USD to PHP
Wise 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
Wise is cheaper at $100, $1,000, and $10,000.
Wise quoted $1.18, $6.07, and $55.20. PayPal charges $8.35, $72.97, and $727.09.
$100: Wise saves $7.17. $1,000: Wise saves $66.90. $10,000: Wise saves $671.89.
- Invoice
- USD 100, USD 1,000, and USD 10,000
- Invoice currency
- USD
- You receive
- PHP
- Payment route
- US client bank payment
The numbers
Fees by invoice amount
Both providers use the same USD-to-PHP rate here.
Invoice
$100
Wise is cheaper- Fee
- $1.18
- Reaches your bank
- ₱6,216.77
- Fee
- $8.35
- Reaches your bank
- ₱5,765.40
Wise saves $7.17 About ₱451 more reaches your bank
Invoice
$1,000
Wise is cheaper- Fee
- $6.07
- Reaches your bank
- ₱62,528.13
- Fee
- $72.97
- Reaches your bank
- ₱58,319.46
Wise saves $66.90 About ₱4,209 more reaches your bank
Invoice
$10,000
Wise is cheaper- Fee
- $55.20
- Reaches your bank
- ₱625,627.35
- Fee
- $727.09
- Reaches your bank
- ₱583,358.75
Wise saves $671.89 About ₱42,269 more reaches your bank
Fee sources
Wise
- Wise fee for receiving $100 and sending PHP to your bank Wise live $100 USD receipt to PHP bank-transfer quote Checked 12 September 2026 Quote caveat: Wise quoted a total fee of $1.18, including VAT; A new Wise quote may be different
- Wise fee for receiving $1,000 and sending PHP to your bank Wise live $1,000 USD receipt to PHP bank-transfer quote Checked 12 September 2026 Quote caveat: Wise quoted a total fee of $6.07, including VAT; A new Wise quote may be different
- Wise fee for receiving $10,000 and sending PHP to your bank Wise live $10,000 USD receipt to PHP bank-transfer quote Checked 12 September 2026 Quote caveat: Wise quoted a total fee of $55.20, including VAT; A new Wise quote may be different
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.
