USD to PHP Converter & Philippines Remittance Guide
Convert US dollars to Philippine pesos at the live mid-market rate, and find the cheapest way to send money to the Philippines. No signup, no account needed.
Get the live USD → PHP rate
Exchange rates move every minute, so this page won't quote a fixed number — open the converter above for the current mid-market USD/PHP rate (cached hourly, works offline with a fallback). The mid-market rate is the "real" rate; what your recipient actually gets depends on the provider's margin and fees below.
Providers that serve this route
13 providers' own websites list United States of America → Philippines transfers (checked 2026-09-23). We don't rank them or quote their fees: prices change with amount, payment and payout method. Get each provider's quote, then compare what arrives.
| Provider | Recipient gets it via | Pay with | Source |
|---|---|---|---|
| Instarem | Bank deposit, Mobile wallet | Bank transfer | official page |
| MoneyGram | Mobile wallet | Bank transfer, Cash, Credit card, Debit card | official page |
| OFX | Bank deposit | Bank transfer | official page |
| Paysend | Bank deposit, Card, Cash pickup, Mobile wallet | Debit card, Apple/Google Pay, PayPal | official page |
| Remitly | Bank deposit, Cash pickup, Home delivery, Mobile wallet | Bank transfer, Credit card, Debit card | official page |
| Ria Money Transfer | Bank deposit, Card, Cash pickup, Home delivery, Mobile wallet | Bank transfer, Cash, Credit card, Debit card, Apple/Google Pay, PayPal | official page |
| Sendwave | Bank deposit, Cash pickup, Mobile wallet | Debit card | official page |
| Taptap Send | Bank deposit, Card, Cash pickup, Mobile wallet | Debit card | official page |
| Western Union | Bank deposit, Card, Cash pickup, Mobile wallet | Cash, Credit card, Debit card | official page |
| Wise | Bank deposit, Mobile wallet | Bank transfer, Credit card, Debit card | official page |
| WorldRemit | Bank deposit, Cash pickup, Mobile wallet | Bank transfer, Credit card, Debit card | official page |
| Xe Money Transfer | Bank deposit, Cash pickup, Mobile wallet | Bank transfer, Credit card, Debit card | official page |
| Xoom | Bank deposit, Card, Cash pickup, Home delivery, Mobile wallet | Bank transfer, Credit card, Debit card, Apple/Google Pay, PayPal | official page |
Not offered on this route, per the provider's own site: TransferGo.
Compare quotes on this route · Philippines money transfer guide · All providers
Always compare the total received in PHP, not the headline fee — a "zero fee" transfer can hide a poor exchange rate.
Tips to get more PHP for your money
- Compare the total PHP received for your exact amount, not just the fee.
- Compare a mobile-wallet payout (GCash, Maya) with a bank deposit — prices can differ by payout method.
- First-transfer promos (Remitly, Xoom) can win once — check the ongoing rate too.
- Watch the exchange-rate margin, not just the upfront fee.
- Send larger, less frequent transfers to spread fixed fees over more pesos.
Frequently Asked Questions
What is the live USD to PHP rate today?
Rates change continuously — use the converter above for the current mid-market USD/PHP rate. The amount received depends on the provider's margin and fee on top of that rate.
What is the cheapest way to send money to the Philippines?
There is no single cheapest option: price depends on amount, payment and payout method. Many providers serve US→Philippines (see the verified list on this page), with payout to bank accounts, mobile wallets or cash pickup; compare the total PHP received for your amount.
Can I send money directly to GCash?
Several providers list mobile-wallet payout for the Philippines on their own sites; check the provider's quote screen for GCash or Maya and compare the total received with a bank deposit.
Why is my rate worse than Google's?
Google shows the mid-market rate. Providers add a margin and sometimes a fee, so your effective rate is slightly lower. Compare the final PHP amount across providers.
How do I get the best USD–PHP rate?
Compare the total PHP received across two or three providers and payout methods, treat first-transfer promos as one-offs, watch the margin not just the fee, and send larger amounts less often.