Best companies for EUR/PHP transfers
9 of 9 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/PHP exchange rates from our comparisons. This page updates weekly. We collect, store, and analyze EUR/PHP exchange rates from our comparisons.
Based on 7,000 EUR transfer Best companies for EUR/PHP transfers All money transfer offers for EUR/PHP transfers, sorted by most PHP received. The first two offers may be sponsored promotions. Some offers here pay us a commission. All money transfer offers for EUR/PHP transfers, sorted by most PHP received. The first two offers may be sponsored promotions. Some offers here pay us a commission. Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €45.47 1 EUR = 72.8270 PHP +0.11% vs mid-market	Recipient gets ₱506,477.56 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €45.471 EUR = 72.8270 PHP ₱506,477.56You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 72.1293 PHP +1.07% vs mid-market	Recipient gets ₱504,905.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 72.1293 PHP ₱504,905.10You pay€7,000.00
Run a live search Showing top Spain to Philippines deals for 7,000 EUR. 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 EUR 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 EUR you're planning to spend in Philippines.
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 72.7076 PHP +0.27% vs mid-market	Recipient gets ₱508,953.42 Minutes - 24 hours
9 reviews CheapestUsing Bank transfer with Regency FX is the cheapest way to send money to Philippines from Spain. Using Bank transfer with Regency FX is the cheapest way to send money to Philippines from Spain. Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Philippines with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 72.7076 PHP ₱508,953.42You pay€7,000.00
TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 72.6858 PHP +0.30% vs mid-market	Recipient gets ₱508,800.32 Minutes - 24 hours
2 reviews Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 72.6858 PHP ₱508,800.32You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 72.5400 PHP +0.50% vs mid-market	Recipient gets ₱507,779.66 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in Philippines with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 72.5400 PHP ₱507,779.66You pay€7,000.00
CurrencyFair Pay via Bank transfer	Fee €1.10 1 EUR = 72.4800 PHP +0.58% vs mid-market	Recipient gets ₱507,280.00 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €1.101 EUR = 72.4800 PHP ₱507,280.00You pay€7,000.00
Wise Pay via Bank transfer	Fee €45.47 1 EUR = 72.8270 PHP +0.11% vs mid-market	Recipient gets ₱506,477.56 Within a week
25 reviews RecommendedBased on our editorial reviews, Wise is our recommended way to send money from Spain to Philippines. Based on our editorial reviews, Wise is our recommended way to send money from Spain to Philippines. Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €45.471 EUR = 72.8270 PHP ₱506,477.56You pay€7,000.00
Only available via Mobile App WorldRemit Pay via Debit card	Fee €0.99 1 EUR = 72.3369 PHP +0.78% vs mid-market	Recipient gets ₱506,286.97 Minutes - 2 days
13 reviews Receive to bank account or cash pickup
Ways to receive money in Philippines with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days €0.991 EUR = 72.3369 PHP ₱506,286.97You pay€7,000.00 Card depositMinutes - 2 days Free1 EUR = 71.9597 PHP ₱503,718.18You pay€7,000.00 Cash pickupMinutes - 2 days Free1 EUR = 71.5005 PHP ₱500,503.22You pay€7,000.00 Mobile moneyMinutes - 2 days €2.991 EUR = 71.5005 PHP ₱500,289.43You pay€7,000.00
Wise Pay via iDEAL/WERO	Fee €55.58 1 EUR = 72.8270 PHP +0.11% vs mid-market	Recipient gets ₱505,741.28 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Philippines with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €55.581 EUR = 72.8270 PHP ₱505,741.28You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 72.1293 PHP +1.07% vs mid-market	Recipient gets ₱504,905.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 72.1293 PHP ₱504,905.10You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 72.1293 PHP +1.07% vs mid-market	Recipient gets ₱504,905.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 72.1293 PHP ₱504,905.10You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 72.1293 PHP +1.07% vs mid-market	Recipient gets ₱504,905.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 72.1293 PHP ₱504,905.10You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 72.0000 PHP +1.25% vs mid-market	Recipient gets ₱504,000.00 Minutes
0 reviews Receive to bank account
Ways to receive money in Philippines with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 72.0000 PHP ₱504,000.00You pay€7,000.00 Mobile walletMinutesAvailable via:Coins.ph, GCash, Maya Free1 EUR = 72.0000 PHP ₱504,000.00You pay€7,000.00 Mobile moneyMinutesAvailable via:Globe Free1 EUR = 72.0000 PHP ₱504,000.00You pay€7,000.00 Card depositMinutesAvailable via:Pay To Card €0.851 EUR = 72.0000 PHP ₱504,000.00You pay€7,000.85 Cash pickupMinutesAvailable via:Cebuana, Palawan Pawnshop & Others €2.491 EUR = 72.0000 PHP ₱504,000.00You pay€7,002.49
Wise Pay via Debit card	Fee €100.33 1 EUR = 72.8270 PHP +0.11% vs mid-market	Recipient gets ₱502,482.27 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Philippines with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €100.331 EUR = 72.8270 PHP ₱502,482.27You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €70.50 1 EUR = 72.4876 PHP +0.57% vs mid-market	Recipient gets ₱502,302.50 Within minutes
10 reviews FastestRevolut with Bank transfer deposit is the fastest way to send EUR to Philippines. Revolut with Bank transfer deposit is the fastest way to send EUR to Philippines. Multi-currency cardReceive to bank account
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 72.4876 PHP ₱502,302.50You pay€7,000.00
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.
Wise Pay via Credit card	Fee €142.25 1 EUR = 72.8270 PHP +0.11% vs mid-market	Recipient gets ₱499,429.36 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Philippines with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €142.251 EUR = 72.8270 PHP ₱499,429.36You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee €221.00 1 EUR = 72.4876 PHP +0.57% vs mid-market	Recipient gets ₱491,393.12 Within minutes
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in Philippines with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 72.4876 PHP ₱491,393.12You pay€7,000.00
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 EUR = 72.904474 PHP Updates every 60 minutes.

Why compare

EUR/PHP exchange rate

Best ways to pay & receive

Transfer speed

Historic EUR/PHP options

How to send money from Spain to Philippines

Pick a company

For a one-off transfer from Spain to Philippines, I suggest picking Regency FX, it will get you the most Philippines

The best option will change depending on the amount, so it's good to to get the best EUR/PHP rate today.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.

Bizum only works between Spanish accounts and caps at €500, which is why these companies exist in the first place.

Verify and send

First time round you'll need your DNI, or your NIE if you're not Spanish, and a proof of address.

An empadronamiento certificate covers the address if you don't have a bill in your name yet.

Ways to send money from Spain to Philippines

9 companies send money from Spain to Philippines, across broker, app, online, multi-currency account, and global account, and more.

Monthly remesas abroad

Money transfer apps

Sending monthly remesa is extremely popular in Spain.

Money transfer apps let you save contacts, schedule transfers, and lock-in rates.

Useful if you’re sending €100 to €300 monthly to Philippines.

Wise charges €45.47 on a €7,000 transfer and pays out 506,477.56 PHP in within a week, often straight into a mobile wallet, so the person receiving doesn't need a bank account.

You can pay for the transfers via bank transfer, debit card, credit card, and ideal, but Bizum is usually not accepted as a funding method.

For one-off transfers

Online transfers

For medium sized or one-off transfers to Philippines, an online money transfer service funded from your bank account is better than any bank.

Wise turns €7,000 into 506,477.56 PHP with a €45.47 fee and 0.11% markup.

Sending large amounts

Currency brokers

Currency brokers are best for sending €10,000+ to Philippines. This can be things like selling property, moving a pension, moving back home, etc…

Regency FX charges no fee and works on a margin (~0.27% on EUR/PHP), with a person on the phone, and offices in Spain if you'd rather sit down with someone.

For getting paid and spending abroad

Multi-currency accounts

If you often receive PHP (things like pensions, payments, salary, dividends, etc…), this is the best way to do it.

Because a multi-currency account gives you account details to receive PHP like a local and you can exchange it to EUR at any time.

The best multi-currency account in Spain with PHP support is offered by Wise.

For example, converting €7,000 gets you 506,477.56 PHP.

For businesses and autónomos paying abroad

Global accounts

Companies like Wise Business, Payoneer, or Airwallex are best suited for businesses in Spain making payments to Philippines.

You can pay suppliers and freelancers, process invoices, make batch payments, and much more.

Ways to fund EUR and receive PHP in Philippines

How you fund the transfer and how your recipient receives it affect the fees and how much PHP they get.

With Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending €7,000 gives your recipient 508,953.42 PHP.

For funding your transfer from Spain, you can use bank transfer, debit card, credit card, and ideal.

Bizum only supports domestic transfers in Spain, so it cannot send money to Philippines directly.

Pay from your Spanish bank account

Deposit your funds with a SEPA Instant (essentially your bank transfer) using your ES IBAN.

It is fast to fund the transfer, although delivery to Philippines depends on the company's payout time and delivery method.

In Philippines, the recipient can use bank deposit, card deposit, cash pickup, mobile money, and mobile wallet to receive money.

Payout is available through .

Collect cash in Philippines

Your recipient can collect PHP from a participating location in Philippines.

1

Bank transfer Bank deposit

You pay €7,000.00

₱508,953

Cheapest
2

Debit card Bank deposit

You pay €7,000.00

₱506,287

-₱2,666
3

Ideal Bank deposit

You pay €7,000.00

₱505,741

-₱3,212
4

Credit card Bank deposit

You pay €7,000.00

₱504,905

-₱4,048
5

Debit card Cash pickup

You pay €7,002.49

₱504,000

-₱4,953

Show moreShow less

6

Debit card Card deposit

You pay €7,000.85

₱504,000

-₱4,953
7

Debit card Mobile money

You pay €7,000.00

₱504,000

-₱4,953
8

Debit card Mobile wallet

You pay €7,000.00

₱504,000

-₱4,953

What to consider when sending money from Spain

Here are a few things to know before sending money from Spain to Philippines.

Find the best EUR/PHP transfer

These are the current best options for sending €7,000 to Philippines:

Cheapest option

Use ₱508,953.42, pay by bank transfer and choose bank deposit for the payout. Your recipient gets 508,953.42 PHP, which is 0.03% more than the next best option.

Fastest option

With Revolut, a bank transfer payment to bank deposit gives your recipient 502,302.5 PHP in within minutes.

SEPA & PHP are different

SEPA and SEPA Instant only work within the Eurozone, and Bizum largely operates in Spain.

Sending EUR to Philippines is different because it needs a currency conversion.

SEPA or SEPA Instant can be used to fund the transfer itself (since both are in EUR), but it does not guarantee instant transfer to Philippines.

Expect questions on a large payment

Your bank or transfer company can ask for a justificante showing the source and purpose of a large or unusual transfer.

Keep the sale agreement for property, an invoice for tuition or a bank statement for savings.

Ask your bank to raise its own online transfer limit before the payment is due, rather than splitting a payment to avoid a check.

Staying safe when sending money

A payment or electronic-money institution is not the same as a bank, so do not assume its stored balance has bank deposit protection.

For bank deposits, protection normally comes from the deposit guarantee scheme in the bank's home country.

For a transfer service, check how customer money is safeguarded and avoid leaving a large balance there longer than needed.

When in doubt, use the Banco de Espana register to check the legal entity behind a transfer service.

Live EUR-PHP Exchange Rate

Finding the best rate to send money from Spain to Philippines

The exchange rate has a direct impact on how much PHP your recipient gets. A weekly comparison makes it easier to judge today's EUR/PHP rate.

Mid-market rate:1 EUR = 72.850996 PHP

How we analyse the market

Every company here is authorised to operate in Spain, and you can check any of them on the Banco de España register yourself.

We track 9 of them on EUR to PHP, comparing fees, rates and the ways money can be paid in and collected. Each one also goes through our own review.

Pricing mostly comes straight from the companies, and anything we collect by hand is marked in the table.

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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How to send money to Philippines from Spain with the best EUR-PHP rate

Best companies for EUR/PHP transfers

Transfer details