How to send money to the Philippines from the US

To send money to the Philippines from the US, choose how the recipient needs to receive it, then compare the pesos delivered for the same total dollar budget. A bank deposit, mobile-wallet credit and cash pickup are different services. The cheapest quote is useful only if it supports the sender, the recipient and the deadline.

This guide explains the comparison and the checks for a Jupiter bank-payout route. It does not display live USD/PHP prices or confirm anyone’s account eligibility.

Choose the receiving method first

Ask the recipient what they can actually use. For a bill paid from a bank account, compare bank deposits. If they need a mobile wallet or cash pickup, choose a provider that explicitly offers that delivery method for the US-to-Philippines route. Remitly’s bank and wallet pages both make availability dependent on the recipient location. Bank delivery · Mobile-wallet delivery

Do not compare a cash-pickup quote against a bank deposit as if the recipient experience were identical. Jupiter’s documented PHP local payout is a bank-transfer route; a merchant QR payment is a separate product. PHP payout table

Check US funding and eligibility

For each provider, enter your real sending location, USD amount and payment method. ACH, wire and card funding can have different costs or availability. Read the method shown for that provider’s actual route rather than assuming that a familiar payment logo means it is supported.

If you plan to fund Jupiter’s virtual account, its current documentation says to send from an account in your own name or a supported payroll platform. Other people’s deposits may be returned. Bank deposits are temporarily unavailable in California, New York, Connecticut and Puerto Rico. Card residence eligibility and bank-funding eligibility are separate checks. Current funding restrictions

Before sending crypto into Spend for a later PHP payout, check the bank exit first. Only USDC deposits are documented as fiat-withdrawable, and the current withdrawal documentation excludes DCS-issued cards. A supported deposit or a visible balance does not establish an available bank payout. Withdrawal rules

Compare the complete USD-to-PHP cost

Collect quotes close together, using the same dollar budget and delivery method. Record the final confirmation screen, not just a headline exchange rate.

Jupiter’s published PHP payout fee is a fixed $2.50 plus 0.45%. Incoming funding can have a separate charge. Treat that as one component of a full route, then verify the current quote; it is not a complete US-to-Philippines price. Payin and payout fees

For a hypothetical $500 total budget, a quote delivering PHP 27,600 returns PHP 350 less than one delivering PHP 27,950. Those are invented teaching figures, not current rates or provider offers. If the second quote instead debits $505, compare the effective rate: PHP received divided by total USD debited.

Use Quote Compare with figures from actual provider screens. When the final amount already includes a fee, do not subtract that fee again.

Check details, limits and delivery

For a bank payout, confirm the recipient’s legal name, bank name, account number and any routing fields requested by the provider. Verify changed instructions through a trusted conversation before paying. Keep those private details out of this site’s comparison tools.

Jupiter’s FAQ gives a $1 USD-equivalent transfer minimum and says most sent bank transfers arrive within 1–3 business days, depending on destination and receiving bank. The maximum is currency-specific, set by the payout partner and displayed in the app. A general estimate does not guarantee one beneficiary’s delivery time. Bank-transfer FAQ

Keep the transfer reference and ask the recipient to confirm the actual credit. If the deadline passes, contact official support with that reference before trying a second transfer.

Read next

Use the international transfer cost guide for the comparison method, the Remitly comparison for delivery choices, and the USDC bank-exit guide when stablecoins are part of the route.

Sending money from the US to the Philippines FAQ

What is the cheapest way to send money from the US to the Philippines?

Compare the final PHP received for the same total USD budget, funding method and delivery type. The result changes with the amount, rate, provider and quote time; this guide does not name a universal cheapest service.

Can Jupiter pay directly into GCash or offer cash pickup?

This guide verifies Jupiter’s documented PHP bank-transfer payout, not a GCash or cash-pickup service. Use those delivery methods only when the chosen provider explicitly lists them for your corridor.

Can someone else pay into my Jupiter virtual account to fund the transfer?

Jupiter says incoming bank funding should come from your own-name account or a supported payroll platform. Deposits from anyone else may be returned. Confirm the permitted sender before sharing bank details.

Is a merchant QR payment the same as sending money to family?

No. Merchant QR checkout and a bank or wallet remittance have different recipient requirements and availability. Use the product that matches the recipient’s intended balance.

Does Jupiter have a universal maximum bank-transfer amount?

The current documentation describes a partner-set limit for each payout currency, shown in the app. Read the actual PHP route limit and any additional verification request before funding.