How to Transfer Money to the Philippines from Canada: A 2025 Guide

Sending money back home is a vital part of life for many Filipinos living in Canada. Whether you're supporting family, paying for education, or investing in property, choosing the right method to transfer funds to the Philippines is crucial. This guide will walk you through the most reliable and cost-effective ways to send money to Philippines from Canada in 2025.

Understanding Your Options

When it comes to money transfer to Philippines from Canada, there are several methods available, each with its advantages:

• Bank Transfers: Traditional, but often come with higher fees and longer processing times.
• Online Money Transfer Services: Fast, convenient, and usually offer better exchange rates.
• Cash Pickup Services: Useful if the recipient doesn't have a bank account.
• Mobile Wallets: Growing in popularity for their ease of use and instant transfers.

Top Online Cash Transfer Services in 2025

Choosing the right service depends on factors like speed, cost, and convenience. Here are some top-rated options:

1. ACE Money Transfer

ACE Money Transfer is a trusted platform for Filipinos in Canada looking to send money to Philippines from Canada online. It offers:

• Competitive exchange rates
• Low transfer fees
• Multiple payout options (bank deposit, cash pickup, mobile wallet)
• User-friendly mobile app and website

2. Remitly

Remitly provides fast and secure transfers with options for express or economy delivery. Features include:

• Real-time tracking
• 24/7 customer support
• Various delivery methods, including bank deposit and cash pickup

3. Wise (formerly TransferWise)

Wise is known for its transparency and low fees. Benefits include:

• Real exchange rates with no hidden fees
• Easy-to-use platform
• Fast transfers to Philippine bank accounts

4. Xoom (a PayPal service)

Xoom offers quick transfers with multiple delivery options:

• Bank deposits
• Cash pickups at partner locations
• Mobile wallet transfers
• Door-to-door delivery in select areas

5. Western Union

Western Union has a vast network of agent locations, making it easy for recipients to collect funds:

• Online and in-person transfer options
• Cash pickup and bank deposit services
• Wide availability across the Philippines

Download the ACE App (Andriod & IOS) Now!

Steps to Send Funds Online

Here's a general process to send money to Philippines from Canada online:

1. Choose a Service: Select a reputable money transfer provider.
2. Create an Account: Sign up and verify your identity.
3. Enter Transfer Details: Input recipient information and the amount to send.
4. Select Delivery Method: Choose how the recipient will receive the funds.
5. Make Payment: Use your bank account, debit, or credit card to fund the transfer.
6. Confirm and Track: Review the details, confirm the transfer, and track its progress.

Tips for a Smooth Transfer

To ensure a hassle-free experience:

• Double-Check Recipient Details: Ensure accuracy to avoid delays.
• Compare Fees and Rates: Look for the best combination of low fees and favourable exchange rates.
• Use Secure Connections: Always use secure internet connections when making online transactions.
• Stay Informed: Keep track of your transfer and be aware of any potential delays.

Additional Resources

For more information on money transfer services and comparisons, visit Finder Canada – Send Money to the Philippines.

Transferring Funds to The Philippines

Transferring money to the Philippines from Canada in 2025 is easier and more efficient than ever. By choosing the right service, you can ensure your funds reach your loved ones quickly and securely. ACE Money Transfer stands out as a reliable option, offering competitive rates and a user-friendly platform tailored to the needs of the Filipino community in Canada. 

Rated 4.8/5 on Trustpilot by more than 129,000 users, ACE Money Transfer stands out as a trusted name in global remittance services.

FAQs

1. What is the fastest way to send money to the Philippines from Canada?

Services like Remitly and Xoom offer express transfers that can deliver funds within minutes, especially for cash pickups.

2. Are there any fees involved in online money transfers?

Yes, fees vary by provider and transfer method. It's important to compare fees and exchange rates before making a transfer.

3. Can I send money to a mobile wallet in the Philippines?

Yes, services like ACE Money Transfer, Remitly, and Xoom support transfers to mobile wallets such as GCash and PayMaya.

4. Is it safe to send money online to the Philippines?

Using reputable and regulated money transfer services ensures that your transactions are secure and your personal information is protected.

5. How can I track my money transfer?

Most online money transfer services provide tracking features through their websites or mobile apps, allowing you to monitor the status of your transfer in real-time.