Here you’ll find answers to the most common questions about Philippine peso (PHP) transfers.
Sending from PHP
Personal and business customers can send money from PHP via bank transfer.
How can I pay for my transfer from PHP?
You can pay for your transfer from PHP by bank transfer or e-wallets (via Instapay scheme), debit/credit, or you can send money from your Wise balance.
Available to customers who live both inside or outside of the Philippines
You can pay with PHP for balance top-ups, and Send Money transfers
No 3rd Party Pay-ins allowed — the payment must come from a bank account/card in your name
How much can I send?
You can send up to 50,000 PHP via InstaPay. For larger amounts, please use PESONet.
Where can I send from?
You can only send PHP to Wise from banks within the Philippines that are on InstaPay or PESONet. To find our account, look for “Wise Pilipinas Inc” in your bank’s list of recipient institutions.
You can’t send PHP by Swift.
Sending to PHP
Who can I send PHP to?
You can send PHP to any individual and business bank accounts in the Philippines. You can also send to GCash, Maya (formerly known as PayMaya), GrabPay, Starpay, Bayad Wallet, TayoCash, ShopeePay, and JuanCash.
What information do I need about my recipient?
For transfers to bank accounts, you’ll need their full name, bank name and 6-18 digit long bank account number.
How much can I send?
If you're sending to a bank account the limit per transfer is 9 million PHP.
If you're sending to a mobile wallet, such as Gcash or Maya, the limit per transfer is 49,999 PHP.
Mobile wallet providers might have their own receiving or balance limits, so if your payment gets rejected ask the recipient to check with their provider.
How long does it usually take for the money to arrive?
Once we receive and convert your money, transfers to PHP are instant up to 50,000 PHP. For larger amount transfers, money usually takes 1–2 working days to arrive in your recipient’s bank account. Conversion can take up to 2 working days.
We’ll always give you an estimate for how long your transfer will take when you set it up.