Use an international bank wire transfer from an Indian bank to a Philippine bank account
Use a money transfer service such as Wise, Remitly, Western Union, MoneyGram, or Xoom
Use an authorized dealer bank in India for outward remittance
Use UPI-linked or card-based international transfer services if supported by the provider
Send money to the recipient’s Philippine bank account
Send money for cash pickup at a Philippines payout location
Send money to a Philippine e-wallet if supported by the transfer service
Provide sender KYC documents such as PAN, passport, Aadhaar, and bank details
Provide recipient details such as full name, bank name, account number, and SWIFT/BIC code
Select the transfer amount in INR and the receiving currency in PHP
Check exchange rates and transfer fees before confirming
Verify RBI rules and purpose code requirements for outward remittance
Confirm transfer limits with your bank or transfer provider
Save the transaction reference number after sending
Track the transfer until the recipient receives the funds