Send money internationally from the Philippines

Grey lets you send money internationally from the Philippines to the US, UK, Europe, Africa, and Indonesia directly from your PHP balance. The live exchange rate and total fee are shown before you confirm every transfer. Grey is a licensed financial services provider, regulated by FinCEN.

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Send money internationally from the Philippines

Grey is an international money transfer app for people in the Philippines who need to send money abroad. Fund your PHP balance, convert at the live rate, and send directly to bank accounts in the US, UK, Europe, Africa, and Indonesia. The exchange rate and fee are both shown before you confirm. What you see is what your recipient gets.

Your recipient does not need a Grey account. The money arrives in their bank account as a standard local transfer. BDO, BPI, Metrobank, UnionBank, and all major Philippine banks are supported for funding. GCash and Maya wallets can also be used to fund your Grey PHP balance.

The total cost of a transfer is the conversion fee plus the exchange rate margin. Grey shows both on the same screen before you tap Send. On a PHP 50,000 transfer, a 1% rate difference changes what your recipient receives by roughly 9 USD, 7 GBP, or 8 EUR.

Sign up

Open a free Grey account on your phone in under five minutes. Verify your identity with a valid Philippine government-issued ID or passport. Grey Inc is regulated by FinCEN.

Fund

Fund your Grey PHP balance via bank transfer from any major Philippine bank, including BDO, BPI, Metrobank, UnionBank, and Landbank. GCash and Maya are also supported for funding.

Send

Choose the destination country, confirm the live PHP exchange rate and fee, enter your recipient's bank account details, and send. Most transfers arrive within minutes to 1 to 2 business days depending on the corridor.

Which currencies does Grey support from the Philippines?

Grey supports PHP-to-USD transfers to the United States, PHP-to-GBP transfers to the United Kingdom, PHP-to-EUR transfers to 30 European countries via SEPA, PHP-to-NGN to Nigeria, PHP-to-GHS to Ghana, PHP-to-KES to Kenya, and PHP-to-IDR to Indonesia. All transfers show the live PHP exchange rate and total fee before you confirm.

On speed

Send PHP-to-USD directly to any US bank account. Wells Fargo, Bank of America, Chase, and all major US banks are supported. The swap fee on PHP-to-USD is 1% of the transfer amount. Transfers typically arrive within 1 to 2 business days.

On cost

Send PHP-to-GBP directly to any UK bank account via Faster Payments. Barclays, HSBC UK, Lloyds, and NatWest are all supported. The swap fee on PHP-to-GBP is 1% of the transfer amount. Transfers typically arrive within minutes from a funded Grey balance.

On transparency

PHP-to-EUR transfers reach 30 European countries via SEPA. PHP-to-IDR transfers are supported for Indonesia, a direct Asia-to-Asia corridor. Select the destination in the app, confirm the live rate and fee, and send. Grey shows the full cost before you confirm.

How much does it cost to send money abroad

PHP-to-USD and PHP-to-GBP are Group B currency pairs under Grey's fee structure. The swap fee is 1% uncapped on Group B pairs. PHP-to-EUR transfers to 30 European countries via SEPA are also supported at a competitive rate.

Every international transfer involves two costs: the visible fee and the exchange rate margin. Most services hide their margin in the rate, so a transfer advertised as zero fees can quietly cost more than one with a transparent fee. The only way to compare providers accurately is to look at what your recipient actually receives in their local currency, not the fee number alone.

Grey shows both numbers separately before you tap Send: the transfer fee and the exchange rate applied to your transfer. You see exactly what your recipient will receive in their local currency before you confirm. There are no adjustments after the fact.

Send money from the Philippines to United States

Send money from the Philippines to United Kingdom

Send PHP-to-GBP directly to any UK bank account via Faster Payments. Barclays, HSBC UK, Lloyds, NatWest, and all major UK banks are supported. The swap fee on PHP-to-GBP is 1% of the transfer amount. Transfers typically arrive within minutes from a funded Grey balance.

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Best way to send money internationally from the Philippines

If total cost matters most

Calculate what your recipient actually receives in their local currency, not just the exchange rate. Grey shows the conversion fee and exchange rate separately before you send. Traditional bank wire transfers from the Philippines typically charge high visible fees plus a 2 to 4% rate markup. Grey shows both numbers separately so you can compare the total cost.

If speed matters most

Transfers to the UK and Europe typically arrive within minutes from a funded Grey balance. Transfers to the US take 1 to 2 business days. PHP-to-IDR to Indonesia typically arrives within minutes to 1 business day. Traditional bank wires from the Philippines are the slowest and most expensive option.

If you need more than just transfers

Grey is the only provider in this comparison that also gives you a multi-currency balance to hold USD, GBP, EUR, and NGN, virtual cards for online payments, and GreyTag for free transfers to other Grey users that typically arrive within seconds. One app, more than one job.

FinCEN-regulated

Grey Inc is registered with FinCEN (Financial Crimes Enforcement Network), with a registered address at 651 N Broad St, Suite 206, Middletown, DE 19709, United States. Every transfer is processed in accordance with US financial regulations.

What currencies can I send from the Philippines with Grey?

Grey currently supports PHP-to-USD (United States), PHP-to-GBP (United Kingdom), PHP-to-EUR (30 European countries via SEPA), PHP-to-NGN (Nigeria), PHP-to-GHS (Ghana), PHP-to-KES (Kenya via M-Pesa or bank account), and PHP-to-IDR (Indonesia). All corridors show the live PHP exchange rate and fee before you confirm. Grey shows both the fee and the exchange rate separately before every transfer. There are no adjustments after the fact.

Your Philippine PHP converts to USD and lands in your recipient's US bank account. They receive it as a standard ACH credit. No foreign account needed on your end. The swap fee on PHP-to-USD is 1% of the transfer amount.

Your PHP converts to GBP and arrives in your recipient's UK bank account via Faster Payments, typically within minutes. No UK account required on your end. The swap fee on PHP-to-GBP is 1% of the transfer amount.

Western Union supports PHP transfers to cash pickup in some markets but charges a higher combined fee and exchange rate margin than Grey on most corridors. Grey delivers directly to bank accounts and mobile wallets with a transparent fee shown before you confirm.

PayPal and Xoom support some PHP send corridors but at higher fees and less favourable exchange rates than Grey on most corridors. Grey supports PHP transfers to the US, UK, Europe, Africa, and Indonesia with the live rate and fee shown before every transfer.

FAQs

What countries can I send money to from the Philippines with Grey?

Grey supports PHP-to-USD to the United States, PHP-to-GBP to the United Kingdom, PHP-to-EUR to 30 European countries via SEPA, PHP-to-NGN to Nigeria, PHP-to-GHS to Ghana, PHP-to-KES to Kenya, and PHP-to-IDR to Indonesia. The live exchange rate and fee are shown before every transfer.

What is the fee for sending money from the Philippines with Grey?

Grey charges a 1% swap fee on PHP transfers. There is also a flat withdrawal fee depending on the destination. Both fees are shown in the app before you confirm. No hidden margin in the exchange rate.

How do I fund my Grey account from the Philippines?

You can fund your Grey PHP balance via bank transfer from BDO, BPI, Metrobank, UnionBank, and Landbank. GCash and Maya wallets are also supported for funding. Transfers typically post to your Grey balance within minutes to 1 business day.

Is Grey available in the Philippines?

Yes. Grey is available in the Philippines. You can open a free Grey account on your phone, fund it with PHP via bank transfer or GCash, and send money internationally.

Is Grey licensed to operate in the Philippines?

Can I send money from the Philippines to Europe with Grey?

Yes. Grey supports PHP-to-EUR transfers to 30 European countries via SEPA. SEPA transfers typically arrive within minutes from a funded Grey balance.

Can I send money from the Philippines to Indonesia with Grey?

Yes. Grey supports PHP-to-IDR transfers directly to Indonesian bank accounts including BCA, BNI, Mandiri, and BRI. This is a direct Asia-to-Asia corridor. Transfers typically arrive within minutes to 1 business day.

How does Grey show the exchange rate for PHP transfers?

Grey shows the live PHP exchange rate inside the app before you confirm every transfer. The rate you see is the rate applied to your transfer. There are no adjustments after the fact.

Can my recipient receive money without a Grey account?

Yes. Your recipient does not need a Grey account. The money arrives in their bank account as a standard local transfer, the same way any domestic payment would appear in their banking app.

What is the difference between the swap fee and the exchange rate margin?

The swap fee is a visible charge shown before you confirm. The exchange rate margin is the difference between the mid-market rate and the rate applied to your transfer. Grey shows both the fee and the rate separately before you confirm.

Does Grey support GCash for sending money from the Philippines?

GCash can be used to fund your Grey PHP balance. Once your balance is funded, you can send money internationally to the US, UK, Europe, Africa, or Indonesia. GCash is not currently a direct send channel for international transfers.

Send money internationally from the Philippines

Send money internationally from the Philippines

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Fund

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Which currencies does Grey support from the Philippines?

On speed

On cost

On transparency

How much does it cost to send money abroad

Best way to send money internationally from the Philippines

What currencies can I send from the Philippines with Grey?

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