#AppArrives asBehind the top
1InstaremPHP 25,129.98Most arrivesNo fee. The most pesos on this table.
2WisePHP 25,113.56PHP 16.42The highest rate here, with a £2.11 fee by bank transfer. £0.19 behind the top.
3SendwavePHP 25,024.87PHP 105.11£1.99 fee, paying by debit card. £1.25 behind the top.
4RemitlyPHP 24,877.87PHP 252.11£1.99 fee to a bank account, paying by Easy bank transfer. £2.99 behind.
5Western UnionPHP 24,867.36PHP 262.62£0.99 fee by instant bank transfer, rate 1.35 percent below Wise's. £3.12 behind.
6XoomPHP 24,414.41PHP 715.57£1.99 fee, rate 2.82 percent below Wise's. £8.49 behind.
Wise's, Sendwave's, Remitly's, Western Union's and Xoom's amounts have the fee taken out of the £300. The gaps in pounds use Wise's rate, 84.30 pesos to the pound.
What to actually open
If you already use Instarem or WiseStay with it for this send.On £300 the two were 16 pesos apart, about £0.19. Wise had the highest rate on this table. Its £2.11 fee by bank transfer is what put it second. By debit card, Wise's fee was £3.04.
If you are choosing between the twoInstarem took no fee on £300.Its quote did not say which way of paying or which payout it was for. Check the amount in the app before you send.
If you use SendwaveYou were £1.25 behind Instarem.Its rate, 83.97 pesos to the pound, was the second highest here. The £1.99 fee is what put it third.
If you send to a bank account with RemitlyYou were £2.99 behind Instarem.Remitly charged £1.99 to a bank account, and its rate, 83.48, was lower than Instarem's and Wise's.
If you are new to RemitlyIt showed new customers a better rate on the first £1,000, one per customer.Two new customers can see different rates, so read the amount on the last screen before you pay.
If you send with Western Union onlinePay by instant bank transfer.The fee was £0.99 that way and £1.99 by card. Even so, it was £3.12 behind Instarem.
Do not use Xoom for this send if one of the apps above is open to you.Its fee is £1.99, but most of the gap is in the rate. On £300 it was 715 pesos, about £8.49, behind Instarem.
For the whole route in one place, see how to send money to the Philippines.
Catches
Wise's, Sendwave's, Remitly's, Western Union's and Xoom's prices are for a bank account. Instarem's quote does not say how the money is paid out. If your family uses GCash, the price can be different. Check the amount on the app's last screen before you pay.
Western Union's site showed a second price beside its normal one: no fee and a better rate, 25,773.13 pesos on £300 to a bank account. Its price list did not say who gets it. The table uses the normal price.
Sendwave also showed a better rate it calls an Intro Rate Discount. The table leaves it out.
LemFi's calculator showed 83.55 pesos to the pound and a £5 bonus it calls LemFi Cash. It did not show a fee or say how the money is paid out, so LemFi is not in the table.
WorldRemit, MoneyGram and the UK banks are not in the table. We did not get a price from them this morning. They are missing, not judged. If one of them is your usual app, check what arrives for £300 before you send.
How we checked
The check ran on Friday 13 November 2026, between 05:04 and 05:07 GMT. Each price comes from that app's own UK site or calculator, for £300 to the Philippines. Every price in the table is the normal one, not a new-customer price. Western Union's is for paying by instant bank transfer.
Corrections
None so far. If we get something wrong, the fix is dated here.