Alin ang mas sulit para sa YouTube/AdSense payout: peso o dollar account? Compare fees, conversion, convenience, at best setup para sa creators.
Kung YouTube salary mo ay galing sa Google AdSense, normal na tanong talaga ito: Peso account ba o Dollar account ang mas okay buksan sa banko? Kasi dito madalas kumakain ang kita—sa conversion rate, bank charges, at minsan sa “mystery deductions.”
Good news: walang iisang sagot para sa lahat. Depende ito sa goal mo—gusto mo ba convenience, iwas conversion loss, o nag-iipon ka ng USD para sa future expenses (travel, gadgets, subscriptions, investments)?
Sa post na ’to, ipapaliwanag ko ang practical pros/cons at kung anong setup ang madalas best para sa PH YouTubers.
Table of Contents
Paano ba nagbabayad si YouTube/AdSense?
Sa AdSense, wire transfer (bank transfer) ang common payment method. Ang payout currency ay nakadepende sa country/region ng AdSense account mo, at kadalasan USD or EUR ang pinapadala ni Google via wire transfer.
So ang tanong: pagdating ng pera sa bank mo, saan mas “optimal” i-receive—PHP account o USD account?
Option 1: Peso Account (PHP)
Bakit maraming YouTubers nag-PHP account?
Pinaka-convenient ito. Pumasok na sa peso, ready na for bills, groceries, GCash/top ups, etc.
Pros
Simple setup: regular savings account lang.
Automatic conversion: bank na ang bahala mag-convert from USD to PHP.
Mas madali i-transfer locally (InstaPay/PESONet) once nasa PHP na.
Cons
Conversion rate spread: kadalasan hindi best rate (bank uses its own rate).
Possible extra charges: wire fees + documentary stamp tax/charges may apply depending sa bank & structure. Example: may banks na may service charge + documentary stamps when crediting to PHP account.
May creators na nakaka-experience ng malalaking kaltas (often from fees/spread), lalo na pag maliit pa lang ang payout.
Best for you kung:
Gusto mo zero hassle.
Most gastos mo ay PHP (which is true for most people).
Di ka naman intentionally nagho-hold ng USD.
Option 2: Dollar Account (USD / FCDA)
Ito yung Foreign Currency Deposit Account (FCDA) sa PH banks—USD savings account.
Pros
You keep funds in USD (good if you plan to save in dollars).
May cases na mas predictable ang charges vs auto-conversion (depende sa bank).
Useful kung may future spending ka in USD (travel, online services, etc.).
In general, PH residents are allowed to retain or deposit foreign currency in foreign currency accounts.
Cons
May maintaining balance kadalasan (varies per bank).
Hindi pa rin “free”: may wire credit fees pa rin (example: may banks na may USD service charge for credit to USD account).
If ultimately gagastusin mo rin in PHP, magko-convert ka rin later—so conversion cost doesn’t disappear, it just moves.
Best for you kung:
Nag-iipon ka talaga ng USD (long-term savings).
Malalaki ang payouts mo (mas sulit ang optimization).
May expenses/investments ka na USD-denominated.
Ano ang mas “okay” depende sa situation mo?
1) Kung small to medium payouts (hal. below ~₱50k/month)
✅ Peso account usually wins sa convenience.
Bakit: kahit may spread/fees, mas simple, less moving parts.
2) Kung malaking payouts + conscious ka sa forex
✅ Consider USD account (or a setup na may better conversion path).
Bakit: mas may sense na i-control mo kung kailan ka magko-convert.
3) Kung goal mo ay “maximize every peso”
✅ Ang “best” ay hindi lang PHP vs USD account—kundi fees + bank policy + conversion rate combo.
May banks na mas ok ang fee structure than others (check inward remittance fees).
Recommended setup (simple at praktikal)
Practical default (para sa karamihan)
Open a Peso Savings Account (yung actively used mo)
I-link ito sa AdSense wire transfer details
Track mo 2–3 payouts:
magkano expected (USD) vs actual received (PHP)
note fees/deductions pattern
[Screenshot: AdSense > Payments info > Manage payment methods]
Kung gusto mo mag-save in USD
Open USD (FCDA) account sa bank mo
I-receive mo payout in USD kung supported
Convert only when needed (watch rates)
Common Mistakes / Troubleshooting
Assuming na “dollar account = no fees” — may wire fees pa rin.
Di chine-check ang bank’s inward remittance fees (service charge + other charges).
Nagugulat sa kaltas — often combination ng fees + exchange spread; mas ramdam pag maliit payout.
Wrong bank details sa AdSense (name mismatch / incorrect account format).
Opening USD account without knowing maintaining balance (ma-penalty/inactive).
Converting at bad timing (kung ikaw mismo nagko-convert later).
