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Wise
Send with Wise — mid-market rate + transparent fee
Wise is the lowest-spread provider in most OFW corridors. Open a free Wise account and send your first transfer.
Send with Wise →§ 14 · live tool
OFW Remittance Compare
Wise, Remitly, Western Union, and GCash International — side-by-side. Pick your source country, enter how much you're sending, and see what your recipient actually gets in PHP after the rate and the fee.
Your transfer
Quotes are a curated weekly snapshot — not a live API. The relative ranking is stable; the absolute amounts may shift a percent or two day-to-day.
Best deal: Wise
₱60,886
If you got the mid-market rate: ₱61,140 · Savings: ₱1,684 vs the worst provider in this snapshot
| Provider | Rate (PHP/1) | Fee | Recipient gets | Spread vs mid |
|---|---|---|---|---|
| WiseBEST | 61.1000 | $3.50 | ₱60,886 | 0.07% |
| Remitly (Economy) | 60.5000 | $0.00 | ₱60,500 | 1.05% |
| GCash International | 60.0000 | $3.00 | ₱59,820 | 1.86% |
| Western Union (online) | 59.5000 | $5.00 | ₱59,203 | 2.68% |
Live rates move daily. Use this to compare providers, then check the latest quote on each platform before sending.
Snapshot as of 2026-05-18
Where to next?
Partner offer
Receive in
Park the peso in a high-yield digital bank
Once the remittance lands, don't let it idle in a 0.25% savings account. Maya, GoTyme, and SeaBank pay 4–6.5% on demand.
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OFW life and health insurance
Term-life and HMO coverage built for OFWs and their families back home. Quote in 60 seconds.
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How it works
For each provider we compute recipient_php = (send_amount − fee) × provider_rate.
The mid-market rate is shown above the table for reference — it's the wholesale rate
banks use with each other, and no consumer service actually offers it. Every provider
adds a spread on top.
We rank by what your recipient actually receives, not by the headline rate or fee alone. A zero-fee transfer with a 3% spread is usually worse than a $3 fee with a 0.1% spread once the amount crosses $200.
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Frequently asked questions
Which provider is cheapest for sending PHP?
It depends on the corridor and amount. In our latest snapshot, Wise typically wins on USD and SGD because its rate sits closest to the mid-market. Remitly Economy waives the fee but takes a wider spread — sometimes that nets better at small amounts. Western Union's online portal is usually the most expensive once you factor in both the rate and the fee.
What is 'spread vs mid'?
The mid-market rate is the wholesale rate banks use with each other — what you see on Google or XE. Every consumer remittance provider marks that up. Spread is how much worse the provider's rate is than mid, expressed as a percentage. A 0.5% spread is excellent; 3%+ is expensive. We show this column so you can see the hidden cost beyond the visible fee.
Why only USD, SGD, AED, and HKD?
These are the four highest-volume OFW corridors to the Philippines. Together they cover roughly 70% of remittance inflows. We're working on adding SAR (Saudi), JPY (Japan), and CAD (Canada) in upcoming weeks.
Are these live rates?
No. This is a curated weekly snapshot, not a live API. The absolute amounts may shift a percent or two day-to-day, but the relative ranking between providers is stable. Use this to decide which provider to check first, then confirm the final quote on each platform before sending.
When should I use cash pickup vs bank deposit vs GCash?
Bank deposit and GCash usually give the best rates because they're cheaper for the provider to fulfill. Cash pickup (Cebuana, MLhuillier, BPI counter) adds a payout fee but is faster if the recipient doesn't have a bank or e-wallet. For amounts above ₱100K, prefer bank deposit — cash pickup limits and AML scrutiny kick in fast.
Does this save or transmit my data?
No. Everything runs in your browser. We don't collect, store, or transmit any of your inputs.
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Sources & references
From official issuer, regulator, and data-provider sites. Verify any figure against the primary source before acting on it.