Sending money to the Philippines
Sending $200 from the US to the Philippines cost 4.52% on average, about $9.03, in the World Bank's latest survey (Q3 2025): $6.23 in fees plus a 1.40% exchange-rate margin. The cheapest option it priced cost 0.58%; the dearest cost 9.99%. Today's ECB reference rate is 63.6425 pesos per dollar (2026-10-23).
Price your transfer to the Philippines
Reference rate: ECB, 2026-10-23
How it works: the cost of a quote is everything you pay minus what the money the recipient gets is worth at the mid-market rate. That catches a fee and an exchange-rate markup in one number. Assumes the fee is paid on top of the amount sent; if a provider takes its fee out of the amount, enter what the recipient gets instead of the rate. The mid-market rate is the ECB euro reference rate crossed to dollars. ECB reference rates are published for information purposes only.
What each provider charged on $200
World Bank Remittance Prices Worldwide, Q3 2025 (collected Aug 04-Aug 21, 2025). Total cost is the fee plus the exchange-rate margin, as a share of $200. A negative margin means the rate beat the World Bank's reference rate that day.
| Provider | Paid with | Received as | Fee | Rate margin | Total cost |
|---|---|---|---|---|---|
| MoneyGram | Debit card | Mobile wallet | $0.00 | 0.58% | 0.58% ($1.16) |
| MoneyGram | Bank account | Mobile wallet | $0.00 | 0.58% | 0.58% ($1.16) |
| MoneyGram | Bank account | Bank account | $0.80 | 0.80% | 1.20% ($2.40) |
| MoneyGram | Debit card | Bank account | $1.99 | 0.80% | 1.80% ($3.59) |
| WorldRemit | Credit card | Mobile wallet | $0.00 | 1.83% | 1.83% ($3.66) |
| WorldRemit | Debit card | Mobile wallet | $0.00 | 1.83% | 1.83% ($3.66) |
| Ria | Bank account | Bank account | $0.90 | 1.39% | 1.84% ($3.68) |
| Ria | Debit card | Bank account | $1.90 | 1.39% | 2.34% ($4.68) |
| WorldRemit | Bank account | Mobile wallet | $0.00 | 2.95% | 2.95% ($5.90) |
| MoneyGram | Bank account | Cash pickup | $5.99 | 0.00% | 3.00% ($5.99) |
| MoneyGram | Debit card | Cash pickup | $5.99 | 0.00% | 3.00% ($5.99) |
| Remitly | Debit card | Cash pickup | $6.49 | 0.00% | 3.25% ($6.49) |
| Remitly | Bank account | Cash pickup | $6.49 | 0.00% | 3.25% ($6.49) |
| Western Union | Credit card | Bank account | $1.99 | 2.46% | 3.46% ($6.91) |
| Western Union | Debit card | Bank account | $1.99 | 2.46% | 3.46% ($6.91) |
| Western Union | Bank account | Bank account | $1.99 | 2.46% | 3.46% ($6.91) |
| Xoom | Debit card | Cash pickup | $6.98 | 0.00% | 3.49% ($6.98) |
| Xoom | Bank account | Cash pickup | $6.98 | 0.00% | 3.49% ($6.98) |
| MoneyGram | Credit card | Mobile wallet | $6.00 | 0.58% | 3.58% ($7.16) |
| Ria | Bank account | Cash pickup | $3.50 | 1.99% | 3.74% ($7.48) |
| MoneyGram | Debit card | Cash pickup | $4.90 | 1.44% | 3.89% ($7.78) |
| Ria | Debit card | Cash pickup | $4.00 | 1.99% | 3.99% ($7.98) |
| Wise | Bank account | Bank account | $8.12 | 0.00% | 4.06% ($8.12) |
| WorldRemit | Credit card | Cash pickup | $3.99 | 2.14% | 4.14% ($8.27) |
| WorldRemit | Debit card | Cash pickup | $3.99 | 2.14% | 4.14% ($8.27) |
| Western Union | Bank account | Cash pickup | $3.99 | 2.46% | 4.46% ($8.91) |
| Western Union | Credit card | Cash pickup | $3.99 | 2.46% | 4.46% ($8.91) |
| Western Union | Debit card | Cash pickup | $3.99 | 2.46% | 4.46% ($8.91) |
| Western Union | Cash | Cash pickup | $8.00 | 1.06% | 5.06% ($10.12) |
| Ria | Credit card | Bank account | $8.00 | 1.39% | 5.39% ($10.78) |
| Remitly | Debit card | Cash pickup | $4.99 | 2.94% | 5.44% ($10.87) |
| Remitly | Bank account | Cash pickup | $4.99 | 2.94% | 5.44% ($10.87) |
| Ria | Cash | Cash pickup | $7.00 | 1.99% | 5.49% ($10.98) |
| Ria | Credit card | Cash pickup | $7.00 | 1.99% | 5.49% ($10.98) |
| MoneyGram | Credit card | Bank account | $9.99 | 0.80% | 5.80% ($11.59) |
| MoneyGram | Credit card | Cash pickup | $11.99 | 0.00% | 6.00% ($11.99) |
| Remitly | Credit card | Cash pickup | $12.49 | 0.00% | 6.25% ($12.49) |
| Xoom | Credit card | Cash pickup | $12.98 | 0.00% | 6.49% ($12.98) |
| Xoom | Bank account | Cash pickup | $4.99 | 4.49% | 6.99% ($13.97) |
| MoneyGram | Credit card | Cash pickup | $11.99 | 1.39% | 7.39% ($14.77) |
| Xoom | Debit card | Cash pickup | $5.99 | 4.49% | 7.49% ($14.97) |
| Remitly | Credit card | Cash pickup | $10.99 | 2.94% | 8.44% ($16.87) |
| Xoom | Credit card | Cash pickup | $10.99 | 4.49% | 9.99% ($19.97) |
Fees providers publish today
Most providers show a price only inside a live quote. These are the fees for the Philippines printed on a public page. Remitly's pages do not say which payment method they assume.
- Remitly: $0 to a bank account or mobile wallet; $4.99 for cash pickup or home delivery. Source
- Xoom: $0 when you pay with PYUSD; $0 bank to bank on $250 to $5,999.99; $0 to a mobile wallet from a bank account under $2,000 or a debit card under $500. Other fees appear only in a quote. Source
- Revolut (US): 0.15% (minimum $0.75) for a transfer paid out in the recipient's local currency on the Standard plan, plus free exchange up to $1,000 a month and 0.5% above that (1.0% outside market hours). Source
- PayPal: 5% of the amount (minimum $0.99, maximum $4.99) from a PayPal balance or bank account, plus a 4% currency conversion spread when the recipient gets a different currency. Source
- Wise: from 0.23% of the amount, varying by currency, at the mid-market rate. Source
A fee of $0 is not a free transfer. Western Union, MoneyGram, Xoom, Remitly, Ria, Xe, OFX and WorldRemit all say in their own terms or help pages that they make money on the exchange rate; Wise says it uses the mid-market rate. Put the rate from your quote into the calculator above to see what that costs.
Through your bank
The banks we track charge $25 to $75 to send an international wire in dollars. Some charge $0 when they convert the currency themselves, because they earn it on the rate. Either way, an intermediary bank can take a fee on the way. On $200 that is a poor deal; on $10,000 the fee matters less and the rate matters more. Compare bank wire fees.
Paying in cash adds a 1% federal tax
Since January 1, 2026, a transfer abroad that you pay for with cash, a money order or a cashier's check carries a 1% federal excise tax, which the provider collects (Internal Revenue Code section 4475). Pay from a bank account or with a US-issued debit or credit card and the tax does not apply. On $500 that is $5 saved just by not paying at the counter. 26 U.S.C. 4475
Your rights on this transfer
A consumer transfer abroad is a "remittance transfer" under federal rules. Before you pay, the provider must show the exchange rate, its fees and the amount your recipient will get, and you can generally cancel for a full refund within 30 minutes. What else the rule covers.
Provider names link to their own pricing pages.