★ CORRIDOR · CANADA → PHILIPPINES · 2026

Sending money home to Pinas.

Canada-to-Philippines is one of the largest remittance corridors per capita — Filipino-Canadians send over $2 billion home annually. GCash and Maya have transformed delivery from "drive to Western Union" into "ping mom's phone instantly". This guide picks the right provider for your specific delivery method.

Amount (CAD)

PROVIDERMARGINFEETOTALSPEEDDELIVERY

PandaRemit$20$0$20Same-dayGCash, Maya, bank, cashView →

Wise$15$6$210-24 hrsBank deposit onlyView →

Remitly Express$18$4$22MinutesGCash, Maya, BPI, BDO + cash pickupView →

WorldRemit$22$3$25MinutesBank + 6000 cash pickupView →

Big-5 Bank wire$56$35$912-3 daysBank wire onlyView →

★ PHILIPPINE REMITTANCE RULES

BSP limit: No cap on inbound personal remittances under PESONet
Recipient tax: Personal remittances are not taxed at the recipient end
BIR ITR: Sustained $10K+/month transfers may require declaration as gift
FX timing: PHP/CAD typically strongest in March (OFW remittance dip) — send more then
GCash vs Maya: GCash has wider acceptance for cash-out at sari-sari stores

More

Remitly review

Wise review

All providers