Detailed Comparison by Service
| Service | Pros | Cons | Our recommendation | Notice |
|---|---|---|---|---|
| Wise | True exchange rate, No hidden fees, Real-time tracking of your transfer, Multi-currency account available | Slightly longer delivery time to some banks, No cash pickup option | 💰 Best for: People who value transparency and low total cost. | Wise (formerly TransferWise) is known for its mid-market exchange rate — the same rate you see on Google, with no hidden markups. |
| Remitly | Instant transfers to major banks and cash pickup points, Frequent promos and bonus rates for first transfers, Excellent app for Android/iOS | Exchange rate slightly lower than mid-market, Small limits for new users | 💰 Best for: Users who want speed and convenience. | Remitly is one of the most popular services for sending money to the Philippines. It offers fast delivery — often within minutes, especially for cash pickup or mobile wallet transfers. |
| TransferGo | Same-day delivery for most banks, Simple web and mobile interface, Strong customer support | No cash pickup or wallet transfers, Not as fast as Remitly for small transfers | 💰 Best for: Users who prefer bank transfers and steady rates. | TransferGo focuses on fast bank-to-bank transfers with low fees and clear pricing. |
Let's compare transfer money services together
Sending money to the Philippines has never been easier — but choosing the right service can make a big difference in how much your family receives.
In this guide, we compare the top 3 trusted transfer providers — Remitly, Wise, and TransferGo — based on fees, exchange rates, delivery time, and customer satisfaction.
Let’s find out which one gives you the best value for your money.
| Provider | Exchange Rate (USD → PHP) | Fee | Delivery Time | Payment Options & Rating |
|---|---|---|---|---|
| Remitly | Competitive | From $0 | Instant to 1 hour | Bank, Card, Cash Pickup ⭐⭐⭐⭐⭐ (4.8/5) |
| Wise | Mid-market rate | Low transparent fee | 1–2 hours | Bank, Card ⭐⭐⭐⭐ (4.6/5) |
| TransferGo | Good rate | Low fee | Same day | Bank transfer ⭐⭐⭐⭐ (4.5/5) |
Which Service Should You Choose?
- If you’re sending money to a bank account and want the best exchange rate, choose Wise.
- If you need instant cash pickup in the Philippines, Remitly is the best option.
- If you prefer simple bank transfers with low fees, TransferGo is a reliable choice.
- Our recommendation: Most Filipinos choose Remitly for its speed and availability — especially for urgent family support.
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