
12 OFX	57.79	FREE	USD 1,000	57,790.9 PHP 5,089.1 less	Continue

Keep watching USD to PHP

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Keep the route research short

Use the comparison first. Open the sections below only if you still need timing, safety, or route guidance before you send.

Timing and rate context

Use Rate Pulse to spot recent corridor movement, then set an alert if timing matters more than immediate delivery.

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How to send this route

1. Compare your exact send amount before you shortlist a provider.
2. Check payout method, delivery speed, and total recipient amount.
3. Complete ID verification before you need the transfer urgently.
4. Confirm the final quote on provider checkout before sending.

Safety checks

Strong providers still vary by corridor, amount, and payout method. Use our policy pages to understand how results are gathered and ranked.

Methodology Editorial standards

How Much to Send for Exact PHP Amount?

Recipient Gets Exactly...

Enter how much your recipient needs in PHP. We'll show how much you need to send.

₱PHP

Unplex

Cheapest New User

$1,004.90

You send (USD)

Remitly

$1,020.41

You send (USD)

Sendwave

$1,022.45

You send (USD)

WorldRemit

$1,038.34

You send (USD)

Panda Remit

$1,046.05

You send (USD)

Paysend

$1,049.03

You send (USD)

Taptap Send

$1,050.00

You send (USD)

CurrencyFair

$1,050.55

You send (USD)

XE Money Transfer

$1,054.23

You send (USD)

Wise

$1,055.62

You send (USD)

OFX

$1,090.14

You send (USD)

Western Union

$1,105.09

You send (USD)

Save $100.19 by choosing Unplex over Western Union

How to Send Money from USD to PHP

1. Compare Current Options

Use our comparison tool above to review available USD to PHP quotes from Wise, Remitly, WorldRemit, Western Union, Sendwave and more. Enter your exact amount to estimate what your recipient may get.

2. Choose Your Provider

Select based on rate, fees, and transfer speed. Popular choices for USD to PHP transfers include Wise, Remitly, WorldRemit. First-time users often get promotional rates.

3. Sign Up & Verify

Create an account with your chosen provider. You'll need government-issued ID for verification. This one-time process typically takes 5-10 minutes and ensures secure transfers to Philippines.

4. Send Money

Enter recipient details and pay via bank transfer, debit or credit card. Bank transfers offer better rates, while cards are faster. Most USD to PHP transfers arrive within 1-3 business days.

Market Analysis: USD/PHP Exchange Rate

The USD to PHP exchange rate is influenced by economic factors in both United States and Philippines. Key factors include central bank interest rates, inflation levels, trade balances, and political stability.

Remittances from United States to Philippines form a significant portion of Philippines's economy. Online providers may be cheaper than some banks on this route, but savings depend on the provider quote, fees, funding method, and payout option.

Understanding USD to PHP Rates

What is a Good USD to PHP Rate?

A competitive USD to PHP quote should be judged against the mid-market benchmark after fees are included. Online providers, banks, and cash-pickup services can price differently, so compare the recipient estimate and final checkout terms before sending.

How Providers Differ

Wise is useful for transparent bank-transfer pricing. Remitly may be competitive when promotions, speed, or wallet delivery matter. Western Union can be relevant where cash pickup matters. The strongest option depends on amount and payout method.

Common Mistakes to Avoid

✗Using bank wire transfers without checking both the fee and exchange-rate margin
✗Not comparing providers before each transfer — rates change daily
✗Forgetting to check both the exchange rate AND the fee together
✗Sending during Philippine bank holidays when processing is delayed

Best Practices

✓Compare rates from multiple providers for each transfer
✓Use bank transfer as funding method for the lowest fees
✓Consider GCash or Maya delivery for instant receipt in the Philippines
✓Set up rate alerts to transfer when USD strengthens against PHP

Related Resources

Send money to Philippines guide →Wise vs Remitly comparison →Best way to send money to Philippines →

Tips to Get the Best USD to PHP Rate

Compare rates from multiple providers - differences can be significant for USD to PHP transfers.

Use bank transfer instead of debit/credit cards when the final quote is better for larger amounts.

Avoid airport currency exchange counters unless you have compared the final rate and fee against online options.

Set up rate alerts to get notified when USD/PHP rate improves.

First-time transfer limits are often lower - consider this when choosing a provider.

Read reviews about transfer speed to Philippines for your chosen provider.

USD to PHP Transfer Speed Comparison

Payment Method	Transfer Speed	Best For
Debit Card	Minutes to 24 hours	Urgent transfers, small amounts
Credit Card	Minutes to 24 hours	Emergency transfers (higher fees)
Bank Transfer	1-3 business days	Large amounts, best rates
First-time Transfer	+1-2 days (verification)	Add time for identity verification

Note: Transfer speeds vary by provider. Check the comparison table above for specific delivery times to Philippines.

Safety & Regulation for USD to PHP Transfers

Regulatory Compliance

All money transfer providers on our site are regulated by financial authorities. US-based services are regulated by FinCEN and state regulators.These regulations ensure your money is protected and transfers are secure.

Security Measures

Reputable providers use encryption, two-factor authentication, and fraud monitoring systems. Safeguarding, refund rights, and support processes vary by provider and jurisdiction, so confirm the terms before sending. Never share your password or verification codes with anyone, including provider staff.

Consumer Protection

If something goes wrong, regulated providers must follow complaint procedures and may be covered by financial protection schemes. Keep records of all transfers, including confirmation emails and reference numbers. Most disputes are resolved within 15 business days when proper documentation is provided.

Business Transfers: USD to PHP

Sending USD to PHP for your business? These providers offer business accounts with features like batch payments, API access, multi-currency accounts, and competitive FX rates for higher volumes.

Wise

Personal & Business

Batch Payments

API

Multi-Currency

0.41% - 2% · 1-2 business days · 80+ countries

Review Visit Site

Remitly

Personal & Business

Batch Payments

API

$0 - $4.99 · Minutes to 3-5 days · 170+ countries

Review Visit Site

XE Money Transfer

Personal & Business

Batch Payments

FX Hedging

No transfer fees (rate margin applies) · 1-4 business days · 130+ countries

Review Visit Site

OFX

Personal & Business

Batch Payments

API

FX Hedging

No transfer fees (rate margin applies) · 1-5 business days · 170+ countries

Review Visit Site

TorFX

Personal & Business

API

FX Hedging

No transfer fees (margin on rate) · 1-2 business days · 50+ countries

Review Visit Site

Airwallex

Business Only

Batch Payments

API

Multi-Currency

FX Hedging

From 0.5% FX markup (reducing with volume) · Same day to 2 business days · 150+ countries

Review Visit Site

Compare all business payment providers

USD/PHP & Forex News

View all

ForexLive

about 1 hour ago

China house prices May 2026 -3.5% y/y (prior -3.5%)

Chinese House Price Index for May 2026 -3.5% y/yprior -3.5%The m/m is -0.2%prior -0.1%-Weak house prices feed into weak consumer sentiment and demand. Not a good spiral for China. -I posted this yesterday on strenuous efforts from China:Chinese municipalities ramp housing subsidies, provident fund...

Read full article

FXStreet

about 1 hour ago

PBOC sets USD/CNY reference rate at 6.8108 vs. 6.8088 previous

On Tuesday, the People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead at 6.8108 compared to the previous day's fix of 6.8088 and 6.7605 Reuters estimate.

Read full article

FXStreet

about 1 hour ago

Japanese Yen drifts higher ahead of BoJ rate decision

The USD/JPY pair declines to around 160.15 during the Asian trading hours on Tuesday. The Japanese Yen (JPY) strengthens against the US Dollar (USD) following a deal to reopen the Strait of Hormuz. All eyes will be on the Bank of Japan (BoJ) interest rate decision later on Tuesday.

Read full article

Frequently Asked Questions: USD to PHP

The strongest USD to PHP recipient amount varies by provider, amount, payout method, and timing. Use the comparison table above to review current provider estimates, then confirm the final checkout quote before sending.

The total cost usually includes the exchange-rate margin and any transfer fee. The comparison table estimates recipient amounts for the selected route and amount where providers return quotes; confirm the final amount at provider checkout.

The cheapest route depends on amount, funding method, payout method, provider eligibility, and exchange-rate margin. Compare current recipient estimates first, then check provider checkout terms before choosing.

Transfer speed varies by provider and payment method. Debit/credit card payments typically arrive within minutes to 24 hours. Bank transfers take 1-3 business days but often offer better rates. First-time transfers may take longer due to verification requirements. Check our comparison table above for specific transfer times from each provider.

Provider regulation varies by entity and country. We aim to list established services and surface known regulator references where available, but you should verify the provider licence, jurisdiction, payout method, and final checkout terms for your route.

In most cases, sending your own money abroad is not taxable. However, recipients may need to declare large amounts to local tax authorities. If you're sending money as a gift or inheritance, different rules may apply. We recommend consulting a tax professional for specific advice on your situation.

You'll typically need: (1) Your identification (passport or driver's license), (2) Recipient's full name, (3) Recipient's bank account details or mobile wallet number, (4) Recipient's address, (5) Purpose of transfer. First-time senders may need to verify their identity with additional documents.

Cancellation policies vary by provider and how far the transfer has progressed. Most providers allow cancellation within 30 minutes to a few hours if the money hasn't been sent. Once the money is in transit or received, cancellation is usually not possible. Always double-check recipient details before confirming.

Exchange rates fluctuate based on economic factors including interest rates, inflation, political stability, and market demand. Rates can change multiple times per day, so treat comparison data as a current estimate and confirm the final quote before sending.

The mid-market rate is a useful benchmark, but provider customer rates can include margins, fees, funding costs, and payout-method effects. Compare the current recipient estimate and then verify the final provider quote before sending.

Related Currency Routes

Compare rates for other popular money transfer corridors. Find the best exchange rates for sending money internationally.

Other Ways to Send to Philippines

GBP to PHPfrom United Kingdom

CAD to PHPfrom Canada

AUD to PHPfrom Australia

EUR to PHPfrom Eurozone

SGD to PHPfrom Singapore

AED to PHPfrom United Arab Emirates

View all routes to Philippines

Other Destinations from United States

USD to INRto India

USD to PKRto Pakistan

USD to BDTto Bangladesh

USD to MXNto Mexico

USD to JPYto Japan

USD to CNYto China

Most Popular Money Transfer Routes

These are the most searched currency exchange corridors. Open a route to request current quote estimates from listed providers like Wise, Remitly, and WorldRemit.

GBPINR USDINR EURINR GBPPHP CADINR

USD to PHP Guides & Tips

Currency Guides

Best Ways to Send Money to the Philippines 2026: Providers & Fees

Compare supported providers for Philippines transfers, including bank, wallet, and cash pickup options. Check current USD/GBP to PHP estimates before checkout.

Read guide →

Ready to Send USD to PHP?

Review current quotes above and choose the provider that fits your transfer. Most transfers complete within 1-3 business days.

Compare All USD to PHP Providers

Best USD to PHP Transfer Rates and Fees

USD to PHP Provider Rate Comparison

Unplex

Remitly

Sendwave

WorldRemit

Paysend

Panda Remit

Taptap Send

CurrencyFair

XE Money Transfer

Wise

Western Union

OFX

Keep watching USD to PHP

Keep the route research short

How Much to Send for Exact PHP Amount?

Recipient Gets Exactly...

How to Send Money from USD to PHP

1. Compare Current Options

2. Choose Your Provider

3. Sign Up & Verify

4. Send Money

Market Analysis: USD/PHP Exchange Rate

Understanding USD to PHP Rates

What is a Good USD to PHP Rate?

How Providers Differ

Common Mistakes to Avoid

Best Practices

Related Resources

Tips to Get the Best USD to PHP Rate

USD to PHP Transfer Speed Comparison

Safety & Regulation for USD to PHP Transfers

Regulatory Compliance

Security Measures

Consumer Protection

Business Transfers: USD to PHP

USD/PHP & Forex News

China house prices May 2026 -3.5% y/y (prior -3.5%)

PBOC sets USD/CNY reference rate at 6.8108 vs. 6.8088 previous

Japanese Yen drifts higher ahead of BoJ rate decision

Frequently Asked Questions: USD to PHP

What is the best USD to PHP exchange rate today?

How much does it cost to send money from United States to Philippines?

Which is the cheapest way to send USD to PHP?

How long does a USD to PHP transfer take?

Is it safe to send money from United States to Philippines online?

Do I need to pay tax on money sent from United States to Philippines?

What information do I need to send USD to PHP?

Can I cancel a USD to PHP transfer?

Why do USD to PHP rates change?

What's the difference between the mid-market rate and the rate I get?

Related Currency Routes

Other Ways to Send to Philippines

Other Destinations from United States

Most Popular Money Transfer Routes

USD to PHP Guides & Tips

Best Ways to Send Money to the Philippines 2026: Providers & Fees

Ready to Send USD to PHP?