Overview
Ang pag-transfer ng pera mula Remitly papunta sa UnionBank sa Pilipinas ay simple at mabilis. Ang mga fees ay nagsisifrom $3.99, at ang pera ay kadalasang dumadating sa loob ng ilang oras hanggang sa isang araw. Napakadali para sa freelancers na gustong mag-withdraw ng kanilang kita sa local bank accounts gaya ng UnionBank. Quick Facts Aspect Details Fees $3.99 and up Processing Time Up to 24 hours Minimum Withdrawal $10 Supported Banks BDO, BPI, UnionBank, and more Step-by-Step Process Create a Remitly Account: Kung wala ka pang account, mag-sign up sa Remitly website gamit ang iyong email at secure password. Verify Your Email: Check your email for a verification link and click it to activate your account. Set Up Your Transfer: Sa dashboard, piliin ang "Send Money" at ilagay ang detalye ng iyong recipient, tulad ng UnionBank account details. Enter Transfer Amount: Ilagay kung magkano ang gusto mong i-transfer. Ang Remitly ay magpapakita ng breakdown ng fees at exchange rate. Select Delivery Method: Piliin ang "Bank Deposit" at ilagay ang UnionBank bilang iyong bank. Provide Recipient Details: Ilagay ang pangalan, address, at UnionBank account number ng iyong recipient sa Pilipinas. Review and Confirm: Suriin ang lahat ng impormasyon at i-confirm ang transfer. Ang Remitly ay magbibigay ng tracking number. Wait for Transfer Completion: Karaniwang natatanggap ito sa loob ng ilang oras hanggang isang araw. Makakatanggap ka ng notification kapag successful na ang transfer. Fees Breakdown (Philippines 2026) Ang Remitly ay naniningil ng mga fees na nagsisifrom $3.99 para sa bawat transaction. Ang exact na fee ay maaaring magbago depende sa bilis ng transfer at halaga ng pera na iyong ipapadala. Halimbawa, para sa mas mabilis na delivery, maaaring tumaas ang fee. Kumpara sa ibang serbisyo, ito ay mas mura kaysa sa Western Union o MoneyGram na umaabot ng P500 o higit pa. That's about P150 - less than a Grab ride across Manila. Best Banks to Use Pinaka-popular na banks
Detailed Guide
sa Pilipinas for freelancers ay BDO, BPI, at UnionBank. Ang UnionBank ay kilala sa kanilang mahusay na customer service at low fees. Mas madalas silang ginagamit dahil sa kanilang efficient online banking system na madaling gamitin para sa freelancers na laging on-the-go. Samantala, ang BDO at BPI ay may mas maraming branches at mas matagal nang nag-ooperate, na nagbibigay ng convenient access sa maraming lugar. Kung nais mo ng mas flexible na paraan, maaaring gamitin ang GCash o Maya. These e-wallets allow you to transfer funds from your bank account and use it for various payments, making them a versatile choice for modern freelancers.
Key Points for Filipino Freelancers
Pro Tips
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Pro Tip: Most successful Filipino freelancers use Payoneer to receive payments and transfer to Maya or GCash for instant access to their earnings in Philippine Peso.
MS
Complete Fee Comparison for Filipino Freelancers (2026)
When choosing a payment method for your freelance earnings, fees can significantly impact your take-home pay. Here's how popular services compare when transferring to UnionBank:
| Service | Fee | Speed to UnionBank | Exchange Rate |
|---|
| Wise | 0.5-1.5% | 1-2 days | Mid-market (best) |
| Payoneer | 2% | 2-5 days | Below mid-market |
| PayPal | 3-4% | 3-5 days | Below mid-market |
| GCash | PHP 15 via InstaPay | Instant | N/A (PHP only) |
Common Mistakes Filipino Freelancers Make with Payments
- Not comparing exchange rates: Always check Wise rates against other services before withdrawing — the difference can be thousands of pesos monthly.
- Withdrawing small amounts frequently: Batch your withdrawals to minimize per-transaction fees. Aim for weekly or bi-weekly withdrawals instead of daily.
- Wrong account details: Triple-check your UnionBank account number before confirming. Wrong numbers cause delays of 5-10 business days.
- Not keeping records: Save all transaction receipts for BIR tax filing. You need these for Form 1701 or 1701Q.
- Ignoring timing: Philippine banking hours and holidays affect processing. Submit withdrawals Monday-Wednesday for fastest processing.
Pro Tips for Maximizing Your Earnings
- Use multiple payment services: Keep both Payoneer and Wise active — different platforms integrate with different services.
- Watch for promos: Payment services regularly offer zero-fee promotions for new users or specific corridors.
- Consider the 8% tax option: If your annual freelance income is under PHP 3M, the 8% flat tax rate is simpler and often cheaper than graduated rates.
Complete Fee Comparison for Filipino Freelancers (2026)
When choosing a payment method for your freelance earnings, fees can significantly impact your take-home pay. Here's how popular services compare when transferring to UnionBank:
| Service | Fee | Speed to UnionBank | Exchange Rate |
|---|
| Wise | 0.5-1.5% | 1-2 days | Mid-market (best) |
| Payoneer | 2% | 2-5 days | Below mid-market |
| PayPal | 3-4% | 3-5 days | Below mid-market |
| GCash | PHP 15 via InstaPay | Instant | N/A (PHP only) |
Common Mistakes Filipino Freelancers Make with Payments
- Not comparing exchange rates: Always check Wise rates against other services before withdrawing — the difference can be thousands of pesos monthly.
- Withdrawing small amounts frequently: Batch your withdrawals to minimize per-transaction fees. Aim for weekly or bi-weekly withdrawals instead of daily.
- Wrong account details: Triple-check your UnionBank account number before confirming. Wrong numbers cause delays of 5-10 business days.
- Not keeping records: Save all transaction receipts for BIR tax filing. You need these for Form 1701 or 1701Q.
- Ignoring timing: Philippine banking hours and holidays affect processing. Submit withdrawals Monday-Wednesday for fastest processing.
Pro Tips for Maximizing Your Earnings
- Use multiple payment services: Keep both Payoneer and Wise active — different platforms integrate with different services.
- Watch for promos: Payment services regularly offer zero-fee promotions for new users or specific corridors.
- Consider the 8% tax option: If your annual freelance income is under PHP 3M, the 8% flat tax rate is simpler and often cheaper than graduated rates.
Written by
Maria Santos
Virtual Assistant with 6+ years of experience working with international clients. Former BPO employee who transitioned to freelancing in 2019. Has earned over PHP10 million on platforms like Upwork and OnlineJobs.ph. Registered with BIR under the 8% flat tax option.
💼 6+ Years VA Experience
💰 PHP10M+ Earned