Here's How You can Send Money from the USA to the Philippines

Written by
Lou Zarcal
Published on
November 13, 2023
Here's How You can Send Money from the USA to the Philippines

Welcome to our guide on how to send money from the USA to the Philippines - Fast and Easy Money Transfer Methods! In today's connected world, sending money across borders, especially from the USA to the Philippines, has never been easier or faster.

Whether you're trying to cash-out your monthly salary, managing business transactions, or simply making a personal transfer, this post will introduce you to the most efficient and user-friendly methods available for Filipinos. We're here to guide you through the process, ensuring your money reaches its destination safely and swiftly.

Factors to consider when sending money to the Philippines

Are you planning to send money from the United States to the Philippines? It's essential to keep in mind several factors when sending money. Firstly, assure that the money transfer service you're using is reliable and fast. You want to have a seamless process each time you send money. Secondly, consider exchange rates. The value of money in the United States can vary significantly in the Philippines.

Lastly, consider the transfer fees. Being able to look for a payment processing platform with affordable and transparent pricing is a top priority for anyone looking to transfer money from the United States to the Philippines. Let’s break it down further.

Understand the exchange rate and send money successfully

When you're looking to send money to the Philippines from the USA, understanding the exchange rate is essential. The exchange rate tells you how much of the local currency you'll get for each unit of your currency. This constantly fluctuates due to economic factors, so keeping up to date when exchange rates are up or down can help significantly especially if you plan to exchange money regularly.

In order to send money successfully, you need a platform with competitive rates. And it will help to know when to send money, so that you can get more Philippine pesos for your USD. Pay close attention to the currency market, track the rates, and always choose the best times to exchange your USD to maximize your value.

Look for reliable transfers every time you send money

When looking for a platform, you don't want to just send money to the Philippines without considering the platform's reliability, you want peace of mind too - after all that’s your hard earned money we’re talking about here. You want a platform with a regulated transfer process which means that you can trust your money is always headed reliably in the right direction. That means knowing if the platform offers insurance.

For example, a company may offer insurance up to $250,000, then you know that your money is safe with them no matter what. Lastly, you want to make sure that each transfer is successful. To go about this, you want to make sure that the platform or company you’re using has a proven track record or has decent reviews that are posted on a reliable medium.

How to transfer money from the USA to Philippines

It’s important to understand that the process of sending money to the Philippines shouldn’t be complicated. It should be an easy and swift process. When initiating a transaction on any platform, here are the usual steps that you’ll need to take to start receiving money and sending it to your local bank account.

  • Step 1: Sign-up - Choose an account on your platform of choice, and fill-up the necessary details during sign-up
  • Step 2: Verification - This can range from verifying via text message or doing the KYC(Know Your Customer) process which requires you to send in your local government issued ID.
  • Step 3: Add a bank account of your choice
  • Step 4: Start receiving and sending out your hard-earned money.

Finding your best option for sending money to the Philippines

Throughout the years, sending money to the Philippines has never been easier or more reassuring. With all the options out there, finding the best service is crucial for the success of your transactions. Our goal is to help you find the fastest and most reliable money transfer service, making every transaction a breeze. We’ll help you consider all the important aspects such as the exchange rates and service fees.

When helping you find the best option, our goal is to help you feel confident when sending money to the Philippines; to do that we want to help you find the best possible service that will meet your needs, ensuring a smooth and uninterrupted transaction, each and every time. Let’s get started!

Parallax: Built by Filipinos for Filipinos

Here at Parallax, we built our platform with Filipinos in mind to help make sending money from the USA to the Philippines a breeze. For us, it’s more than just a bank transaction, but more on making transfers from USD into PHP cheaper and quicker.

At Parallax, we understand the unique needs of Filipinos like you and are dedicated to providing a seamless experience. Our service is specifically designed with freelancers, remote workers, and local businesses in mind, ensuring hassle-free registration and convenient options to send money to any local bank account in the country.

Whether you're in the US or the Philippines, our growing popularity among Filipinos reinforces our commitment to serve you better. Experience the ease of transactions with our cooperative customer service team, always ready to assist with any questions or needs you may have. Join us now and experience the change in how you send money.

➡️ Learn more about Parallax's low conversions fees & fast payments for freelancers, remote workers, and business owners

Send money to the Philippines effortlessly and securely with Parallax

Parallax is your ideal choice for fast, reliable, and secure money transfer services. Our platform is engineered with advanced security systems to ensure that sending your hard-earned money is both safe and efficient. We excel in redefining the experience of sending money to the Philippines, offering a seamless and hassle-free process.

Parallax stands out because we're not just a service; we're a community. Created by Filipinos for Filipinos, we deeply understand the importance and nuances of your need to send money. Choose Parallax for your financial transactions – it's the smartest way to bridge your financial needs and ensure your money is sent securely and swiftly.

Platform built for freelancers, remote workers, and businesses in the Philippines

Whether you're a freelancer, a part of the growing workforce of remote workers, or running a business in the Philippines, sending and receiving money from the USA should be smooth and uncomplicated. That's where we come in. Designed specifically with the needs of Filipinos in mind, our platform makes the money transfer process straightforward and secure. No more worrying about high exchange rates or transfer reliability. Just send your money and let us handle the rest.

Here at Parallax, we ensure a smooth money transfer to businesses and individuals in the Philippines, fulfilling a massive need in the market. Trust us for all your money sending needs.

➡️ Create a free Parallax account today and enjoy low conversions fees & fast payments for freelancers, remote workers, and business owners

Bank account transfers: debit cards, credit cards, and online transfers

Bank transfers offer a straightforward and efficient method for sending money from the USA to the Philippines. This approach allows you to directly use your bank account, debit card, or credit card to initiate the transfer, ensuring a process that is both timely and effortless. Ideal for those who prefer the security and convenience of traditional banking methods, bank transfers simplify the process of moving funds internationally.

Whether you're a regular user of banking services or someone who values the ease of digital transactions, bank transfers provide a reliable and hassle-free solution for your financial needs, making international money sending as simple as a domestic transaction. The only downside of banks is that they charge a ton of fees which can go up to thousands of Pesos per transaction.


Paypal has been the go-to platform for sending and receiving money. It's essential to have an active Paypal account to execute a smooth money transfer. While sending money from the USA to the Philippines, it's a simple process with Paypal. Key in the number or the email of the account you wish to send money to, and hit send. It’s that simple. And if you’re looking to cash out the money from your bank account, then you can easily attach any local bank account to your Paypal account and you’re done!

Additionally, Paypal's helpful customer service is ready to assist. Please note that Paypal already converts the money into PHP when receiving USD. If you don’t like the idea of having the money converted right away, there are always other Paypal alternatives to choose from.


When it comes to sending money, Wise can be a potential partner for your transactional needs. With a Wise account, they promise to reduce the hassle at every step of the money transfer process. Offering competitive transfer rates, Wise ensures your bank account doesn't feel the pinch. Sending money from your bank account is made easy, considering the smart fee structure which is designed to offer real value. Multiple bank transactions are smooth as a breeze, repeatable, and reliable. Whether you are freelancing, running a business, or just sending money, Wise accommodates your needs. Rest assured your money will reach the Philippines swiftly, securely, and without hefty fees, just like with Parallax, a platform built by Filipinos for Filipinos.

Although recently, Wise users in the Philippines have been complaining they haven’t been receiving any money at all due to BSP regulations. If you need your money right away, then you might want to consider using Wise alternatives.


If you're looking to send money from the US to the Philippines, Payoneer is a proven platform. With Payoneer, you can easily receive USD and send PHP to your local account quickly. When you create an account, you can easily monitor your transactions and send funds directly to any other bank with fewer fees. Additionally, Payoneer's robust security measures ensure that your financial transactions are safe, giving you peace of mind with every transfer you make.

And this concludes our list, and if you think that you’d need an alternative to Payoneer, then you can refer to the other options we listed above!

FAQs on sending money from US to Philippines

Looking for FAQs on sending money from the US to the Philippines? Well, you're in luck! We know that sending money across borders can be confusing, even daunting. From selecting your bank, understanding the differing fees, getting the best exchange rates, to eventually hitting 'send', there's a lot to unpack. That's why we at Parallax, strive to make it as straightforward and secure as possible.

Built with a strong understanding of the Philippines' banking landscape, we vividly answer all your queries about the process and in-transit security. Whether you're using a bank, Paypal, Wise, or Payoneer, Parallax simplifies the task of sending money to the Philippines efficiently. Here some FAQs that we usually receive when sending money from the US to the Philippines:

  1. What are the best methods for sending money from the US to the Philippines? There are several methods to send money from the US to the Philippines, including traditional banks, and online platforms like Paypal, Wise, and Payoneer. Parallax simplifies this process, offering an efficient and secure way to transfer funds, regardless of the method you choose.
  2. How does Parallax ensure the security of my money during transfer?
  3. At Parallax, we prioritize the security of your funds during the transfer process. Our system is built with a deep understanding of the Philippines' banking landscape, incorporating robust security measures to protect your transactions from start to finish. On top of that all your transactions with our platform are FDIC insured up to $250,000, so you don’t have to worry even if you lose your money!
  4. Can I monitor my transactions when sending money to the Philippines through Parallax?
  5. Yes, Parallax offers a user-friendly platform where you can easily monitor your transactions. This feature allows you to track your funds in real-time, ensuring transparency and peace of mind throughout the transfer process.

Ready to send money to the Philippines? Choose Parallax.

Are you ready to send money to the Philippines? Choose Parallax, the new and upcoming platform built with freelancers, businesses, and remote workers in mind.

Our goal is for you to be able to send money easily and securely, and to keep as much of your hard-earned moolah as possible. Rest assured, each time you send money, you're using a reliable method. Unlike traditional methods, we prioritize smooth, swift and secure transactions. We make the process of sending money to the Philippines seamless.

Ditch the old way, and embrace the future with Parallax. Sign-up for a free Parallax account today!

➡️ Here's a demo on how you can convert your USD into PHP using Parallax

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