The holiday season is upon us, and it is never too early to send money to your loved ones back home. This way, they will be able to prepare for the holidays with ample time to spare. If you are sending money to the Philippines, here are your 3 cheapest options:

1. World First

When sending money to the Philippines, you want to make sure that you make a worthwhile transaction. If you are sending huge amounts of money, your best bet is to try World First. This remittance service allows you to own an account with them at NO charge. Personal transfers are also FREE of charge. Just make sure that you are sending a minimum of USD 1,000. If you are looking to send exotic currencies, your transfer should be at least USD $10,000.

Want to send money to your loved ones in the Philippines this coming Christmas? Then here's are your cheapest options to send money:

What’s enticing about this company is they take smaller margins as compared to most banks. This way, you will get a highly competitive exchange rate. Because of this, you can rest assured that your loved ones from the Philippines will get the most out of your transfers. To top it all off, any concerns you might have can be addressed by their ever-vigilant customer service staff.

2. Instarem

Second on our list is Instarem. This global remittance company allows you to start your transfer with the information you need. As you are sending hard-earned cash, you want to make sure that you know every little detail before going through with the transaction. This is why this company allows you to enter the transfer amount and it will show you what your recipients will receive.


You can also view a breakdown of the transfer which includes a fee of USD $5. Moreover, you can track your money to see where it is and if it is going to the right place. If this is what you are looking for, sending money through Instarem might just be your best option.

3. Transferwise

Last but not least, Transferwise offers a reliable and transparent remittance service. Just like Instarem, this company offers a breakdown of the charges. However, Transferwise makes it more detailed by showing the different fees you have to pay if you choose one of the following: wire transfer (USD 0), bank debit (USD 1.5), debit card (USD 7.44) or credit card (USD 32.88).

A unique feature of this remittance service is its compare function. When you click on this feature, you will see how Transferwise’s rates compare to other companies. This company also shows real-time exchange rates, making your transaction amount a reliable one. Aside from this, it also has a tracking feature via a mobile app, allowing you to monitor your transaction. Ready to send money to the Philippines? You can get started with Transferwise here.


There is nothing better than knowing that your money is in safe hands. By using these affordable yet highly reliable and safe services, you can send cash to your loved ones back home without worries.

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A Filipino-Chinese, Maricar Sze is highly educated and well travelled. With a Bachelor of Science in Computer Studies majoring in Information Technology. She is the owner of Linkocity Marketing providing SEO Consultancy and Web Services to small to medium businesses in Australia. In earlier years, Maricar worked for American companies Verizon and MCI in Technical Support activities. Over some 8+ years in the SEO industry, Maricar is also a Google Certified Ads Specialist. With skills and expertise, she is responsible from shaping and implementing website optimisation, content marketing, PPC and quality measures for digital campaigns. Other interests include travelling, watching Netflix, and frequently volunteers at children hospitals or shelters.