What does it cost to send $5,000 CAD to Philippines?
Model the visible fee and exchange-rate markup, then compare the exact PHP amount shown by Wise, Remitly, WorldRemit or another provider.
$5,000 transfer-cost calculator
The 1% markup and $5 fee are editable examples, not a provider quote. Enter the fee and rate spread from the live checkout you are comparing.
Why a small FX spread matters on $5,000
A provider can charge no visible transfer fee and still cost more if its exchange rate is weaker than the mid-market rate. On a $5,000 transfer, a 1% exchange-rate markup represents about $$50.00 of value before any visible transfer fee.
| Illustrative FX markup | Cost on $5,000 | Plus a $5 visible fee |
|---|---|---|
| 0.5% | $25.00 | $30.00 |
| 1% | $50.00 | $55.00 |
| 2% | $100.00 | $105.00 |
| 3% | $150.00 | $155.00 |
Current providers worth checking for Philippines
Philippines transfers can differ materially by bank deposit, cash pickup and wallet route. Compare the exact PHP amount and recipient method.
Remitly: Broad Philippines remittance network. Current route supports multiple delivery options depending on recipient and partner. Check current Remitly route →
Wise: Transparent bank-transfer comparison. Use the live Canada-to-Philippines route for current fee and bank-delivery availability. Check current Wise route →
WorldRemit: Remittance payout alternatives. Check current Philippines receive methods in the live transfer flow. Check current WorldRemit route →
Use the final recipient amount as the tie-breaker
For a fair comparison, open the providers within a short time window, enter exactly $5,000 CAD, choose the same payout method where possible and write down the final PHP amount the recipient will receive. That automatically captures most fee and exchange-rate differences without requiring you to reverse-engineer every pricing component.
Do not treat a first-transfer promotional rate as normal repeat pricing. Promotions can be valuable, but a recurring sender should also compare a non-promotional quote. Card-funded transfers can also create extra provider or card-issuer costs that do not appear in a headline transfer fee.
Related CanadaStarter pages
Canada to Philippines money-transfer guide →
Cost to send $500 CAD to Philippines →
Cost to send $1,000 CAD to Philippines →
Cost to send $2,000 CAD to Philippines →
Full FX Cost Calculator →
FX Markup Cost Reference →
General comparison information only. Exchange rates, fees, payout methods, limits and promotions change. Verify the final provider checkout before sending.