Send money to the Philippines from Ireland
Grey converts your euro balance into Philippine pesos and pays out to a bank account or an e-wallet. BDO, BPI, Metrobank, UnionBank, Landbank and PNB are supported, and so are GCash and Maya. The rate and the fee are both on screen before you confirm, and the rate is fixed at that moment.
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Pesos into a bank account or a GCash number
When you send to the Philippines through Grey, the euro on your balance converts to pesos once and lands where your family actually keeps their money. That is a bank account at BDO, BPI, Metrobank, UnionBank, Landbank or PNB, or an e-wallet balance on GCash or Maya, reached by the mobile number they already use.
The e-wallet route is not a lesser option here, and on this corridor it is often the better one. A parent in a province town may be an hour from the nearest branch of any bank, while the phone is in their hand. Money sent to a GCash or Maya number is spendable the moment it lands, at a sari-sari store, a pharmacy counter or a load top up, with no journey involved.
Filipino nurses, healthcare assistants and midwives are a large part of who sends along this corridor from Ireland. HSE hospitals and private care homes in Dublin, Cork, Galway, Limerick and Waterford recruited heavily from the Philippines, and a fortnightly payslip in euro turning into pesos at home is an ordinary part of the month for thousands of people here.
Your recipient needs no Grey account. They do not queue at a remittance counter, they do not show a reference number to a clerk, and they do not travel to collect anything. The pesos arrive as an ordinary credit, in the app or the account they check anyway.
Sending to the Philippines in three steps
Sign up
Open a free Grey account on your phone in about five minutes, verified with a valid identity document such as a passport or an Irish driving licence.
Fund
Top up your euro balance by SEPA transfer from AIB, Bank of Ireland, Permanent TSB, An Post Money or a credit union, so the euro is waiting before payday pressure hits.
Send
Enter the Philippine bank account and the bank name, or the mobile number registered to their GCash or Maya wallet. Confirm the euro to peso rate and the fee, then send.
What it costs to send euro to the Philippines
Because remittance to the Philippines is a monthly habit rather than a one off, the arithmetic compounds in a way that is easy to miss. A gap of a peso or two on the rate looks like nothing against a single transfer and turns into a week of groceries across a year of sending.
It also pays to decide the payout point on cost, not on habit. Bank and e-wallet payouts both go out from the same euro balance, so the question is simply which one your family reaches more easily. If someone is paying a bus fare and a day of their time to get to a branch, an e-wallet that costs nothing to reach is the cheaper answer even when the transfer itself is priced the same.
How the euro to peso rate is fixed
The peso moves against the euro all day. Grey shows you the rate it is offering and the fee alongside it, and that rate is fixed at the moment you confirm. What appears on screen is what your family receives, and a move in the market ten minutes later does not reach back into a transfer you have already sent.
This matters most when the amount is not yours to choose. Tuition at enrolment, a hospital bill, a fixed contribution to a household budget: these are peso figures, and you are working backwards to the euro needed to meet them. Fixing the rate at confirmation is what lets you send the right amount rather than an approximate one.
Grey against an Irish bank transfer to the Philippines
An international transfer from AIB, Bank of Ireland or Permanent TSB to a Philippine bank goes through the correspondent banking network, where the fee is visible, the exchange rate margin usually is not, and an intermediary bank may take a cut along the way that nobody warned you about. No Irish high street bank will pay out to a GCash or Maya wallet at all. Grey converts once, shows the rate and the fee together before you confirm, pays into banks and e-wallets both, and tracks the transfer to settlement. Many people in Ireland already have Revolut on their phone, and this is not an argument about which apps you keep. What Grey adds is a euro balance, a virtual Mastercard, GreyTag for free instant transfers between Grey users, and a payout network built for corridors like this one.
What your recipient sees in the Philippines
Pesos arrive as a standard credit in a Philippine bank account or as a balance in a GCash or Maya wallet. No Grey account, no collection, no reference number to recite at a counter.
Bank account payout
BDO, BPI, Metrobank, UnionBank, Landbank and PNB are all supported. You enter the account number and the bank name in the Grey app, and the pesos land as a normal credit.
GCash and Maya
Send to the mobile number registered to the wallet and the pesos land in that balance. Both are among the most used payment apps in the Philippines, which is why a province address is no obstacle here.
GreyTag between Grey users
If a sibling or a cousin in Manila also uses Grey, send to their GreyTag instead. It is free, instant, and works in any currency Grey supports.
Ways to put money into your Grey account
Sending home is usually a fixed date rather than an occasion, so the funding should be as dull and automatic as possible.
A standing euro transfer
Set the transfer from your Irish current account for the day your wages clear. The euro is on the balance before the peso amount is needed at home.
Top up ahead of a known date
Enrolment season and medical bills arrive on a schedule. Funding a week early means the send itself is a two minute job on the day.
Other currencies you hold
USD, provided by Lead Bank, and GBP can sit in the same account and convert to euro when you want them to, priced before you accept.
Save the account number or the wallet number the first time. After that, sending the monthly amount takes an entry and a confirmation, which is what you want at the end of a long shift.
What people send from Ireland to the Philippines for
Monthly support at home
Groceries, electricity, and a parent's medication, sent on the same date each month. Frequently to a GCash wallet, because the person spending it is not near a branch.
Tuition and enrolment
School and college fees for a younger sibling, a niece, a nephew or a child left with grandparents. These are exact peso figures, so a rate fixed at confirmation matters.
Medical costs
Hospital admissions and maintenance medicine, often paid for by the one member of the family who works in healthcare in Ireland. Speed matters more than anything else here.
Building and land at home
Payments to a contractor putting up a house in the province, sent in instalments as the work goes on. Usually to a bank account rather than a wallet.
Steady obligations, mostly, with the occasional one that cannot wait a day.
Why send to the Philippines with Grey
The point of a remittance corridor is not novelty. It is that the same amount arrives on the same day, in the currency your family spends, without anyone having to travel for it or ring you to ask where it is.
Grey converts once, shows the rate and the fee before you confirm, and pays into Philippine banks and e-wallets alike. From there the transfer is trackable until it settles, so the answer to where is it is on your own screen.
FAQs
Can I send from Ireland straight to a GCash number?
Yes. Enter the mobile number registered to the GCash wallet and the pesos land in that balance. Maya works the same way.
Which Philippine banks does Grey pay out to?
BDO, BPI, Metrobank, UnionBank, Landbank and PNB. You enter the account number and the bank name in the Grey app.
Does my family in the Philippines need a Grey account?
No. Pesos arrive as an ordinary credit in their bank account or e-wallet. Nothing is collected and no reference number is needed.
Is the euro to peso rate fixed before I send?
Yes. The rate and the fee are shown together on the confirmation screen, and the rate is fixed at the moment you confirm.
How quickly do pesos reach a BDO or GCash account?
Transfers sent from a funded euro balance typically arrive within minutes, whether the payout point is a Philippine bank or an e-wallet.
Is a wallet payout better than a bank account for a province address?
Often, yes. GCash and Maya are reached on the phone, so nobody travels to a branch to get at the money.
How do I fund the euro balance I send pesos from?
Top it up by SEPA from AIB, Bank of Ireland, Permanent TSB, An Post Money or a credit union, then send pesos.
Can I send the exact peso amount a tuition bill asks for?
Yes. The confirmation screen shows the pesos your recipient receives, so you can work back to the euro the bill requires.
Can I switch between a bank payout and GCash month to month?
Yes. Both go out from the same euro balance, so you choose the payout point transfer by transfer.
What if my relative in Manila also uses Grey?
Send to their GreyTag instead. Transfers between Grey users are free, instant, and work in any currency Grey supports.
Can I track the transfer until the pesos land?
Yes. Every transfer is encrypted and trackable from the moment you confirm it until it settles at the Philippine end.
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