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Philippine pesos, sent from a cedi balance
This corridor is mostly people, not invoices. Filipino nationals working in Ghana are a small but steady group: offshore and marine engineers around Takoradi, hospitality staff in Accra, technicians on installation contracts. They are paid here and their households are there.
The second thread is procurement. Ghanaian importers buy from Manila and Cebu suppliers, and crewing agents in Tema settle wages and agency fees in pesos.
Grey pays out in Philippine pesos, either into a bank account at BDO, BPI, Metrobank, UnionBank, Landbank or PNB, or straight into a GCash or Maya wallet on the recipient's mobile number.
Sending to the Philippines, step by step
Open an account
A valid identity document is all it takes. Filipino residents in Ghana can verify with their passport.
Top up
Cedis come in from any Ghanaian bank or from mobile money. Salaries paid in dollars can go to Manila from a USD balance without a cedi step.
Pay out
For a bank payout, enter the account number and the bank. For GCash or Maya, the registered mobile number is enough.
Where money leaks on this route
On Grey the peso figure is the headline, not the fee. You compare what the family actually receives each month, which is the only number anyone at the receiving end cares about.
The peso amount holds from the moment you confirm
Households budget in pesos. Tuition at a school in Cebu, a monthly amortisation, a grocery run in Quezon City. If the amount slides between sending and arriving, someone has to make up the difference.
Grey fixes the PHP figure at confirmation, so what you promise on a Friday in Takoradi is what lands.
Grey against the usual options from Ghana
A Ghanaian bank sending to the Philippines routes through correspondents and settles in days, with charges applied at more than one point. Cash agents are quicker but hand the recipient a collection errand and a queue. Grey sends pesos to the account or wallet the family already uses, and the cost is visible before you agree to it.
What the family in the Philippines sees
Pesos in their own bank account or e-wallet, typically within minutes of a funded transfer. No Grey account needed at their end.
Bank payout
BDO, BPI, Metrobank, UnionBank, Landbank and PNB all receive PHP directly from the app.
GCash and Maya
Enter the registered mobile number and the pesos sit in the wallet balance, ready to spend or cash out.
Grey to Grey
If someone in Manila also uses Grey, a GreyTag transfer is free and lands in seconds.
Funding from Ghana
Everything starts with cedis or dollars already in your hands here. Getting them onto Grey is the only local step.
Mobile money in
The default for most monthly senders, and the fastest to confirm.
Bank transfer in
Better for agency settlements and supplier payments, where the amounts exceed wallet limits.
Hold before you convert
Keep cedis on Grey and fix the peso rate on the day you actually send.
Crewing agents paying a batch of wages at once find a single funded balance far less work than one top up per seafarer.
Who sends from Ghana to the Philippines
Filipino workers in Ghana
Engineers, technicians and hospitality staff in Accra and Takoradi supporting households in Cebu, Davao and Metro Manila.
Seafarers and crewing
Wages and agency fees paid out of Tema and Takoradi to Filipino crew and their manning agents.
Supplier payments
Ghanaian importers settling Manila and Cebu suppliers for electronics, food products and packaging.
Remote contractors
Accra businesses paying Filipino virtual assistants, designers and support staff invoicing in pesos.
A small corridor with sharp edges. Nearly every sender falls into one of four groups.
Why this route works better on Grey
FAQs
What currency arrives in the Philippines?
Philippine pesos, paid into the recipient's bank account or e-wallet locally. Nothing is delivered in dollars or cedis.
Can I send to GCash or Maya from Ghana?
Yes. Enter the recipient's registered mobile number and the pesos land in their GCash or Maya wallet balance.
Which Philippine banks does Grey reach?
BDO, BPI, Metrobank, UnionBank, Landbank and PNB, among others. Enter the account number and the bank name in the app.
I am a Filipino working in Accra. Can I use Grey?
Yes. Verify with your passport, fund in cedis from a Ghanaian bank or mobile money, and send pesos home.
Can a Tema crewing agent pay several Filipino seafarers at once?
Fund the balance once, then send each seafarer a separate transfer. Every transfer shows its own rate and fee before confirmation.
Does my family in Cebu need a Grey account to receive pesos?
No. The pesos reach the BDO or BPI account or the GCash wallet they already use, with nothing to install.
How do I fund a transfer from Ghana?
Top up your Grey balance from any Ghanaian bank or from mobile money, then convert cedis to pesos when you send.
Is the peso amount fixed before I confirm?
Yes. The rate is fixed at confirmation, so the peso figure on screen is what reaches the Philippines.
How fast does money reach the Philippines?
Transfers from a funded Grey balance typically arrive within minutes, whether the payout is to a bank account or an e-wallet.
Can I pay a Manila supplier's invoice in pesos?
Yes. Enter their bank account details and send the invoiced peso amount, with the rate and fee shown first.
Is my transfer trackable?
Yes. Every transfer is encrypted and trackable from confirmation to settlement, and you can see when the payout completes.
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