What did the rate actually cost you?
Nobody notices a bad exchange rate on a single transfer. The fee is visible and small; the margin buried in the rate is invisible and usually larger. It only becomes obvious across a year — and by then the money is gone.
Log what you send and what actually lands in the account back home. After a few months this shows the spread between your best rate and your worst, and what that gap has cost the family in pesos. It stays in your browser; nothing is sent anywhere.
Ask whoever receives it what actually landed in the account — that figure, not the quoted rate, is the one that matters. Saved in this browser only.
The log lives in this browser, so clearing your browsing data erases it. Save a copy now and again — the file stays on your computer, opens in Excel or Google Sheets, and loads straight back in here on a new phone or laptop. Re-loading the same file twice will not duplicate anything.
Rates are compared against the best you yourself achieved, not against a historical mid-market rate — we don't hold the rate for the day you sent, and guessing it would invent a number. For reference, the mid-market rate was about ₱62.6/$ on 2026-09-04; a transfer far below that is losing money in the exchange rate rather than the fee.
Before the next transfer
The log tells you what happened. To decide what to do next time, the remittance comparator works out who delivers the most pesos today once the hidden exchange-rate margin is counted, and Peso Watch shows whether the peso itself is having a good week — plus what those pesos actually buy once Philippine inflation is taken into account.
If the money is going toward a parent's care or a relative's business, two harder conversations sit underneath the transfers: supporting family without burning out, and what to agree before sending capital.