Who can I send Philippine peso (PHP) to?

You can send Philippine peso (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 to Philippines?

If you're sending to a bank account the limit per transfer is: 490,000 Philippine peso (PHP) if you live in the Philippines 9 million Philippine peso (PHP) if you live outside of the Philippines If you’re sending to a mobile wallet, such as GCash or Maya, the limit per transfer is 49,999 Philippine peso (PHP). Mobile wallet providers might have their own receiving or transfer limits, so if your payment gets rejected ask the recipient to check with their provider.

How long does a money transfer to Philippines take?

Once we receive and convert your money, transfers to Philippine peso (PHP) are instant up to 50,000 Philippine peso (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. Learn more about how long transfers take

Send money to Philippines

Save on your online money transfer to Philippines from Japan. Transfer Japanese yen to Philippine peso quickly, safely and join over 14.8 million people using Wise.

Send money from Philippines to Japan instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

Rate guaranteed (35h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 JPY
Our fee
2,127 JPY

Total included fees (1.06%)
2,127 JPY

You could save up to 14,479 JPY

Should arrive by Monday

Send money to Philippines

Save on your online money transfer to Philippines from Japan. Transfer Japanese yen to Philippine peso quickly, safely and join over 14.8 million people using Wise.

Send money from Philippines to Japan instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

Rate guaranteed (35h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 JPY
Our fee
2,127 JPY

Total included fees (1.06%)
2,127 JPY

You could save up to 14,479 JPY

Should arrive by Monday

Compare fees for when you send money to Philippines

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

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Sending 200,000 JPY with	Recipient gets(Total after fees)
	74,331.39 PHP
Transfer fee 2,127 JPY Exchange rate(1 PHP JPY) 0.3757 Exchange rate markup 0 JPY Cost of transfer 2,127 JPY

	71,572.58 PHP- 2,758.81 PHP
Transfer fee 499 JPY Exchange rate(1 PHP JPY) 0.3588 Exchange rate markup 8,994 JPY Cost of transfer 9,493 JPY

	69,238.47 PHP- 5,092.92 PHP
Transfer fee 1,750 JPY Exchange rate(1 PHP JPY) 0.3492 Exchange rate markup 14,058 JPY Cost of transfer 15,808 JPY

	68,892.27 PHP- 5,439.12 PHP
Transfer fee 6,000 JPY Exchange rate(1 PHP JPY) 0.3551 Exchange rate markup 10,934 JPY Cost of transfer 16,934 JPY

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Wise	PayPal	Rakuten	MUFG Bank
Recipient gets (Total after fees)	74,331.39 PHP	71,572.58 PHP	69,238.47 PHP	68,892.27 PHP
Exchange rate (1 PHPJPY)	2.66204	2.78739	2.86329	2.81599
Exchange rate markup	0 JPY	8,994 JPY	14,058 JPY	10,934 JPY
Transfer fee	2,127 JPY	499 JPY	1,750 JPY	6,000 JPY
Total transfer cost	2,127 JPY	9,493 JPY	15,808 JPY	16,934 JPY

Show more providers

This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to Philippines from Japan

Enter amount to send in JPY.

Pay in JPY with your debit card or credit card, or send the money from your online banking.

Choose recipient in Philippines.

Select who you want to send money to and which pay-out method to use.

Send JPY, receive PHP.

The recipient gets money in PHP directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to Philippines

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to Philippines with WISE

The best way to send Japanese yen to Philippine peso is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Bank Transfer
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Debit Card
Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.

Cheapest way to send money to Philippines from Japan

The cheapest way to send 200,000 JPY to Philippines is by using money that's in your Wise account and costs 2,036 JPY. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

JPY

PHP

Sending 200,000 JPY	Transfer cost
Wise account	2,036 JPY

Bank transfer	2,127 JPY

Debit card	9,047 JPY

Fastest way to send money to Philippines from Japan

Sending money with Wise is super fast: 70% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

JPY

PHP

Sending 200,000 JPY	Should arrive
Wise account	by Monday

Bank transfer	by Monday

Debit card	by Monday