BOSS Money vs Remitly for Philippines fees, rates, and features compared 2026

Send money to Philippines

Written by BOSS Money Content Team

September 08, 2026 • 10 min read

Sending money from the US to the Philippines should not be hard. However, choosing the right service can be.

A $500 transfer can look cheap at first, yet the exchange rate may change how much your family receives. A service with a low fee is not always the best deal. You also need to check speed, payment options, transfer limits, and how the recipient gets the money.

BOSS Money and Remitly are two popular choices for sending money to the Philippines. Both support bank deposits, mobile wallets, and cash pickup. However, their fees, promotions, rates, limits, and delivery options are not the same.

So, which one is better in 2026? The answer varies and depends on what matters most to you.

This guide compares BOSS Money and Remitly on a range of things from fees and exchange rates, to delivery speed, GCash and Maya support, transfer limits, and more.

BOSS Money vs Remitly at a glance

The table below gives you the main differences before we look at each feature in detail. Keep in mind that exchange rates and fees can change based on various factors.

Feature	BOSS Money	Remitly
Transfer fee — US to Philippines, $500	$0 for eligible new-customer promo transfers; standard fee varies	$0 for eligible first transfer; standard fee depends on delivery method
Exchange rate markup	Rate varies by transaction	Rate varies
Total cost for $500	Depends on promotion, rate and delivery method	Depends on promotion, rate and delivery method
Transfer speed	Most online transfers completed within minutes; exact timing varies	Express is designed for speed; Economy is designed for value; exact ETA varies
GCash delivery	Yes	Yes
Maya (PayMaya) delivery	Yes	Yes
Bank deposit	Yes	Yes
Cash pickup	Yes	Yes
Transfer limit per transaction	Up to $5,000 from the US to the Philippines	Up to $300,000 US sending limit, subject to country, partner and compliance restrictions
Daily / monthly limit	Exact limits can depend on account and transaction conditions	24-hour, 30-day and 180-day limits apply
First-transfer promo	$0 fee on first 3 Philippines transfers under current offer	No fee on first transfer, plus promotional FX rate for eligible new customers
Mobile app	Yes	Yes
Customer support	Yes	Yes

BOSS Money offers up to $5,000 per online transaction from the US to the Philippines. New customers can also qualify for $0 fees on their first three eligible transfers.

Remitly has a much higher US sending limit, with transfers of up to $300,000.¹ Your personal limit can be lower based on verification, payment method, destination, and other factors.

Note: Rates verified on September 5, 2026. Exchange rates change daily – so check the app before you transfer.

BOSS Money vs Remitly: Transfer Fees for the Philippines

The fee you see at checkout is only one part of the cost. A transfer with a lower fee can still deliver fewer pesos if its exchange rate is less favorable. For that reason, compare the fee and the amount the recipient receives together.

BOSS Money fees

BOSS Money does not use one flat fee for every transfer.

The cost can change based on the amount, payment method, delivery method, and other transaction details. The final fee appears before you complete the transfer.

However, for new customers, BOSS Money offers a major advantage. Eligible customers can get $0 transfer fees on their first three qualifying transfers to the Philippines.

That means a new customer could send:

$200 with a $0 transfer fee
$500 with a $0 transfer fee
$1,000 with a $0 transfer fee

The offer applies only when the transfer meets the promotion rules. After the promotion ends, the fee can vary. It’s best to check the exact amount before each transfer.

Remitly fees

Remitly also changes the price based on the way the recipient receives the money. For USD-to-PHP transfers, common delivery fees² include:

Bank deposit: $0
Mobile wallet: $0
Cash pickup: $4.99
Home delivery: $4.99

The first eligible transfer can also qualify for a special new-customer offer.³

So, for a $500 transfer, a mobile-wallet or bank transfer may have a $0 delivery fee, while a cash-pickup transfer may cost $4.99.

Remitly also provides different delivery speeds – Express and Economy. While Express is intended for customers who need money quickly, Economy is for transfers where timing is more flexible.

The final price can change, so check the amount shown at checkout.

Which is cheaper overall?

For a new customer, BOSS Money has a strong fee advantage because its current offer covers the first three qualifying transfers. Remitly's new-customer offer applies to the first eligible transfer.

But the lowest fee does not always mean the lowest total cost. The exchange rate matters just as much.

Exchange rate: BOSS Money vs Remitly (USD to PHP)

The exchange rate tells you how many Philippine pesos you receive for each US dollar. A money-transfer provider may offer a rate that is different from the broad market rate you see on a financial website.

Think of it simply: if the wider market rate is $1 = ₱64, but a transfer service offers ₱62, you would receive ₱2 less for every dollar converted. That difference is effectively part of the cost of the transfer.

The exact rate changes throughout the day.

At the time of this comparison, BOSS Money displays a ₱62.184 (₱64.064 - promotionlal) per US dollar in its rate comparison, while Remitly's US-to-Philippines page shows a ₱61.33 (₱64.28 - welcome rate) welcome rate for eligible new customers.

Now, consider the $500 example:

For BOSS Money: $500 × ₱62.184 = ₱31,092
For Remitly: $500 × ₱61.33 = ₱30,665

That is a difference of: ₱31,092 − ₱30,665 = ₱427

So, on these displayed rates, BOSS Money regular rate would put ₱427 more in the recipient's hands on a $500 transfer before considering any applicable fee.

This example also shows why a $0 fee does not automatically make one service cheaper. If the exchange rate is better on the other service, the recipient could still receive more money.

How to get the best rate

Start by entering the same amount into both apps. Use the same delivery method and, where possible, the same payment method. Then compare the final PHP amount.

If you need money delivered quickly, Remitly's Express option may make sense. If you have more flexibility, Economy is designed around value rather than urgency.

BOSS Money can be attractive when its $0-fee promotion applies and its current exchange rate gives you a strong final payout.

The best rate can change from one day to the next. Check both services before every large transfer.

How fast is BOSS Money vs Remitly to the Philippines?

Both services can deliver money quickly, but the exact time depends on the payment method, delivery method, transaction checks, and the receiving partner.

Method	BOSS Money	Remitly Express	Remitly Economy
GCash	Usually minutes; exact ETA varies	Typically minutes	Usually 3 to 5 days, but timing depends on transfer
Bank deposit	Often minutes, but timing varies	Between minutes to a few hours	1 to 5 business days
Cash pickup	Usually minutes, subject to payout location	Within minutes	Often between 3 to 5 days, though timing varies
Direct to debit	Available; timing varies	Debit-card deposit available where offered	Availability varies

Many BOSS Money online transfers are completed within minutes. Some transfers can take longer because of payment processing, security checks, holidays, or other delays.

Remitly transfers also arrive quickly.⁴ It recommends Express with a debit or credit card, where available, for customers who need faster delivery. Exact timing is shown when you set up the transfer.

When speed matters most

The best transfer option depends on how quickly the money is needed and how much you are willing to pay for speed.

Emergency transfer:
If a family member needs money now, choose the fastest available method. Express may be useful when offered.

Regular family support:
If your recipient can wait, a lower-cost option may make more sense than paying for speed.

Large sum:
Check the delivery estimate, transfer limit and final exchange rate before sending. A fast transfer is not necessarily the best-value transfer.

How can recipients receive money in the Philippines?

Both BOSS Money and Remitly give recipients several ways to access their money. Here are some ways:

GCash and other mobile wallets

GCash is one of the most useful options for recipients who want money directly in a mobile wallet.

BOSS Money supports mobile-wallet delivery in the Philippines, including GCash. The available wallet options are shown in the app.

Remitly also supports GCash⁵. The process is simple: choose the Philippines, enter the amount, select GCash, and add the recipient's wallet details.

Maya⁶ – formerly PayMaya – is also supported by Remitly in relevant Philippines services. Availability can depend on the exact transfer setup.

Bank transfer

Both services support bank deposits in the Philippines.

This can be useful when the recipient wants to keep the money in a bank account rather than withdraw cash or use a wallet. Remitly offers bank deposit at a $0 delivery fee for USD-to-PHP transfers.

BOSS Money also offers direct bank deposit and may require the recipient's bank name and account number when setting up the transfer.

Cash pickup networks

Cash pickup remains useful when the recipient does not have convenient access to a bank account or mobile wallet.

BOSS Money offers cash pickup in the Philippines. Remitly also offers cash pickup, although the current PHP fee is $4.99.

Transfer limits: BOSS Money vs Remitly for the Philippines

Transfer limits become more important when you send several thousand dollars or more.
BOSS Money currently allows up to $5,000 per online transaction from the US to the Philippines. The exact limit available to you is often shown in the app.

The normal online transaction range starts at $10 and goes up to $5,000, with exceptions depending on the destination, payment method, and other factors.

Remitly has a much higher US limit. As of August 2026, it allows customers to send up to $300,000 in one transaction from the US. But this is a maximum, not a guarantee for every account.

Your personal Remitly limit can depend on:

Identity verification
Payment method
Destination
Transfer history
Local rules
Delivery method

Remitly can also apply limits over different periods, such as 24 hours, 30 days, or 180 days.

For either provider, larger transfers can trigger additional verification. You may be asked to provide government-issued identification, address details, bank statements, pay stubs or other information before the transfer can proceed.

There can also be limits on the recipient's side. For example, GCash wallet limits may apply on the recipient's end.

So, before sending a large amount to GCash, check both your sending limit and the recipient's wallet limit.

How can you fund a transfer? Payment methods compared

Both services support several ways to pay for a transfer from the US.

Payment method	BOSS Money	Remitly
Debit card	Yes	Yes
Credit card	Yes	Yes
Bank transfer (ACH)	Yes	Yes
Apple Pay / Google Pay	Yes	Yes, though availability depends on location

One point to remember: using a credit card can sometimes lead to additional charges from your card issuer. BOSS Money specifically warns customers that a credit-card payment might result in additional charges from their bank.

BOSS Money - Pros and Cons

BOSS Money is particularly appealing to people who make regular transfers and want to take advantage of promotions.

It provides three $0-fee transfers for new customers, and the service supports mobile wallets, banks, cash pickup and direct-to-debit delivery.

Three $0-fee transfers for eligible new customers.
GCash and mobile-wallet delivery are available.
Bank deposit and cash pickup are supported.
Direct-to-debit delivery is available.
Supports debit cards, credit cards, ACH, Apple Pay and Google Pay.
Shows the fee, exchange rate and recipient amount before confirmation.
Most online transfers are completed within minutes

Standard fees vary by transaction.
Exchange rates change and can differ from the broader market rate.
The $5,000 limit may not suit someone sending a very large amount.
Credit-card issuers may charge additional fees.
Exact delivery timing depends on several factors.

Remitly - Pros and Cons

Remitly is a good fit for people who want a large transfer limit and several delivery choices. Its Express and Economy options also make it easier to choose between speed and value.

No fee on the first eligible transfer.
Current promotional USD-to-PHP rate for eligible new customers.
GCash and mobile-wallet delivery are supported.
Express and Economy options can give customers a choice between speed and value.
Supports debit/credit cards, bank accounts, Apple Pay and Google Pay.
Real-time transfer tracking is available.
Large US sending limit, subject to verification and other restrictions.

Promotional rates are limited to eligible new customers.
Exchange rates can change.
Cash pickup currently carries a $4.99 PHP-delivery fee.
Transfer limits vary by account, destination, delivery method and verification.
Exact delivery times are not guaranteed for every transfer.

FAQs

Does BOSS Money support GCash delivery to the Philippines?

Yes. BOSS Money supports mobile-wallet transfers to the Philippines, including GCash. The exact wallet options available are shown when you set up your transfer.

Is BOSS Money cheaper than Remitly for Philippines transfers?

For eligible new customers, BOSS Money offers three $0-fee transfers, while Remitly offers no fee on the first transfer. However, the exchange rate can change the final outcome. On the rates displayed when checked, BOSS Money showed ₱63.938 per USD and Remitly showed a ₱64.29 promotional rate. For a $500 transfer, those rates would produce ₱31,970 and ₱32,145 respectively before any applicable fee.

How long does BOSS Money take to send money to the Philippines?

Many BOSS Money online transfers are completed within minutes. However, the actual delivery time can vary by payment method, delivery method, processing, and other factors.

Can I send money to the Philippines with a credit card using BOSS Money?

Yes. BOSS Money lists Visa and MasterCard credit cards as payment methods for US transfers. However, your card issuer may charge an additional fee, so check your card terms before paying.

What is the maximum I can send to the Philippines with BOSS Money?

The current online limit is up to $5,000 per transaction from the US to the Philippines. Your exact available limit is displayed in the app and can depend on transaction conditions and verification.

Does BOSS Money have a first-transfer promo for the Philippines?

Yes. BOSS Money currently offers $0 transfer fees on the first three qualifying transfers to the Philippines for eligible new customers. Promotions can change, so check the current terms before sending.

Is Remitly or BOSS Money better for large transfers to the Philippines?

Remitly is better suited to very large transfers. Its sending limit can reach $300,000 per transaction, compared with BOSS Money's $5,000 online limit. The actual Remitly limit for a particular sender can be lower after account and transaction checks.

The bottom line

BOSS Money is a strong choice for people who send money to the Philippines regularly and want to take advantage of its current three-transfer $0-fee promotion. It also gives recipients several choices, including GCash, bank deposits, cash pickup, and direct-to-debit delivery.

Remitly is better for those who want more flexibility around delivery and larger transfer limits. Its Express and Economy options let you choose based on how quickly the recipient needs the money. It also supports GCash, Maya, bank deposits, and cash pickup.

For either service, don't choose based on the fee alone. Enter the same amount, select the same delivery method, and compare the final PHP amount your recipient receives.

If the difference is only a few dollars, convenience and speed may matter more. If you're sending money every month, however, even a small exchange-rate difference can add up over the year.

Ready to compare your transfer? Start your first BOSS Money transfer to the Philippines

Sources: all third party information obtained from applicable website as of September 7, 2026

https://www.remitly.com/us/en/landing/send-limits
https://www.remitly.com/us/en/currency-converter/usd-to-php-rate
https://www.remitly.com/us/en/help/article/first-transfer-promo
https://www.remitly.com/blog/money-transfer/how-long-do-international-money-transfers-take/
https://www.remitly.com/us/en/providers-philippines/send-money-to-gcash
https://www.remitly.com/us/en/providers-philippines/send-money-to-paymaya

This article is provided for general information purposes only and is not intended to address every aspect of the matters discussed herein. The information in this article is not intended as specific personal advice. The information in this article does not constitute legal, tax, regulatory or other professional advice from IDT Payment Services, Inc. and its affiliates (collectively, “IDT”), and should not be taken or used as such by any individual. IDT makes no representation, warranty or guaranty, whether express or implied, that the content in this article is current, accurate, or complete. You should obtain professional or other substantive advice before taking, or refraining from, any action on the basis of the information in this article.