Remitly vs. Western Union: Cheaper Transfers to Philippines 2026

Remitly and Western Union both send money to the Philippines. Remitly has two speeds: Express arrives in minutes but costs more, Economy takes 3-5 days and is cheaper.[1][2] Both add markups to exchange rates. Remitly's is 1-2%, Western Union's 2-4%.[3] Remitly sends to 170+ countries, Western Union to 200+.[1][5] Fees depend on amount, method, speed. Check both sites for your transfer to see real costs.[1][2] Remitly often cheaper for small to medium amounts.[3][4]