The cheapest option overall is Xe, giving your recipient 461,586.6 PHP when you send CHF 6,000.
Below we’ve compared 7 ways to send money from Switzerland to Philippines.
| 7 of 7 providers Last updated on 28 October 2026 | |||
| Based on 6,000 CHF transfer Best companies for CHF/PHP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee CHF 26.93 1 CHF = 77.1064 PHP -0.02% vs mid-market | Recipient gets ₱ 460'561.92 Same day | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer CHF 26.931 CHF = 77.1064 PHP ₱ 460'561.92You payCHF 6'000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee CHF 0.00 1 CHF = 76.9311 PHP +0.21% vs mid-market | Recipient gets ₱ 461'586.60 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 76.9311 PHP ₱ 461'586.60You payCHF 6'000.00 | |||
Run a live search Showing top Switzerland to Philippines deals for 6,000 CHF. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live CHF to PHP rates. | |||
Run a live search These companies offer multi-currency accounts for spending PHP. We suggest doing a live search based on how much CHF you're planning to spend in Philippines. | |||
Run a live search These are managed services with real human support for large CHF transfers. Click the link and update the transfer amount to get the best deal. | |||
| Xe Pay via Bank transfer | Fee CHF 0.00 1 CHF = 76.9311 PHP +0.21% vs mid-market | Recipient gets ₱ 461'586.60 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 76.9311 PHP ₱ 461'586.60You payCHF 6'000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 76.8810 PHP +0.27% vs mid-market | Recipient gets ₱ 461'285.89 Minutes - 24 hours | |
Ways to receive money in Philippines with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 76.8810 PHP ₱ 461'285.89You payCHF 6'000.00 | |||
 TorFx Pay via Bank transfer | Fee CHF 0.00 1 CHF = 76.8579 PHP +0.30% vs mid-market | Recipient gets ₱ 461'147.13 Minutes - 24 hours | |
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 76.8579 PHP ₱ 461'147.13You payCHF 6'000.00 | |||
| Wise Pay via Bank transfer | Fee CHF 26.93 1 CHF = 77.1064 PHP -0.02% vs mid-market | Recipient gets ₱ 460'561.92 Same day | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer CHF 26.931 CHF = 77.1064 PHP ₱ 460'561.92You payCHF 6'000.00 | |||
 OFX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 76.7037 PHP +0.50% vs mid-market | Recipient gets ₱ 460'222.06 Minutes - 24 hours | |
Ways to receive money in Philippines with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 76.7037 PHP ₱ 460'222.06You payCHF 6'000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee CHF 1.04 1 CHF = 76.5550 PHP +0.70% vs mid-market | Recipient gets ₱ 459'250.00 Minutes - 24 hours | |
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 1.041 CHF = 76.5550 PHP ₱ 459'250.00You payCHF 6'000.00 | |||
| Xe Pay via Debit card | Fee CHF 36.00 1 CHF = 76.9311 PHP +0.21% vs mid-market | Recipient gets ₱ 458'817.08 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 76.9311 PHP ₱ 458'817.08You payCHF 6'000.00 | |||
| Xe Pay via Credit card | Fee CHF 36.00 1 CHF = 76.9311 PHP +0.21% vs mid-market | Recipient gets ₱ 458'817.08 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 76.9311 PHP ₱ 458'817.08You payCHF 6'000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee CHF 56.50 1 CHF = 76.8113 PHP +0.36% vs mid-market | Recipient gets ₱ 456'527.72 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 56.501 CHF = 76.8113 PHP ₱ 456'527.72You payCHF 6'000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee CHF 185.50 1 CHF = 76.8113 PHP +0.36% vs mid-market | Recipient gets ₱ 446'619.07 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 185.501 CHF = 76.8113 PHP ₱ 446'619.07You payCHF 6'000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| How Our Results Work Mid-market rate: 1 CHF = 77.0891 PHP Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Xe at 461,586.6 PHP for a CHF 6,000 transfer.
Xe was the cheapest on 2 of the 26 days it quoted fr.6,000 transfers to Philippines.
Sending the same money as an international transfer from your Swiss bank costs 1 to 3% in the rate before any fee.
You have 3 ways to pay, including bank transfer, debit card, and credit card.
TWINT won't do this, it's for paying people and shops inside Switzerland.
First time round you'll need a photo ID and your Swiss address.
The company may pause a first large transfer, it just means you need to submit more details to confirm it's really you.
How much CHF you send to Philippines heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
Our analysis shows Xe was the cheapest in 8% of the transfers from CHF 6,000 it quoted, and in 19% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| CHF 500 | -1.73% | CHF 0.00 | ₱ 39'271.55with debit card to bank deposit | +₱ 1'063.81 | |
| CHF 1'000 | 0.27% | CHF 0.00 | ₱ 76'931.10with bank transfer to bank deposit | +₱ 799.14 | |
| CHF 5'000 | 0.27% | CHF 0.00 | ₱ 384'894.74with bank transfer to bank deposit | +₱ 2'872.96 | |
| CHF 6'000This page | 0.21% | CHF 0.00 | ₱ 461'586.60with bank transfer to bank deposit | +₱ 3'103.14 | |
| CHF 25'000 | 0.25% | CHF 0.00 | ₱ 1'923'695.61with bank transfer to bank deposit | +₱ 15'093.45 |
Mid-market rate: 1 CHF = 77.0891 PHP
The cheapest way to send CHF to PHP can change every day, or stay with the same company all month.
We've compared the mid-market rate with the cheapest option each day (today it's Xe), across 30 days of comparisons for 6,000 CHF transfers to Philippines.
Wed, 28 Oct 2026Mid-market rate₱ 462'534.74 Xe ₱ 461'586.60Xe₱ 461'586.60Regency FX₱ 461'285.89TorFx₱ 461'147.13
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.1027 | – | ₱ 450'616.29 | |
| | 74.8999 | CHF 0.00 | ₱ 449'399.63 | −₱ 1'216.66 |
| | 74.8774 | CHF 0.00 | ₱ 449'264.44 | −₱ 1'351.85 |
| | 74.7297 | CHF 0.00 | ₱ 448'378.20 | −₱ 2'238.09 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.1433 | – | ₱ 450'859.59 | |
| | 74.9404 | CHF 0.00 | ₱ 449'642.27 | −₱ 1'217.32 |
| | 74.9178 | CHF 0.00 | ₱ 449'507.01 | −₱ 1'352.58 |
| | 74.6160 | CHF 0.00 | ₱ 447'696.00 | −₱ 3'163.59 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.2913 | – | ₱ 451'747.87 | |
| | 75.0880 | CHF 0.00 | ₱ 450'528.15 | −₱ 1'219.72 |
| | 75.0654 | CHF 0.00 | ₱ 450'392.63 | −₱ 1'355.24 |
| | 74.4706 | CHF 0.00 | ₱ 446'823.60 | −₱ 4'924.27 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.6324 | – | ₱ 453'794.15 | |
| | 75.4282 | CHF 0.00 | ₱ 452'568.90 | −₱ 1'225.25 |
| | 75.4055 | CHF 0.00 | ₱ 452'432.77 | −₱ 1'361.38 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.5509 | – | ₱ 453'305.38 | |
| | 75.3469 | CHF 0.00 | ₱ 452'081.46 | −₱ 1'223.92 |
| | 75.3242 | CHF 0.00 | ₱ 451'945.47 | −₱ 1'359.91 |
| | 75.0842 | CHF 0.00 | ₱ 450'505.20 | −₱ 2'800.18 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.3655 | – | ₱ 452'192.92 | |
 | 75.3500 | CHF 3.99 | ₱ 451'799.35 | −₱ 393.56 |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.5681 | – | ₱ 453'408.77 | |
| | 75.3641 | CHF 0.00 | ₱ 452'184.57 | −₱ 1'224.20 |
| | 75.3414 | CHF 0.00 | ₱ 452'048.55 | −₱ 1'360.22 |
| | 74.8043 | CHF 0.00 | ₱ 448'825.80 | −₱ 4'582.97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.4190 | – | ₱ 452'513.76 | |
| | 75.2153 | CHF 0.00 | ₱ 451'291.97 | −₱ 1'221.79 |
| | 75.1927 | CHF 0.00 | ₱ 451'156.22 | −₱ 1'357.54 |
| | 74.9654 | CHF 0.00 | ₱ 449'792.40 | −₱ 2'721.36 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.4146 | – | ₱ 452'487.61 | |
| | 75.2110 | CHF 0.00 | ₱ 451'265.90 | −₱ 1'221.71 |
| | 75.1884 | CHF 0.00 | ₱ 451'130.15 | −₱ 1'357.46 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.5438 | – | ₱ 453'262.58 | |
| | 75.3398 | CHF 0.00 | ₱ 452'038.78 | −₱ 1'223.80 |
| | 75.3171 | CHF 0.00 | ₱ 451'902.80 | −₱ 1'359.78 |
| | 74.8398 | CHF 0.00 | ₱ 449'038.80 | −₱ 4'223.78 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.6154 | – | ₱ 453'692.44 | |
| | 75.4112 | CHF 0.00 | ₱ 452'467.47 | −₱ 1'224.97 |
| | 75.3886 | CHF 0.00 | ₱ 452'331.36 | −₱ 1'361.08 |
| | 74.9172 | CHF 0.00 | ₱ 449'503.20 | −₱ 4'189.24 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.6270 | – | ₱ 453'762.11 | |
| | 75.4228 | CHF 0.00 | ₱ 452'536.96 | −₱ 1'225.15 |
| | 75.4001 | CHF 0.00 | ₱ 452'400.83 | −₱ 1'361.28 |
| | 75.1406 | CHF 0.00 | ₱ 450'843.60 | −₱ 2'918.51 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.6270 | – | ₱ 453'762.11 | |
| | 75.4228 | CHF 0.00 | ₱ 452'536.96 | −₱ 1'225.15 |
| | 75.4001 | CHF 0.00 | ₱ 452'400.83 | −₱ 1'361.28 |
| | 75.1406 | CHF 0.00 | ₱ 450'843.60 | −₱ 2'918.51 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.4328 | – | ₱ 452'596.67 | |
| | 75.2291 | CHF 0.00 | ₱ 451'374.66 | −₱ 1'222.01 |
| | 75.2065 | CHF 0.00 | ₱ 451'238.88 | −₱ 1'357.79 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.3161 | – | ₱ 451'896.32 | |
| | 75.1127 | CHF 0.00 | ₱ 450'676.20 | −₱ 1'220.12 |
| | 75.0901 | CHF 0.00 | ₱ 450'540.64 | −₱ 1'355.68 |
| | 75.0762 | CHF 0.00 | ₱ 450'457.20 | −₱ 1'439.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 75.1380 | – | ₱ 450'827.78 | |
| | 75.0247 | CHF 0.00 | ₱ 450'148.20 | −₱ 679.58 |
| | 74.9351 | CHF 0.00 | ₱ 449'610.54 | −₱ 1'217.24 |
| | 74.9125 | CHF 0.00 | ₱ 449'475.29 | −₱ 1'352.49 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 76.0614 | CHF 26.93 | ₱ 454'320.07 | – |
| | 75.6415 | CHF 0.00 | ₱ 453'849.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 76.3840 | – | ₱ 458'304.26 | |
| | 76.1778 | CHF 0.00 | ₱ 457'066.84 | −₱ 1'237.42 |
| | 76.1549 | CHF 0.00 | ₱ 456'929.35 | −₱ 1'374.91 |
| | 75.7495 | CHF 0.00 | ₱ 454'497.00 | −₱ 3'807.26 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 76.2606 | – | ₱ 457'563.58 | |
| | 76.5117 | CHF 26.93 | ₱ 457'009.74 | −₱ 553.84 |
| | 76.0547 | CHF 0.00 | ₱ 456'328.15 | −₱ 1'235.43 |
| | 76.0318 | CHF 0.00 | ₱ 456'190.89 | −₱ 1'372.69 |
| | 76.0190 | CHF 0.00 | ₱ 456'114.00 | −₱ 1'449.58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 76.2606 | – | ₱ 457'563.58 | |
| | 76.5117 | CHF 26.93 | ₱ 457'009.74 | −₱ 553.84 |
| | 76.0547 | CHF 0.00 | ₱ 456'328.15 | −₱ 1'235.43 |
| | 76.0318 | CHF 0.00 | ₱ 456'190.89 | −₱ 1'372.69 |
| | 76.0190 | CHF 0.00 | ₱ 456'114.00 | −₱ 1'449.58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 76.5006 | – | ₱ 459'003.78 | |
| | 76.2941 | CHF 0.00 | ₱ 457'764.47 | −₱ 1'239.31 |
| | 76.2711 | CHF 0.00 | ₱ 457'626.77 | −₱ 1'377.01 |
| | 76.1457 | CHF 0.00 | ₱ 456'874.20 | −₱ 2'129.58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 76.4598 | – | ₱ 458'758.91 | |
| | 76.2534 | CHF 0.00 | ₱ 457'520.26 | −₱ 1'238.65 |
| | 76.2304 | CHF 0.00 | ₱ 457'382.64 | −₱ 1'376.27 |
| | 76.1457 | CHF 0.00 | ₱ 456'874.20 | −₱ 1'884.71 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 77.0049 | – | ₱ 462'029.46 | |
| | 76.7970 | CHF 0.00 | ₱ 460'781.98 | −₱ 1'247.48 |
| | 76.7739 | CHF 0.00 | ₱ 460'643.37 | −₱ 1'386.09 |
| | 76.4172 | CHF 0.00 | ₱ 458'503.20 | −₱ 3'526.26 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 77.4439 | – | ₱ 464'663.59 | |
| | 77.2348 | CHF 0.00 | ₱ 463'408.99 | −₱ 1'254.60 |
| | 77.2116 | CHF 0.00 | ₱ 463'269.60 | −₱ 1'393.99 |
| | 76.5996 | CHF 0.00 | ₱ 459'597.60 | −₱ 5'065.99 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 77.3401 | – | ₱ 464'040.88 | |
| | 77.1313 | CHF 0.00 | ₱ 462'787.97 | −₱ 1'252.91 |
| | 77.1081 | CHF 0.00 | ₱ 462'648.75 | −₱ 1'392.13 |
| | 76.9099 | CHF 0.00 | ₱ 461'459.40 | −₱ 2'581.48 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 77.1055 | – | ₱ 462'633.14 | |
| | 76.8973 | CHF 0.00 | ₱ 461'384.03 | −₱ 1'249.11 |
| | 76.8819 | CHF 0.00 | ₱ 461'291.40 | −₱ 1'341.74 |
| | 76.8742 | CHF 0.00 | ₱ 461'245.24 | −₱ 1'387.90 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 77.1055 | – | ₱ 462'633.14 | |
| | 76.8973 | CHF 0.00 | ₱ 461'384.03 | −₱ 1'249.11 |
| | 76.8819 | CHF 0.00 | ₱ 461'291.40 | −₱ 1'341.74 |
| | 76.8742 | CHF 0.00 | ₱ 461'245.24 | −₱ 1'387.90 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 77.4259 | CHF 26.93 | ₱ 462'470.32 | – |
| | 76.9410 | CHF 0.00 | ₱ 461'646.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 77.4376 | – | ₱ 464'625.41 | |
| | 77.2285 | CHF 0.00 | ₱ 463'370.93 | −₱ 1'254.48 |
| | 77.2053 | CHF 0.00 | ₱ 463'231.54 | −₱ 1'393.87 |
| | 76.9266 | CHF 0.00 | ₱ 461'559.60 | −₱ 3'065.81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 77.0891 | – | ₱ 462'534.74 | |
| | 76.9311 | CHF 0.00 | ₱ 461'586.60 | −₱ 948.14 |
| | 76.8810 | CHF 0.00 | ₱ 461'285.89 | −₱ 1'248.85 |
| | 76.8579 | CHF 0.00 | ₱ 461'147.13 | −₱ 1'387.61 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 77.0891 | – | ₱ 462'534.74 | |
|---|---|---|---|---|
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Each line shows what the recipient gets when you send CHF 6'000, after fees, as quoted by each company. The mid-market line shows what CHF 6'000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.
The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.
When the blue line goes above the dashed one, you're getting more PHP per CHF than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of PHP on every transfer from Switzerland.
Right now, Xe pays 461,586.6 PHP on 6,000 CHF, which is 948.14 PHP less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 463,408.99 PHP.
If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Philippines.
We've tracked 122 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.
Cheapest in 29% of them
Cheapest in 95% of them
Never the cheapest
Based on 35 comparisons across 5 amounts over the last 7 days.
Cheapest in 19% of them
Cheapest in 89% of them
Never the cheapest
Based on 122 comparisons across 5 amounts over the last 30 days.
Cheapest in 18% of them
Cheapest in 89% of them
Never the cheapest
Based on 190 comparisons across 5 amounts over the last 90 days.
Different companies can come out cheapest depending on the day and the amount you send.
To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today Xe is the cheapest and gets you the most PHP, but it was the cheapest in only 19% of the 72 comparisons it appeared in over the past month.
Regency FX (today's second cheapest) was the cheapest in 89% of its comparisons, so if you send money to Philippines regularly, it's worth comparing it with Xe before each transfer.
If it's a one-off transfer, go with Xe, since it's the cheapest right now.
7 companies send money from Switzerland to Philippines, across broker, app, online, multi-currency account, and global account, and more.
For one-off transfers
Online services like Xe are usually cheaper than Swiss banks for one-off and medium-sized transfers.
With Xe, 6,000 CHF gets your recipient 461,586.6 PHP.
The fee is 0 CHF, with a 0.21% markup on top of the CHF/PHP rate.
In our comparisons over the past month, it was the cheapest online service on 6 of the 26 days it quoted.
For spending and receiving
A multi-currency account is useful if you earn in Swiss francs but spend money in PHP (be it payments or travelling).
Wise converts CHF 6,000 with a -0.02% exchange-rate markup and lets you hold CHF and PHP in one account.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
For regular transfers
For the monthly transfer to family, money transfer apps are the easiest to start with.
Xe charges fr.0 on a fr.6,000 transfer, and the money lands minutes - 24 hours.
Over the past month, Xe was the cheapest app on 23% of the days it appeared for fr.6,000 transfers.
You can also save recipients and create automated scheduled transfers to Philippines.
You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, bank transfer, debit card, and credit card.
For large CHF transfers
Private banks can usually do this too, but brokers streamline the process and you also get an account manager to handle the transfer.
For example, if you are buying property in Philippines or moving your wealth, a broker like Xe charges no fee and works on a margin instead (0.21% on CHF/PHP).
I suggest , since the more PHP you send the better rate you get.
Our analysis shows Xe was the cheapest broker in 15% of the transfers from CHF 6,000 it quoted.
Brokers charge no fees, so settle with the one that gives you the best CHF/PHP rate.
For companies paying across borders
Converting every payment separately adds extra work for Swiss businesses with regular costs in Philippines.
A global account lets you hold PHP alongside CHF and pay from the balance.
Wise Business, WorldFirst and Airwallex offer multi-currency accounts with business payment tools.
With Xe, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 461,586.6 PHP.
The transfer can be paid for by bank transfer, debit card, and credit card.
You can pay from your Swiss bank account
Send CHF to the account details provided by the company.
Use the exact reference so it can match the payment to your transfer.
TWINT is mainly for payments in Switzerland, so it does not replace an international transfer to Philippines.
In Philippines, they can get PHP delivered as bank deposit.
You pay fr.6,000.00
₱461,587
Cheapest
You pay fr.6,000.00
₱458,817
-₱2,770
You pay fr.6,000.00
₱458,817
-₱2,770
The exchange-rate margin usually matters more than the transfer fee from Switzerland. Gift tax and account protection also depend on details that are easy to miss.
For a CHF 6,000 transfer to Philippines, these are the best options in our comparison.
Cheapest way to send money to Philippines
The cheapest option is Xe, funded by bank transfer with bank deposit for the payout. Your recipient gets 461,586.6 PHP, which is 0.07% more than the next best option.
Fastest way to send money to Philippines
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 456,527.72 PHP in within minutes.
Swiss banks can make SEPA payments in euros, but a CHF transfer to PHP requires a conversion.
Same goes for TWINT and Swiss instant payments.
Money transfer companies can take these as funding methods (since accounts are in Switzerland) but then they switch to an internal network of accounts.
Switzerland has no federal gift tax applied on transfers abroad.
Most cantons impose their own rules, with the amount due usually depending on the value of the gift and your relationship to the recipient.
The federal Swiss authorities explain the cantonal rules here.
Do not assume every app used in Switzerland is FINMA-authorised or covered by Swiss deposit insurance.
Some services operate under a foreign licence, and a Swiss virtual IBAN does not by itself create Swiss deposit protection.
Eligible deposits at participating Swiss banks are protected up to CHF 100,000 per customer and bank, but esisuisse confirms that a virtual IBAN or correspondent account may fall outside that protection.
If you’re in doubt about a money transfer company or app, check the legal company behind the service in the FINMA register.
Most pricing comes straight from the companies, and anything we collect by hand is marked in the table.
That covers 7 of them sending CHF to Philippines, refreshed in real time on live searches and compared on rates, fees and the ways to pay and collect.
In the past 30 days alone, we analysed 122 comparisons across 5 amounts.
This page covers the cheapest and fastest options for CHF/PHP transfers. This is how we pick them:
Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.
Each goes through our review. More on who we are, why you can trust us and how to get started.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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