Working with international clients can open valuable opportunities for growth. For many freelancers in the Philippines, the UK is an attractive market for remote work. Whether you are a virtual assistant, graphic designer, or software developer, securing a UK client can be a meaningful step forward in your freelance career.
Once the project is complete and the invoice is sent, the next step is receiving payment. International transfers often involve multiple banks, currency conversion, and potential fees. Understanding how these processes work can help you choose the most suitable way to receive your earnings.
This guide outlines common payment methods and explains how cross-border transfers typically work, so you can select the option that best fits your workflow.
Understanding International Transfers
When someone in the UK sends money to the Philippines, the transfer may pass through several banks before reaching your account.
Exchange Rates
The exchange rate determines how many Philippine pesos (PHP) you receive for each British pound (GBP). Rates fluctuate based on global market conditions. Reviewing the exchange rate before confirming a transaction helps you estimate the final amount you will receive.
Transfer Fees
International transfers may involve fees charged to the sender, the receiver, or both, depending on the arrangement. In some cases, intermediary banks deduct additional fees during processing. Clarifying in your contract who will cover transfer fees can help prevent misunderstandings.
Transfer Speed
Delivery times vary depending on the payment method, the banks involved, and compliance checks. Some transfers may take several business days. Checking estimated processing times in advance can help you plan your cash flow.
Common Payment Methods
| Payment Method | Pros | Considerations |
| Bank-to-Bank Transfers |
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| Digital Money Transfer Services |
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Remitly for Freelancers
Remitly for Freelancers is designed for freelancers, contractors, and remote workers who receive payments from international clients.
The service allows freelancers to create payment requests and receive funds into a USD wallet within the Remitly platform.
How It Works
- Create a Request: The freelancer generates a payment request on the Remitly platform and shares the link with the client.
- Client Completes Payment: The client completes the payment using the secure link provided.
- Receive Funds: Once processed, the payment is credited to the freelancer’s USD wallet.
- Manage Funds: The freelancer can choose when to convert or withdraw funds in their local currency via bank transfer, cash pickup, mobile wallet or home delivery,
USD Wallet Functionality
GPB Payments received through a Remitly freelancer account are credited to a USD wallet, with more multicurrency options coming soon. This allows freelancers to hold funds in U.S. dollars and decide when to convert them to Philippine pesos, depending on their financial preferences.
Applicable fees and exchange rates are displayed on the platform before confirming a withdrawal or currency conversion.
Availability, features, and supported payment corridors may vary.
Tips for a Smooth Payment Experience
Agree on Terms Upfront
Before starting a project, discuss payment terms with your client. Confirm the agreed currency, payment method, timeline, and responsibility for transfer fees. Clear communication at the beginning reduces the risk of misunderstandings later.
Invoice Clearly
Include complete and accurate details in your invoice, such as:
- Your full name
- Contact information
- A description of the services provided
- The total amount due
- Payment instructions
If you are using a payment request link, include it directly in your invoice or accompanying message.
Prioritize Account Security
When sharing financial information, use trusted platforms. Keep your login credentials private and enable available security features. While financial providers implement protective measures, maintaining strong personal security practices is equally important.
Frequently Asked Questions (FAQs)
Do I need a UK bank account to receive payments from UK clients?
No. There are multiple ways to receive funds in the Philippines without opening a UK bank account.
Can I keep my earnings in U.S. dollars?
Some services allow you to receive and hold funds in USD. Remitly for Freelancers offers a USD wallet feature, enabling you to receive UK/GBP payments into USD that you can hold in your Remitly wallet before converting or withdrawing the funds
How do I review exchange rates?
Exchange rates are applied at the time of currency conversion and may vary depending on the provider. Reviewing the displayed rate before confirming a transaction helps you understand how much you will receive.
Is it safe to receive money online?
Licensed banks and regulated financial service providers implement security measures to protect user information. Always use reputable services and follow strong security practices.
Who pays the transfer fees?
Responsibility for transfer fees depends on your agreement with your client and the policies of the selected provider.
Take Control of Your Freelance Finances
Working with UK clients from the Philippines can expand your professional opportunities. By understanding how international payments work, you can select a method that aligns with your business needs.
Whether you use traditional bank transfers or a platform such as Remitly for Freelancers, reviewing fees, exchange rates, and processing times before confirming a transaction can help you manage your freelance income more effectively.