Money to Philippines 
Every Peso Counts for Loved Ones Back Home
More in Their Hands, Less in Fees
Micro-Remittances and Small Transfers to the Philippines Made Simple & Affordable
Send money Now
When you send money to the Philippines, every dollar matters. Whether you're covering household expenses in Manila, supporting family in Cebu, or helping a student in Quezon City, high transfer fees reduce what actually arrives. AFNOPay was built to solve this – offering a simple, transparent way to transfer money from the USA to the Philippines, with no hidden charges and competitive USD-to-PHP exchange rates.
AFNOPay operates in partnership with OFX, a globally licensed and regulated money transfer provider, ensuring every transfer from the USA to the Philippines meets international compliance and security standards.
Millions of families rely on micro-remittances for everyday expenses. AFNOPay makes small transfers affordable, so more of your money reaches the people who need it.
Send $20 now and see exactly how much arrives in Philippine pesos – then decide for yourself.
Send money NowIf you're wondering how to send money to the Philippines, you'll be glad to know the process is simple and straightforward.
You can send to any major bank in the Philippines, including BDO Unibank, Bank of the Philippine Islands, Metrobank, and all major Philippine financial institutions. Just enter the recipient's bank details. Your recipient does not need an AFNOPay account.
The PHP amount your recipient will receive is displayed instantly, along with the full exchange rate. No transfer fees are added – the rate you see is the rate applied.
AFNOPay processes your transfer securely and reliably, depositing directly to your recipient's bank account in Philippine pesos.
Most international money transfer services are optimized for large transfers – which means small amounts lose a bigger percentage to fees. AFNOPay is specifically designed for micro-remittances and smaller transfers up to $300, making it one of the most cost-effective options available for sending money to the Philippines from the USA.
AFNOPay charges no transfer fees – the only cost is a small margin built into the exchange rate, which is displayed in full before you confirm. This makes it one of the most affordable options.
Once you confirm, AFNOPay handles the rest. Your transfer is processed through OFX's regulated infrastructure and deposited directly to your recipient's Philippine bank account in PHP – no follow-up needed on your end.
Every transfer is protected by 256-bit encryption and processed through OFX, a globally licensed and regulated money transfer provider.
Send as little as $20 to the Philippines without excessive fees reducing what your recipient receives – ideal for regular family support and everyday remittances.
Simply provide your recipient's Philippine bank details and funds arrive directly in PHP. They do not need to register or download anything to receive money.
Before confirming your transfer, the exact exchange rate and total amount to be sent are displayed upfront, so your recipient receives exactly what you expect with no surprises.
AFNOPay serves a wide range of people who regularly send money from the USA to the Philippines:
AFNOPay transfers funds directly to all major Philippine banks and financial institutions, including.
If you're unsure whether your recipient's bank is supported, contact AFNOPay's support team before initiating a transfer.
Not sure if AFNOPay is right for you? Start with a small amount. Send $20 and see exactly how much arrives in Philippine pesos. There's no commitment, and the exchange rate and full amount your recipient receives are visible before you confirm. Compare it to what you're currently paying with your current money transfer app, or your bank, and see the difference for yourself.
Send money NowThe best way to send money to the Philippines from the USA depends on your priorities – speed, cost, or convenience. For smaller transfers, the biggest factor is fees. Many services charge flat transfer fees that consume a large portion of small amounts. AFNOPay charges no transfer fees – the exchange rate applied is shown upfront before you confirm, so your recipient receives exactly what you see with no hidden deductions.
For amounts under $300, the cheapest way to transfer money to the Philippines is through a service that keeps fees proportional to the amount sent. AFNOPay's fee structure is designed specifically for smaller remittances, meaning your recipient receives more Philippine pesos compared to using a traditional bank or services with fixed transfer charges.
Yes. AFNOPay has no minimum transfer restrictions that make small amounts impractical. You can send $20 or $50 to the Philippines and you can clearly see the full exchange rate before you confirm – no transfer fees are added on top. If you are trying AFNOPay for the first time, starting with a small amount is a straightforward way to see exactly how much arrives.
Transfers from the USA to the Philippines typically take 3 to 6 business days. This timeline is influenced by banking processing hours, compliance verification, and Philippine financial institution schedules. AFNOPay processes transfers promptly on its end – delays, when they occur, are generally on the receiving bank's side.
AFNOPay supports transfers to all major Philippine bank accounts including BDO Unibank, Bank of the Philippine Islands, Metrobank, Land Bank of the Philippines, and Security Bank. Your recipient does not need an AFNOPay account. Funds are deposited directly in Philippine pesos to their existing bank account. If you are unsure about a specific bank, contact support before initiating the transfer.
Yes. AFNOPay operates in partnership with OFX, a globally licensed and regulated money transfer provider. Every transfer uses 256-bit encryption and meets international compliance standards. Your personal data and funds are protected at every stage of the transaction.
Yes, and it is what AFNOPay is specifically built for. Many mainstream services are optimized for larger transfers, which means their fee structures are less favorable for amounts under $300. AFNOPay charges no transfer fees, keeping more Philippine pesos in your recipient's hands regardless of the amount sent – whether that is $20 for everyday support or $300 for a monthly contribution.
Most people choose AFNOPay because of how it handles small transfers. Sending $20 or $50 through a traditional bank or large transfer service often means a significant portion is lost to fees. AFNOPay was built around the idea that micro-remittances deserve the same affordability and transparency as larger transfers – backed by OFX's regulated infrastructure and clear pricing before every transaction.
