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How to send money to the Philippines

Take advantage of low fees and competitive exchange rates when sending money to the Philippines.


Fact checked

There are plenty of international money transfer services to choose from when you want to send money to the Philippines. Generally, you open an account with the service provider, deposit your funds into the account and then initiate the transfer.

You’ll typically need to provide proof of identity, such as your driver’s licence or passport, and some personal details to open an account. Once your transfer has been placed, you’ll be provided with a receipt or tracking number so that you can monitor your transaction.

Although it’s simpler than ever before to send money to the Philippines, it’s vital that you shop around for the best deal so your recipient receives more money.

Send money to the Philippines with WorldRemit


An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.

  • Use promo code 3FREE to send your first three transfers with no fee
  • Easy to use with round-the-clock help
  • Get cash to family and friends in minutes

Your options to send money to the Philippines

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 60 1 day HKD 0.00 6.312 PHP
Skrill offers easy transfers to many popular destinations, but keep an eye out for added fees Go to site Show details
USD 10 1 - 2 days HKD 130.00 6.336 PHP
以透明的匯率,低收費及低最低金額的網上服務作匯款。 Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
USD 1 Within an hour HKD 20.00 6.311 PHP
提供現金提取、銀行戶口之間轉賬與及Airtime匯款選擇的網上匯款服務,。 An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
USD 100 1 day HKD 15.00 6.241 PHP
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用45種貨幣匯款。 Send money in 45 currencies.
Go to site Show details
GBP 5,000 1 - 2 days HKD 0.00 6.241 PHP
可匯款至20+個國家,無手續費。 Transfer money to 20+ countries with no transaction fees. Go to site Show details
SGD 1 1 day HKD 62.00 6.336 PHP
你首兩次港幣$15,000或以下的匯款,手續費全免。Pay no fees on your first two transfers, up to HK$15,000.
象徵式收費以及中間價匯率,可匯款至高達30多個國家。 Transfer money to over 30 countries with nominal fees and the mid-market exchange rate.
Go to site Show details
USD 5 1 - 2 days HKD 25.00 6.273 PHP
新客戶可享有首三個月無限次免手續費匯款。New customers get 3 months of unlimited free transfers.
可用15+種貨幣匯款,享有超越銀行的匯率以及快速轉賬時間。 Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
USD 50 1 day HKD 35.00 6.336 PHP
快捷又簡單的國際匯款服務,大部分匯款收取固定的0.5%手續費。部分貨幣更不設保證金率。 Quick and simple international money transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Banks vs international money transfer services

Most Hong Kong banks will allow you to send money from Hong Kong to the Philippines, and many people choose to use their banks when conducting international money transfers. However, transfers lodged with your bank can attract poor exchange rates and high fees, so you might be much better off looking to send funds another way.

Specialist money transfer companies offer fast and affordable overseas transfers, typically at much better exchange rates than those offered by banks. These companies also offer lower fees and faster turnaround times than banks, so it makes sense to compare your options before choosing a provider.

Paul sends money to the Philippines

Paul wants to send a gift of HKD$5,000 to his cousins in the Philippines, but he knows that using his bank to do so will be unnecessarily expensive. With this in mind, he decides to compare the exchange rate and fees of his bank with those offered by a specialist money transfer company. The results of his comparison can be seen in the table below.

Using a bankUsing a money transfer company
Exchange ratePHP1 = HKD$0.1445PHP1 = HKD$0.1497
Transfer feeHKD$65HKD$0
Transfer time2-5 daysInstant
Transfer optionsOnline, in branchOnline
Amount received for HKD$5,000 PHP33,010.03 incl. feePHP33,341.19
Difference (PHP)+PHP331.16

As you can see, not only can Paul save HKD$65 in fees but he can also send an extra 331.16 Philippine pesos to his relatives by using a money transfer company. Note, this example is fictional.

How do I compare transfer companies when transferring money to the Philippines?

Take the following factors into account when comparing the services offered by different money transfer companies:

  • Competitive exchange rates. You’ll obviously want to look for a company that offers attractive exchange rates. However, keep in mind that some companies with slightly lower rates than others may also offer higher fees.
  • Little to no transfer fee. Most companies will charge a fee for every transfer you make, either at a flat rate or as a percentage of your transfer amount. However, some companies will let you avoid any fees when you transfer more than a certain amount.
  • Flexible transfer methods and options. Can transfers be lodged online, over the phone and/or in a branch? Are there flexible options available to help make the transfer process easier and more affordable? For example, can you lodge regular scheduled transfers or place forward contracts?
  • Quick turnaround time. Compare the average processing time offered by each company for transfers to the Philippines.
  • Convenient pickup methods for your recipient. Some companies will allow cash pickups within minutes while others send funds directly to the recipient’s bank account.
  • Low minimum transfer amounts. Some companies have minimum transfer limits in place, which can be highly impractical if you only want to send a small amount of money.
  • Reliable customer service. Check to see if phone, email and live chat support are offered so that you can have assistance on hand if you ever need it.

How to send money to the Philippines from Hong Kong

The Philippine peso is traded regularly on global currency markets, which means you have plenty of options to choose from when looking to send money to the Philippines. These include the following:

  • Bank transfers. Many Hong Kong banks will let you send funds to the Philippines, though you should keep an eye out for poor exchange rates and high fees.
  • Money transfer for cash pickup. Western Union and MoneyGram allow you to send cash to the Philippines within minutes. You can then pick up the funds from a number of agent locations across the Philippines.
  • Money transfer companies. Specialist money transfer services like TorFX, OFX, WorldFirst, CurrencyFair, Travelex and WorldRemit offer fast and affordable international money transfers.
  • PayPal. You can send funds via PayPal if both you and your recipient have a PayPal account.
  • International money order. You can also obtain an international guaranteed cheque from your bank, which you can then post overseas.

Emergency cash transfers in the Philippines


There are some situations where you may need to transfer funds to the Philippines as quickly as possible. For example, you may have a relative visiting the region who had their wallet stolen by thieves and is in desperate need of cash to be able to return home to Hong Kong.

Whatever the case may be, it’s important that you exercise caution when lodging an emergency cash transfer. Make sure you know the exact exchange rate that will apply to your transaction and read the fine print to familiarise yourself with any fees and how long the transaction will take to be processed. Taking the time to do this now will ensure that you get a good deal.

Cash pickup locations in the Philippines

WorldRemit, Western Union and MoneyGram offer multiple branch locations across the Philippines where your recipient can pick up the funds you send. When you go to pick up funds, remember to take some ID and the details of your transaction with you. In addition, it’s also wise to phone ahead and make any necessary arrangements if you are picking up a large sum of cash.


WorldRemit allows you to make cash pickups at M Lhullier, Metrobank, Palawan Pawnshop, PSBank, LBC, BDO and Cebuana Lhullier branches.

  • Quezon City

    M Lhuillier

    Palawan 7 Quezon

    New Public Market, Poblacion 5304

  • CLH Bago Bantay

    132 D Ilocos Sur St cor Bukidnon St. Bago Bantay, Brgy. Ramon Magsaysay District 1


    Open Monday to Saturday 7am to 7pm, Sunday 7am to 6pm

  • Manila

    CLH G. Tuazon

    2019 G. Tuazon St. Cor. Honradez St. Ext., Brgy. 549 Zone 045, District IV, Sampaloc


    Open Monday to Saturday 7am to 8pm, Sunday 7am to 6pm

  • PSBank Caloocan

    G/F G. Raymundo Building, 314 EDSA

    Monumento, Caloocan

    (632) 361-2163

Western Union

  • Quezon City

    Aguirre Pawn Shop

    General Luis Street 245


    Quezon City, Metro Manila 1123


    Open Monday to Saturday 8am to 5pm

  • Alyanna Pawn Shop

    N Domingo Cor Dna Juana Rodriguez

    Alyanna Mini Mart

    Quezon, Metro Manila 1100


    Open Monday to Saturday 8am to 6pm

  • Manila

    Aguirre Pawn Shop

    Prime Block Podium Level

    Tutuban Center

    Manila, Metro Manila 1013


    Open 9am to 6pm seven days

  • China Banking Corporation

    J A Santos Ave Cor Batangas St No 2159


    Manila, Metro Manila 1014


    Open 9am to 4pm Monday to Friday


  • Quezon City

    Bank of Commerce

    Am Assoc Bld 28 Quezon Avenue

    Quezon City, 0


    Open 9am to 3pm Monday to Friday

  • Banco De Oro

    Cedar Executive Building II 26 Timog Ave Cor Sct Tobias St

    Quezon City, 0


    Open 8:30am to 5:30pm Monday to Friday

  • Manila

    Bank of Commerce

    609 SALES ST.


    MANILA, 1001


    Open 9am to 4pm Monday to Friday, 10am to 3pm Saturday

  • Banco De Oro

    No 116-120 C Palanca St Quiapo

    Manila, 1000


    Open 9am to 6pm Monday to Saturday

Tips for picking up cash in the Philippines

The Hong Kong Government recommends that travellers to the Philippines “exercise caution”, so keep this in mind when picking up cash. If possible, take a friend with you for extra protection, but make sure not to advertise the fact that you have a large sum of cash to anyone. Avoid questionable areas where muggings occur frequently and head straight to your bank to deposit the funds. You can also find some more great travel safety tips by reading online blogs and forums.

About the Philippines and Hong Kong

On a global scale, Hong Kong and the Philippines are located quite close to one another and enjoy friendly ties. In fact, Hong Kong is home to around 140,000 Filipinos, of which most work as domestic helpers. However the city is also a poplar travel destination for or neighbourly Filipinos. During the month alone of May 2018, a number of 90,537 Filipinos visited Hong Kong, while Hong Kong is also the 9th largest source of visitors visiting the Philippines in return.

When you consider this fact, it’s unsurprising that many people find themselves needing to transfer money between Hong Kong and the Philippines. While such transactions can be carried out via your bank, there are other more affordable ways to send money overseas.

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