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coins.ph review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Coins.ph suits expats and businesses holding peso and overseas balances in one wallet, with currency conversion fees of 0.03% to 0.15% against a site median of 0.5%. Cash-outs go to bank, cash pickup or wallet, and the exchange rate markup is 0%.

Key facts

Best for
Expats and small businesses that need peso payouts at low conversion cost.
Currency conversion fee
0.03% to 0.15%↗
Currencies
from 170↗
Transfer fee
InstaPay PHP 5.00 fixed per order (real-time bank and e-wallet); PESONet PHP 0 for individual accounts, PHP 5.00 for corporate; Cebuana Lhuillier cash pickup PHP 105.00 fixed for amounts up to PHP 10,000 and 1.6% above PHP 10,000↗
Legal entity
Betur Inc and DCPay Philippines Inc↗
Headquarters
Philippines↗
Founded
2014↗
Support channels
Chat, Phone, Help-centre, Community↗
Audience
Expats, Business
Pricing model
Low FX fees
Official website
coins.ph

Money transfer

Exchange rate markup
0%↗
Delivery time
Seconds for wallet to wallet transfers; bank and e-wallet payouts depend on the recipient channel↗
Payout methods
Bank, Cash-pickup, Wallet↗
Fee to send 1,000
₱0 to ₱105↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataXLinkedInappgallery.huawei.com

Pros and cons

Pros

  • Currency conversion fees of 0.03% to 0.15% sit below the site median of 0.5% for everyday accounts.
  • The exchange rate markup is 0%, so the rate quoted is the rate received.
  • Holds from 170, well above the site median of 5.
  • Wallet to wallet transfers settle in seconds, and payouts cover bank, cash pickup and wallet.

Cons

  • Cash pickup is the costliest rail. Transfer fees run PHP 0 to PHP 105 across channels, and the cash pickup provider adds a percentage on larger amounts.
  • Corporate accounts are charged on PESONet where individual accounts pay nothing.
  • Conversion fees scale with the trader tier, so the 0.03% to 0.15% range applies at the higher tiers.
coins.ph

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Scored 9.1 / 10 by VaultCue.

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Who it suits

  • Expats who receive peso income and want other currencies in the same wallet.
  • Businesses paying staff or suppliers through InstaPay or PESONet rails.
  • Recipients who can only collect through a cash pickup point rather than a bank.

Who should look elsewhere

  • PayPal Colombia users, where conversion fees of 3% to 4% run higher than the 0.03% to 0.15% charged here.
  • Skrill users, where the conversion fee is 3.99%.
  • Paysera users, which covers 30.

Fees and FX

Trading costs scale with the trader tier, and currency conversion fees run 0.03% to 0.15%. Cash-out fees vary by rail: InstaPay charges a fixed amount per order for real-time bank and e-wallet payouts, PESONet is free for individual accounts and charged for corporate ones, and Cebuana Lhuillier cash pickup adds a fixed fee plus a percentage on larger amounts.

The company behind it

Coins.ph is run by Betur Inc and DCPay Philippines Inc, headquartered in Philippines and founded in 2014. It holds Bangko Sentral ng Pilipinas virtual currency and electronic money issuer licences. Support runs on chat, phone and help centre, so phone and live chat sit alongside a help centre and a community space.

How coins.ph compares

Where coins.ph is available

Available
Philippines
Licence in Philippines
Bangko Sentral ng Pilipinas (BSP) - Virtual Currency and Electronic Money Issuer licenses, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to convert money?+

Currency conversion fees run 0.03% to 0.15% and scale with the trader tier you sit on, so the upper end is a ceiling rather than a starting point. That sits below the site median of 0.5% for everyday accounts.

What does a cash-out cost?+

Cash-out costs depend on the rail. InstaPay charges a fixed amount per order for real-time bank and e-wallet payouts, PESONet is free for individual accounts and charged for corporate ones, and Cebuana Lhuillier cash pickup adds a fixed fee plus a percentage on larger amounts. Fees across channels run PHP 0 to PHP 105.

Is Coins.ph regulated?+

Coins.ph holds Bangko Sentral ng Pilipinas virtual currency and electronic money issuer licences in Philippines. The service runs through Betur Inc and DCPay Philippines Inc, a company founded in 2014, and those licences cover the virtual currency and electronic money side of the business.

How fast do transfers arrive?+

Wallet to wallet transfers land in seconds, while bank and e-wallet payouts take whatever time the recipient channel allows. Payouts cover bank, cash pickup and wallet, so a recipient without a usable bank account can still collect through a cash pickup point.

How many currencies can I hold?+

Coins.ph supports from 170, well above the 5 median recorded across the site, and the brand is built around cheap conversion with fees of 0.03% to 0.15% and a 0% exchange rate markup. Paysera, by comparison, covers 30.

Can a business use Coins.ph?+

Business sits alongside expats in the expats and business list, so the service is aimed at business users as much as at expats. Corporate accounts are treated differently from individual ones on PESONet, where individual payouts pay nothing and corporate payouts are charged a fixed amount.

How do I get help?+

Support runs on chat, phone and help centre. That means phone and live chat sit alongside a help centre for written questions and a community space. Cash-out charges differ by rail, so it helps to know the rail you need before requesting a payout.

How do the costs compare with business accounts on the site?+

Business accounts across the site carry a median monthly fee of €0 and a median conversion fee of 1%. Coins.ph conversion fees of 0.03% to 0.15% sit at the cheaper end of that field, and payouts reach bank, cash pickup and wallet.

Sources

  • coins.ph checked September 26, 2026

    Backs: Audience, Currencies, Delivery time, Exchange rate markup, Legal entity, Pricing model

    “Filipinos abroad can use Coins.ph to send money home ... Coins Business: In-store QR Ph, WebPay - accept payments on your app and website”

  • support.coins.ph/hc/en-us/articles/11620285112217-How-are... checked September 26, 2026

    Backs: Currency conversion fee

    “Two types of fees: maker (0.03%-0.10%) and taker (0.05%-0.15%) ... Trader Tier 0 maker 0.10% taker 0.15%”

  • support.coins.ph/hc/en-us/articles/201919230-What-fees-ar... checked September 26, 2026

    Backs: Payout methods, Transfer fee, Fee to send 1,000

    “InstaPay (Real-time Bank & E-Wallet) ... PESONet (Bank Clearing) ... Remittance Centers (Cebuana Lhuillier) ... send funds to an e-wallet (like GCash or Maya) or bank”

  • support.coins.ph/hc/en-us/search checked September 26, 2026

    Backs: Support channels

    “Talk to support ... Chat with us ... Submit a request ... Reach out to us 7am - 9pm, Mondays to Sundays Globe | +63 9171186340 ... Discord (discord.gg/coinsph)”

  • bsp.gov.ph checked September 26, 2026

    Backs: Licences

  • coins.ph/en-ph/about checked September 26, 2026

    Backs: Founded, Headquarters

    “Launched in 2014, Coins.ph is the most established crypto brand in The Philippines ... Year founded Jan, 2014”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Licence type, Deposit protection.

coins.ph

coins.ph

Expats and small businesses that need peso payouts at low conversion cost.

9.1/10See alternatives