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UK to Philippines Money Transfers Without High Fees

Avoiding Fees: Cost-Effective Remittance to the Philippines from the UK

14 May 2025


Fillipinos often send money to the Philippines from the UK regularly—but that doesn’t mean it has to come with expensive fees and frustrating delays. In 2023, personal remittances to the Philippines reached US$37.21 billion, marking a steady increase from US$36.14 billion in 2022 and US$34.88 billion in 2021. 

Whether you're supporting family back home or covering expenses, it's essential to know how to make every penny count. So, how can you send money smartly, safely, and affordably? 

How Can You Send Money to the Philippines from the UK Without Paying High Fees?

To optimize remittances for Filipinos, look for services that offer low transfer fees and competitive exchange rates. Comparing options and choosing a provider with transparent fees can help you get the best value for your money. Services like ACE Money Transfer provide an ideal solution with affordable options and user-friendly features.

Why Do Some Money Transfer Methods Charge Higher Fees?

You might think a small transfer won’t cost much, but fees can sneak up on you. Here’s where they often hide:

  • Transfer fees: Flat or percentage-based, sometimes both.
  • Exchange rate markups: The rate you’re offered may be less than the actual market rate.
  • Receiving fees: Some banks or agents in the Philippines charge a fee when funds arrive.

The trick? Find a service that’s upfront about fees and offers a fair exchange rate.

Which Money Transfer Services Offer the Lowest Fees to the Philippines?

Here’s a comparison of famous services for you: 

Feature

ACE Money Transfer

Wise

Remitly

Transfer Fees

Low or zero fees on many corridors

Competitive, but can be higher on some transfers

Varies, often higher fees for faster transfers

Exchange Rates

Competitive rates, more pesos for your pounds

Fair rates, but may not be as competitive as ACE

Good rates, but often not the best for large amounts

Transfer Speed

Fast delivery, often within minutes depending on the method

Typically takes 1-3 business days

Fast delivery, especially with Express options

Transparency

Highly transparent, no hidden fees

Clear fee structure

Clear fee structure, but can be higher for some options

Tracking

Real-time tracking with the ACE Transfer Number (ATN)

Real-time tracking available

Real-time tracking available

App Features

New Quick Send function for frequent transfers, simple and fast

User-friendly app, but no specialized features for frequent senders

Easy-to-use app, but lacks tailored features for frequent users

Trust & Ratings

4.8+ rating on Trustpilot, secure and regulated systems

Trusted, but rating varies based on individual experiences

Trusted, but ratings can vary

What Tips Can Help You Avoid Hidden Fees While Sending Money?

To avoid hidden fees, always review the service’s fee structure before transferring and check for any additional charges during the payment process. Using a transparent service like ACE Money Transfer ensures you know exactly what you’re paying for with no surprises.

How Can You Identify and Compare Exchange Rates?

Always compare the rate you’re being offered to the mid-market rate (what you see on Google or XE.com). If a provider doesn’t match or come close, they’re likely adding a hidden markup.

Should You Choose Providers That Offer Zero Transfer Fees?

Yes—but with caution. Some “zero fee” services simply sneak the cost into a poor exchange rate. With ACE, you get both: low fees and great rates. What you see is what you get.

How Often Should You Send Money to Reduce Costs?

If you send smaller amounts frequently, fees can add up. Instead, bundle your transfers where possible. ACE’s app makes it easy to track your past transactions and plan your next move with features like transfer history filters and reminder widgets.

What Final Tips Ensure a Cost-Effective and Safe Remittance Experience?

To ensure a secure and cost-effective money transfer from the UK to the Philippines, always choose a service that’s fully regulated, transparent about fees and delivery times, and highly rated by real users. ACE Money Transfer checks all these boxes and offers additional features like app tours, tutorials, and profile personalization to enhance your experience.

If you encounter delays or unexpected costs, use the ACE app’s search and filter tools along with the ACE Transfer Number (ATN) to track and resolve the issue quickly. And if you need help? ACE’s support team is always a few taps away.

FAQs

Can timing your transfer save you money?

Yes! Exchange rates fluctuate constantly. If you’re not in a rush, wait for a better rate—or use ACE’s app widgets to track rates daily. Plus, avoid sending money on weekends or holidays, when rates might be less favorable and processing can be slower.

Does ACE Money Transfer offer loyalty programs or promo codes?

Definitely. ACE often rolls out first-time user discounts, referral rewards and seasonal promotions. And don’t forget: the Stories section in the ACE app shares these offers and updates regularly. One quick tap, and you might just spot your next deal.

Can I Avoid Extra Fees When Using a Mobile App for Remittance?

Mobile apps can reduce costs, but choose one with clear fee breakdowns. ACE Money Transfer offers transparent fees and no hidden charges in their app.

How Does the Payment Method Affect the Cost of Sending Money?

Payment methods like cash pickup or mobile wallets may incur different fees. ACE Money Transfer allows you to choose the most cost-effective method.

How Can I Be Sure That a Money Transfer Service is Transparent About Fees?

Ensure transparency by using services with clear pricing and easy-to-understand fees. ACE Money Transfer provides upfront pricing and real-time exchange rate updates.


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