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Reviewed and updated April 2026 by Maria Santos (THG editorial team). Data verified against official sources and real-world testing.
Pangkalahatang-Ideya
Ang pag-transfer ng pera mula Remitly papunta sa UnionBank sa Pilipinas ay simple at mabilis. Ang mga fees ay nagsisimula sa $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. Instead of using Payoneer, consider Wise, which can save you ₱800 on fees compared to traditional bank transfers, making it a more cost-effective option for receiving international payments. Quick FactsAspect:DetailsFees:$3.99 and upProcessing Time:Up to 24 hoursMinimum 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 para sa isang verification link at i-click ito para i-activate ang iyong 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 nagsisimula sa $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 Gamitin: ang Pinaka-popular na banks Handa ka na bang kumita ng dolyar? Mag-sign up sa Payoneer libre →
Detalyadong Gabay
Sa Pilipinas para sa mga 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.
Mahahalagang Puntos para sa Filipino Freelancers
- Gumawa ng matibay na profile sa Upwork or Fiverr - I-setup ang Payoneer para tumanggap ng USD payments - Isaalang-alang ang BIR registration para sa tax compliance - Gamitin ang Maya o GCash para sa mabilis na peso withdrawals - Tuklasin ang mga alternatibo sa OFW work
Buksan ang Wise Account — First Transfer FREE
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Mga Tip
Tip: Karamihan ng matagumpay na Filipino freelancers ay gumagamit ng Payoneer para tumanggap ng payments at nagta-transfer sa Maya o GCash para sa mabilis na access sa kanilang kita sa Philippine Peso. If you’re looking for a cheaper way to transfer funds without worrying about high fees, I highly recommend Wise — Save ₱800 vs Bank Transfer Fees. This platform offers more competitive rates and faster transfer times, ensuring that you get more of your hard-earned money without unnecessary costs. While Remitly may be convenient, it’s essential to consider alternatives that can save you money on fees. For instance, using Wise for International Payments — Save ₱800 on fees compared to traditional methods like bank transfers. With Wise, you can receive payments at a lower cost, making it a great choice for freelancers like us who want to maximize our earnings. Security is another important factor to consider when handling online transactions. For peace of mind, consider using a reliable VPN service like NordVPN. It helps protect your data while you’re working remotely or transferring funds. A safe online environment ensures that your financial transactions, like those with Remitly, are secure. Check out NordVPN to enhance your online security. As a freelancer, managing your earnings efficiently is crucial. I recommend using Wise for international transfers. They offer low fees and great exchange rates, which means you can save more of your hard-earned money when sending it to your UnionBank account.
Related reading
Explore these in-depth guides from our editorial team:
- Kumita ng Pera sa 2026: Trabaho sa Bahay para sa Pamilyang Pilipino
- GCash to Metrobank paano 2026
- Mga Home Based Business 2026 para sa mga Pilipinong Freelancer
- Maya vs Gcash for Filipinos 2026
- GCash o Maya 2026
Sources & further reading
For more depth on these topics, these authoritative sources are worth bookmarking:
- HBR Remote Work Research — authoritative reference.
- World Bank Digital Development — authoritative reference.
- MIT Technology Review — authoritative reference. Last verified April 2026.