Country Guide for the Philippines

ExpatInsure has teamed up with specialists from around the world to provide you with information on what you need to thrive in your new Expat location. Keep visiting these guides as they get updated on a regular basis.

Country Facts for the Philippines

The Philippines, located in Southeast Asia, is an archipelago comprising over 7,000 islands, divided into three main regions: Luzon, Visayas, and Mindanao. It has a diverse topography, featuring mountains, beaches, and coastal plains. The country experiences a tropical maritime climate, with a wet season from June to November and a dry season from December to May.

  • Population and Demographics

    Population: The Philippines is one of the most populous countries in the world, with a population exceeding 110 million people. A significant portion of the population resides in urban centers, with the largest cities being Quezon City, Manila, and Davao City.

    Capital City: Manila, the capital, stands as a vibrant metropolis rich in history and culture, known for its historic sites such as Intramuros, Rizal Park, and numerous world-class museums and churches.

    Geography

    Total Area: The Philippines covers a total area of approximately 300,000 square kilometers (115,831 square miles), making it the 72nd largest country in the world by land area.

How to Get to the Philippines


Air travel is the most common method for expatriates moving to the Philippines. Major international airports such as Ninoy Aquino International Airport (MNL) in Manila, Mactan-Cebu International Airport (CEB) in Cebu, and Clark International Airport (CRK) in Pampanga offer numerous flights from destinations worldwide.

  • While the Philippines is an archipelago, making overland travel between islands less common, domestic ferries and inter-island flights are widely used for travel within the country. For visitors from neighboring countries, especially Southeast Asia, ferry services offer a practical choice for island hopping.

    The Philippines also boasts an extensive coastline along the Pacific Ocean, the South China Sea, and the Celebes Sea, making it a prominent maritime destination. The country welcomes numerous visitors annually via cruise liners and private yachts, particularly to ports like Manila, Cebu, and Davao. These ports are equipped with modern facilities to accommodate the influx of maritime travelers, making sea travel a popular choice for tourists and expatriates alike.

Financial Services in the Philippines

For expats looking to make the most of their time in the Philippines, understanding the financial landscape is essential. From setting up a bank account with leading Philippine banks such as BDO Unibank and Bank of the Philippine Islands (BPI) to navigating the country's tax system, it’s important to become familiar with the financial services available.

  • Opening a Bank Account in the Philippines

    Opening a bank account is a key step for expats in the Philippines, making it easier to manage daily finances, receive salaries, and pay bills. The Philippines offers a wide range of banking options, including traditional banks and digital banking services, providing convenience and accessibility for expats.

    Understanding the Philippine Tax System

    The Philippine tax system includes income tax, value-added tax (VAT), and other local taxes. The country operates a progressive income tax system, where tax rates increase with higher income levels.

    Expats must understand their tax obligations, including filing requirements and potential deductions, to ensure compliance and optimize their financial standing while living in the Philippines. Familiarizing yourself with these aspects will help you navigate the financial landscape more effectively and make the most of your experience in the country.

Housing in the Philippines

This housing guide for expats in the Philippines provides valuable insights into the various aspects of renting or buying a property in the country. It covers essential legal considerations, including restrictions on direct land ownership by foreigners, lease agreements, security deposits, and the need for proper identification and documentation.

  • The Philippines' affordable living costs and rich cultural heritage provide expatriates with numerous opportunities to find a comfortable and enriching place to call home, whether in a vibrant urban setting or a serene coastal retreat.

    Researching Locations:

    The property market in the Philippines is dynamic and varied, offering opportunities for both renters and buyers. Urban areas like Metro Manila and Cebu City provide a wide range of rental and purchase options, from luxury apartments to more affordable housing. Coastal regions and popular tourist destinations, such as Boracay and Palawan, often have higher property prices, especially for beachfront properties.

    Understanding regional market trends, working with reputable real estate agents, and conducting thorough due diligence are crucial steps for expatriates looking to navigate the Philippine property market successfully.

Education in the Philippines

The education system in the Philippines is structured into several levels. For expat families, there are numerous international schools, particularly in major cities like Manila, Cebu, and Davao, offering curricula such as the International Baccalaureate (IB), British, American, and other national systems. The medium of instruction in these schools is typically English, which is widely spoken and understood across the country.

  • Understanding the Schooling System in the Philippines

    Public Schools: Public education in the Philippines is free and funded by the government. Public education follows a standardized curriculum established by the Department of Education (DepEd), aiming to provide comprehensive and quality education to all Filipino students.

    International Schools: Expat schools in the Philippines offer a range of curricula to cater to the diverse needs of their international student population.

    International schools in the Philippines generally have higher fees, ranging from approximately $8,000 to more than $15,000 USD annually.

Visas in the Philippines

Whether you're relocating to the Philippines for employment, education, or family reunification, grasping the visa process is crucial. This guide is designed to clarify the Philippine visa application and renewal procedures for expats, helping to make your transition to the Philippines as seamless as possible.

  • Visa Application Process

    Securing a visa for the Philippines involves several key steps, each critical for ensuring legal entry and residency. Begin your application well in advance of your planned arrival to avoid any last-minute issues.

    Different Types of Visas in the Philippines

    There are multiple visas available for those intending to reside in the Philippines.

    The most common choices among expatriates are the 9(g) Pre-Arranged Employment Visa and the Special Resident Retiree’s Visa (SRRV), both of which support long-term residence.

    Keeping up-to-date with regulatory changes and seeking professional assistance when needed can further simplify the process.