Sending money home to the Philippines is easier than ever — whether your recipient needs cash in hand, funds in their bank account, pesos in their GCash wallet, or a pickup at a trusted location near them. This guide walks through every option, what each costs, and exactly what you need to get started.
Your delivery options at a glance
How your recipient receives the money is the first decision to make. Each method has different speed, convenience, and availability.
Bank account. Send directly to your recipient's Philippine bank account. Most major banks are supported. Funds are typically available within minutes, though timing may vary by bank. Good for larger amounts and recipients who prefer to manage funds digitally.
GCash. Send to your recipient's GCash mobile wallet for fast, flexible access to funds. GCash is widely used across the Philippines for everyday purchases, bills, and transfers. No branch visit required — funds land in the wallet and can be used immediately once the transfer is complete.
Cash pickup. Your recipient collects pesos in person at a MoneyGram partner location. Available at M Lhuillier, LBC, USSC, and thousands of other locations nationwide. Funds are typically available in minutes after the transfer is confirmed.
Debit card. Send directly to a Visa or Mastercard debit card issued in the Philippines. Instant transfers are available for eligible transfers.
Each method is available through the MoneyGram app or website. The right choice depends on where your recipient is, what they need the money for, and how quickly it needs to arrive.
What your recipient needs to know
Before you send, confirm a few details with your recipient.
For bank account transfers: full name as it appears on the account, bank name, account number, and the bank's routing or branch code. Spelling must match exactly — the name on the transfer must match the name on the account.
For GCash: the mobile number registered to their GCash account. That's it.
For cash pickup: the reference number you receive after sending, plus a valid government-issued ID. Recipients at M Lhuillier, LBC, or USSC should bring their ID and the reference number to any branch.
For debit card: the 16-digit card number. Confirm it's a supported Visa or Mastercard debit card.
How to send step by step
Sign up or log in to your MoneyGram profile
Enter the amount you want to send in USD
Select the Philippines as the destination
Choose the delivery method: bank account, mobile wallet (GCash), cash pickup, or debit card
Review the exchange rate and applicable fee before confirming
Enter your recipient's details
Complete the transfer and save your reference number
New customers sending online for the first time are eligible for a $0 transfer fee on their first online transfer.
Once sent, you can track your transfer in real time from the app or website.
Common questions
What information do I need to send money to the Philippines?
You need your recipient's full name, their preferred delivery method (bank account, GCash, cash pickup, or debit card), and the relevant account or contact details for that method. For bank transfers, you need the account number and bank details. For GCash, just the registered mobile number. For cash pickup, your recipient needs a valid ID and the reference number you receive after sending.
How much does it cost to send money to the Philippines with MoneyGram?
The total cost includes a transfer fee and a currency exchange rate. New customers sending online for the first time are eligible for a $0 fee on their first online transfer. A currency exchange rate margin applies to all transfers — this is separate from the fee and affects how many pesos your recipient receives. Always review both before confirming.
Is MoneyGram available for sending money to the Philippines?
Yes. MoneyGram supports transfers from the US to the Philippines across multiple delivery methods, including bank account, GCash, cash pickup at M Lhuillier, LBC, USSC, and debit card. MoneyGram has been operating globally for 85 years and is trusted by 50+ million customers worldwide.
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Send money to the Philippines
When they need it now, send it now. Sending money to the Philippines has never been easier. Choose bank account, GCash, debit card, or cash pickup at M Lhuillier, LBC, or USSC — and see the exact exchange rate and pesos your recipient will receive before you confirm. No surprises. New customers send with a $0 transfer fee on their first online transfer.
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.