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Compare digital banks →Total upfront cost + typical processing time for 10 top OFW destinations. Visa fee + Manila-side clearances (DFA, NBI, OWWA, PhilHealth, PDOS) + medical + agency placement fee.
| Visa / work permit fee | ₱10,800 |
| Destination-accredited medical exam | ₱5,000 |
| Document attestation / apostille | ₱4,500 |
| DFA passport renewal | ₱950 |
| NBI clearance | ₱130 |
| DMW PDOS (orientation seminar) | ₱150 |
| OWWA membership ($25) | ₱1,400 |
| PhilHealth (annual upfront) | ₱2,400 |
| Agency placement fee | ₱20,000 |
| Total upfront cost | ₱45,330 |
Saudi e-visa + work permit issued by Saudi employer. Most workers go through DMW-licensed agency. Domestic workers exempt from placement fee per RA 10022.
Tool reviewed 2026-06-15
Maya, GoTyme, CIMB, SeaBank — high-yield savings on your idle peso, no maintaining balance.
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Compare quotes →Visa fee is the official charge from the destination country's consulate or immigration department. For Gulf placements, this is often shouldered by the employer (recovered via salary deduction).
Destination medical is the medical exam at a DMW-accredited clinic, scoped to what the destination requires (e.g. Gulf countries require Hepatitis, HIV, TB screens; some require chest X-ray + drug test).
OWWA membership ($25 ≈ ₱1,400) is mandatory for all OFWs under RA 10801 — funds emergency repatriation and welfare services. Valid for 2 years.
PhilHealth annual minimum contribution (₱2,400 for OFWs) is mandatory under RA 11223. Most destinations now require proof before exit clearance.
Agency placement fee is capped at one month's basic salary under RA 10022. Domestic workers (HSW) are exempt — they pay ₱0 in placement fee by law.
Pure browser math. Doesn't include: airline ticket, baggage excess, employer-shouldered visa stamping (varies by country), or ongoing remittances and PAG-IBIG.
Two reasons. (1) Saudi visa fees + Saudi-side medical are subsidized or paid by the employer for most domestic-worker and construction contracts — under Saudi labor law, the kafala-system employer covers visa stamping. (2) Canada and Australia require English-language proficiency (IELTS ₱14,000) and biometrics fees that don't exist for Gulf placements. Total upfront from PH side: ~₱18K for Saudi vs ~₱45K for Canada vs ~₱42K for Australia.
No. Direct hires (where you found the employer yourself, no middleman) pay zero agency placement fee. You still pay all PH-side processing (DFA passport, NBI, PDOS, OWWA, PhilHealth) but skip the ~₱20K agency cost. Uncheck the 'Going through agency' box in the calculator. Note: direct-hire OEC processing at DMW used to require a Direct Hiring Section endorsement; this is now streamlined for many destinations.
UAE: 1–2 months (fastest, well-oiled visa machine). Saudi Arabia: 2–4 months (paperwork through Saudi consulate). Singapore / Hong Kong: 1–2 months once employer sponsorship is approved by MOM / HK Immigration. Japan SSW: 3–6 months (JLPT/JFT scheduling, sector skills test). South Korea EPS: 6–12 months (depends on annual EPS-TOPIK exam cycle and Korean employer match). Canada: 3–8 months (LMIA, IELTS, biometrics). Italy: 6–18 months (Decreto Flussi annual quota lottery). US EB visa: typically over 2 years and can stretch 5+ years due to PH retrogression.
Italy uses an annual Decreto Flussi system — the Italian government opens a fixed quota of work permits each year (≈80K–100K total worldwide), and applications must be filed during a narrow window. The Italian employer files a nulla osta (work authorization), which can take 6+ months to approve, and then you file the D visa from Manila. For nurses, you also need to register with Ministero della Salute (separate process). It's slow but worth it: Italian permesso di soggiorno leads to PR in 5 years.
Most agency placements front-load the costs in the first 30 days. PH-side (DFA, NBI, OWWA, PhilHealth, PDOS, medical) is paid by you in cash before deployment. Destination visa fees are usually paid by the employer (Gulf, Singapore, HK) — they recover via salary deduction over 6–24 months. For Canada/Australia/US/Italy, you typically pay the visa fee yourself. Agency fee under RA 10022 cannot exceed 1 month's basic salary and is paid before deployment, often via the agency's installment plan.
Yes — RA 10022 (amended Migrant Workers Act) caps the placement fee at one month of basic salary for skilled workers, and ₱0 for household service workers (domestic workers exempt). The ₱20K figure in this calculator is a conservative typical placement fee for skilled OFW workers — some agencies charge less; charging more than the legal cap is illegal. If quoted higher, ask the agency for their DMW license and the breakdown.
Yes. OWWA membership ($25 ≈ ₱1,400) is mandatory for all OFWs under RA 10801 — it funds emergency repatriation, scholarships, and welfare programs. PhilHealth contribution (₱2,400 annual minimum for OFWs) is also mandatory per RA 11223 — many destinations now require proof of PhilHealth coverage before exit clearance. Both are valid for 2 years after which they need renewal.
No. All math runs in your browser. Your destination, passport tier, agency status — none of it leaves your device.
From official issuer, regulator, and data-provider sites. Verify any figure against the primary source before acting on it.