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 tracking.
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.
Best ways to send USD to the Philippines
| Provider | Typical cost | Notes |
|---|---|---|
| Wise | Low % margin, transparent | Mid-market rate |
| Remitly | Low fee; first-transfer promo | Fast; Economy vs Express |
| GCash (via partners) | Low fee to e-wallet | Instant to GCash wallet |
| Western Union / Ria | Higher margin; cash pickup | Wide pickup network |
| Banks / wire (SWIFT) | Highest cost | Convenient but worst rate |
Always compare the total received in PHP, not just the headline fee — a "zero fee" transfer can hide a poor exchange-rate margin.
Tips to get more PHP for your money
- Compare the total PHP received for your exact amount, not just the fee.
- Sending to a GCash or Maya e-wallet is often cheaper and instant.
- 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?
Wise and Remitly are usually strong on cost and speed; sending to a GCash/Maya wallet is often cheapest and instant. Western Union suits cash pickup. Compare the total PHP received for your amount.
Can I send money directly to GCash?
Yes. Several services (including Wise and Remitly via partners) deposit directly to GCash or Maya e-wallets, which is usually fast and low-cost compared with cash pickup.
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 total received across Wise, Remitly and an e-wallet deposit, use first-transfer promos, watch the margin not just the fee, and send larger amounts less often.