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Monthly hostel fees, living expenses — how parents send money reliably.
Parents can send money to their children in Philippines via Wise (best exchange rate, low fees), Western Union (fast, reliable), bank wire transfer (for large tuition amounts), or by loading a forex card before travel. Wise is recommended for monthly hostel fee transfers.
| Method | Best For | Exchange Rate | Transfer Time | Fee |
|---|---|---|---|---|
| Wise (formerly TransferWise) | Monthly hostel fees (₹20,000-25,000) | Mid-market rate ✅ | 1-2 days | Low (0.5-1%) |
| Western Union | Emergency transfers | Slightly lower | Same day or next day | Medium |
| Bank Wire (SWIFT) | Large tuition payments | Bank rate (varies) | 2-5 days | ₹500-2,000 fixed |
| Forex Card (before travel) | First month expenses | Pre-loaded rate | Instant on card | 1-2% loading fee |
| Remitly / InstaReM | Monthly transfers | Good rates | 1-2 days | Low |
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