Your guide to sending money from Canada to the Philippines with Taptap Send

Taptap Send lets people in Canada send money to the Philippines quickly and conveniently using their phone. Funds can be delivered to bank accounts or mobile wallets within minutes.

While the app promotes low-cost or fee-free transfers, exchange-rate markups can still affect how much your family and friends receive. This guide will also introduce you to Wise. Wise, an alternative to banking, helps you save on fees, and can be used either independently or with a Canadian bank account - making it a great solution for your money transfer needs.

Discover Wise

What is Taptap Send and how does it work in Canada?

Taptap Send gives people in Canada an easy way to support friends and family in the Philippines. Everything happens in the app — no branches, forms, or waiting in line. Create an account with your Canadian phone number and link a Visa or Mastercard debit card to start sending in minutes.

Funds are converted from Canadian dollars to Philippine pesos, then delivered via your recipient's bank, mobile wallet, or a cash-pickup location (where available). Transfers can't be sent using credit cards, Interac, prepaid, or business cards, and users temporarily visiting Québec won't be able to send unless their account was registered there. Once you're verified with an accepted ID — such as a passport, driver's licence, or other government document — your sending limits may increase.

Steps to send money with Taptap Send (CAD to PHP)

Step 1: Download the app
Install Taptap Send from the App Store or Google Play, then create an account using your Canadian mobile number.

Step 2: Add your recipient
Enter your recipient's name, mobile number, or bank details in the Philippines.

Step 3: Enter the amount
Type how much CAD you want to send. The app displays the equivalent amount in PHP before you confirm.

Step 4: Pay using your debit card
Link your Canadian Visa or Mastercard debit card to complete the payment instantly.

Step 5: Confirm and track
After you send, your recipient usually receives funds within minutes. You can monitor the status of your transfer in the app.

Understanding Taptap Send CAD to PHP transfers

When you send money from Canada to the Philippines with Taptap Send, your Canadian dollars (CAD) are converted to Philippine pesos (PHP) at the rate shown in the app before you confirm. The platform pools customer transactions to negotiate rates with local partners, adding a small margin between the rate it receives and the one you see.¹

Although Taptap Send promotes no or low transfer fees, a small cost is built into the exchange rate, helping transfers stay fast and generally more affordable than most bank alternatives.

You can choose bank deposit or mobile wallet through local partners across the Philippines. Cash pickup isn't currently available, but Taptap Send notes this option is coming soon.

Typical delivery options for CAD → PHP transfers with Taptap Send

Fees and exchange rates for Taptap Send CAD to PHP

Taptap Send promotes affordable transfers to the Philippines, but it's important to understand where the real cost lies. The app may not charge a visible fee for most transactions, but it still earns money through the exchange rate. A small margin is built into the rate¹ shown in the app, meaning your recipient receives slightly fewer pesos than if you were given the mid-market rate — but how does this compare to major banks?

Many Canadian banks advertise "no-fee" transfers through services like Global Money Transfer or other branded portals. While these can seem free, the exchange rates usually include a significant markup, which can make them more expensive. Traditional wire transfers can also cost up to 80 CAD³ per transaction, depending on the bank and method used.

Taptap Send is typically quicker and simpler than most banks, but its pricing still relies on a small margin built into the exchange rate. Since rates update daily, it's worth comparing the live mid-market rate before you confirm to see the value your recipient will receive.

Example comparison of transfer fees and exchange rates

Exchange rates as seen on 23 October 2025 at 15:00

Transfer limits with Taptap Send

Taptap Send sets limits to comply with financial regulations and prevent fraud. Limits depend on the country corridor, your verification status, and the delivery method. Once your identity is verified with a valid Canadian ID, you may qualify for higher limits.

From Canada, the standard sending limit is 3,500 CAD per transfer, with a daily limit of 9,500 CAD and a 14-day limit of 30,000 CAD.⁴ The minimum transfer amount to the Philippines is 400 PHP.⁵ No recipient limits are stated.

Taptap Send transfer limits from Canada

Is Taptap Send safe to use in Canada?

Taptap Send is a regulated money transfer service operating in multiple countries, including Canada. It's authorized to conduct money transmission and follows strict compliance and anti-fraud controls to keep customer funds secure.

Personal and payment information is protected using bank-level encryption and secure data-handling systems. Taptap Send complies with Canadian privacy and data-protection laws.

Transfers are completed through licensed and verified local partners in the Philippines, such as GCash, Maya, and major banks, helping ensure funds arrive safely and directly to your recipient's account.

Comparing Wise with Taptap Send for CAD → PHP transfers

Both Wise and Taptap Send help Canadians send money to the Philippines quickly, but they take different approaches to pricing. Wise shows you exactly what you pay and uses the mid-market exchange rate every time.

Wise vs Taptap Send comparison

Taptap Send is ideal for smaller, quick remittances through mobile wallets, while Wise provides better value for larger or regular transfers, thanks to its use of the mid-market exchange rate, low transparent fees, and instant deliveries on smaller payments.

Benefits of Wise for frequent CAD to PHP transfers

If you send money to the Philippines often, Wise helps you save and manage transfers easily. Designed for international transfers and global money management, it offers transparent pricing, mid-market exchange rates, and fast delivery.

Wise isn’t a bank, but it’s a great alternative to cover your money management needs - including direct deposits, local currency transfers, and more, for minimal transfer fees.

Wise never charges a markup on your transfer - meaning you’ll only ever pay the mid-market exchange rate when sending your money abroad. The app ensures transparency by informing you of what you pay before you transfer money. There are no costs associated with opening an account. The only time you pay is when you convert money or send money abroad.

Whether you’re a business or a personal account user, Wise offers multiple transfer options to cover everything you need. Wise can even help you get started with your account, letting you send, spend, and receive your money across the world.

How to send money from Canada to the Philippines with Wise

Sending money from Canada to the Philippines with Wise is quick and straightforward. You can sign up and complete a transfer online or through the Wise app. Before your first transfer, you'll need to create an account and verify your identity to keep your payments secure and compliant with Canadian regulations.

Quick steps for Wise transfers

Step 1. Sign up or log in: Go to the Wise website or app and create an account using your email address. Choose a secure password and follow the prompts to verify your identity.

Step 2. Select Send: From your home screen, tap or click Send to start a new transfer.

Step 3. Add a recipient: Choose one of your existing recipients or select Add a recipient to add a new one. You can enter their bank details, email, phone number, or Wisetag if they already use Wise.

Step 4. Enter the amount: Type how much you want to send in CAD or how much you want your recipient to receive in PHP. The app will show the fees, exchange rate, and total amount before you confirm. You can also schedule transfers for later using the calendar icon.

Step 5. Choose how to pay: Select a payment method. Paying directly from your bank is often cheapest; debit card can be faster.

Step 6. Review and confirm: Double-check the details and confirm your transfer. Once Wise receives your money, you'll get a notification when the funds are on their way.

Step 7. Track your transfer: You and your recipient can track in real time. CAD → PHP transfers usually arrive the same day or within a few hours.

Conclusion

Taptap Send makes it easy to send money from Canada to the Philippines, with fast delivery and flexible payout options via bank deposits and mobile wallets. It's convenient for quick remittances, but costs are often built into the exchange-rate markup.

Wise offers full transparency. Every transfer uses the mid-market exchange rate, and fees are shown upfront, so you know exactly what you're paying. With a multi-currency account, no monthly fees, and transfers that often arrive the same day, Wise can be a better choice for anyone who regularly sends money to the Philippines — and beyond.

Sources verified on 28 January 2026