The real cost of sending money to the Philippines
Most sites show what you pay. We show what they get.
Four ways to send USD to PHP, ranked by total cost -- visible fees plus hidden FX margin combined. Including the stablecoin route most comparison sites omit. No marketing spin.
See the comparison →How total cost is calculated
We compare what the recipient actually receives against the mid-market exchange rate with zero fees. The difference — visible fees plus hidden FX margin combined — is the total cost. Ranking is by total cost only; affiliate links never affect order.
Full methodology →Recent guides
All guides →- Do stablecoins cut credit card merchant fees? Why 3% hasn't moved
Last updated: 2026-05-24
- The four cross-border payment rails: stablecoins, FedNow, PayNow, and UPI
Last updated: 2026-05-24
- Getting paid in stablecoin: payroll mechanics, US tax, and what it looks like for a Filipino contractor
Last updated: 2026-05-18
More corridors will be added once each can be verified weekly. Depth before breadth.