Usually the cheapest
Online transfers
Companies like Xe will get you 502,008.5 PHP on €7,000 transfer.
If it's the only time you send money to Philippines, then it's the best option.
For recurring transfers, an app is a bit more convenient.
How to send money to Philippines from Finland with the best EUR-PHP rate
We’ve compared and analysed 9 money transfer companies in Finland.
| 9 of 9 providers Last updated on 28 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/PHP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €45.47 1 EUR = 71.1109 PHP +0.01% vs mid-market | Recipient gets ₱494,542.89 Same day | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €45.471 EUR = 71.1109 PHP ₱494,542.89You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 71.7155 PHP -0.84% vs mid-market | Recipient gets ₱502,008.50 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 71.7155 PHP ₱502,008.50You pay€7,000.00 | |||
Run a live search Showing top Finland 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. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 71.7155 PHP -0.84% vs mid-market | Recipient gets ₱502,008.50 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 71.7155 PHP ₱502,008.50You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 71.7155 PHP -0.84% vs mid-market | Recipient gets ₱502,008.50 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 71.7155 PHP ₱502,008.50You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 71.7155 PHP -0.84% vs mid-market | Recipient gets ₱502,008.50 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 71.7155 PHP ₱502,008.50You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 70.9231 PHP +0.27% vs mid-market | Recipient gets ₱496,461.92 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 EUR = 70.9231 PHP ₱496,461.92You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 70.9018 PHP +0.30% vs mid-market | Recipient gets ₱496,312.58 Minutes - 24 hours | |
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 70.9018 PHP ₱496,312.58You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 70.7596 PHP +0.50% vs mid-market | Recipient gets ₱495,316.97 Minutes - 24 hours | |
Ways to receive money in Philippines with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 70.7596 PHP ₱495,316.97You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €1.12 1 EUR = 70.7000 PHP +0.59% vs mid-market | Recipient gets ₱494,820.00 Minutes - 24 hours | |
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €1.121 EUR = 70.7000 PHP ₱494,820.00You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €45.47 1 EUR = 71.1109 PHP +0.01% vs mid-market | Recipient gets ₱494,542.89 Same day | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €45.471 EUR = 71.1109 PHP ₱494,542.89You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €55.58 1 EUR = 71.1109 PHP +0.01% vs mid-market | Recipient gets ₱493,823.96 Same day | |
Ways to receive money in Philippines with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €55.581 EUR = 71.1109 PHP ₱493,823.96You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.99 1 EUR = 70.5497 PHP +0.80% vs mid-market | Recipient gets ₱493,778.06 Minutes - 2 days | |
Ways to receive money in Philippines with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days €0.991 EUR = 70.5497 PHP ₱493,778.06You pay€7,000.00 Mobile moneyMinutes - 2 days €0.991 EUR = 70.3719 PHP ₱492,533.63You pay€7,000.00 Cash pickupMinutes - 2 days €2.991 EUR = 70.3008 PHP ₱491,895.26You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 70.2000 PHP +1.30% vs mid-market | Recipient gets ₱491,400.00 Minutes | |
Ways to receive money in Philippines with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 70.2000 PHP ₱491,400.00You pay€7,000.00 Mobile walletMinutesAvailable via:Coins.ph, GCash, Maya Free1 EUR = 70.2000 PHP ₱491,400.00You pay€7,000.00 Mobile moneyMinutesAvailable via:Globe Free1 EUR = 70.2000 PHP ₱491,400.00You pay€7,000.00 Card depositMinutesAvailable via:Pay To Card €0.851 EUR = 70.2000 PHP ₱491,400.00You pay€7,000.85 Cash pickupMinutesAvailable via:Cebuana, Palawan Pawnshop & Others €2.491 EUR = 70.2000 PHP ₱491,400.00You pay€7,002.49 | |||
| Wise Pay via Debit card | Fee €100.33 1 EUR = 71.1109 PHP +0.01% vs mid-market | Recipient gets ₱490,641.74 Same day | |
Ways to receive money in Philippines with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €100.331 EUR = 71.1109 PHP ₱490,641.74You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 70.7975 PHP +0.45% vs mid-market | Recipient gets ₱490,590.93 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 70.7975 PHP ₱490,590.93You 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 = 71.1109 PHP +0.01% vs mid-market | Recipient gets ₱487,660.77 Same day | |
Ways to receive money in Philippines with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €142.251 EUR = 71.1109 PHP ₱487,660.77You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 70.7975 PHP +0.45% vs mid-market | Recipient gets ₱479,935.92 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 70.7975 PHP ₱479,935.92You 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 = 71.1151 PHP Updates every 60 minutes. | |||
Transfer details
How to send money from Finland to Philippines
Pick a company
For a one-off transfer to Philippines, start with Xe.
On a 7,000 EUR transfer, Xe delivers the most PHP.
The cheapest option depends on the amount, so I suggest to get the best EUR/PHP rate.
Fund your transfer
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
Select how you want the recipient to pick up the money. For transfers to Philippines they can receive it via bank deposit, mobile money, cash pickup, mobile wallet, and card deposit.
Verify and send
If it's your first time using the service, you will need to verify your account.
This usually takes a a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
Ways to send money from Finland to Philippines
9 companies send money from Finland to Philippines, mostly through app, broker, online, multi-currency account, and global account, and a few more ways.
For regular transfers
Money transfer apps
For the regular smaller transfer, apps are convenient and cheap.
Xe charges €0 on a €7,000 transfer, and 502,008.5 PHP arrives in minutes - 24 hours.
In Philippines they can receive money via bank deposit, mobile money, cash pickup, mobile wallet, and card deposit.
Moving money between your own accounts
Multi-currency accounts
Companies like Wise let you hold EUR and PHP balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to PHP with Wise gets you 494,542.89 PHP (€45.47 in fees and 0.01% markup).
This is especially useful travel since you are spending in PHP (no extra fees from Wise, only local ATMs).
For freelancers and SMEs
Global accounts
Global accounts are for companies and freelancers making payments to Philippines.
Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.
For sending large sums
Currency brokers
Currency brokers are good for sending €10,000+ to Philippines. They charge no fees and add a markup on the rate.
Xe charges no fee but adds -0.84% markup on top of the EUR/PHP rate.
Ways to fund EUR and receive PHP in Philippines
With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 502,008.5 PHP.
To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and ideal.
MobilePay and Siirto are useful for payments within Finland, but they do not send money to Philippines directly.
For withdrawals in Philippines, use bank deposit, mobile money, cash pickup, mobile wallet, and card deposit.
Receive PHP
The name should match the account holder's bank record, so double check it before sending.
Your recipient can also collect PHP from a nearby agent in Philippines.
- 1 Debit card Bank deposit
You pay €7,000.00
₱502,009
Cheapest
- 2 Bank transfer Bank deposit
You pay €7,000.00
₱502,009
₱0
- 3 Credit card Bank deposit
You pay €7,000.00
₱502,009
₱0
- 4 Ideal Bank deposit
You pay €7,000.00
₱493,824
-₱8,185
- 5 Debit card Mobile money
You pay €7,000.00
₱492,534
-₱9,475
Show moreShow less
- 6 Debit card Cash pickup
You pay €7,000.00
₱491,895
-₱10,113
- 7 Debit card Mobile wallet
You pay €7,000.00
₱491,400
-₱10,609
- 8 Debit card Card deposit
You pay €7,000.85
₱491,400
-₱10,609
What to consider before sending money from Finland to Philippines
For a transfer from Finland, compare the PHP received and check whether the payment is a taxable gift rather than ordinary family support.
Compare EUR/PHP transfer options
Compare EUR/PHP transfer options
For a €7,000 transfer to Philippines, these are the current cheapest, fastest and easiest options.
Cheapest
Xe is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 502,008.5 PHP, which is 1.1% more than the next best option.
Fastest
Revolut delivers 490,590.93 PHP in within minutes when you pay by bank transfer and choose bank deposit.
Sending a gift from Finland can trigger gift tax
Sending a gift from Finland can trigger gift tax
If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.
The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.
Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.
Cash sent to the recipient is treated as a normal gift because they can spend it on anything.
Large transfers may take longer
Large transfers may take longer
Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.
Keep the invoice, sale document or account statement ready.
SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Philippines.
Safety measures in Finland
Safety measures in Finland
An EEA company may be authorised in another country and operate in Finland through passporting.
If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.
Never move money to a so-called safe account or approve an unexpected bank-identification request.
When in doubt, check the company in the FIN-FSA supervised-entities register.
Finding the best rate to send money from Finland to Philippines
The exchange rate has a direct impact on how much PHP your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.
Mid-market rate:1 EUR = 71.074196 PHP
How we analyse the market
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 9 of them on EUR to Philippines, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.
Nothing appears without passing our review.
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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