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Transfer comparison

Send $5,000 from USA to Philippines

Compare today's fees, exchange rates, delivery times and recipient amounts across 7 providers.

Rates updated 8 hours ago

How much are you sending?

$100$200$500$1,000$2,000$5,000$10,000
You send
$5,000
Recipient receives
up to ₱313,415
with TorFX
Fastest delivery
Seconds to 2 business days
Wise
Send with TorFX Compare all 7 providers

Compare your options for sending $5,000

Ranked by what your recipient actually gets.

  • Best overallTorFX
  • Lowest upfront feeTorFX
  • FastestWise
Providers for sending $5,000 to Philippines, ranked by amount received
Provider Recipient gets Fee Rate Delivery Best for
TorFX Estimate ₱313,414.99 No fee 62.6830 Minutes to 2 days Most money received Best for Bank deposit Send with TorFX (opens in a new tab)
XE Estimate ₱312,976.34 ₱439 less $1.99 62.6202 1-3 days Best for Mobile money Best for Cash pickup Send with XE (opens in a new tab)
OFX Estimate ₱312,472.86 ₱942 less No fee 62.4946 1–3 business Bank deposit Send with OFX (opens in a new tab)
Wise Estimate ₱312,378.65 ₱1,036 less $26.50 62.8086 Seconds to 2 business days Fastest delivery Send with Wise (opens in a new tab)
WorldRemit Estimate ₱311,406.75 ₱2,008 less $1.99 62.3061 Minutes to 3 days Best for Digital wallet Send with WorldRemit (opens in a new tab)
Western Union Sponsored Estimate ₱310,902.65 ₱2,512 less No fee 62.1805 Minutes to 1 business day Bank deposit · Cash pickup · Mobile money Send with Western Union (opens in a new tab)
Remitly Estimate ₱310,654.55 ₱2,760 less $3.99 62.1805 Minutes (Express) / 1–3 days (Economy) Bank deposit · Cash pickup · Mobile money Send with Remitly (opens in a new tab)

Amounts are estimates based on the mid-market reference rate and each provider's published or typical pricing. The final amount is confirmed by the provider at checkout.

Which is the best way to send $5,000 to Philippines?

Most money received Best for Bank deposit Lowest upfront fee

TorFX

The most money arrives: ₱313,414.99, after a No fee fee and the exchange-rate margin.

Pays the most to Bank deposit: ₱313,414.99.

Lowest upfront fee (No fee) — the exchange rate still decides what arrives.

Send with TorFX Read the review

Best for Mobile money Best for Cash pickup

XE

Pays the most to Mobile money: ₱312,976.34.

Pays the most to Cash pickup: ₱312,976.34.

Send with XE Read the review

"Best overall" means the most money reaches your recipient after the transfer fee and the exchange-rate margin. Commission and sponsorship never change the order. Some figures are estimates — confirm the final amount on the provider's screen.

What $5,000 gets you in Philippines

After fees and exchange-rate costs, your recipient gets about ₱313,415

Choosing TorFX over Remitly puts ₱2,760 more in your recipient's hands on this transfer.

  • The amount varies by provider — the table above shows each one.
  • Exchange rates move during the day, so the final figure can change.
  • Fees can depend on how you pay and how your recipient is paid.
Most you can get
₱313,415
TorFX
Least you could get
₱310,655
Remitly
At the mid-market rate
₱314,043
No fees, no margin — the benchmark

How much does it cost to send $5,000 to Philippines?

Where your money goes with TorFX

Amount sent
$5,000.00
Transfer fee
− $0.00
Exchange-rate margin
− $10.00
Total cost
$10.00 (0.20%)
Recipient receives
₱313,414.99

Rate offered: 1 USD = 62.6830 PHP. Mid-market: 62.8086.

Every transfer has two costs: the fee you see up front, and the exchange-rate margin — the gap between the rate you get and the mid-market rate. Add them together and you have the true price.

OFX charges no transfer fee — yet its exchange rate leaves your recipient ₱942 less than TorFX. A $0 fee is not the same as the cheapest transfer.

Total cost by provider

  • TorFX $10.00
  • XE $16.98
  • OFX $25.00
  • Wise $26.50
  • WorldRemit $41.97
  • Western Union $50.00
  • Remitly $53.95

Ways your recipient can get the money in Philippines

Only methods offered by the providers above.

How to send $5,000 from USA to Philippines

  1. Choose a provider

    Compare the options above and pick the one that fits your priority. For the most money arriving, that's TorFX today (₱313,415).

  2. Enter your transfer details

    Enter $5,000 as the amount you send and add your recipient's details exactly as they appear on their ID or account.

  3. Choose delivery

    Select Mobile money, Bank deposit, Cash pickup, Digital wallet — whichever your recipient can use.

  4. Pay and track

    Check the final amount on the provider's confirmation screen, pay, then track the transfer until it arrives.

Provider by provider for $5,000

TorFX

Most money received
Recipient gets
₱313,414.99
Fee
No fee
Exchange rate
62.6830
Delivery
Minutes to 2 days
Pays out to
Bank deposit

Estimated · general pricing

Send with TorFX Full TorFX review

XE

Best for Mobile money
Recipient gets
₱312,976.34
Fee
$1.99
Exchange rate
62.6202
Delivery
1-3 days
Pays out to
Bank deposit, Cash pickup, Mobile money

Estimated · general pricing

Send with XE Full XE review

Wise

Fastest delivery
Recipient gets
₱312,378.65
Fee
$26.50
Exchange rate
62.8086
Delivery
Seconds to 2 business days
Pays out to
Bank deposit

Estimated · general pricing

Send with Wise Full Wise review

WorldRemit

Best for Digital wallet
Recipient gets
₱311,406.75
Fee
$1.99
Exchange rate
62.3061
Delivery
Minutes to 3 days
Pays out to
Bank deposit, Cash pickup, Mobile money, Digital wallet

Estimated · general pricing

Send with WorldRemit Full WorldRemit review

Remitly

Recipient gets
₱310,654.55
Fee
$3.99
Exchange rate
62.1805
Delivery
Minutes (Express) / 1–3 days (Economy)
Pays out to
Bank deposit, Cash pickup, Mobile money

Estimated · general pricing

Send with Remitly Full Remitly review

$5,000 transfer FAQs

How much does it cost to send $5,000 to Philippines?

Today the total cost — transfer fee plus exchange-rate margin — ranges from $10.00 with TorFX to $53.95 with Remitly across the 7 providers we compare.

What is the cheapest way to send $5,000 to Philippines?

TorFX is the cheapest overall today: your recipient gets ₱313,414.99 after a No fee fee. That counts the exchange rate as well as the fee, so it can differ from the provider with the lowest advertised fee.

How much will the recipient receive for $5,000?

Between ₱310,655 and ₱313,415 depending on the provider, at today's rates. At the mid-market rate with no costs at all, $5,000 would be ₱314,043.

How long does it take to send $5,000 to Philippines?

Wise is the quickest, delivering seconds to 2 business days. Bank deposits can take longer than mobile money or cash pickup, and a first transfer may be held for identity checks.

Can I send $5,000 to a mobile wallet in Philippines?

Yes. 4 providers pay out to Mobile money, including XE, WorldRemit, Western Union. XE pays the most: ₱312,976.34. Mobile money accounts have transaction and daily limits set by the operator, so check them before sending a large amount.

Is it cheaper to send $5,000 through TorFX or XE?

TorFX gives your recipient ₱439 more than XE today (₱313,414.99 against ₱312,976.34). Rates change, so compare again on the day you send.

Can I send $5,000 to a bank account in Philippines?

Yes. 7 providers we compare deposit into bank accounts in Philippines. TorFX pays the most: ₱313,414.99. Bank deposits are often slower than mobile money.

Do money-transfer providers have limits on $5,000 transfers?

All 7 providers we compare accept $5,000 on this route. Larger transfers can also trigger extra identity or source-of-funds checks.

Send $5,000 from USA to other countries

We may earn a commission when you use the links on this page. This never affects the ranking, which is based on the amount your recipient receives.

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