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How to send money to the UK

Compare your options when sending money to the UK from the Philippines.

In this guide, we compare a variety of different methods for sending money between the Philippines and the UK, helping you find the best value when transferring funds overseas. By using a dedicated online transfer service instead of sending the funds through your bank, you can save money on the cost of your transfer.

Compare money transfer options to the UK from the Philippines

Use the table below to compare transfer options from the Philippines to the UK. Sort through products using the headings at the top of the table, and if you’d like to find out more about a product or register an account, click the “More” or “Go to Site” buttons respectively.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
PHP 1 1 - 2 days PHP 0.00 0.015 GBP
152
WorldRemit Philippines lets you use your debit, credit or pre-paid card to send instant mobile airtime top-ups. Go to site Show details

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The “Rate” and “Amount Received” displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

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Banks vs money transfer companies

When you need to send money overseas, using your bank might seem like the logical choice. You can send funds from your everyday transaction account, making it incredibly convenient, and you also get the peace of mind of dealing with a financial institution you trust.

However, sending international money transfers via your bank is a mistake for two reasons:

  • Low exchange rates. Banks impose a hefty margin on top of the foreign currency they sell, which means you receive an exchange rate that’s well below the mid-market rate.
  • High fees. Most banks impose transaction fees of at least USD 25 (or the equivalent thereof) on international transfers.

If you’re looking for better value for money, you can often find it from a dedicated online money transfer company. These providers specialise in international transfers and usually offer much better exchange rates and lower fees than the banks. This means you can enjoy substantial savings when sending money between the Philippines and the UK.Back to top

How to send money between the Philippines and the UK

There are several options to choose from when you need to send money between the Philippines and the UK:

  • Money transfer services. Online money transfer providers offer competitive exchange rates, minimal transaction fees and access to a wide range of currencies. Many providers also offer flexible options such as forward contracts and limit orders to help you find better value for money.
  • Banks. You can send international transfers direct from your regular bank account, but you’ll need to be willing to accept a lower exchange rate and higher transfer fees. You may also want to consider using a multinational bank that offers accounts specifically designed for international transfers.
  • Cash transfer companies. Western Union and MoneyGram operate extensive international money transfer networks, allowing you to send funds between the Philippines and the UK within minutes. The money you send is then available for your recipient to collect as cash from their nearest pickup location.
  • PayPal. If you and your overseas recipient both have PayPal accounts, you can send fast and convenient transfers between the Philippines and the UK using those accounts. You’ll need to link a bank account or credit card to your PayPal account to pay for the transaction, and be aware that the transfer fee is calculated as a percentage of your transaction amount. The fee also varies depending on whether or not you use a credit card to pay for your transfer, so it’s essential to check the total cost of a transfer before using PayPal to move money between the Philippines and the UK.

What will you need to send money to the UK?

If you want to send money from the Philippines and the UK using a cash transfer service, you’ll need the following information:

  • Recipient name. The recipient name you give to the cash transfer company must be exactly the same as it appears on the recipient’s photo ID.
  • Transfer amount. The person who is picking up the money will be asked how much has been sent as a security measure.
  • Tracking number. Your recipient will also have to provide a tracking number or transaction reference number.
  • Your details. For further security, they may be asked for your name and contact information.

There are many options available when you need to send money between the Philippines and the UK, so make sure you compare a range of providers to find the most convenient and affordable transfer provider.

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Emergency cash transfers

Regardless of whether you’re a tourist in the UK or vice versa, anything can happen when travelling overseas and you could find yourself in sudden need of cash. If your wallet or bag has been stolen, you should first report it to the local police and obtain a police report. Then look into the following choices for getting a fast cash replacement:

  • Your bank account. Many banks have emergency services to get you cash and a replacement card if you happen to lose your card or have your wallet stolen while overseas.
  • Cash transfer company. If you still have photo ID, you’ll be able to pick up a cash transfer sent to you by a friend or relative.
  • Travel insurance. Many travel insurance policies offer a cash solution if your wallet or purse is stolen while travelling. Make sure you keep the police report to submit to the insurer.
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Cash pickup locations in the UK

Western Union and MoneyGram offer myriad cash pickup locations throughout the UK. Before going to pick up a transfer, it’s worth phoning ahead to confirm a store’s location and opening hours. You should also make sure you remember to take your photo ID and the transaction reference number.

Tips for picking up cash in the UK

Although the Australian Department of Foreign Affairs and Trade lists the UK as a destination where no more than normal safety precautions need to be taken, you should always take simple steps to stay safe when picking up cash. Have a trusted friend accompany you to the agency and never overtly display your cash in public. Never carry a large sum of money for any longer than necessary and deposit the cash somewhere safe as soon as you can.

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