Send money from Canada to Philippines
You pay in CAD, the recipient gets PHP. Below are services that can do this today, ranked by how much actually arrives after all fees and exchange-rate markups.
Services that send this corridor directly
Two-step route via a dollar stablecoin (USDT)
Buy USDT for CAD in one service, send it (fees are cents), and sell it for PHP in another. Two steps, but often cheaper than a bank wire, and it works for corridors nobody serves directly.
Step 1 — CAD → USDT
Step 2 — USDT → PHP
Calculate your amount
How it works
- Pick a service above and open it with our link (some give a bonus on the first transfer).
- Register and pass a quick identity check — usually a passport photo, a few minutes.
- Pay with a card or bank transfer in Canada; the recipient in Philippines gets money to a card, account or wallet.
FAQ
What is the cheapest way to send money from Canada to Philippines?
Compare the amount received, not the advertised fee: a "0% fee" service can hide 3% in the exchange rate. The list above already accounts for both.
How long does a transfer from Canada to Philippines take?
Card-to-card and stablecoin transfers usually arrive within minutes; bank payouts can take up to 1–3 business days.
What is the CAD to PHP exchange rate today?
The mid-market rate is 1 CAD = 45.4096 PHP. Services add their own markup; we show how much of it you lose.
Are these services legal and safe?
All listed services are public companies with their own licences and terms. Check the recipient's country rules and your bank's limits before a large transfer.