Guides for Living
in the Philippines
Everything foreigners need to know about banking, healthcare, housing, and daily life — written by expats, for expats.
Start with the stage you’re at
You do not need to solve everything at once. Sort the decisions that affect your booking first, then work through arrival and everyday life.
1. Before you book
Check entry requirements, choose a city, and budget for the move as well as monthly living. Get an insurance quote before relying on a healthcare allowance.
2. Your first few days
Start with temporary accommodation. Organize connectivity and access to money before choosing a long-term apartment.
3. Settle into a routine
Inspect the property, test your commute, and arrange the services your household needs. Families should contact schools before committing to a neighborhood.
Prefer a task list? Browse all moving checklists, including country-specific departure lists, or build your personal move plan.
Start Here
— The essentials every expat needs
How to Open a Bank Account in the Philippines as a Foreigner
What ID each visa status needs, which banks accept foreigners, and a step-by-step checklist for opening a Philippine bank account. Updated 2026.
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Healthcare and Health Insurance in the Philippines for Expats
Expat medical insurance in the Philippines, compared: PhilHealth, local HMOs and international plans — what to buy first and what each layer covers.
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Finding Housing in the Philippines — Rent Bands & Trial Stays
Compare rent bands by city, then book a 2–4 week Agoda trial stay before you pay 3 months upfront — plus SafetyWing, Wise and budget next steps.
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— Daily life & logistics
Guide
ACR I-Card for Foreigners in the Philippines: Who Needs One
A plain-English guide to the Philippine ACR I-Card: who needs one, the day-59 rule, applying and renewing, BI's posted fees, the Annual Report and leaving.
Read guideGuide
Panglao, Dauis or Tagbilaran for a long stay
A practical comparison of where to live in Bohol for expats and digital nomads.
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Guide
Can Foreigners Buy Property in the Philippines?
What foreigners can legally own in the Philippines: condo caps, land leases, marriage and former-Filipino rules, purchase taxes and fees, and moving the money.
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Guide
Cebu IT Park vs Cebu Business Park
Cebu IT Park vs Business Park for expats — walkability, condos, PRA access, Sugbo Mercado, and which district fits nomads vs retirees.
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Guide
Getting a Philippine Driver's License as a Foreigner
How to convert your foreign driver's license or get a new one in the Philippines — the 120-day rule, LTO requirements, fees, and what the process actually feels like.
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Guide
Dumaguete, Valencia or Dauin: Which Fits Retirement?
Compare Dumaguete city, Valencia in the mountains, and Dauin on the coast — SRRV counts, hospitals, vibe, and who each spot fits.
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Education
Education and Schools in the Philippines
How to compare school places, curricula, full fees, calendars, and homeschooling options before an expat family moves.
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Guide
ECC Exit Clearance: When Foreigners Need It to Leave PH
The Emigration Clearance Certificate explained: who needs it, ECC-A vs ECC-B, timing, and how to avoid getting stopped at the airport.
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Guide
First 90 Days in the Philippines: A Moving Budget
Build a realistic Philippines moving budget for your first 90 days, including housing, deposits, monthly costs, visas, and setup.
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Guide
GCash for Foreigners: GTourist vs Full Verification
What actually works for foreigners on GCash: the 30-day GTourist route, the resident ID list, real wallet limits, and where each path breaks down.
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Internet & Connectivity
Internet in the Philippines
ISP comparison, speeds, reliability, backup options, and how to get connected as an expat.
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Guide
Keeping a US Phone Number Abroad for Bank Verification
How expats in the Philippines keep a US number for bank codes: carrier Wi-Fi calling, Google Voice, NumberBarn, costs, and 2FA backups.
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Guide
Making Friends in the Philippines as a Foreigner
How friendships actually form in Metro Manila, where they happen, and why the first easy connections rarely turn into real barkada.
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Guide
Moving to the Philippines with Pets
How to bring a dog or cat to the Philippines: BAI SPSIC permits, vaccination rules, airline cargo policies, fees, and arrival quarantine.
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Guide
Bringing Prescription Medicine Into the Philippines
What you can legally carry, the 30-day controlled-drug limit, and how to keep a US or UK prescription running once you're based here.
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Guide
Retirement & Pension in the Philippines: Getting Paid, Taxes and How Much You Need
How US Social Security and UK, Australian and Canadian pensions reach the Philippines, how they're taxed, and how much you need to retire here in 2026.
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Guide
Retiring in the Philippines (2026): A Readiness Checklist
A plain checklist for retiring in the Philippines: visa, healthcare, pension income, housing and budget, plus how to test a town before you commit.
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Guide
Safety in the Philippines: What Expats Actually Experience
What the crime data actually says, where risk changes by region, the scams foreigners run into most, and what to do if something happens.
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Guide
SafetyWing in the Philippines: When It Fits (vs World Nomads)
Buy or skip SafetyWing for a Philippines stay: Essential vs Complete, honest World Nomads comparison, island medevac reality — plus trial stay, Wise rails, and budget next steps.
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Guide
Best Way to Send Money to the Philippines (2026 Guide)
Compare Wise, bank wires, and remit apps. Why Wise is my default for Philippines transfers in 2026 — plus FBAR, domestic fees, and the paper trail.
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Guide
Shipping Belongings to the Philippines: Container or Box?
A practical, opinionated comparison of shipping a container, sending balikbayan boxes, or buying new once you land in the Philippines.
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Guide
SIM Cards, Mobile & Internet in the Philippines
How to get a Philippine SIM as a foreigner, register it under RA 11934, pick Globe, Smart, or DITO, and link it to GCash or Maya.
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Business
Starting a Business in the Philippines as a Foreigner
Foreign ownership rules, SEC registration, the 60-40 rule, and practical steps to launch a business.
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Guide
Taxes for Expats in the Philippines
Whether foreign nationals owe Philippine tax, BIR TIN registration, the 180-day rule, current tax brackets, and how US/UK/AU/CA treaties apply.
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Transport
Getting Around the Philippines
Driving, Grab, jeepneys, ferries, and domestic flights — how to get around as an expat.
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Guide
Utilities in the Philippines: Electricity, Water and Internet Setup
A renter's guide to Philippine utilities: who supplies power and water, recent electricity rates, bill deposits, submetered units, brownouts and internet setup.
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Guide
Philippines Visa Run vs Residency (2026): Tourist or SRRV?
Tourist extensions, HK/Singapore/KK visa runs, and when SRRV or 13(a) beats the treadmill — plus insurance, overnight stays, and money rails.
Read guidePlanning Your Move
Ready to compare cities?
Use our city comparison tool to see how different Philippine cities stack up on cost, safety, internet speed, and expat friendliness.