The currency is the Philippine peso (PHP, written ₱). Cards work in hotels, malls and many restaurants, but cash is still essential on the islands. Here is how to handle money without surprises.
Cash and ATMs
ATMs are easy to find in cities and larger towns, and most accept foreign cards. Local banks usually charge a fee per withdrawal on foreign cards (often around ₱250, on top of your own bank's charges), and withdrawal limits per transaction are fairly low. Take out larger amounts less often to reduce fees.
On small islands and remote beaches, ATMs may be few, out of cash or offline. Before heading somewhere remote, withdraw what you need in the last big town.
Cards
Visa and Mastercard are accepted at most hotels, larger restaurants, malls and airlines. Small restaurants, markets, tricycles and boat crews usually want cash. Some places add a surcharge for card payments. Tell your bank you are travelling and carry two cards in case one is blocked.
Exchanging money
Bring a few clean, undamaged euro or US dollar notes as a backup. Licensed money changers in malls and city centres usually give better rates than airports and hotels. Count your money at the counter and keep the receipt.
Digital wallets
GCash and Maya are widely used by Filipinos, including in small shops, but setting them up usually requires a local number and verification. Most visitors manage with cash and cards.
Tipping
Tipping is appreciated but not compulsory. Many restaurants add a 10% service charge; if they do not, leaving around 10% is generous. For guides, drivers and boat crews, a tip at the end of a good day is welcome. We can suggest amounts before you travel.
Small notes matter
Keep small notes (₱20, ₱50, ₱100) for tricycles, snacks, fees and tips. Large notes can be hard to break in small places.
A simple plan
Arrive with a card and a little cash in euros or dollars, withdraw pesos at the airport or in town, carry enough cash for each island, and pay hotels and big bills by card.
