Send money to the Philippines from the United States
Grey sends money from the US to the Philippines directly to any major bank account or e-wallet. The live USD to PHP rate and total fee are shown before you confirm. BDO, BPI, Metrobank, UnionBank, GCash, and Maya are all supported. Transfers from a funded Grey balance typically arrive within minutes. Grey is a licensed financial services provider, regulated by FinCEN.
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Send money to the Philippines, straight to any bank account or e-wallet
When you send money to the Philippines through Grey, the transfer lands directly in your recipient's bank account or e-wallet. BDO, BPI, Metrobank, UnionBank, and other major Philippine banks are supported. Or send to GCash and Maya, and the pesos arrive in whichever app your recipient already uses.
Your recipient does not need a Grey account. They do not need to visit a pickup location or wait for a wire to clear. The money arrives as a standard PHP credit, typically within minutes of you confirming the transfer.
The total cost of a transfer is the fee and the exchange rate together. Some services advertise zero fees but mark up the rate. On a $1,000 transfer, a 2% rate markup costs more than a $20 fee. Grey shows both numbers on the same screen before you tap Send.
How to send money to the Philippines from the United States
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid US government-issued ID. Grey Inc is regulated by FinCEN.
Fund
Add money from your US bank account via ACH transfer or wire, or send directly from your existing Grey balance.
Send
Enter your recipient's Philippine bank account number or e-wallet details. Confirm the live USD to PHP rate and fee. Send. The money typically arrives within minutes.
How much does it cost to send money to the Philippines
Every transfer from the US to the Philippines 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 exchange rate is usually the bigger factor on larger transfers. On a USD 500 transfer, a 1% rate difference changes the peso amount your recipient receives by roughly 28 PHP. A provider advertising no fee but applying a 2% rate markup costs more than one charging USD 5 with a rate close to the mid-market.
Grey shows the fee and the exchange rate separately before you tap Send. The pesos amount your recipient will receive is on screen before you confirm. The rate shown is the rate applied. There are no adjustments after the fact.
How exchange rates work: USD to PHP
The USD to PHP exchange rate is the number that actually determines how many pesos your recipient receives. On a USD 500 transfer, a 1% difference in the rate is roughly 280 PHP. That gap widens on larger or more frequent transfers.
Grey shows you the live USD to PHP rate before you confirm the transfer. The rate on screen is the rate applied. You see the exact PHP amount before you send, not after.
Some providers offer zero visible fees but embed a 1-3% rate markup. On a USD 500 transfer, a 2% markup costs USD 10 in lost value regardless of what the fee line says. Grey separates the rate and the fee so the total cost is visible before you commit.
How fast is each provider?
Grey and Remitly both deliver to Philippine bank accounts and e-wallets within minutes from a funded balance. Wise typically settles in 1-2 business days. Western Union offers agent pickup but at a higher combined cost. Bank wires are the slowest and most expensive option for most amounts.
What your recipient sees in the Philippines
Your recipient does not need a Grey account. The money arrives as a standard PHP credit in their bank account or e-wallet balance, the same way any domestic transfer would appear.
Bank account delivery
Grey sends to major Philippine banks including BDO, BPI, Metrobank, UnionBank, Landbank, and PNB. Enter the account number and the bank name in the Grey app. Withdrawal fee: $0.85 flat.
E-wallet delivery
Send directly to GCash or Maya. Enter your recipient's registered mobile number and the pesos land in their e-wallet balance. Both are among the most widely used payment apps in the Philippines. Withdrawal fee: $0.85 flat.
GreyTag transfers
If your recipient has a Grey account, send via GreyTag instead. GreyTag transfers are free and arrive within seconds, in any currency.
Ways to fund your transfer
Whether you are transferring money to the Philippines for the first time or the fiftieth, Grey gives you three funding options
ACH transfer
Link your US bank account and fund via ACH. It is typically the lowest-cost deposit method. ACH transfers take 1-2 business days to reach your Grey balance. Fee: 0.8% of the deposit amount, minimum $2.
Wire transfer
Fund via domestic wire from your US bank. Grey receives wire funds the same day. Your bank may charge its own wire fee separately.
Grey balance
If you already hold USD in your Grey balance, you can send without waiting for a deposit to clear. Fund your balance in advance and transfers go out immediately.
Which option is cheapest? Grey displays the fee for each funding method before you confirm, so you can compare and choose. There is no penalty for switching between them.
Send money to the Philippines for every reason that matters
Family support
A nurse in Los Angeles sending her parents' monthly expenses in Cebu. A caregiver in New York covering household bills in Davao. An OFW family in San Francisco supporting siblings in Manila. On a recurring USD 400 transfer, a 1% rate difference adds up to nearly USD 50 a year.
Education
A parent in Chicago paying university tuition in Manila. A family in Houston covering boarding school fees in Pampanga. A couple in New Jersey sending school allowance to their child in Cebu every month without worrying about transfer delays.
Medical expenses
Covering hospital bills for a parent in Iloilo. Sending funds for a family member's treatment in a private Manila clinic. Medical costs in the Philippines often arrive without warning, and speed of delivery matters as much as the rate.
Business and freelancers
A US company paying a remote team in Metro Manila every fortnight. A client in California settling invoices with a Filipino contractor in pesos. Grey supports transfers to Philippine bank accounts without requiring a separate business account.
Your reasons may be different, but the need is the same: the money has to get there, the cost has to be clear, and the app has to work the same way it did last month. Do it all on Grey, with the rate and fee shown before every transfer.
Best way to send money to the Philippines from the United States
A global money app you can actually trust
Over 3 million people across 80+ countries use Grey to move money across borders. Your transfers are protected with bank-grade encryption, and every payout is tracked end-to-end. You'll know exactly when the money lands, and so will the person receiving it. If you have any questions, our support team is one tap away.
FAQs
How long does it take to send money to the Philippines from the US?
Transfers from a funded Grey balance to Philippine bank accounts and e-wallets typically arrive within minutes. If funding via ACH, allow 1-2 business days for the deposit to reach your Grey account first.
Can I send money to GCash or Maya from the US?
Yes. Grey supports transfers to GCash and Maya. Enter your recipient's registered mobile number and the pesos land in their e-wallet balance. Withdrawal fee is $0.85 flat, the same as bank delivery.
What is the fee for sending money to the Philippines from the US?
Grey charges a 1% conversion fee on USD to PHP transfers, uncapped. The withdrawal fee is $0.85 flat for both bank account and e-wallet delivery. The ACH deposit fee is 0.8% of the deposit amount, minimum $2.
Which Philippine banks does Grey support?
Grey sends to major Philippine banks including BDO, BPI, Metrobank, UnionBank, Landbank, and PNB, among others. E-wallet delivery to GCash and Maya is also supported.
What is the USD to PHP exchange rate today?
The live USD to PHP rate is shown inside the Grey app before you confirm your transfer. The rate at the time of confirmation is the rate applied. Grey does not adjust the rate after you send.
Does my recipient need a Grey account to receive money in the Philippines?
No. Your recipient does not need a Grey account. The pesos arrive in their bank account or e-wallet as a standard PHP credit, the same way any domestic transfer would appear.
How much can I send to the Philippines from the US?
The per-transaction maximum for PHP transfers is P175,101 for both bank and e-wallet delivery. Daily limit is $10,000 and monthly limit is $30,000.
Is Grey safe for sending money to the Philippines?
Grey Inc is registered with FinCEN, the US financial intelligence and regulatory agency. Grey is a licensed financial services provider, not a bank, regulated under US financial regulations.
Is it cheaper to send money to the Philippines with Grey or a bank wire?
Significantly cheaper. US bank wires to the Philippines typically cost $25-45 in visible fees plus an unfavourable exchange rate. Grey charges a 1% conversion fee and a $0.85 flat withdrawal fee, both shown before you confirm.
Can I send money to the Philippines from a Grey balance?
Yes. If you hold USD in your Grey balance, you can send to the Philippines without waiting for a deposit to clear. Transfers from a funded Grey balance typically begin within seconds.
What is the difference between sending to GCash vs a bank account in the Philippines?
Both GCash and bank account delivery cost $0.85 flat through Grey. GCash delivery is typically faster and does not require the recipient to have a bank account. Bank delivery requires an account number.
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