Compare real fees and exchange rates from the top remittance services β so more of your hard-earned money reaches your family.
π Based on May 2026 rate data
π CHEAPEST OVERALL
Wise
Uses the real mid-market exchange rate with no hidden markup. For most corridors (USD, KRW, SAR, AED, SGD β PHP), Wise beats Remitly, WorldRemit, and bank wires by a clear margin. New users often get their first transfer up to $2,000 fee-free.
Typical Fee
0.5% β 1.3%
Exchange Rate
Mid-market (real)
Speed
Minutes β 1 day
Best For
Bank / GCash
Today's Exchange Rate (Mid-Market)
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Amount
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Full Comparison (USD β PHP, $1,000)
Service
Fee
FX Markup
You Get (β±)
Speed
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Best Method by Situation
π» Wise β Bank Account or GCash
1
Best for regular monthly remittances. Real exchange rate, transparent fees, fast to GCash (often instant) or Philippine banks (same dayβ1 day).
CheapestNo hidden fees
π± Remitly Express β Cash Pickup
2
Best when your family needs cash same-day and doesn't have a bank account or GCash. Costs more in FX markup but very reliable delivery.
FastCash pickup
π WorldRemit β Mobile Wallet
3
Good backup option, low flat fees. Best for smaller, frequent transfers when Wise isn't available in your country.
Low flat fee
π¦ Bank Wire (SWIFT)
4
Avoid for regular remittances β highest fees and worst exchange rates. Only use for very large one-time transfers (e.g. property purchase) where your bank offers a negotiated rate.
Most expensive
π‘ Pro Tips to Save Even More
1
Compare on the day you send. Rates shift daily β apps like Wise let you compare against competitors live before confirming.
2
Send to GCash instead of cash pickup when possible β GCash transfers are usually faster and cheaper than physical pickup locations.
3
Avoid credit card funding β most services add a 3%+ surcharge. Use bank transfer or debit card instead.
4
Use first-time promos wisely. Remitly and WorldRemit offer good promotional rates for your first transfer β great for one large transfer, less useful for recurring ones.
5
Batch your transfers. Sending β±30,000 once costs less proportionally than sending β±10,000 three times, since flat fees don't scale with amount.