Send Money from Canada to the Philippines (CAD → PHP)
Canada's Filipino community has grown quickly over the past decade, concentrated in Ontario, British Columbia, and Alberta, with many arriving through caregiver and healthcare worker pathways. Regular transfers home make the exchange rate margin the biggest lever on total cost, more than any flat fee.
This snapshot compares what a CA$1,000 transfer delivers in PHP across the providers actively serving this corridor, refreshed hourly from live pricing.
Live comparison for CA$1,000.00
| Provider | Rate | Fee | Recipient gets |
|---|---|---|---|
| Western Union | 43.6381 | CA$0.99 | ₱43,595 |
| Instarem | 43.4102 | CA$0.00 | ₱43,410 |
| Wise | 43.7090 | CA$9.12 | ₱43,310 |
| Xoom | 42.6706 | CA$0.00 | ₱42,671 |
| Royal Bank of Canada | 42.5369 | CA$0.00 | ₱42,537 |
Snapshot for CA$1,000.00, refreshed hourly.
Providers on this corridor
- Western Union
Western Union is an American financial services and communications company with the world's largest cash-pickup network for money transfers.
- Instarem
Instarem (part of the Nium group) is a Singapore-founded fintech offering international transfers at a small FX margin with no fixed fee for bank-funded sends, plus wide cash-pickup coverage in the Philippines.
- Wise
Wise (formerly TransferWise) is a British fintech that provides international money transfers at the mid-market exchange rate with transparent, upfront fees.
- Xoom
Xoom, a PayPal service, sends to Philippine banks, GCash, cash pickup, and home delivery, funded instantly from a PayPal balance, bank account, or card — fast, but the exchange-rate margin runs 3%–4% above mid-market.
Frequently asked questions
What's the cheapest way to send money from Canada to the Philippines?
It varies week to week, which is why we refresh this snapshot hourly instead of naming a fixed winner. Providers quoting close to the mid-market rate with a small transparent fee (Wise, Instarem, OFX) generally beat providers that build their margin into the exchange rate. Compare the "recipient gets" column above, since it's the only figure that reflects both the rate and the fee together.
How long does a CAD to PHP transfer take?
Bank deposits usually arrive within a few hours to one business day. GCash and Maya wallet transfers are often near-instant once the sender's payment clears. Cash pickup is typically available within minutes of funding, depending on the receiving branch's hours.
Why don't RBC, TD, or Scotiabank show up in this comparison?
Canada's major banks don't publish the kind of live, comparable pricing feed this table relies on, so they're left out rather than shown with stale or estimated numbers. In practice, an international wire from a big-five Canadian bank tends to carry a wider exchange rate margin and a flat wire fee on top — it's worth calling your bank to compare directly against the live quotes above before assuming it's competitive.
Can I send CAD straight to a GCash or Maya wallet from Canada?
Yes — several of the providers in this comparison support direct payout to GCash and Maya in addition to bank deposit and cash pickup, and wallet payouts are typically the fastest option.
Does SulitSend charge anything to use this comparison?
No — SulitSend is free to use. Some providers pay us a referral commission if you sign up through our links, but you pay the same price either way; it never affects the rates or ranking shown here.