Topic · 17 pages
Fees & exchange rate
Every transfer home has two prices: the posted fee and the exchange-rate margin. The dated comparisons that show the real cost.
How much do OFWs send home: the BSP remittance figures by year
Overseas Filipinos sent a record $35.63 billion home in 2025 (BSP cash remittances, +3.3%). Jan–Aug 2026: $23.42 billion, up 2.2%. By year, source and month.
A monthly padala tracking system: the fields a log keeps, and the closing step most miss
A cross-provider structure for a monthly padala log: date, channel, amount, fee, reference, confirmation, and why a bank's tracker isn't the same thing.
Cheapest way to send money to the Philippines (USD→PHP)
World Bank RPW, Q3 2025: sending USD 200 from the US to the Philippines cost 4.52% (USD 9.03) on average; USD 500, 2.87%. Fee and FX margin by product.
Remittance apps vs banks vs padala centers: how the costs differ
How the cost structure differs between remittance apps, bank transfers, and padala centers for USD→PHP — fee vs FX margin vs reach. Information, not advice.
How to send money to GCash from abroad: the providers and the trade-offs
GCash's own limits from Oct 1, 2026: Basic wallets receive PHP 5,000 a month, Fully Verified PHP 1,000,000. Plus the providers that post a GCash payout.
Remitly Express vs Economy: what Remitly posts now, and what it stopped posting
Remitly's US→PH pages no longer post Express and Economy delivery timeframes as of 2026-09-06. What they do post: fee by delivery method, and the promo caveat.
Cash pickup vs bank deposit vs e-wallet: comparing remittance payout methods
Cash pickup, bank deposit and e-wallet payout, compared on the fees and delivery speeds four providers post for the Philippines — read on their own pages.
Send money to the Philippines from Canada, the UK, or the UAE: corridor differences
Sending to the Philippines from Canada, the UK or the UAE: the providers verified per corridor, the sending-side regulator, and the posted figures that differ.
December remittance timing: Philippine holidays 2026
Dated December 2026 Philippine bank holidays (Proclamation No. 1006) and which payout channel — cash, e-wallet or bank deposit — a closure holds up.
Cheapest way to send money from Australia to the Philippines (AUD→PHP)
What the World Bank Australia→Philippines corridor records for total cost at AUD 200 and AUD 500, plus what Wise, Remitly and WU post — sourced and dated.
Who pays to receive money in the Philippines?
What the family nets: cash pickup and GCash are free to receive, but GCash cash-out and a bank SWIFT wire carry a fee. The receive-side cost, sourced.
Sending money from the UK to the Philippines: fees and FX margin compared (2026)
World Bank RPW, Q3 2025: sending GBP 120 from the UK to the Philippines cost 3.33% on average in fee plus FX margin. One row per firm, dated and sourced.
Sending money home for Christmas: what changes in December (and the Philippine holidays to watch)
Sending money to the Philippines for Christmas changes timing, not mechanics: the 2026 December non-working-day calendar and the BSP peak, sourced and dated.
Undas 2026 from abroad: sending money and flowers for November 1–2
When is Undas 2026, and how overseas Filipinos send money for Undas from abroad and arrange flowers — with the dated holiday facts kept on the page.
Cash pickup, bank deposit, or e-wallet: choosing the payout for the receiver
The payout method is chosen for the person receiving, not the person sending. The factors that actually decide it, with the dated costs linked.
How a Western Union padala actually works: the agent-network model
Western Union isn't an app or a bank, it's an agent network. How cash pickup by reference number works, why it persists, and where its cost sits.
Exchange rate vs. fees: why the cheapest-looking transfer often isn't
Every transfer home has two prices, not one. How the exchange-rate margin works, why a zero-fee app can still cost more, and what actually to compare.