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Send money to the Philippines, GCash and bank delivery from your Grey balance
Filipinos in Singapore span a wide range of occupations: domestic workers in Orchard Road and Novena, nurses at Gleneagles and SGH, engineers at Jurong Island, finance professionals in the CBD. What they share is a remittance pattern. A portion of every salary goes home to Manila, Cebu, Davao, or a provincial town. It goes to parents, children, siblings, and the household budget that depends on it.
GCash has made the receiving side seamless for most Filipino families. The transfer that used to require someone to queue at a pawnshop or Western Union branch now arrives in a GCash wallet within minutes. Grey supports GCash delivery directly. Enter the GCash-registered mobile number, confirm the PHP amount, and the credit arrives. Your recipient gets an SMS from GCash confirming the amount.
For recipients without GCash, Grey delivers to BDO Unibank, BPI, Metrobank, UnionBank, Land Bank, and most other Philippine commercial banks. The PHP credit appears as a standard bank transaction. No Grey account required on the receiving end.
How to send money to the Philippines from Singapore
Sign up
Open a Grey account in under five minutes on your phone. Verify with a valid passport or Singapore NRIC. Grey Inc is registered with FinCEN at 651 N Broad St, Suite 206, Middletown, DE 19709, United States.
Fund
Your Grey USD account comes with US routing and account numbers. Share them with your employer for salary payments or with clients for invoices. Income lands in Grey directly. That Grey balance is what you send from.
Send
Enter your recipient's GCash number or bank details. Confirm the USD-to-PHP rate and fee. Send. Transfers arrive within minutes.
What does it cost to send money to the Philippines from Singapore
Specialist OFW remittance services like Remitly and iRemit advertise a competitive flat fee. What they do not always show clearly is the USD-to-PHP rate applied, which may be 1 to 3 percent below mid-market. Grey shows both the conversion fee and the rate before confirmation.
For GCash delivery, Grey's combination of near-market rate and within-minutes delivery is competitive with specialist services. The PHP amount shown in Grey at confirmation is the GCash credit your recipient receives.
For monthly transfers of SGD 400 to SGD 800, a 1.5 percent rate difference is SGD 6 to SGD 12 per transfer. Across 12 months that is SGD 72 to SGD 144 in invisible rate cost that does not appear on any fee receipt.
How the USD to PHP rate works
The PHP is relatively stable against the USD, but the rate margin applied by different providers varies meaningfully. A 2 percent margin on a USD 500 transfer reduces the PHP recipient receives by roughly PHP 1,100.
Grey applies a rate close to the mid-market rate, shown before confirmation. The rate is locked at the moment you confirm. GCash credits the PHP amount confirmed, with no further deduction.
The mid-market rate is what the currencies trade at between banks. Any margin above it is provider revenue collected silently through the rate.
How does Grey compare to Singapore bank transfers to the Philippines
GCash delivery from a funded Grey balance arrives within minutes. Bank delivery to BDO, BPI, and Metrobank is also within minutes. Remitly Express and iRemit offer similar speeds on GCash delivery.
For Sunday evening transfers or transfers on Philippine holidays, Grey and GCash both process at any time. Your recipient can spend the PHP the moment it arrives in their GCash wallet.
What your recipient sees in the Philippines
Your recipient receives a standard local bank credit. They do not need a Grey account.
Bank account delivery
Grey delivers to BDO, BPI, Metrobank, GCash. Enter the account details in the Grey app.
Transfer speed
Transfers from a funded Grey balance arrive within minutes.
GreyTag transfers
If your recipient has a Grey account, send via GreyTag for free and instant delivery in any currency.
How to fund your transfer
Your Grey USD account receives your Singapore salary from your employer. Share the Grey routing and account numbers with HR once. Every payroll cycle, salary lands in Grey. Sending to GCash or a Philippine bank then takes under two minutes.
Employer payroll
Share Grey USD account details with your employer once. Every salary cycle, USD lands in Grey automatically.
USD wire transfer
Wire USD from any bank to your Grey account. Useful if salary arrives elsewhere first.
Existing Grey balance
If you already hold USD in Grey, send immediately without a new deposit.
Domestic workers in Singapore often receive salary on a monthly or fortnightly cycle. Grey supports sending immediately when the salary clears. There is no delay between funding and the ability to send.
Who sends money from Singapore to the Philippines
Monthly family support
Regular monthly transfers to support parents, siblings, or children in the Philippines. Grey's rate lock and fast delivery make it reliable for recurring transfers.
Education payments
School fees and university tuition for family in the Philippines. Time-sensitive payments that must arrive in the right account by a deadline.
Business and freelance
Singapore-based businesses paying suppliers or contractors in the Philippines. Freelancers routing client payments home.
Savings and investment
Converting Singapore earnings into PHP for savings or investment in the Philippines.
The Singapore-to-Philippines remittance covers a distinct set of obligations: household expenses for parents and children left behind, tuition payments at Philippine private schools and universities, medical expenses for older family members, and savings contributions toward land purchase or a family home. GCash's flexibility means a single transfer covers multiple needs simultaneously.
Best way to send money from Singapore to the Philippines
FAQs
How do I send money from Singapore to the Philippines with Grey?
Your salary or client payments arrive in your Grey USD account. Enter your recipient's Philippine bank or GCash details, confirm the USD-to-PHP rate and fee, and send. BDO, BPI, Metrobank, and GCash are all supported. Transfers typically arrive within minutes.
Does Grey support GCash from Singapore?
Yes. Grey supports GCash delivery for transfers from Singapore to the Philippines. Enter your recipient's GCash-registered mobile number and the funds arrive as a GCash credit, typically within minutes.
What is the USD to PHP rate today?
The current USD-to-PHP rate is shown in the Grey app before you confirm. The rate at confirmation is the rate applied. It does not change between confirmation and delivery.
How long does a transfer from Singapore to the Philippines take?
Transfers to Philippine banks and GCash from a funded Grey balance typically arrive within minutes. BDO, BPI, Metrobank, UnionBank, GCash, and Maya are all supported.
Which Philippine banks does Grey support?
Grey delivers to BDO Unibank, BPI, Metrobank, UnionBank, Land Bank, PNB, and most major Philippine commercial banks, as well as GCash and Maya.
Is Grey cheaper than specialist OFW remittance services for Singapore to Philippines?
Specialist OFW services advertise a flat fee but apply rate margins of 1 to 3 percent. Grey shows the conversion fee and rate separately before confirmation. For GCash and bank delivery, compare the PHP amount the recipient actually receives to evaluate the true total cost.
Can domestic workers in Singapore use Grey to send money to the Philippines?
Yes. Any Singapore resident with a valid passport and a USD funding source can use Grey. Domestic workers who receive USD salary can use their Grey account details for employer payroll.
What is the fee for sending money from Singapore to the Philippines?
The conversion fee and exchange rate are both shown in the Grey app before you confirm. No additional charges apply after confirmation.
How do I track my transfer to the Philippines?
Grey shows the transfer status in the app. Your GCash recipient also receives an SMS confirmation when funds arrive. Bank recipients see a standard bank credit notification.
Can I send to a Maya wallet from Singapore?
Yes. Grey supports Maya delivery for transfers from Singapore to the Philippines. Enter your recipient's Maya-registered mobile number or account details.
How often can I send money from Singapore to the Philippines?
There is no frequency limit. You can send as often as your balance and account limits allow.
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