USD to PHP
Payoneer vs PayPal in the Philippines
A US client pays you $100, $1,000, or $10,000. Here’s how much arrives in your bank account.
Researched by Harry Guinness Sources checked 12 September 2026 Sources and assumptions
Fee comparison
Payoneer is cheaper at $100, $1,000, and $10,000.
Payoneer charges 3.97%: $3.97, $39.70, and $397.00. PayPal charges $8.35, $72.97, and $727.09.
$100: Payoneer saves $4.38. $1,000: Payoneer saves $33.27. $10,000: Payoneer saves $330.09.
- Invoice
- USD 100, USD 1,000, and USD 10,000
- Invoice currency
- USD
- You receive
- PHP
- Payment route
- US client ACH bank payment
The numbers
Fees by invoice amount
Both providers use the same USD-to-PHP rate here.
Invoice
$100
Payoneer is cheaper- Fee
- $3.97
- Reaches your bank
- ₱6,041.25
- Fee
- $8.35
- Reaches your bank
- ₱5,765.40
Payoneer saves $4.38 About ₱276 more reaches your bank
Invoice
$1,000
Payoneer is cheaper- Fee
- $39.70
- Reaches your bank
- ₱60,412.47
- Fee
- $72.97
- Reaches your bank
- ₱58,319.46
Payoneer saves $33.27 About ₱2,093 more reaches your bank
Invoice
$10,000
Payoneer is cheaper- Fee
- $397.00
- Reaches your bank
- ₱604,124.71
- Fee
- $727.09
- Reaches your bank
- ₱583,358.75
Payoneer saves $330.09 About ₱20,766 more reaches your bank
Fee sources
Payoneer
- Payoneer fee for receiving USD through a non-local-currency receiving account Payoneer pricing Checked 12 September 2026
- Payoneer fee for converting the received USD balance to PHP Payoneer October 2025 fee update Checked 12 September 2026
PayPal
- international commercial transaction percentage PayPal Merchant Fees — Philippines Checked 12 September 2026
- USD fixed commercial transaction fee PayPal Merchant Fees — Philippines Checked 12 September 2026
- received-payment currency conversion fee PayPal Merchant Fees — Philippines Checked 12 September 2026
- standard Philippine bank withdrawal PayPal Merchant Fees — Philippines Checked 12 September 2026
Send your next invoice
Create a USD invoice for your client. Fieldfare will track what you actually receive after fees and currency conversion.
Sources and assumptions
How we calculated it
For each invoice amount, we took each provider’s USD fees in the order charged. We converted what was left to PHP at the same daily rate, then took any local bank-withdrawal fee.
Exchange rate
We used 1 USD = 62.91 PHP, from Open Exchange Rates on 19 September 2026.
Payment details
- Account: Philippine freelancer or sole trader
- Conversion: USD received and converted to PHP
- Payout: PHP sent to a Philippine bank account
Found an error?
Send Harry the source and he’ll correct it.
