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The best way to send money to the Philippines depends on the context. What clears a ₱5,000 cash pickup may choke on a high-value bank credit. To lock in the best way to send money to the Philippines, start from the recipient’s constraints and current limits.
Prioritize settlement certainty over brand familiarity: cut-off awareness for batch rails, balance and tier checks for wallets, and valid ID for cash pickup. One mismatch triggers delays; one verified path avoids them.
It's best to pick a platform like Ogvio that offers transparent and streamlined transfers. You'll learn more about it in this article, alongside all these other noteworthy money transfer services:
- Ogvio - Low-Fee, Real-Time PH Transfers
- Wise - Mid-Market Transfers to the Philippines
- Krak - Tag & Paylink Transfers to the Philippines
- MoneyGram - Wide PH Payout Network
- OFX - Competitive Rates
- WorldRemit - Flexible Delivery Options
- Remitly - Fee Refund for Late Transfers
- PayPal - Send to the Philippines via Xoom
- Western Union - Real-Time Bank Deposits to the Philippines
- Payoneer - Trackable Contractor Payouts
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1. Ogvio - Low-Fee, Real-Time PH Transfers
Ranks #1 out of 10 Money Transfer Services
- + Remittance-oriented
- + Instant transfers
- + Incremental-to-no fees
- + Crypto support
- + @Tag functionality
- + Free transfers between users
- - No card (coming soon)
Ogvio is one of the best ways to send money to the Philippines that pairs instant settlement with transparent pricing. The flow is simple: deposit, pick a recipient @Tag or bank account, and confirm.
Ogvio has a DM-style sending mechanism that lets you transfer money to other Ogvio users via their @Tags.
Now, onboarding and deposits are straightforward: bank transfer, card payment or crypto transfer (USDC on Base specifically). Whatever you top up in fiat - across 40+ currencies - your funds are instantly converted to EUR or USD to preserve value against inflation and volatility.
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Table: Ogvio's asset movement
Sending mirrors a direct message: choose the recipient's Ogvio @Tag, confirm, and the transfer should arrive in seconds. For readers asking how to send money to the Philippines from USA, the steps will differ a bit, due to regulations.
For the time being, the US has limited services. On the other hand, you will be able to make crypto transfers without the need to pass KYC. In addition, if you're an American who's living in a different country, you'll be able to pass KYC; the restriction only applies to US citizens who are in the states.
Security on Ogvio is non-custodial by design. Funds live in on-chain smart vaults, with AES-256 encryption. If you’re prioritizing the safest way to send money to the Philippines, the model emphasizes user-controlled access and no third-party custody that could freeze or interfere with funds.
Pricing focuses on fairness and simplicity: no subscriptions, no hidden fees, and what you see is what you pay. Ogvio can be used for sending money to the Philippines for free if you send it to another Ogvio user. The same goes for crypto transfers, while bank transfers come with transparent and very competitive fees.
Key Features
Before we move on, here are the key features Ogvio brings to the table:
- Free internal P2P. Instant P2P transfers between Ogvio users that come at no cost (fiat and crypto).
- Multiple top-up rails. You can top up with a bank transfer (which generally is quick, but can depend on your bank), as well as a crypto transfer or a card payment.
- Inflation hedging. Shield your funds from volatile or inflating currencies by pegging them to stable options like USD.
- User-controlled security. Non-custodial smart vaults with AES-256; third parties can't freeze balances.
As you can see, Ogvio is definitely worth a try.
2. Wise - Mid-Market Transfers to the Philippines
Ranks #2 out of 10 Money Transfer Services
- + Transparent fees
- + Fair exchange rates
- + A smooth user experience
- + Multi-currency accounts
- - Service coverage is broad, but not entirely worldwide
- - Cash pickups aren’t available
- - Added compliance checks for large transfers
Wise is a strong option if you’re weighing the best way to send money to the Philippines. Transfers use the mid-market exchange rate with no markup and fees shown upfront. Wise states that 70% arrive in under 20 seconds and 95% within a day for US to PH transfers.
In addition, Wise supports deposits to Philippine bank accounts and to wallets like GCash and Maya. Per-transfer limits: up to ₱70,000,000 for banks, and ₱50,000 for mobile wallets. For anyone wondering, large amounts typically take 1-2 business days.
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Table: Wise's asset movement
Beyond transfers, you can hold Philippine pesos and 40 other currencies in a Wise account, then send globally with transparent pricing. For peace of mind when seeking the safest way to send money to the Philippines, Wise uses HTTPS encryption, 2-step verification, and safeguards customer funds. You can also lock an exchange rate for up to 48 hours.
Key Features
Here are the key features listed out if you want to take a quick glance:
- Mid-market FX pricing. No markup on the exchange rate with upfront, per-transfer pricing.
- PH routes covered. Deposit to bank accounts or mobile wallets in the Philippines.
- High limits on banks. Send up to ₱70,000,000 to bank accounts.
- Regulated service. Wise operates under financial licenses in multiple regions, ensuring compliance and protection.
It’s one of the best platforms and the safest way to send money to the Philippines.
3. Krak - Tag & Paylink Transfers to the Philippines
Ranks #3 out of 10 Money Transfer Services
- + Smooth payment flow
- + Quick fiat & crypto transfers
- + Reward earning functionality
- + Strong security features
- + Responsive customer support
- - Lacks some features for advanced traders
- - Krakback and similar rewards may be restricted in certain regions
Looking to pay a recipient in the Philippines without the hassle of entering bank details? Krak lets you do just that using a Kraktag or a shareable paylink, with transfers designed to arrive in seconds. Many routes are fee-free and pricing is shown upfront, making it a practical way for how to send money to the Philippines.
As mentioned, most transfers are free, and any applicable costs appear before you confirm. If you’re wondering, Krak earns primarily from exchange fees when you convert between currencies or assets, so review the shown rate if you’re weighing the cheapest way to send money to the Philippines.
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Table: Krak's fees
For safety and reliability, funds are backed by Proof-of-Reserves,[1] with robust encryption, and 24/7 in-app support. Limits depend on your verification tier, and geographic rules apply. Bank withdrawals are limited to USD, EUR, CAD, GBP, CHF, or AUD, with availability varying by country, so confirm cash-out options for your Philippine recipient.
Key Features
For tag-based, near-instant transfers, keep these key features in mind:
- Kraktag addressing. Send/receive internally with a simple @Kraktag - no bank numbers.
- Paylinks for non-contacts. Generate a paylink to request money even if you don’t have the recipient saved.
- Multi-asset flexibility. Hold and send across 300+ assets (fiat, stablecoins, and crypto) from one app.
- Security measures. Krak uses Proof-of-Reserves, strong encryption, and robust authentication protocols to help keep your assets safe.
Even though Krak is built on cryptocurrency roots, it shouldn’t interfere with making simple transactions.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. MoneyGram - Wide PH Payout Network
Ranks #4 out of 10 Money Transfer Services
- + Over 350,000 agent locations worldwide
- + Fast cash transfers
- + Multiple send and receive options
- + Wide currency support
- - Applies exchange rate markup
- - ACH transfers take days to arrive
If you’re looking for a mainstream option, MoneyGram might be a good choice for you. Transfers can be initiated online or in-app, and many arrive relatively quickly.
In the Philippines, recipients can choose to deposit into bank accounts, debit cards, mobile wallets, or cash pickup. Listed local partners include BDO Unibank, Cebuana Lhuillier, Coins.ph, GCash, and GrabPay. As a result, giving reach beyond major cities - a practical path for sending money to the Philippines online.
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Table: MoneyGram's asset movement
Physical coverage supports reliability for cash payouts. MoneyGram cites over 440,000 agent locations worldwide, plus a locator to find nearby payout points. Senders can monitor status with the built-in tracking tool, while delivery timing may vary by amount, payment type, destination, and standard compliance checks.
Pricing is shown upfront: you can view exchange rates and transfer fees before confirming, and track the transfer in real time after payment. Actual costs depend on corridor, amount, funding method, and receiving option, so compare live quotes if you’re weighing the cheapest way to send money to the Philippines.
Key Features
Here is the quick rundown of MoneyGram’s key features:
- Flexible PH receive routes. Deposit to bank accounts, debit cards, mobile wallets, or cash pickup via local partners.
- Wide cash-out footprint. Backed by a 440,000+ global agent network for provincial and city pickups.
- Real-time tracking. Monitor delivery with the reference/authorization number online or in-app.
If you’re prioritizing reach for the Philippines, MoneyGram might be a good choice.
5. OFX - Competitive Rates
Ranks #5 out of 10 Money Transfer Services
- + Handles multi-currency accounts for global businesses
- + Schedule large transfer seamlessly
- + Integrates with Xero and QuickBooks
- + Issue unlimited virtual cards with custom limits
- - Primarily designed for business clients
- - Standard plan limited to two free users only
A bank-to-bank specialist with competitive rates, 24/7 support, and US oversight, OFX covers transfers from the United States to the Philippines. It’s ASX-listed and FinCEN- and state-regulated, which suits readers comparing the best way to send money to the Philippines from USA for larger, verified bank credits.
When it comes to pricing, it’s transparent at quote: your “customer rate” includes OFX’s exchange-rate margin, and any OFX transfer fee - if payable - appears before you confirm. Note that intermediary or beneficiary banks can deduct their own charges on some SWIFT routes.
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Table: OFX's fees
The delivery is also usually quick. Most transfers to the Philippines are complete within one business day after OFX receives your funds. The platform also imposes no cap on how much you can send to the recipient, while the minimum for major currencies is $150.
For funding, Direct Debit is offered and recommended. You can also pay by domestic wire. ACH debit funding is fee-free, though it typically takes 3-4 business days to reach OFX.
Key Features
Here’s a quick list of the OFX key aspects:
- No max cap. OFX doesn’t set a maximum transfer limit (bank limits may apply).
- Funding choices. ACH Direct Debit is fee-free, though it takes 3-4 business days to reach OFX. Wires/ACH credit is also available.
- Regulated & listed. US MSB registered with FinCEN/state licensing.
- Rate tools for timing. Set rate alerts or place limit orders to target better FX.
However, there can be some issues with OFX, and it might not fit everyone, considering that the minimum amount for sending is $150.
6. WorldRemit - Flexible Delivery Options
Ranks #6 out of 10 Money Transfer Services
- + Fast money transfers
- + Wide international coverage
- + Multiple payout methods
- + Licensed in multiple countries
- - Limited overseas bank support
- - Fluctuating transfer costs
If you’re looking for a platform that supports multiple receive routes in the Philippines, WorldRemit might catch your attention, as you can choose from bank transfers, mobile wallets, cash pickups, and mobile loads.
You can send to wallets like GCash, GrabPay, and Maya. For sending money to the Philippines online, these options cover urban and provincial scenarios, giving you a chance to choose what fits you best.
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Table: WorldRemit's asset movement
The delivery can be fast. Bank transfers to the Philippines National Bank are listed as within minutes for amounts below ₱50,000 (larger amounts may take up to a day or two). Cash pickup via partners like M Lhuillier is described as instant once ready for collection.
Like pretty much every other money transfer service, WorldRemit shows the fees and rates before you pay. Without upfront transparency, you wouldn’t be able to judge routes when weighing the cheapest way to send money to the Philippines.
WorldRemit also has a good reach. With this platform, you can send to over 130 countries. You can also track the transfer in-app to monitor status and history.
Key Features
Here’s a list of features that should help PH recipients:
- Multiple PH rails. Send to bank accounts, cash pickup, and mobile wallets like GCash, GrabPay, and Maya.
- Status updates. Track progress with in-app notifications and alerts.
- Global reach. Coverage spans over 130 countries for onward transfers outside PH, too.
These features make WorldRemit adaptable across urban and provincial Philippines areas.
7. Remitly - Fee Refund for Late Transfers
Ranks #7 out of 10 Money Transfer Services
- + Great platform accessibility
- + 170+ receiving countries
- + Home delivery available
- + Major and local payout options
- - Escalating FX rates
- - Confusing fees
Remitly supports multiple receive routes in the Philippines, including bank deposits, mobile wallets like GCash and Maya, and cash pickup via a broad partner network, including BDO, BPI, PNB, RCBC, and more. This kind of coverage makes the platform one of the best ways to send money to the Philippines.
The cool part of using Remitly is that if your transfer doesn’t arrive on time, the company refunds your fees. You also get a reference number and status notifications by email or SMS to track every stage of the transfer, which would probably be highly appreciated by people who have high anxiety while sending money internationally, especially larger amounts.
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Table: Remitly's asset movement
For cash pickup transfers that are not collected within the provided timeframe, transactions can also be canceled, and funds will be refunded.
You’ll also see the pricing upfront, including the exchange rate and transfer fee. It’s also one of the best ways to send money to the Philippines from the USA or any other country, since it offers an estimator that shows you approximately how much it will cost.
If you’re also worried about security, don’t be. Remitly emphasizes safety with multi-level security and operates as a licensed US money transmitter. Highlighting why it’s one of the best ways to send money to the Philippines from USA.
Key Features
Glance through these key features:
- On-time guarantee. If your transfer misses the quoted delivery time, Remitly refunds the transfer fee.
- Live speed estimates. The calculator shows delivery windows before you pay.
- Account controls. Save recipients and repeat transfers when you pay the same person.
- PH route coverage. Deposit to bank accounts, send to GCash/Maya, or use cash pickup via partners like BDO, BPI, PNB, and RCBC.
The refund system alone is enough to highly consider using Remitly.
8. PayPal - Send to the Philippines via Xoom
Ranks #8 out of 10 Money Transfer Services
- + Easy to use
- + Simple payment process
- + Strong security
- + Wide coverage
- + Access to crypto
- - High fees
- - Not available everywhere
- - Customer support complaints
PayPal is definitely a name that the majority of us have heard of, and it’s definitely one of the safest ways to send money to the Philippines. To give you an idea of how popular this platform is, as of mid-2025, PayPal has over 430 million global active users.
That being said, the actual sending to the Philippines doesn’t go through PayPal itself; rather, it routes you to Xoom, though the service is still theirs, don’t get me wrong.
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Table: PayPal's asset movement
Delivery options vary. With Xoom, cash pickup in the Philippines is typically ready in minutes. Bank transfers are typically delivered in a few hours once you provide the account details. If you send internationally to another PayPal account, the platform charges a 5% fee with a $0.99 minimum and a $4.99 maximum.
Key Features
Here are the relevant features:
- Wallet & cash choices. Send to GCash, Maya, and GrabPay or enable cash pickup at Cebuana and M Lhuillier.
- Door-to-door in Metro Manila. Optional delivery to the recipient’s address in Metro Manila areas.
- Bank deposits in the Philippines. PayPal’s Xoom service supports bank credits in the Philippines, with delivery often within hours.
- Secure payments. Transactions are protected with encryption, 2FA, and PayPal's buyer protection system.
That said, there are more features that might make PayPal worth using.
9. Western Union - Real-Time Bank Deposits to the Philippines
Ranks #9 out of 10 Money Transfer Services
- + An established money transfer service
- + Available in most countries
- + Multiple delivery types, including cash pickup
- + Various ways to fund a transfer
- - High fees and exchange rate markup
- - Outdated app interface
- - Doesn't allow long-term fund storage
Western Union was founded in 1852, so as you can imagine, it has branched out quite a bit. To be more specific, its network spans 200+ countries and regions.
It makes sense that the local payout coverage is also wide. Featured partners include GCash, GrabPay, and Maya, or choose cash pickup and bank credit depending on the recipient’s needs. That said, one of your requirements for the best way to send money to the Philippines is coverage in both urban and provincial areas. This option should fit your needs.
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Table: Western Union's asset movement
Speed is also an important factor, right? Luckily, Western Union offers cash pickup, which can be available within minutes. Bank transfers are real-time to BDO, BPI, and Land Bank, though first-time BPI may take up to two hours. Otherwise, expect to wait up to one business day.
For mobile wallets, recipients need fully registered profiles. GCash users claim the money by entering the MTCN in-app.
An MTCN, or Money Transfer Control Number, is a unique 10-digit tracking number for a Western Union money transfer.
In terms of volume, you can receive up to PHP 100,000 per transaction. However, that is also the basic monthly cap for sending via GCash, unless you raise your verification tier.
Key Features
Here are the features that matter:
- Real-time bank credits. BDO, BPI, and Land Bank support real-time deposits. First-time BPI may take a couple of hours to process.
- Mobile wallets covered. Send to GCash, GrabPay, and Maya.
- Dense cash-pickup network. Use the locator to target nearby payout points across the Philippines.
- Upfront totals. Western Union shows fees/rates before you commit.
If the recipient prefers cash or a wallet, Western Union’s breadth will help match their needs.
10. Payoneer - Trackable Contractor Payouts
Ranks #10 out of 10 Money Transfer Services
- + Wide geographical support
- + Multi-currency account
- + 2,000+ marketplace integrations
- + Dedicated workforce management features
- - High transfer fees
- - Withdrawal delays
- - Slow customer support
Choosing a platform for Philippines payouts? Payoneer lets you send directly to a recipient’s bank account in the Philippines - even if they don’t use the platform. The money transfer service also connects with GCash via the official linkage. If you’re asking how to send money to the Philippines for contractors, this covers non-Payoneer recipients cleanly.
Delivery is predictable for bank and wallet routes. Official guidance states withdrawals to a Philippine bank typically land within 1-3 business days, while Philippines-specific resources note many arrive the same business day, including GCash. Transfers are also trackable end-to-end, so you can plan around cut-offs and compliance checks.
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Table: Payoneer's asset movement
Costs are simple to check before you confirm. Same-currency bank withdrawals use a flat fee. Currency conversion adds an FX fee (often up to 3%). Volume matters: once your monthly withdrawals and bank payments exceed $50,000, subsequent transactions switch to a 0.5% tier for that month.
For operations, you can schedule payments, save recipient bank details, and run batch payouts from your balance. In addition, if your workflow is payroll or supplier invoices, this can be one of the best ways to send money to the Philippines.
Key Features
Payoneer’s key features might prove useful if you’re paying Filipino contractors or family as well:
- High-volume discount. After $50,000 in withdrawals/payments in a calendar month, subsequent transactions switch to 0.5% for that month.
- GCash linkage. Link Payoneer in the GCash app and cash in from your Payoneer balance into a PH wallet.
- Multiple ways to fund. Get paid by ACH, local bank transfer, card, or PayPal.
Payoneer might not be anything special compared to other similar platforms, but it still helps make things simple.
How to Send Money From the UAE to the Philippines
Making a transfer from the UAE to the Philippines is definitely easy. However, there are some points you should take into consideration before:
- Take advantage of UAE-only promos. The UAE to the Philippines corridor is hyper-competitive. World Bank data shows average costs around 3%, but some providers drop below 1% for online transfers in this corridor.
- Use Philippine rails like InstaPay, PESONet, GCash, and Maya. On the Philippine side, money can land in banks and e-wallets through InstaPay or PERSONet, depending on your provider. Many UAE services now pay out directly to GCash or Maya.
- Sending from prepaid cards. A lot of Filipino workers in the Gulf are paid on prepaid cards or local wallets instead of full bank accounts. UAE media now explicitly recommends remittance apps for these users, because they let you top up and send internationally without walking into a bank branch or traditional exchange house queues.
- App-level limits can bite on big transfers. For regular allowances, you'll rarely hit caps, but big one-offs (house down payments, tuition, medical bills) can run into digital limits. GCash, for instance, has a PHP 100k daily outgoing limit, while the Wise PHP balance has per-transfer and monthly caps.
- Have a backup app when "free" services wobble. One recent UAE story: Taptap Send, a free remittance app popular with expats, temporarily paused services right before payday, forcing users to scramble for alternatives. That's a good lesson for this corridor: enjoy zero-fee apps, but always keep a second, battle-tested digital service, such as Ogvio.
Alright, now we can get into the process itself. I'll be using Ogvio as an example:
![Best way to send money to the Philippines: a red arrow pointing to the [Add Money] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-the-philippines-bank-step-4.jpg "Best way to send money to the Philippines: a red arrow pointing to the [Add Money] button on Ogvio.")
![Best way to send money to the Philippines: a red arrow pointing to the [Bank Transfer] option on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-the-philippines-bank-step-5.jpg "Best way to send money to the Philippines: a red arrow pointing to the [Bank Transfer] option on Ogvio.")
To unlock bank transfers on Ogvio, you'll have to verify your identity. Most other features are accessible without it.
![Best way to send money to the Philippines: a red arrow pointing to the [Send Money] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-the-philippines-bank-step-9.jpg "Best way to send money to the Philippines: a red arrow pointing to the [Send Money] button on Ogvio.")
![Best way to send money to the Philippines: a red arrow pointing to the [+] button.](https://assets.bitdegree.org/images/best-way-to-send-money-to-the-philippines-bank-step-10.jpg "Best way to send money to the Philippines: a red arrow pointing to the [+] button.")
![Best way to send money to the Philippines: a red arrow pointing to the [Bank transfer] option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-the-philippines-bank-step-11.jpg "Best way to send money to the Philippines: a red arrow pointing to the [Bank transfer] option.")
That's the whole process.
How to Send Money From the UK to the Philippines
Before getting into the process, here are a few useful tips to keep in mind for this specific corridor:
- Digital apps are unusually cheap. For this corridor, top digital providers often land around 1-3% total cost (fee + FX), below the global digital average of around 5%. Therefore, if an app is closer to 5-6%, it's objectively pricey, and it might be worth considering an alternative.
- The UK is stacked with GCash-friendly apps. GCash lists a long lineup of UK partners, so senders mainly need to compare total cost and speed between these "GCash-ready" options.
- Funding method changes both price and speed. Across apps, paying by UK debit/credit card usually makes GBP to PHP arrivals close to instant, but with slightly higher fees. Paying by bank transfer/open banking can trim costs but adds some delay.
- Better for frequent small transfers. Low wallet limits and very small minimum send amounts push UK to PH corridor usage towards regular small transfers rather than rare huge ones, which fits how families actually use GCash and Maya day to day.
Before we dive into the guide, I'll skip the top-up steps. If you want to see how that works on Ogvio, the tutorial above walks you through in detail. In this part, I'll focus on the most efficient way to use Ogvio: sending a DM-style transfer with zero fees and instant delivery.
![Best way to send money to the Philippines: a red arrow pointing to the [Send Money] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-the-philippines-user-step-2.jpg "Best way to send money to the Philippines: a red arrow pointing to the [Send Money] button on Ogvio.")
![Best way to send money to the Philippines: a red arrow pointing to the [+] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-the-philippines-user-step-3.jpg "Best way to send money to the Philippines: a red arrow pointing to the [+] button on Ogvio.")
![Best way to send money to the Philippines: a red arrow pointing to the [Ogvio user] option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-the-philippines-user-step-4.jpg "Best way to send money to the Philippines: a red arrow pointing to the [Ogvio user] option.")
How to Send Money From Italy to the Philippines
Let's move on to the last corridor and transfer method as well. I've covered the transfers using a bank account, DM-styled sending, and the last that's left on my list is cryptocurrency. But before that, let's review the Italy to Philippines corridor:
- Digital usually beats walk-in agents on cost. Italy's official remittances price comparison for key corridors, including Italy-Philippines, shows average costs of around 3.7% when you send online versus roughly 5.4% at branches, mainly because digital services don't carry heavy cash-agent overheads.
- Mobile wallets are well covered from Italy. GCash lists Italy with various partners, and many of them deliver directly to GCash or Maya in minutes rather than only to bank accounts or cash pickup.
- Watch provider and wallet limits for bigger transfers. For example, Western Union's Italy-to-GCash flow typically allows up to about $5,000 per transfer, while GCash wallets on that route can usually receive up to around PHP100,000/month, so very large amounts may need splitting.
- Exploit Italy-specific welcome promos, then re-check pricing. Remitly's Italy to Philippines corridor page offers a special rate and zero fees on the first transfer, with ongoing fees around $0.99 for bank, mobile wallet, and debit-card deposits versus $2.99 for cash pickup/home delivery.
Now that you've seen how digital services behave on the Italy to the Philippines corridor, the last piece of the puzzle is crypto. Let's look at how to move funds with Ogvio's crypto-based transfers, specifically USDC on Base, because that's the only crypto asset Ogvio currently allows depositing and withdrawing.
![Best way to send money to the Philippines: a red arrow pointing to the [Send Money] option on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-the-philippines-crypto-step-1.jpg "Best way to send money to the Philippines: a red arrow pointing to the [Send Money] option on Ogvio.")
![Best way to send money to the Philippines: a red arrow pointing to the [+] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-the-philippines-crypto-step-2.jpg "Best way to send money to the Philippines: a red arrow pointing to the [+] button on Ogvio.")
Ogvio doesn't charge any fees for crypto transfers, so this is one of the most cost-efficient ways to move money.
Lastly, I should mention that even if your route isn't one of the three I covered, the overall flow is similar. After you get the hang of these steps, sending with Ogvio will be a breeze.
Pick the Right Delivery Rail in the Philippines
Rails are an important part of using a money transfer service, as they can influence costs, improve user experience, and ensure security.[2] Match urgency, amount, and the receiver’s access: real-time small payouts, larger bank credits, wallet cash-ins, or cash pickup.
To help you navigate just a bit better, here is a table displaying some of the most popular rails in the Philippines:
Rails | Best for | Typical speed | Caps & checks |
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InstaPay | Urgent < PHP 50,000 | Real-time, 24/7 | Both sides must be InstaPay participants. |
PESONet | Larger bank credits | Same-day in business hours | Three settlement cycles (AM/PM/PM); mind bank cut-offs. |
Mobile wallets (GCash, Maya) | Wallet users, small merchant pays | Instant if within limits | Verify tier and wallet caps |
Cash pickup | Unbanked/provincial | Minutes once ready | Bring a valid ID; confirm outlet hours and partner limits |
Table: rail comparison
Here are some things that you should also keep in mind that often trip senders up in PH corridors: fees, bank-day windows, and ID rules.
Now, the fees vary - BPI and BDO now charge around PHP 10 for InstaPay, while PESONet is typically PHP 50. Keep in mind that small transfers add up over a month.
When it comes to timing, PESONet posts only on banking days, and payments after a bank’s cut-off land the next business day - plan around Friday evenings and holidays. Also, where possible, use QR PH - the BSP’s interoperable QR riding InstaPay - to avoid mis-typed account numbers.
That said, if you’re going with the cash pickup option, inform the recipient to bring valid ID and ensure the name matches the transaction. Cebuana and Palawan counters list acceptable IDs, and many partners require the exact legal name at collection.
📚 Read More: Cheapest Way to Send Money to the Philippines
Conclusions
At the end of the day, the best way to send money to the Philippines is the option that proves reliable from start to finish. Clear pricing before you pay, realistic delivery windows, and coverage your recipient actually uses. However, it’s also important to double-check names, limits, and schedules around cut-offs.
Therefore, choose tools that fit the job: flexible multi-rail apps for everyday sends, cash giants for pickup reach, bank specialists for large credits, wallet links for GCash/Maya convenience, and tag-based apps for instant internal moves. Sanity check FX + fees, rate locks, limits, tracking, and holiday timing before you hit the send button.
I'd say Ogvio is one of the fastest and cheapest ways for simple, transparent PH transfers. Join BitDegree’s Season 8 Airdrop to explore it in a fun, gamified way and get a chance at a $15,000 prize pool.
Scientific References
1. Braband, S.: 'The role of Proof of Reserves in enhancing trust and transparency in Digital Currency and Digital Asset Systems';
2. Daivi, T., Grimes, W.: 'International remittance rails as infrastructures: embeddedness, innovation and financial access in developing economies'.
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