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Top-Rated Apps to Transfer Funds from UK to the Philippines

Best Mobile Apps for Instant Remittances from the UK to the Philippines

16 May 2025


Living far from your family in the Philippines can be tough—especially when you need to send money fast during emergencies. With mobile apps becoming the go-to solution for almost everything, it’s no surprise that mobile money transfers are now the norm for Filipino expats in the UK. But with so many options, how do you know which one offers security, speed, and value?

One standout solution for Filipino money transfer needs is ACE Money Transfer. Compared to others, our service is quick, secure, and user-trusted.

What Are the Best Mobile Apps to Send Money to the Philippines from the UK?

The UK has a vibrant Filipino community that frequently sends funds home. Mobile apps simplify this process and eliminate the need for long queues and paperwork.

ACE Money Transfer – A Trusted Choice Among Filipinos in the UK

ACE Money Transfer allows UK-based users to send remittances to the Philippines instantly.

  • User-friendly interface: It takes just minutes to register and initiate a transfer.
  • Multiple payout options: Direct bank deposits, cash pickup, and mobile wallet top-ups.
  • Affordable fees: Competitive exchange rates with transparent charges.
  • Strong security: Two-factor authentication and encryption protocols ensure every transfer is protected.

ACE also supports GCash, BDO, BPI, Metrobank, and other major Philippine banks. The funds usually arrive within minutes, depending on the chosen method. According to the World Bank Remittance Prices Worldwide, digital services like ACE significantly reduce transaction costs compared to traditional banks.

Invite Friends and Earn Rewards with ACE Money Transfer (T&C Apply)

Supporting your loved ones back home just got even more rewarding! With ACE Money Transfer’s latest Referral Program, you can now earn up to 50 EUR or equivalent when you invite friends to send money to the Philippines.

From 14th May 2025 to 23rd May 2025, every successful referral, where your friend sends the minimum qualifying amount from an eligible country, will earn you a cash reward. Whether you’re making a money transfer from Ireland to the Philippines or helping someone else start, this is your chance to send money online to the Philippines and earn while doing it!

Earn 50 EUR with ACE.

 

Download the ACE App (Andriod & IOS) Now!

Remitly – Flexible Speed Options

Remitly offers two-speed options: economy (cheaper but slower) and express (faster but with higher fees).

  • Bank deposits, cash pickup, and mobile money transfers
  • Good app interface and real-time tracking
  • Optional promo rates for first-time users

While convenient, higher transfer fees can add up over time, especially for frequent senders.

WorldRemit – Multiple Payment Options

WorldRemit is another leading platform used to handle money transfer to Philippines from the UK.

  • Offers card payments, Apple Pay, and bank transfers
  • Supports cash pickup from major locations in the Philippines
  • Transparent pricing with no hidden charges

However, users sometimes report delays during peak periods, especially during holidays.

Wise (Formerly TransferWise) – Best for Bank Transfers

If you’re looking for bank-to-bank transfers at mid-market rates, Wise is a great pick.

  • Extremely competitive exchange rates
  • Transparent upfront fee calculation
  • Ideal for larger transfers

But keep in mind: Wise does not support cash pickups—only bank transfers.

Xoom (by PayPal) – Backed by a Trusted Name

Xoom combines PayPal’s trusted platform with fast delivery to the Philippines.

  • Access via PayPal account
  • Fast delivery and strong customer support
  • Cash pickup and bill payment options

On the downside, fees may be higher for debit/credit card usage compared to bank transfers.

How Do You Choose the Right App for Remittance Transfers from the UK to the Philippines?

Choosing the right app depends on your priorities—whether it’s speed, cost, convenience, or payout flexibility.

Check Delivery Speed and Payment Methods

Speed is crucial in emergencies. Some apps, like ACE, provide instant transfers, while others may take up to 3 working days.

Also, assess how your recipient can receive the money:

  • Bank account
  • Cash pickup
  • Mobile wallet (e.g., GCash, PayMaya)

Compare Exchange Rates and Fees

Apps often advertise “zero fee” transfers, but hidden margins in exchange rates can cost you more. Services like Monito allow real-time comparison of rates and fees.

With ACE Money Transfer, you’ll find a fair exchange rate with no surprises.

Verify Security and Regulatory Compliance

Always choose apps regulated by the Financial Conduct Authority (FCA) in the UK. Apps like ACE and Wise comply with all UK and Philippine regulations, providing peace of mind with every transfer.

Look for:

  • Two-factor authentication
  • Encrypted transactions
  • 24/7 fraud monitoring

Read User Reviews and Ratings

Real users offer valuable insights. Recent reviews applaud ACE’s “speed and ease of use,” making it a top contender for many expats.

Evaluate Customer Support Accessibility

Good customer service is a game-changer. Whether it’s via chat, phone, or email, responsive support ensures your transfer is in safe hands.

ACE, for instance, offers multilingual customer support to guide users from the UK or the Philippines.

Way Forward

When it comes to sending money home from the UK, Filipino expats need speed, safety, and transparency. The best apps are the ones that balance low fees, real-time tracking, and flexible payout options. Among these, ACE Money Transfer continues to win the trust of thousands with its easy-to-use platform and real-time transactions.

For anyone looking to send money to the Philippines from the UK, ACE offers an efficient and secure way to do so—without breaking the bank. 

Remeber, ACE Money Transfer, with its 4.8+ ratings on Trustpilot, is a name thousands trust worldwide.

FAQs

What’s the fastest way to send remittances from the UK to the Philippines?

Apps like ACE Money Transfer and Xoom offer near-instant transfers depending on the chosen delivery method.

Which app has the lowest fees for transfers to the Philippines?

ACE Money Transfer offers some of the most competitive fees and real exchange rates for UK-Philippines transfers.

Can I send money to GCash using a mobile app?

Yes, ACE Money Transfer supports direct top-ups to GCash accounts in the Philippines.

Is it safe to transfer money to the Philippines via mobile apps?

Yes, as long as the app is regulated by FCA and uses encryption, your money is safe.

Why should I use ACE Money Transfer?

Because ACE offers quick, affordable, and secure transfers—trusted by thousands and rated 4.8+ on Trustpilot.


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