{"id":9992,"date":"2025-09-10T16:27:55","date_gmt":"2025-09-10T08:27:55","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=9992"},"modified":"2026-02-17T21:23:41","modified_gmt":"2026-02-17T13:23:41","slug":"the-best-way-to-send-money-to-the-philippines","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/the-best-way-to-send-money-to-the-philippines.html","title":{"rendered":"The Best Way to Send Money to The Philippines"},"content":{"rendered":"<p>Transferring money from one country to another can be expensive because of the high exchange rates and transfer fees. Moreover, if you are looking for ways to send money to the Philippines from the US, you will be glad to know that several tech platforms made this process easy and cost-effective.<\/p>\n<p>Are you looking to send money to a family member or friend living in the Philippines? In this <a href=\"https:\/\/www.pacificprime.com\/\">Pacific Prime<\/a> article, we will discuss the best ways to send money to the Philippines, along with some tips on how to avoid expensive transfer fees.<\/p>\n<div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n\n<h2>Money Transfer Partners<\/h2>\n<p><img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/idyllic-beach-at-cauayan-island-resort.jpg\" alt=\"Idyllic Beach At Cauayan Island Resort\" \/><\/p>\n<p>According to the<a href=\"https:\/\/psa.gov.ph\/statistics\/survey\/labor-and-employment\/survey-overseas-filipinos\"> Philippines Statistics Authority<\/a>, the total remittance sent to the Philippines in 2021 was around USD $83 billion, making it one of the top countries for receiving remittances in the world. However, the transfer fees still remain to be high, and here\u2019s why\u2026<\/p>\n<p>For many years now, the money transfer industry has been slapped with regulations related to anti-money laundering and national security and controlled by other powerful industries.<\/p>\n<p>However, in recent years the industry has been experiencing a shift with new players challenging the old ways and disrupting the industry.<\/p>\n<p>FinTech has completely transformed the way money transfers work. It makes the whole process more transparent and tells you how much you are being charged every step of the way.<\/p>\n<p>But mind you, it&#8217;s still a business, and the best FinTech companies are also looking after their own profits, so you will still be charged a slight amount for transferring money from one country to another.<\/p>\n<p>Let\u2019s take a look at the two different ways money transfer companies make money: one is via currency exchange rate margins, and two, transfer fees. Here\u2019s how it works:<\/p>\n<p>\u201cBanks and money transfer companies usually offer exchange rates that are similar to the mid-market rates, which are the rates you see on websites like XE.com or Google. However, these companies often offer customers a lower exchange rate than the one they get themselves. For example, if the money transfer company gets a rate of 1 USD\/50 PHP, they might offer their customers a rate of 1 USD\/49 PHP. This means that if you send 100 dollars at this rate, your recipient will receive 4900 pesos. The money transfer company profits from the difference between the two rates, which in this case is 100 pesos.\u201d<\/p>\n<p>Otherwise, money transfer companies make money via a transfer fee, and they charge a flat price for every transaction. Note that some traditional money transfer companies charge both, which can be quite expensive to just send money from one country to another.<\/p>\n<div class='code-block code-block-63' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner.css?ver4.1' type='text\/css' media='all'\/>\n<style>\nh3.banner-insurers-title {\n  width: 170px\n}\n\n@media (min-width: 1200px) {\n  div.banner-insurers-container {\n    background-image: url('https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner  \/img\/blog-banner-philippines-bg.png');\n\n  }\n  div.banner-insurers-card-image img.bupa {\n    width: 50px;\n    height: 50px;\n  }\n  h3.banner-insurers-title {\n    width: 320px\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Philippines -->\n<div class=\"banner-insurers-container\" style=\"background-image: url(https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/blog-banner-philippines-bg-mobile.png);\n\">\n  <h3 class=\"banner-insurers-title\">\n      Our Top Insurance Recommendations <span>for Philippines<\/span>\n  <\/h3>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\" alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"130\" height=\"130\" style=\"width: 50px; height: 50px;\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\" alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div>\n<!-- Blog Banner Philippines ends --><\/div>\n\n<h2>The \u201cHidden Fees\u201d<\/h2>\n<p>Did you know that traditional banks are the most expensive when it comes to transferring money from the US to the Philippines? That is because banks have some of the most unfavorable exchange rates and fees that are hidden. Here are some \u201chidden fees\u201d that you need to keep an eye out for:<\/p>\n<ul>\n<li>Wire transfer fee<\/li>\n<li>Remittance service charges<\/li>\n<li>Foreign transaction fees<\/li>\n<li>SWIFT charges<\/li>\n<li>Returned transfer fee<\/li>\n<li>ACH bank transfer fee<\/li>\n<li>Currency conversion fee<\/li>\n<\/ul>\n<h2>The Average Cost of Sending Money from the US to the Philippines<\/h2>\n<p>Sending money from the US, in USD, to the Philippines will incur a small flat fee of USD $7.43 along with 0.57% of the converted amount.<\/p>\n<p>If you&#8217;ve ever sent money to another country, you might have encountered expensive fees that were not clearly stated at first, such as &#8220;hidden fees&#8221; and &#8220;transfer fees&#8221;. You might have felt like you had no choice but to pay the fee in order to successfully transfer the money.<\/p>\n<p>However, there are some ways to save money while sending money abroad, depending on how urgent the transfer is and several other factors.<\/p>\n<ul>\n<li>The total amount<\/li>\n<li>Payment option<\/li>\n<li>Payout option<\/li>\n<li>Speed of transfer<\/li>\n<\/ul>\n<div class='code-block code-block-39' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_2.jpg\" alt=\"Blog Banner Philippines 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n\n<h2>Is it Possible to Avoid Transfer Fees While Sending Money Abroad?<\/h2>\n<p><img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/dynamic-manila-cityscape.jpg\" alt=\"Dynamic Manila Cityscape\" \/><\/p>\n<p>While it may be difficult to avoid transfer fees every time you send money abroad completely, you can definitely save on the fees. For instance, many money transfer companies offer discounts and offers from time to time, especially if you are a first-time customer.<\/p>\n<p>In a situation like this, you can take advantage of their offers and save or avoid transfer fees. However, if a company offers a free transfer fee, there might be a catch, like lower exchange rates. So, make sure you are not losing out on the best exchange rate possible.<\/p>\n<h2>Best Apps to Send Money to the Philippines<\/h2>\n<p>Over the years, the Philippines has become a hub for money transfer companies, with companies like Western Union and Moneygram being the most popular choice. Here are some other efficient platforms that offer competitive exchange rates and transparent transaction or transfer fees:<\/p>\n<ul>\n<li><a href=\"https:\/\/wise.com\/\">Wise<\/a><\/li>\n<li><a href=\"https:\/\/pangeamoneytransfer.com\/\">Pangea<\/a><\/li>\n<li><a href=\"https:\/\/www.pomelo.com\/\">Pomelo<\/a><\/li>\n<li><a href=\"https:\/\/www.xoom.com\/\">XOOM\u00a0<\/a><\/li>\n<li><a href=\"https:\/\/www.remitly.com\/\">Remitly\u00a0<\/a><\/li>\n<li><a href=\"https:\/\/www.xe.com\/send-money\/\">Xe\u00a0<\/a><\/li>\n<li><a href=\"https:\/\/www.riamoneytransfer.com\/en-us\/\">Ria\u00a0<\/a><\/li>\n<\/ul>\n<div class='code-block code-block-69' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-banner_V2_Philippines.png\" alt=\"Insurers recommendation blog banner Philippines v2\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Philippines - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Top Insurance Recommendations in Philippines\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n\n<h2>Frequently Asked Questions<\/h2>\n<h3>What are the best ways to send money to someone in the Philippines?<\/h3>\n<p>Undoubtedly banks are the best way to send money from one country to another if you are planning to send a huge amount. Otherwise, you could use other trusted money transfer platforms like Western Union, MoneyGram, etc.<\/p>\n<h3>Is there a limit on how much money you send to the Philippines?<\/h3>\n<p>In theory, you should be able to send up to USD $19,000 to the Philippines per day. However, your personal daily limit will depend on the service you choose and your transfer history.<\/p>\n<h3>Why are traditional banks the most expensive when it comes to transferring money from the US to the Philippines?<\/h3>\n<p>Banks have some of the most unfavorable exchange rates as well as hidden fees. This makes traditional banks <strong>the <\/strong>most expensive option in transferring money from the United States to the Philippines.<\/p>\n<div class='code-block code-block-40' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_3.jpg\" alt=\"Blog Banner Philippines 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n\n<h2>Conclusion<\/h2>\n<p>When it comes to sending money to the Philippines, banks are the most expensive due to exchange rates and hidden fees. If you&#8217;re considering using a different money transfer company, make sure to choose one that is open about their fees and charges reasonable rates.<\/p>\n<p>If you&#8217;re planning to move to the Philippines as an expat or digital nomad, we have a <a href=\"https:\/\/www.pacificprime.com\/blog\/best-places-to-live-in-philippines.html\">comprehensive list of places<\/a> for you to consider, along with <a href=\"https:\/\/www.pacificprime.com\/blog\/best-time-to-visit-the-philippines.html\">The Best Time To Visit The Philippines<\/a>.<\/p>\n<p>Additionally, it&#8217;s important to have<a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"> international health insurance<\/a> to protect you in case of an emergency and cover any hospital bills.<a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"> Contact a Pacific Prime advisor<\/a> today to explore your options.<\/p>\n<div class='code-block code-block-38' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_1.jpg\" alt=\"Blog Banner Philippines 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Transferring money from one country to another can be expensive because of the high exchange rates and transfer fees. Moreover, if you are looking for ways to send money to the Philippines from the US, you will be glad to know that several tech platforms made this process easy and cost-effective. Are you looking to &#8230;<\/p>\n","protected":false},"author":80,"featured_media":9993,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[217,208],"tags":[],"class_list":["post-9992","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-travel-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Best Way To Send Money To The Philippines<\/title>\n<meta name=\"description\" content=\"If you need to send money to the Philippines, don&#039;t stress! Here\u2019s a comprehensive guide that can help you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/the-best-way-to-send-money-to-the-philippines.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Way To Send Money To The Philippines\" \/>\n<meta property=\"og:description\" content=\"If you need to send money to the Philippines, don&#039;t stress! 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