Send Money to the Philippines From Canada: 8 Services Compared (2026)

Sending money to the Philippines from Canada means paying Canadian dollars to a bank or a money transfer business that delivers Philippine pesos to a bank account, a mobile wallet such as GCash or Maya, a cash pickup counter or, with one provider, the recipient’s door. This page covers the Canada-to-Philippines route only: which services name which wallets and pickup networks, what each publishes about fees, limits and speed, and how four quotes read on the same day compared. Provider facts come from each provider’s own Canadian page, read on October 11, 2026. Cost rules come from the Financial Consumer Agency of Canada (FCAC) and reporting rules from FINTRAC. This page is general education, not financial advice. For other destinations, the wider comparison of international money transfer services from Canada covers ten services, and a separate page covers how to send money to India from Canada.

Eight ways to send money to the Philippines from Canada at a glance

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Eight services that send money to the Philippines from Canada: published transfer fee, delivery in the Philippines, wallets named, speed and sending limit

Feature	Transfer fee (as published)	Delivery in the Philippines	Wallets the provider names	Speed	Limit
Wise	$8.33 on $1,000 by bank transfer (October 11, 2026)	Bank account or mobile wallet	GCash, Maya (formerly PayMaya), GrabPay, Starpay, Bayad Wallet, TayoCash, ShopeePay and JuanCash	instant up to 50,000 pesos once Wise has received and converted the money, and usually 1 to 2 working days for larger amounts	9 million pesos per transfer to a bank account; 49,999 pesos per transfer to a wallet
Remitly	$0 to a bank deposit, $0.99 to a mobile wallet and $4.99 for cash pickup or home delivery (October 11, 2026)	bank deposit, cash pickup, mobile wallet and home delivery	GCash and Maya	Shown before you pay; delivered on time, or Remitly refunds its fees	$140,000 per transfer from Canada; receiving limits can be lower
Western Union	Shown in its price estimator; not published as a table	Cash payout, bank account or mobile wallet	GCash and Smart Money	Not stated on the page read	Not stated on the page read
Xe	$0 send fee and $0 direct debit fee on $1,000 (October 11, 2026); some transfers to the Philippines carry a small fee, depending on the amount and the payment method	Bank deposit, mobile wallet or cash pickup	coins.ph, GCash, GrabPay and PayMaya	from minutes to up to 3 business days, depending on the payment method	US$535,000 or the currency equivalent online
WorldRemit	Depends on the receive method, not the amount sent	Cash pickup, bank transfer, mobile wallet or mobile load	Wallet brands not named on the page read	Same day on the bank transfer quote read	Not stated on the page read
CIBC Global Money Transfer	no transfer fee; CIBC's standard foreign exchange rates apply	Bank account, digital wallet or cash pickup	GCash and Maya	by the next business day for most transfers, and 2 to 3 business days for some	$2,000 per transfer to a GCash or Maya wallet; $100,000 per transaction for most countries to a bank account
RBC International Money Transfer	$0 transfer fee	Bank account	None named	typically within 2 business days, and up to 7 business days in some cases	$50,000 CAD equivalent per day
Scotiabank International Money Transfer	a $1.99 transfer fee that Scotiabank is currently waiving	Bank account	None named	Shown before you send	up to $15,000 per day and $25,000 per week

Sources: each provider's own Canadian page, read October 11, 2026. A fee of zero is not a total cost of zero: the exchange rate is a separate cost. Bank limits and speeds are the banks' general international transfer terms, not Philippines-specific promises. 'None named' means the page read did not name a Philippine wallet.

The table in sentences. Wise sends pesos to bank accounts and to GCash, Maya (formerly PayMaya), GrabPay, Starpay, Bayad Wallet, TayoCash, ShopeePay and JuanCash, and says transfers are instant up to 50,000 pesos once Wise has received and converted the money, and usually 1 to 2 working days for larger amounts. Remitly delivers by bank deposit, cash pickup, mobile wallet and home delivery and says transfers are delivered on time, or Remitly refunds its fees. Western Union offers cash payout, bank deposit or a mobile wallet, naming GCash and Smart Money. Xe delivers to bank accounts, to coins.ph, GCash, GrabPay and PayMaya wallets and for cash pickup at over 17,000 pickup locations, available only in the Xe app. WorldRemit says its customers have sent over 20 million transfers since 2011 to the Philippines, and its fee depends on the receive method, not the amount sent.

Among the banks, CIBC reaches over 130 countries, including the Philippines, with no transfer fee; CIBC's standard foreign exchange rates apply. RBC lists a $0 transfer fee and allows up to $50,000 CAD equivalent per day, with the Philippines among the countries named. Scotiabank has a $1.99 transfer fee that Scotiabank is currently waiving and lists the Philippines as one of the countries Scotiabank names for faster transfers.

GCash, Maya, bank deposit or cash pickup: delivery methods in the Philippines

The delivery method decides which providers are even in the running, so it is the first choice to make. A recipient in Manila with a bank account, a student who lives on GCash and a grandparent in a province with a pawnshop counter nearby each need a different payout.

Sending to a GCash or Maya wallet

A wallet transfer lands in the mobile wallet registered to the recipient’s phone number. Five of the eight providers name a Philippine wallet on their own pages:

• Wise: GCash, Maya (formerly PayMaya), GrabPay, Starpay, Bayad Wallet, TayoCash, ShopeePay and JuanCash.
• Remitly: GCash and Maya both appear in its list of delivery partners.
• Western Union: GCash and Smart Money.
• Xe: coins.ph, GCash, GrabPay and PayMaya. PayMaya is the former name of Maya.
• CIBC: its page lists the Philippines under digital wallet transfers, and the terms of a Global Money Transfer offer on that page mention GCash and Maya digital wallets.

WorldRemit lists mobile wallet as a receive method for the Philippines, described as an instant transfer to the receiver's registered mobile wallet account number, but the page read did not name wallet brands. RBC and Scotiabank describe transfers to bank accounts.

Wallets come with two catches. The first is a lower limit, covered below. The second is charges at the receiving end: Western Union says of mobile wallet transfers that additional third-party charges may apply, including SMS, account over-limit and cash-out fees, and Wise says mobile wallet providers might have their own receiving or transfer limits.

Sending to a Philippine bank account

Every provider on this page sends to bank accounts. Wise says it sends to individual and business bank accounts in the Philippines. Western Union names Banco de Oro, Philippine National Bank and Land Bank of the Philippines for direct deposit, and Remitly’s partner list includes BDO Unibank, Bank of the Philippine Islands, Philippine National Bank, Security Bank and RCBC. Bank deposit is also the delivery method with the lowest published Remitly fee: $0 to a bank deposit, $0.99 to a mobile wallet and $4.99 for cash pickup or home delivery.

Cash pickup and home delivery

Cash still matters where the recipient has no bank account or wallet. Western Union counts more than 21,000 agent locations in the Philippines (its footnote dates that count September 30, 2021) and lets a receiver collect in US dollars or Philippine pesos when collecting in person. Xe offers over 17,000 pickup locations, available only in the Xe app. Remitly’s partners include the pawnshop and courier chains Cebuana Lhuillier, M Lhuillier, LBC and USSC, and it is the only provider read that lists home delivery. WorldRemit adds mobile load, a top-up of prepaid phone credit, with no fee on mobile load.

On the Canadian side, Western Union is the provider here whose page lists cash as a way to pay: it accepts payment from a bank account, a credit or Visa debit card, or cash in store, and says its service is available at 4,000+ Canada Post locations.

Four quotes for $1,000 to the Philippines, read on October 11, 2026

Four providers showed a price for $1,000 Canadian sent to the Philippines on their public pages on October 11, 2026, a Sunday. Each line is that provider’s own figure for that amount on that day, and nothing more. Two of the four are promotional rates for new customers.

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In sentences: Wise quoted a total fee of $8.33 at 44.0180 pesos per Canadian dollar, delivering 43,651.33 PHP. Xe showed $0 send fee and $0 direct debit fee at 43.613 pesos per Canadian dollar, delivering 43,613.00 PHP. WorldRemit showed a $0 fee with same-day delivery at a first-transfer rate of 44.4673 pesos per Canadian dollar. Remitly showed a welcome rate of 44.58 pesos per Canadian dollar.

What the four lines show:

• A zero fee did not deliver more pesos. Between the two non-promotional quotes, Wise charged a fee and used the higher rate; Xe charged no fee and used a lower rate. Wise’s figure was about 38 pesos more than Xe’s, a gap of roughly $0.87 on the whole transfer. Wise’s fee came to about 0.83% of the amount.
• The two highest figures are promotions. Remitly’s welcome rate covers the first $1,000 sent by a new customer who pays from a bank account or by Interac e-Transfer. WorldRemit labels its rate a first-transfer rate. A second transfer, or a larger one, is priced differently, and neither page showed the regular rate without signing in.
• Western Union and the banks showed no public quote. Western Union’s price appears in its estimator after the transfer details are entered. Its page offers a $0 transfer fee on a first online transfer, with the footnote that Western Union also makes money from currency exchange.
• Rates move. The Wise, Remitly and WorldRemit rates each changed between two reads on October 11, 2026; the figures here are the later read. A quote read on a weekend can also differ from one read on a weekday.

How the way you pay changes the price

The payment method can move the cost as much as the choice of provider. Wise publishes its cost to send $1,000 to the Philippines by each method: $7.24 from money already in a Wise account, $8.33 by bank transfer and $14.02 by Interac e-Transfer. The e-Transfer figure is about 68% higher than the bank transfer figure for the same transfer. Wise’s card rows were higher again and changed between two reads on the same day, so they are not recorded here. Xe says card payments come with a small additional fee. Western Union says that with a credit card, a card-issuer cash advance fee and associated interest charges may apply. The Wise Canada review covers the account and card side of Wise in more detail.

How much does it cost to send money to the Philippines from Canada?

The cost has two parts: the fee the provider shows, and the gap between its exchange rate and the rate banks trade at. The FCAC lists both, plus charges that can appear at the receiving end.

How to read this table: From the FCAC page on sending money to someone in another country.

Cost	What the FCAC says	Where it shows up
Transfer fee	Some businesses and financial institutions charge a flat fee for sending money; others charge different fees depending on the amount sent. Fees may also differ by payment method.	Shown before you pay. Banks and other federally regulated financial institutions must tell you how much they will charge to send money abroad.
Exchange rate	Some businesses make a profit on money transfers by charging a higher than usual exchange rate.	Ask about the exchange rate and compare it with the rate of other currency exchange businesses.
Charges at the receiving end	The recipient may have to pay a fee or tax to collect the money, on top of the fees paid to send it.	Not included in the sending fee a Canadian bank discloses; ask the recipient's bank or pickup agent.
Credit card costs	Paying for a transfer with a credit card may be treated as a cash advance, with no interest-free period and usually a higher interest rate.	In the credit card agreement, not in the transfer quote.
Speed	Delivery may take from a few minutes to a few days; a faster option usually costs more.	Shown as a delivery estimate before you pay.

Source: Sending money to someone in another country — what a remittance is (Financial Consumer Agency of Canada); Sending money to someone in another country — fee disclosure (Financial Consumer Agency of Canada); Sending money to someone in another country — how fees differ (Financial Consumer Agency of Canada); Sending money to someone in another country — payment method (Financial Consumer Agency of Canada); Sending money to someone in another country — exchange rate (Financial Consumer Agency of Canada); Sending money to someone in another country — exchange-rate timing (Financial Consumer Agency of Canada); Sending money to someone in another country — credit card cash advances (Financial Consumer Agency of Canada); Sending money to someone in another country — delivery time (Financial Consumer Agency of Canada); Sending money to someone in another country — faster delivery (Financial Consumer Agency of Canada); Sending money to someone in another country — cost of receiving (Financial Consumer Agency of Canada); Sending money to someone in another country — receipt and transaction number (Financial Consumer Agency of Canada); Sending money to someone in another country — complaints (Financial Consumer Agency of Canada); Sending money to someone in another country — provincially regulated businesses (Financial Consumer Agency of Canada); Money services businesses (MSBs) — purpose of the obligations (FINTRAC); Money services businesses (MSBs) — remitting or transmitting funds (FINTRAC); Money services businesses (MSBs) — registration (FINTRAC). In effect from October 16, 2025; checked October 11, 2026.

On the Philippines route the published fees look like this. Remitly’s fee table is $0 to a bank deposit, $0.99 to a mobile wallet and $4.99 for cash pickup or home delivery, so the same transfer costs more as cash than as a bank deposit. WorldRemit’s fee depends on the receive method, not the amount sent. Xe says some transfers to the Philippines carry a small fee, depending on the amount and the payment method. CIBC and RBC publish no transfer fee, and Scotiabank has a $1.99 transfer fee that Scotiabank is currently waiving; all three apply their own exchange rates, and RBC adds that an intermediary bank or the recipient's bank may require additional fees or service charges.

How much money can you send to the Philippines from Canada?

Limits on this route are set per provider and per delivery method, and several are written in pesos, not dollars. Wallet and cash limits are far below bank account limits.

To put Wise’s wallet cap in dollars: at its quoted rate of October 11, 2026, 49,999 pesos per transfer works out to about $1,136. The dollar equivalent shifts as the rate moves. Remitly says some countries and delivery locations limit what a recipient can get per transfer or over time, so the sending limit is a ceiling, not a promise for every payout partner. A larger amount, such as tuition or a property payment, generally means a bank account transfer; the guide to bank drafts and certified cheques covers large payments inside Canada.

Is a large transfer reported?

FINTRAC, the federal anti-money-laundering agency, requires banks and money services businesses to report international transfers at or above a set threshold.

How to read this table: From FINTRAC's guidance on reporting electronic funds transfers, which is written for reporting businesses.

Situation	What FINTRAC says	Who files the report
Single transfer	A bank or money services business must send FINTRAC an Electronic Funds Transfer Report when it initiates an international electronic funds transfer of $10,000 or more in a single transaction at a customer's request.	The bank or money services business
Several transfers in 24 hours	Under the 24-hour rule, a report is also required when 2 or more international transfers total $10,000 or more within a static 24-hour window and the business knows they are connected in the ways FINTRAC lists.	The bank or money services business
Type of transfer	SWIFT and non-SWIFT electronic funds transfers are added together for the 24-hour rule.	The bank or money services business

Source: Reporting electronic funds transfers to FINTRAC — financial entities (FINTRAC); Reporting electronic funds transfers to FINTRAC — the 24-hour rule (FINTRAC); Reporting electronic funds transfers to FINTRAC — SWIFT and non-SWIFT transfers (FINTRAC). In effect from June 24, 2024; checked October 11, 2026.

The report is filed by the business. FINTRAC’s guidance does not describe the threshold as a cap on how much a person may send.

How long does it take to send money to the Philippines?

Published times run from seconds to a few business days, and the clock usually starts when the provider receives the sender’s money, not when the transfer is ordered.

• Wise: instant up to 50,000 pesos once Wise has received and converted the money, and usually 1 to 2 working days for larger amounts. At its quoted rate, 50,000 pesos is about $1,136.
• Xe: from minutes to up to 3 business days, depending on the payment method.
• WorldRemit: its bank transfer quote showed a $0 fee with same-day delivery.
• Remitly: the delivery time is shown before payment, and transfers are delivered on time, or Remitly refunds its fees.
• CIBC: by the next business day for most transfers, and 2 to 3 business days for some.
• RBC: typically within 2 business days, and up to 7 business days in some cases.

Paying from a bank account is generally the slower, lower-cost route, and paying by card the faster, higher-cost one. Manila is 12 or 13 hours ahead of Toronto depending on daylight time, so a transfer sent on a Canadian evening can arrive during the Philippine business day.

What details does the recipient need to give you?

For a bank deposit, Wise asks for the recipient's full name, bank name and a bank account number of 6 to 18 digits. WorldRemit says the receiver's full name, mobile number and email address are always required, and that the receiver does not need a WorldRemit account. For a wallet, the transfer goes to the mobile number the wallet is registered under, so one wrong digit sends the money to a stranger. For cash pickup, the name on the transfer has to match the receiver’s identification; the FCAC notes a recipient may need identification to collect.

Which service fits which situation?

No service is the right one for every transfer on this route. Matching what the providers publish to common situations:

• Recipient has a bank account, and the pesos delivered matter most: compare Wise, Xe and a bank quote for the exact amount on the day. Wise publishes its fee by payment method; Xe showed no fee and a lower rate.
• Recipient uses GCash or Maya: Wise, Remitly, Xe and CIBC name both wallets (Xe under the PayMaya name). Check the wallet limit against the amount.
• Recipient needs cash: Western Union, Remitly, Xe (in its app) and WorldRemit pay out in cash. Remitly charges more for cash than for a bank deposit.
• Sender wants to pay with cash in Canada: Western Union takes cash at agent locations.
• First transfer: Remitly, WorldRemit and Western Union all show new-customer offers. An offer covers one transfer.
• Sender wants to stay inside one bank: CIBC, RBC and Scotiabank send from online banking with no transfer fee today, at each bank’s exchange rate.

How to compare two quotes for the same transfer

Ask each provider for the pesos delivered on the same amount, the same delivery method and the same way of paying, at the same moment. The FCAC’s guidance turns into these questions.

How to read this table: Built from the FCAC page on sending money to someone in another country.

Question	Why it matters
What is the fee for this amount, this destination and this payment method?	Fees can be flat or vary with the amount, and may differ by payment method (FCAC).
What exchange rate applies, and how does it compare with other providers' rates for the same currency?	Some businesses profit by charging a higher than usual exchange rate (FCAC).
Does the amount received depend on the rate when the transfer is paid for or when it is collected?	Changes in the exchange rate can affect the amount the recipient receives (FCAC).
Will the recipient pay a fee or tax to collect the money?	Receiving charges are on top of the sending fees (FCAC).
How long will it take, and what does a faster option cost?	Delivery ranges from a few minutes to a few days, and faster service usually costs more (FCAC).
Can the recipient collect it nearby, and what identification is needed?	The recipient may need identification to collect the money (FCAC).
How is delivery confirmed, and is there a receipt and transaction number?	A receipt and transaction number let the remittance be traced (FCAC).
Who handles a complaint if the money is late or missing?	Banks must have a complaint-handling process; other money transfer businesses may be provincially regulated (FCAC).

Source: Sending money to someone in another country — what a remittance is (Financial Consumer Agency of Canada); Sending money to someone in another country — fee disclosure (Financial Consumer Agency of Canada); Sending money to someone in another country — how fees differ (Financial Consumer Agency of Canada); Sending money to someone in another country — payment method (Financial Consumer Agency of Canada); Sending money to someone in another country — exchange rate (Financial Consumer Agency of Canada); Sending money to someone in another country — exchange-rate timing (Financial Consumer Agency of Canada); Sending money to someone in another country — credit card cash advances (Financial Consumer Agency of Canada); Sending money to someone in another country — delivery time (Financial Consumer Agency of Canada); Sending money to someone in another country — faster delivery (Financial Consumer Agency of Canada); Sending money to someone in another country — cost of receiving (Financial Consumer Agency of Canada); Sending money to someone in another country — receipt and transaction number (Financial Consumer Agency of Canada); Sending money to someone in another country — complaints (Financial Consumer Agency of Canada); Sending money to someone in another country — provincially regulated businesses (Financial Consumer Agency of Canada); Money services businesses (MSBs) — purpose of the obligations (FINTRAC); Money services businesses (MSBs) — remitting or transmitting funds (FINTRAC); Money services businesses (MSBs) — registration (FINTRAC). In effect from October 16, 2025; checked October 11, 2026.

A worked example with hypothetical numbers: one service quotes a fee of $0 at 43.60 pesos per dollar, and another a fee of $6 at 44.00 pesos. On $500, the first delivers 21,800 pesos and the second 21,736 pesos, so the no-fee quote wins. On $3,000, the first delivers 130,800 pesos and the second 131,736 pesos, so the order flips. The amount changes which quote is better.

Are services that send money to the Philippines registered in Canada?

A business that transmits money from Canada has to be registered with FINTRAC as a money services business.

FINTRAC counts sending funds from one person to another as a money services business activity, so a remittance company needs that registration before it takes its first customer here. A provincial licence does not replace it, and FINTRAC charges nothing to register. The rules are set out line by line in the wider comparison of money transfer services in Canada.

Wise states it is registered with FINTRAC as a money services business (Wise Payments Canada Inc.), under number M15193392. WorldRemit’s Philippines page shows a FINTRAC registration number and a Quebec licence. Registration is about anti-money-laundering obligations; it is not deposit insurance, and money in transit with a transfer business is not a bank deposit. The comparison of Wealthsimple and Wise explains how the two hold customer money.

Common mistakes when sending money to the Philippines

• Comparing fees and ignoring the rate. The October 11 quotes show a no-fee transfer delivering fewer pesos than one with a fee.
• Treating a welcome rate as the regular rate. Remitly’s applies to the first $1,000 sent by a new customer who pays from a bank account or by Interac e-Transfer.
• Sending more than a wallet can take. Wallet caps are low, and Wise warns a wallet provider can reject a payment over its own limit.
• Using the old wallet name and assuming it is a different service. PayMaya and Maya are the same wallet.
• Paying by credit card without checking. The FCAC says the payment may be treated as a cash advance.
• Expecting Interac e-Transfer or Zelle to reach the Philippines. Interac e-Transfer stays inside Canada, and the guide to Zelle in Canada explains why Zelle does not help either.
• Mistyping a mobile number or account number. A completed transfer is hard to recall; the FCAC advises keeping the receipt and transaction number.

Sending money to the Philippines as a newcomer or caregiver

Many people who send money to the Philippines do so every payday, often in small amounts, which makes a flat fee matter more than it does on one large transfer. A transfer service does not require switching banks: it is paid from whatever Canadian account the sender already holds. For those still choosing an account, the guide to the best bank accounts for newcomers compares newcomer packages, some of which include international transfer offers, and the newcomer money guides cover the rest of setting up in Canada.

How this list was put together

YieldMaple read each provider’s own Canadian page for the Philippines route on October 11, 2026 and recorded only what is stated there, with the exact wording saved for each fact. No provider supplied information or paid to be listed, and there are no affiliate links on this page. Some things could not be confirmed and were left out: a Western Union price or limit (its estimator needs transfer details), WorldRemit’s sending limit, Wise’s card prices (they changed between reads), and TD and BMO’s terms for this route. The list is not exhaustive, and leaving a service out is not a judgment about it. Rates change by the minute; the quote shown before you pay is the only price that applies to your transfer.