Sending money

Send money to the Philippines

The published rate for each country people send from, and what sits between that rate and the amount that arrives in Philippine pesos. Source: European Central Bank, 2026-10-30.

What to know about receiving money in the Philippines

Three ways it arrives, and they are not equally fast

Money sent to the Philippines lands by one of three routes: cash collected from a pawnshop and remittance network such as Cebuana Lhuillier, M Lhuillier, Palawan or LBC, usually available within minutes against a government photo ID and a reference number; a mobile wallet, most commonly GCash, credited to a fully verified profile; or a bank account, which moves over the BSP's PESONet and InstaPay rails for peso accounts and the Philippine Domestic Dollar Transfer System for dollar accounts. InstaPay settles in near real time, while PESONet clears in batches on banking days, so a bank transfer sent on a Friday evening may not appear until the following week.

Which routes a provider offers, and what each costs, varies. Cash pickup is the fastest for someone without a bank account and the most exposed to a recipient having to travel to collect it.

Development Bank of the Philippines, remittance services · checked 2026-09-18

Where you are sending from

From the UAE 17.3396 PHP per AED From Saudi Arabia 16.9813 PHP per SAR From Qatar 17.4944 PHP per QAR From Kuwait 204.75 PHP per KWD From the US 63.6797 PHP per USD From Canada 45.5870 PHP per CAD From Singapore 49.8131 PHP per SGD From Hong Kong 8.1165 PHP per HKD From Japan 0.404958 PHP per JPY

What these rates are

Each figure is the daily reference rate published by European Central Bank euro foreign exchange reference rates, reproduced unchanged. It is the reference point a transfer is priced against, not a quote: services add a fee and a margin on the rate, and the margin is usually the larger of the two. Every corridor page sets out both, with a worked example.