Sending money directly to a bank account in the Philippines is one of the most convenient options for recipients who prefer to receive funds digitally. You don’t need to visit a pickup location, and the money arrives where your family can access it easily. This guide explains how the process works, what information you need, and what to expect.
What you need before you send
To send money to a Philippine bank account, you’ll need a few pieces of information from your recipient. Having these ready before you start makes the process faster.
From your recipient:
Full name as it appears on their bank account
Bank name (for example, BDO, BPI, Metrobank, UnionBank, Land Bank, or PNB)
Account number
From you:
A MoneyGram account — free to create
A valid government-issued ID for identity verification
Your payment method — bank account or debit card
It’s worth double-checking the account number with your recipient before you send. Transfers sent to an incorrect account number may be difficult to recover. If your recipient isn’t sure of their details, they can find them in their bank’s app, on a bank statement, or by calling their branch directly.
How to send money to a Philippine bank account step by step
Once you have your recipient’s bank details, the process is straightforward.
Log into your MoneyGram profile or create one at no cost
Select the Philippines as the destination
Choose bank account as the delivery method
Enter the amount you want to send in USD — you’ll see the exchange rate and estimated peso amount before you confirm
Enter your recipient’s full name, bank name, and account number
Choose how you’ll pay — by bank account or debit card
Review the transfer details, including the exchange rate and any applicable fee
Confirm and submit
Transfers to Philippine bank accounts are often instant or arrive within minutes when sent online, though timing can vary depending on the recipient’s bank. Always check the estimated delivery time shown before you confirm.
A currency exchange rate applies. MoneyGram makes money from currency exchange.
To get started, visit the Send Money to the Philippines page.
Which Philippine banks can receive transfers
MoneyGram supports transfers to major Philippine banks. Commonly supported banks include BDO Unibank, Bank of the Philippine Islands (BPI), Metrobank, UnionBank, Land Bank of the Philippines, Philippine National Bank (PNB), and others.
When you enter your transfer details, you’ll be able to select your recipient’s bank from the available list. If you’re not sure whether a specific bank is supported, the send page will confirm at the time of your transfer.
If your recipient doesn’t have a bank account or prefers another option, cash pickup is available at thousands of agent locations across the Philippines including M. Lhuillier and LBC. For a side-by-side comparison of delivery options, see the GCash vs. bank deposit guide.
For a full breakdown of what the transfer costs, including the exchange rate and any applicable fee, see How much does it cost to send money to the Philippines?
Common questions
How long does it take for money to arrive in a Philippine bank account?
Transfers to Philippine bank accounts are often instant or arrive within minutes when sent online. Timing can vary depending on the recipient’s bank and when the transfer is initiated — some banks post incoming transfers faster than others. Debit card funding is typically faster than bank account (ACH) funding. Always confirm the estimated delivery time shown before you submit.
What bank details do I need to send money to the Philippines?
You’ll need your recipient’s full name as it appears on their account, the bank name, and their account number. Some transfers may also ask for a branch name or bank code. Your recipient can find these details in their banking app, on a statement, or by contacting their bank directly. Entering the correct account number is important — verify it with your recipient before you send.
Can I send money to any Philippine bank with MoneyGram?
MoneyGram supports transfers to a wide range of Philippine banks, including major institutions like BDO, BPI, Metrobank, UnionBank, and PNB. The full list of supported banks is shown when you set up your transfer. If your recipient’s bank isn’t listed, cash pickup and GCash are available as alternatives.
When they need it now, send it now
Choose your delivery method and see the estimated arrival time before you confirm.
This publication is for general informational purposes only and does not constitute legal, tax, financial, or other professional advice from MoneyGram or its affiliates. Services may vary by location and are subject to applicable laws and regulations.
Delivery times may vary and are not guaranteed. Actual transfer speed depends on the delivery method selected, the recipient's bank or service provider, send amount, transaction verification requirements, and other factors. Always confirm the estimated delivery time shown before you submit your transfer.