Money transfer guide · Updated June 2026
Cheapest way to send money from United States to the Philippines.
Sending money from the United States to the Philippines? A traditional SWIFT bank wire costs about $185 on a $5,000 transfer and takes 2–4 days. Stablecoin routes (on-ramp → bridge → off-ramp) settle in minutes and cost as little as $32.42 — a saving of $153. Here's exactly how today's routes compare, ranked by total cost.
Cheapest route
$32
USDC on Base
SWIFT baseline
$185
Avg US bank wire
You save
$153
≈ 78% less
Licensed providersLive prices, refreshed hourlyNo account required
Today's top routes, US PH
Sorted by total costSWIFT bank wire
Avg US retail bank
$185.00
3.70% fee
₱281,177
2–4 days
Is it legal and safe to use stablecoins for remittances?
StableCompare is an informational comparison tool — we never touch your money. Each route uses licensed on-ramp and off-ramp providers that handle compliance in their own jurisdictions (FinCEN in the US, BSP in the Philippines). You're responsible for following the rules where you live. Always confirm the final quote on the provider's site before sending, since stablecoin prices and gas fees move with the market.
Licensed on-ramps only~5 min average settlementNo custody — your money, your wallet