Usually the cheapest
Online transfers
Companies like Wise will get you 506,102.01 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 4 September 2026 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 transfersAll 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. | |||
| Promoted  Wise Pay via Bank transfer | Fee €45.47 1 EUR = 72.7730 PHP +0.11% vs mid-market | Recipient gets ₱506,102.01 Within a week | |
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 = 72.7730 PHP ₱506,102.01You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 72.1488 PHP +0.97% vs mid-market | Recipient gets ₱505,041.60 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 = 72.1488 PHP ₱505,041.60You 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. | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 72.6559 PHP +0.27% vs mid-market | Recipient gets ₱508,591.31 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 = 72.6559 PHP ₱508,591.31You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 72.6340 PHP +0.30% vs mid-market | Recipient gets ₱508,438.32 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 = 72.6340 PHP ₱508,438.32You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 72.4883 PHP +0.50% vs mid-market | Recipient gets ₱507,418.39 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 = 72.4883 PHP ₱507,418.39You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €1.10 1 EUR = 72.4400 PHP +0.57% vs mid-market | Recipient gets ₱507,000.00 Minutes - 24 hours | |
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €1.101 EUR = 72.4400 PHP ₱507,000.00You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €45.47 1 EUR = 72.7730 PHP +0.11% vs mid-market | Recipient gets ₱506,102.01 Within a week | |
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 = 72.7730 PHP ₱506,102.01You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €55.58 1 EUR = 72.7730 PHP +0.11% vs mid-market | Recipient gets ₱505,366.28 Within a week | |
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 = 72.7730 PHP ₱505,366.28You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 72.1488 PHP +0.97% vs mid-market | Recipient gets ₱505,041.60 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 = 72.1488 PHP ₱505,041.60You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 72.1488 PHP +0.97% vs mid-market | Recipient gets ₱505,041.60 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 72.1488 PHP ₱505,041.60You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 72.1488 PHP +0.97% vs mid-market | Recipient gets ₱505,041.60 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 = 72.1488 PHP ₱505,041.60You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.99 1 EUR = 72.1551 PHP +0.96% vs mid-market | Recipient gets ₱505,014.27 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 = 72.1551 PHP ₱505,014.27You pay€7,000.00 Mobile moneyMinutes - 2 days €0.991 EUR = 71.9732 PHP ₱503,741.50You pay€7,000.00 Cash pickupMinutes - 2 days €2.991 EUR = 71.9005 PHP ₱503,088.66You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 72.0000 PHP +1.18% vs mid-market | Recipient gets ₱504,000.00 Minutes | |
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 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 72.5483 PHP +0.42% vs mid-market | Recipient gets ₱502,723.60 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 72.5483 PHP ₱502,723.60You 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 Debit card | Fee €100.33 1 EUR = 72.7730 PHP +0.11% vs mid-market | Recipient gets ₱502,109.68 Within a week | |
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 = 72.7730 PHP ₱502,109.68You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €142.25 1 EUR = 72.7730 PHP +0.11% vs mid-market | Recipient gets ₱499,059.04 Within a week | |
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 = 72.7730 PHP ₱499,059.04You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 72.5483 PHP +0.42% vs mid-market | Recipient gets ₱491,805.08 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 72.5483 PHP ₱491,805.08You 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 = 72.852604 PHP Updates every 60 minutes. | |||
Transfer details
Transfer details
How to send money from Finland to Philippines
Pick a company
For a one-off transfer to Philippines, start with Regency FX.
On a 7,000 EUR transfer, Regency FX 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 broker, app, 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.
Wise charges €45.47 on a €7,000 transfer, and 506,102.01 PHP arrives in within a week.
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 506,102.01 PHP (€45.47 in fees and 0.11% 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.
Regency FX charges no fee but adds 0.27% markup on top of the EUR/PHP rate.
Ways to fund EUR and receive PHP in Philippines
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 508,591.31 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 Bank transfer Bank deposit
You pay €7,000.00
₱508,591
Cheapest
- 2 Ideal Bank deposit
You pay €7,000.00
₱505,366
-₱3,225
- 3 Debit card Bank deposit
You pay €7,000.00
₱505,042
-₱3,550
- 4 Credit card Bank deposit
You pay €7,000.00
₱505,042
-₱3,550
- 5 Debit card Cash pickup
You pay €7,002.49
₱504,000
-₱4,591
Show moreShow less
- 6 Debit card Mobile money
You pay €7,000.00
₱504,000
-₱4,591
- 7 Debit card Mobile wallet
You pay €7,000.00
₱504,000
-₱4,591
- 8 Debit card Card deposit
You pay €7,000.85
₱504,000
-₱4,591
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
Regency FX is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 508,591.31 PHP, which is 0.03% more than the next best option.
Fastest
Revolut delivers 502,723.6 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 = 72.854307 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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