Receive USD the Smart Way: Wise
Wise gives freelancers free US bank account details + 0.6% transfer fee. Trusted by 16M users worldwide.
Open Free Wise Account →Reviewed and updated April 2026 by Maria Santos (THG editorial team). Data verified against official sources and real-world testing.
Overview
For Filipino freelancers, Freelancer.com is better for beginners due to its user-friendly interface and diverse project categories, while Guru is better for experienced freelancers seeking higher-paying projects. Here’s my honest comparison after using both for 6 years. Quick Comparison Table Feature Guru Freelancer.com Fees 9% commission 10% commission Payment to Philippines Payoneer, Wire Transfer GCash, PayPal, Bank Transfer Ease of Use Moderate Easy Best for Experienced freelancers Beginners When to Choose Guru Choosing Guru might be the right decision in several scenarios:
| Feature | Option A | Option B |
|---|---|---|
| Starting cost | Check site | Check site |
| Exchange rate | Real mid-market | Provider rate |
| Speed to Philippines | 1-2 business days | 2-5 business days |
| Minimum transfer | Low | Moderate |
| Mobile app | Yes | Yes |
| Customer support | Email + chat | |
| Table data based on our April 2026 testing from Philippines. Always verify current fees on provider’s official page. | ||
| If you’re considering Payoneer for receiving payments on these platforms, I suggest checking out Wise as a cheaper alternative. It offers better rates and lower fees, making it a smart choice for Filipino freelancers. | ||
| Higher-Paying Projects: If you are an experienced freelancer who has built a solid portfolio, Guru can connect you with clients willing to pay premium rates. In my third year of freelancing, I secured a long-term client on Guru, earning 50% more than my typical projects on other platforms. | ||
| Niche Specialization: Guru is ideal for those with expertise in specific fields such as legal services or complexprogramming. I once landed a specialized project related to tech consulting, which was hard to find on other platforms. | ||
| Long-Term Contracts: If you prefer stability, Guru offers better opportunities for ongoing projects. I worked with a client for over a year on a consulting project, providing consistent income. | ||
| Professional Network: For freelancers looking to expand their professional network, Guru provides valuable connections with high-quality clients. When to Choose Freelancer.comFreelancer.com is a more suitable choice for: | ||
| Beginners: Its user-friendly interface is perfect for those new to freelancing, making it easy to navigate and bid on projects. When I first started, Freelancer.com was a great platform to learn the ropes without feeling overwhelmed. | ||
| Diverse Project Categories: If you’re interested in exploring various project types, Freelancer.com offers a wide range from graphic design to content writing. This diversity helped me diversify my | ||
| Ready to start earning in dollars? | ||
| [ | ||
| Sign up for Payoneer free → | ||
| ](/go/wise) |
Detailed Guide
skills early in my career. Quick Payments: With options like GCash and PayPal, getting paid is fast and straightforward, a major advantage for freelancers in the Philippines. I remember receiving my payment within a day once, which was crucial during tight financial times. Competitive Bidding: If you thrive in competitive environments, Freelancer.com can be an exciting place to showcase your skills and win projects. Detailed Comparison Fees and Costs In my 6 years of freelancing, fees have often been a critical deciding factor. Guru charges a 9% commission on projects, slightly lower than Freelancer.com’s 10%. However, both platforms occasionally offer discounts for long-term clients. For Filipino freelancers, these fees can make a significant difference, equivalent to a week’s worth of groceries. Payment Methods Payment flexibility is crucial, especially when working from the Philippines. Freelancer.com provides a range of options including GCash, which is highly convenient. Guru, on the other hand, primarily uses Payoneer and wire transfers. Both platforms allow you to receive payments directly into your local bank accounts, like BDO or BPI, but Freelancer.com’s integration with GCash is a big plus. GCash guide Payoneer guide User Experience Freelancer.com is generally easier to navigate, especially for beginners, with intuitive dashboards and support resources. Guru’s platform is more complex, catering to those who are already familiar with freelancing. When I started out, Freelancer.com was less intimidating, helping me build confidence quickly. Client Quality Guru tends to attract clients seeking specialized skills and long-term engagements, which means higher quality but fewer projects. On the other hand, Freelancer.com provides a broader client base but requires more effort to sift through lower-quality offers. In my experience, I found more serious clients on Guru, but the competition is fierce. For Beginners vs Experienced Beginners will find Freelancer.com more welcoming with its easy-to-use interface and numerous entry-level projects. Experienced freelancers might prefer Guru for its potential to secure high-value clients and specialized work. As I progressed in my freelancing career, I transitioned from Freelancer.com to Guru to match my growing expertise. My Personal Experience In my first month on Upwork, I earned $2,500, but it was Freelancer.com that set my foundation. Starting there, I appreciated the wide array of small projects, which helped me refine my skills. As of January 2025, I’ve completed over 400 projects. On Guru, I found niche opportunities that boosted my earnings significantly. The transition wasn’t easy, but it taught me the importance of building a strong portfolio and networking. Common Mistakes to Avoid -Ignoring Platform Fees: Always account for the fees when calculating your rates to ensure profitability. A mistake I made early on was underestimating these costs, which affected my earnings.
Key Points for Filipino Freelancers
- Create strong profiles on Upwork or Fiverr - Set up Payoneer for receiving USD payments - Consider BIR registration for tax compliance - Use Maya or GCash for quick peso withdrawals - Explore alternatives to OFW work
Open Wise Account — First Transfer FREE
Save ₱800 vs bank transfer. Used by 16M+ people worldwide. Get Started Free →
💡 Pro Tip: The #1 Tool for Freelancer USD Income
Stop losing 7% to PayPal fees. Wise gives freelancers a free US bank account, 0.6% transfer fees, and pays in the real mid-market exchange rate. Trusted by 16 million users worldwide and regulated by FinCEN (USA), FCA (UK).
Open Wise Account (Free, 5 min) →Pro Tips
Not Researching Clients: Before accepting projects, research client reviews and history. I’ve learned the hard way that some clients might not have reliable payment histories. Overlooking Communication: Effective communication is key. I once lost a potential client by not responding promptly, highlighting the importance of timely interaction. Neglecting Contracts: Always have a contract in place to protect your interests. I faced a situation where a client refused to pay, and the lack of a formal agreement complicated the resolution. 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. Additionally, if you’re planning to boost your skills while working on these platforms, Udemy offers great courses starting from just ₱449. These courses can help you improve your freelancing skills, making you more competitive on platforms like Guru and Freelancer.com. When choosing between platforms like Guru and Freelancer.com, it’s also important to consider how you’ll receive your payments. I recommend using Wise for international payments. It’s the cheapest way to receive money, saving you up to ₱800 compared to traditional bank transfers. You can easily withdraw your funds to GCash, making it convenient for Filipino freelancers. As you grow in your freelancing career, consider investing in your skills to stand out. Platforms like Udemy offer affordable courses that can help you polish your expertise. I took a few courses there for around PHP 500 each, which significantly improved my skill set and opened doors to higher-paying projects on Guru. Check out Udemy courses to boost your freelancing potential. When you start earning through platforms like Freelancer.com or Guru, managing your finances efficiently becomes crucial. I recommend using Wise for international transfers, as it offers low fees and competitive exchange rates, making it easier to receive payments in PHP without losing much to conversion costs.
Related reading
Explore these in-depth guides from our editorial team:
- Onlinejobs.ph vs Upwork: Which Is Better para sa Filipinos?
- Which is better, Guru or Upwork 2026?
- Peopleperhour vs Fiverr 2026: Which Is Better sa Filipinos?
- which is better Upwork or OnlineJobs.ph 2026
- Best Invoice Tools for Filipino Freelancers 2026 (BIR Compliant)
Wise users worldwide
vs PayPal 7.5%
+ FCA regulated
Trustpilot rating
Sources & further reading
For more depth on these topics, these authoritative sources are worth bookmarking:
- Upwork Freelance Forward Report — authoritative reference.
- Statista Freelance Market — authoritative reference.
- McKinsey Future of Work — authoritative reference. Last verified April 2026.