The best way to send money from the US to the Philippines depends on what matters most to you. If convenience is the priority, sending online or in the Western Union app are the easiest options. You can also choose the delivery method that works best for your receiver, including direct to bank account, cash pickup, or to a mobile wallet like GCash.

The cheapest way to send money to the Philippines will vary based on how you pay, how your receiver gets the money, and the exchange rate at the time of your transfer. Use our send money online tool to calculate money transfer costs before you send.

You’ll have a wealth of choices when researching how to send money to the Philippines. Whether supporting relatives in your hometown or transferring funds as a gift, the main options to send money are:

• Online. Just register for a profile to get started.
• Via our app. Another quick and easy way to move money.
• In-person. Find an agent location close to home.

The time it takes to send money to the Philippines depends on the delivery method and how you pay. For example, a mobile wallet transfer may be ready in minutes, cash pickup can be available same day, and a bank transfer may take up to five days. Use our send money online tool to compare the speed of different transfer options before you send.  

It’s easy to start moving money to the Philippines online. Here’s how:

1. Register and verify a free profile with Western Union. When you’re all set up, log in and click ‘Send now’.
2. Select the Philippines in the destination box, followed by how much you want to send in US dollars.
3. Click on ‘Bank account’, ‘Cash pickup’ or ‘Mobile wallet’ as the delivery method, and choose a payment option (credit card², debit card or bank account).
4. Carefully enter any information requested about your receiver, plus your payment details.
5. Check your confirmation email for a tracking number. This allows you and your receiver in the Philippines to follow your transfer.

You should be able to send up to $19,000 (or the equivalent in Philippine pesos) as a remittance to the Philippines. However, your personal daily limit will depend on the service you choose and your transfer history.

You can check your limit by registering with us and visiting your profile.

Our price estimator tool will give you a good idea of how much it costs to send money to the Philippines. It shows you the transfer fees and exchange rates for different payment methods. We’ll also give you an estimate of how long your transfer might take to process.

You can send money to mobile wallets in the Philippines through our app, website or via an agent location near you. There are many options to choose from, but GCash is a popular mobile wallet app in the Philippines, and you can send your money directly from Western Union to a GCash account if the recipient has a fully registered profile.
You can check how to Send money to to a GCash account to learn more about transfers to the Philippines.

With Western Union, it’s easy to send money to some of the best banks in the Philippines. We partner with many trusted institutions, including Banco de Oro, Bank of the Philippine Islands, and the Philippine National Bank.

Sending money to the Philippines without a bank account is possible if you pay for your transfer in cash or using a credit card. If your recipient doesn’t have a bank account but you still want to help them with their cost of living expenses, select to receive money to an eligible mobile wallet or in cash at an agent location. 

When you choose cash pickup, your receiver can collect the money at a participating Western Union agent location in the Philippines. They typically need the tracking number (MTCN) and a valid ID.