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Looking for the best cryptocurrency wallet in the Philippines? Coins.ph is your all-in-one solution!
Secure
Bank-grade encryption and cold storage protect your crypto 24/7.
Fast
Buy crypto instantly with PHP cash ins from e-Wallets and banks.
Affordable
Enjoy low trading fees and competitive buy & sell rates.
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Trusted by over 18 million Filipinos since 2014.
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Coins.ph operates under strict oversight by the Bangko Sentral ng Pilipinas (BSP), ensuring full regulatory compliance and transparency for every transaction. Your funds are always safe.
Multiple Assets Supported
Diversify your portfolio with 170+ cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), and stablecoins like USDC and PHPC.Trade or hold assets effortlessly.
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Level up with real-time charts,limit orders, and price alerts - or instantly convert PHP and crypto in just a few taps. Trade the way you prefer, no complexity needed.
Your All-in-One Wallet
Designed for Filipinos on the go: seamlessly manage crypto, pay 120+ bills (utilities, internet), send money, and buy load, all from your mobile wallet.
Get Started with Coins.ph
Wondering how to buy Bitcoin in the Philippines? Here's how Coins.ph makes it effortless:
1
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Create your free Coins account by entering your email address or mobile number, and a strong Password/MPIN. Complete our quick and secure Know-Your-Customer verification to unlock all features and keep your assets safe.
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Trade WEMIX. Climb & Win
Trade WEMIX. Win WEMIX. Compete for top ranks and raffle prizes in the WEMIX Trading Competition! With a ₱150,000 prize pool in WEMIX, both high‑volume traders and lucky raffle winners will be rewarded. 🚀 How to Join Step 1: Trade WEMIX: Buy or sell WEMIX on Coins Convert or Spot during the promo period. Step 2: Qualify: Reach at least 150 WEMIX total trading volume to earn your first raffle entry. Every additional 150 WEMIX traded = 1 more entry, up to a maximum of 3 raffle entries per participant. Step 3: Win Your Share: Top traders will be ranked by trading volume, while additional winners will be drawn randomly via raffle. Promo Duration: May 7, 2026 to June 4, 2026 🏆 Reward Distribution Top 5 Guaranteed Prizes (₱30,000 total): Rank Reward (₱ worth of WEMIX) 1st Place ₱10,000 2nd Place ₱7,000 3rd Place ₱5,000 4th Place ₱4,000 5th Place ₱3,000 Raffle Prizes (₱120,000 total): Category Winners Reward per Winner (₱ worth of WEMIX) Major Raffle 20 ₱2,000 each Minor Raffle 45 ₱1,000 each Participation Raffle 60 ₱600 each Terms & Conditions * The Program is open to individuals aged 18 or older with a KYC account that is Identity Verified. * Both buy and sell transactions on Coins Convert or Spot of the eligible token(s) will be tallied. * Rewards will be disbursed to users’ accounts and are non‑transferable and must be accepted as awarded. * Winners will be notified via email within ten (10) working days after the end of the promo period. * Rewards will be credited to the winners’ Coins.ph wallet within fifteen (15) working days after the end of the promo period. * Top Trader winners (ranked prizes) are not eligible to win raffle rewards. * Corporate, institutional, and KYB accounts are not eligible to participate unless otherwise stated. * Wash trading, self‑trading, or any form of market manipulation is strictly prohibited. Coins.ph reserves the right to disqualify any participant engaging in abusive or fraudulent activity. * Any disputes concerning the conduct of this Promotion will be resolved by Coins.ph at its sole discretion. * By participating in this Promotion, participants agree to abide by these Terms and Conditions. * Coins.ph reserves the right to amend these Terms and Conditions, including but not limited to the eligibility criteria, program period, and reward distribution, at its sole discretion.
Beat the Heat and Win Big with #CoinsSummerScanToWin!
Summer in the Philippines just got more exciting with Coins.ph's Summer Scan To Win Promo! Pay for your coffee, groceries, and everything under the sun using the newly launched QRPH Crypto Payment Feature. How to Join: Scan, Pay, and Win! We’ve kept it simple so you can get back to your summer fun. We are giving away ₱1,000 in USDT to 20 lucky winners. Here is your roadmap to winning: 1. Spend Small, Win Big: Complete a QRPh transaction using your Coins.ph app. Ensure you select USDT as your payment method and spend at least ₱200. 2. Flex Your Transaction: Take a screenshot of your successful payment and post it on Facebook using the hashtag #CoinsSummerScanToWin. 3. Seal the Deal on Gleam: To make your entry official, head over to our Gleam Link and complete these quick tasks: * Drop your Coins UID. * Upload a screenshot of your Facebook post * Follow Coins.ph on Facebook, Instagram, X (Twitter), and TikTok. The Prize At the end of the month, we will randomly select 20 winners to receive ₱1,000 worth of USDT credited directly to their Coins.ph wallets. Important Dates to Remember * Promo Period: May 5 to May 31, 2026. * Eligibility: Only USDT payments via QRPh made within these dates qualify. * Awarding: Credits will be send 10-15 days after the promo ends Real-World Utility, Real Rewards At Coins.ph, we’re on a mission to move crypto beyond the charts and into your pockets. Whether you’re a seasoned trader or a crypto-curious beginner, this is the perfect time to experience how easy it is to use stablecoins for everyday purchases. So, the next time you see a QRPh code at the counter, don't just reach for your cash. Scan with Coins, pay with USDT, and you might just find an extra ₱1,000 in your wallet. Stay cool and happy scanning! Disclaimer * Only QRPh transactions made from May 5 to May 31, 2026 using stablecoins (USDT) via the Coins.ph app will be eligible for the promo. * Transactions made before or after the promo period will not be counted. * Participants must complete all required steps, including the Gleam tasks and screenshot submission, to qualify for the raffle.
Battle of the Apps: Ranking the Top E-Wallets in the Philippines
Choosing the right wallet no longer means picking the right material, color, or number of card slots. In today’s digital economy, the modern wallet lives inside a smartphone. With dozens of platforms available, users must navigate a wide range of options, from widely used e-wallets such as GCash and Maya to platforms like Coins.ph, which stands out for its integration of cryptocurrency and digital payments. The choice now lies with Filipino users, who must determine which platform best meets their needs. What was once a simple accessory has evolved into an essential financial tool, designed not only to store money but also to move it efficiently, enabling users to pay bills, transfer funds, shop online, and scan QR codes for everyday purchases using just one e-wallet. The Philippine Context: E-Wallet Adoption and How It’s Growing In the Philippines, where nearly 49.8% of Filipino adults remained unbanked, e-wallet adoption is rapidly gaining momentum and is expected to continue growing in the coming years. Efforts by the Bangko Sentral ng Pilipinas to expand digital payments—particularly through the widespread use of QR Ph—have helped accelerate this shift. By 2025, the number of registered e-wallet accounts had increased significantly compared to previous years, reflecting the rising demand for accessible financial services. This growth has been further supported by the increasing adoption of cashless payments among merchants, from small businesses to large retailers. In 2024, digital retail payments accounted for 57% of transaction volume and 59% of total retail transaction value, highlighting the country’s steady transition toward a cashless economy. Despite this progress, challenges remain, including financial literacy gaps, security concerns, and lower adoption rates among rural communities and older populations. To better understand their differences and determine which platforms best fits your needs, here’s an overview of the top e-wallets in the Philippines: Comparing Features and Services of Top E-Wallets Coins.ph With millions of registered users in the Philippines, Coins.ph stands out for integrating cryptocurrency services with everyday financial transactions. Starting April 20, it became the first and only e-wallet in the Philippines that allows direct crypto payments using QRPH. This groundbreaking feature allows users to make purchases and payments directly using stablecoins namely, USDT and USDC, with more tokens on the way. This first-of-its-kind payment feature is in addition to standard features such as money transfers, bill payments, and mobile load purchases, positioning it as a powerful e-wallet with a true crypto-fiat versatility. Coins is particularly popular among freelancers and Overseas Filipino Workers, as it offers relatively low transfer costs and near-instant settlement for remittances processed through stablecoin rails. Coins.ph also supports both PESONet and InstaPay, and is known for its lower InstaPay transfers which are typically around ₱10 when sending to over 120 banks or other e-wallets. Coins.ph is an app suitable for users interested in trading who also need to manage payments, as it uniquely integrates crypto wallets, fiat-to-crypto conversion, and cross-border transactions with reduced intermediaries. The platform also features crypto-to-PHP conversions, enabling users to withdraw digital assets into local currency. GCash GCash is the largest e-wallet in the Philippines, with around 94 million registered users as of 2025, and has a high level of merchant acceptance. It offers a range of services including savings, microloans, insurance, and investment options. It supports both PESONet and InstaPay, allowing users to transfer funds conveniently across banks and e-wallets. Transfers between GCash users are free, while transfers to other banks and e-wallets via InstaPay typically incur a fee of ₱15. Cash-in transactions are often free, although fees may apply depending on the source bank or channel used. Cash-out fees are commonly around 2% of the withdrawn amount, while ATM withdrawals typically incur a fixed fee of ₱18. Maya Maya, formerly known as PayMaya, has over 20 million users and is recognized for combining e-wallet functionality with digital banking services such as interest-earning savings, credit, and investments. It also offers credit card options that allow users to earn rewards, including miles for travel-related spending. The card can be managed directly within the Maya app, where users can track transactions, monitor spending, and adjust security settings. The platform integrates standard payment features and banking features. It supports both PESONet and InstaPay, with InstaPay transfers to banks and other e-wallets typically costing ₱15 per transaction. Cash-in fees are generally determined by the sending institution, while cash-outs via partner banks usually range from ₱10 to ₱18. GoTyme GoTyme is a newer digital bank with over 3 million users as of 2024, recognized for its savings-focused features and accessible cash-in options through retail partners. It combines e-wallet functionality with banking services, offering insured savings accounts, budgeting tools, and a structured approach to managing personal finances. The app is also known for its intuitive and user-friendly interface, with key features readily accessible upon opening. GoTyme supports both PESONet and InstaPay for fund transfers, offering up to 20 free InstaPay transactions per month for transfers of up to ₱50,000. Beyond this limit, a fee of ₱9 per transaction is applied, making it one of the more cost-efficient options for frequent transfers. GrabPay GrabPay is widely used within the Grab ecosystem and is primarily known for enabling seamless payments for ride-hailing, food delivery, and partner merchants. While its broader financial services are more limited compared to other e-wallets, it provides a highly convenient payment method for users already engaged with the platform, along with access to selected services such as insurance. Transactions within GrabPay are often free, particularly for in-app payments. The app supports both PESONet and InstaPay, with InstaPay transfers to banks and other e-wallets typically incurring a fee of ₱15. Its strength lies in its tight integration with everyday services, making it a practical option for frequent Grab users. ShopeePay Although closely integrated with the Shopee platform and is known for its strong e-commerce integration and frequent cashback and voucher incentives. It supports QR payments, bank transfers, and bill payments, but its primary use remains within the Shopee ecosystem, making it particularly useful for frequent online shoppers. The app supports both PESONet and InstaPay. Transfers to other e-wallets and banks via InstaPay typically cost ₱15 per transaction, with similar fees applied to cash-out services. While its financial features are more limited compared to other platforms, ShopeePay remains competitive through its rewards-driven ecosystem. Lazada Wallet Lazada Wallet is an in-app e-wallet primarily used within Lazada and is known for supporting buy-now-pay-later transactions and offering shopping-related rewards. It is commonly used for paying bills, purchasing mobile load, and completing transactions within the platform, providing convenience for users already active in the Lazada ecosystem. The app supports both PESONet and InstaPay. Transfers to other e-wallets and banks typically incur a relatively a fee of around ₱15, making it one of the more affordable options for occasional fund transfers. However, its functionality remains largely centered around the Lazada ecosystem. Final Verdict Ultimately, choosing the right e-wallet depends on how users intend to manage and use their money. Platforms like GCash and Maya offer the most comprehensive range of services, making them suitable for everyday transactions and broader financial needs. Meanwhile, Coins.ph emerges as a powerful e-wallet that combines the functionality of e-wallet with that of a digital asset exchange, making it easier for users who engage in crypto-trading and to overseas Filipinos and gig-workers that use stablecoin-powered remittances. On the other hand, ecosystem-based wallets like GrabPay, ShopeePay, and Lazada Wallet prioritize convenience within their respective platforms, offering seamless payments and rewards for frequent users. Newer entrants such as GoTyme, meanwhile, highlight the growing shift toward integrating digital banking with e-wallet functionality. As e-wallet adoption continues to expand in the Philippines, no single platform can fully meet every need. Instead, the best choice depends on a user’s priorities—whether it is accessibility, cost-efficiency, financial services, or ecosystem integration. Understanding these differences allows users to make more informed decisions in an increasingly digital financial landscape.
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