Best companies for EUR/PHP transfers
11 of 11 providers Last updated on 10 November 2026
Based on 7,000 EUR transfer Best companies for EUR/PHP transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €45.47 1 EUR = 70.6672 PHP 0.00% vs mid-market	Recipient gets ₱491,457.16 Same day
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 depositSame dayAvailable via:Bank Transfer €45.471 EUR = 70.6672 PHP ₱491,457.16You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 70.0797 PHP +0.83% vs mid-market	Recipient gets ₱490,557.90 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 = 70.0797 PHP ₱490,557.90You pay€7,000.00
Run a live search Showing top France 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.
Only available via Mobile App Sendwave Pay via Debit card	Fee €0.99 1 EUR = 70.4900 PHP +0.25% vs mid-market	Recipient gets ₱493,359.93 Minutes - 3 days
6 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in Philippines with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 3 days €0.991 EUR = 70.4900 PHP ₱493,359.93You pay€7,000.00 Bank depositMinutes - 3 days €0.991 EUR = 70.4900 PHP ₱493,359.93You pay€7,000.00 Cash pickupMinutes - 3 days €1.991 EUR = 69.9241 PHP ₱489,329.27You pay€7,000.00 Card depositMinutes - 3 days Free1 EUR = 68.7310 PHP ₱481,116.86You pay€7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 70.4754 PHP +0.27% vs mid-market	Recipient gets ₱493,328.05 Minutes - 24 hours
9 reviews 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 = 70.4754 PHP ₱493,328.05You pay€7,000.00
TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 70.4542 PHP +0.30% vs mid-market	Recipient gets ₱493,179.65 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 = 70.4542 PHP ₱493,179.65You pay€7,000.00
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee €0.99 1 EUR = 70.4118 PHP +0.36% vs mid-market	Recipient gets ₱492,882.60 Minutes - 24 hours
2 reviews
Ways to receive money in Philippines with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets, GCash €0.991 EUR = 70.4118 PHP ₱492,882.60You pay€7,000.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card Free1 EUR = 69.9573 PHP ₱489,701.10You pay€7,000.00 Bank depositMinutes - 24 hoursAvailable via:All Banks €2.991 EUR = 69.7745 PHP ₱488,421.50You pay€7,002.99 Cash pickupMinutes - 24 hours €4.991 EUR = 69.7735 PHP ₱488,414.50You pay€7,004.99

$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee €0.99 1 EUR = 70.4118 PHP +0.36% vs mid-market	Recipient gets ₱492,882.60 Minutes - 24 hours
2 reviews
Ways to receive money in Philippines with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets, GCash €0.991 EUR = 70.4118 PHP ₱492,882.60You pay€7,000.99 Bank depositMinutes - 24 hoursAvailable via:All Banks €2.991 EUR = 69.7745 PHP ₱488,421.50You pay€7,002.99 Cash pickupMinutes - 24 hours €4.991 EUR = 69.7735 PHP ₱488,414.50You pay€7,004.99
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee €0.99 1 EUR = 70.4118 PHP +0.36% vs mid-market	Recipient gets ₱492,882.60 Minutes - 24 hours
2 reviews
Ways to receive money in Philippines with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets, GCash €0.991 EUR = 70.4118 PHP ₱492,882.60You pay€7,000.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card Free1 EUR = 69.9573 PHP ₱489,701.10You pay€7,000.00 Bank depositMinutes - 24 hoursAvailable via:All Banks €2.991 EUR = 69.7745 PHP ₱488,421.50You pay€7,002.99 Cash pickupMinutes - 24 hours €4.991 EUR = 69.7735 PHP ₱488,414.50You pay€7,004.99
Only available via Mobile App WorldRemit Pay via Debit card	Fee €0.00 1 EUR = 70.3485 PHP +0.45% vs mid-market	Recipient gets ₱492,439.36 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 Cash pickupMinutes - 2 days Free1 EUR = 70.3485 PHP ₱492,439.36You pay€7,000.00 Mobile moneyMinutes - 2 days Free1 EUR = 70.3485 PHP ₱492,439.36You pay€7,000.00 Bank depositMinutes - 2 days €0.991 EUR = 70.3485 PHP ₱492,369.72You pay€7,000.00 Card depositMinutes - 2 days Free1 EUR = 69.8531 PHP ₱488,971.84You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 70.3129 PHP +0.50% vs mid-market	Recipient gets ₱492,190.32 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 = 70.3129 PHP ₱492,190.32You pay€7,000.00
CurrencyFair Pay via Bank transfer	Fee €1.13 1 EUR = 70.2600 PHP +0.58% vs mid-market	Recipient gets ₱491,740.00 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 €1.131 EUR = 70.2600 PHP ₱491,740.00You pay€7,000.00
Wise Pay via Bank transfer	Fee €45.47 1 EUR = 70.6672 PHP 0.00% vs mid-market	Recipient gets ₱491,457.16 Same day
25 reviews Our top pick 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 depositSame dayAvailable via:Bank Transfer €45.471 EUR = 70.6672 PHP ₱491,457.16You pay€7,000.00
Wise Pay via iDEAL	Fee €55.58 1 EUR = 70.6672 PHP 0.00% vs mid-market	Recipient gets ₱490,742.72 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Philippines with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €55.581 EUR = 70.6672 PHP ₱490,742.72You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 70.0797 PHP +0.83% vs mid-market	Recipient gets ₱490,557.90 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 = 70.0797 PHP ₱490,557.90You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 70.0797 PHP +0.83% vs mid-market	Recipient gets ₱490,557.90 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 = 70.0797 PHP ₱490,557.90You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 70.0797 PHP +0.83% vs mid-market	Recipient gets ₱490,557.90 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 = 70.0797 PHP ₱490,557.90You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €70.50 1 EUR = 70.3631 PHP +0.43% vs mid-market	Recipient gets ₱487,581.14 Within minutes
10 reviews Fastest 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 = 70.3631 PHP ₱487,581.14You 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 = 70.6672 PHP 0.00% vs mid-market	Recipient gets ₱487,580.36 Same day
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 depositSame dayAvailable via:Bank Transfer €100.331 EUR = 70.6672 PHP ₱487,580.36You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 69.4000 PHP +1.81% vs mid-market	Recipient gets ₱485,800.00 Minutes
2 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 = 69.4000 PHP ₱485,800.00You pay€7,000.00 Mobile walletMinutesAvailable via:Coins.ph, GCash, Maya Free1 EUR = 69.4000 PHP ₱485,800.00You pay€7,000.00 Mobile moneyMinutesAvailable via:Globe Free1 EUR = 69.4000 PHP ₱485,800.00You pay€7,000.00 Card depositMinutesAvailable via:Pay To Card €0.851 EUR = 69.4000 PHP ₱485,800.00You pay€7,000.85 Cash pickupMinutesAvailable via:Cebuana, Palawan Pawnshop & Others €2.491 EUR = 69.4000 PHP ₱485,800.00You pay€7,002.49
Wise Pay via Credit card	Fee €142.25 1 EUR = 70.6672 PHP 0.00% vs mid-market	Recipient gets ₱484,617.99 Same day
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 depositSame dayAvailable via:Bank Transfer €142.251 EUR = 70.6672 PHP ₱484,617.99You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee €221.00 1 EUR = 70.3631 PHP +0.43% vs mid-market	Recipient gets ₱476,991.49 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 = 70.3631 PHP ₱476,991.49You 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 = 70.6662 PHP Updates every 60 minutes.

Why compare

EUR/PHP exchange rate

Best ways to pay & receive

Transfer speed

How to send money from France to Philippines

Pick a company

Start with the cheapest, which is Sendwave at 493,359.93 PHP on a €7,000 transfer.

Sendwave was the cheapest on 2 of the 28 days it quoted €7,000 transfers to the Philippines.

Fund your transfer

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

A euro virement to the money transfer company is cheap and arrives in seconds.

Verify and send

First time round you'll need a photo ID and a RIB or proof of address to verify your account.

Do it before making a transfer, it's the main thing that holds up transfers, and it only needs doing once.

Compare amounts

How much EUR are you sending to Philippines?

How much EUR you send to the 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 Sendwave was the cheapest in 9% of the transfers from €5,000 it quoted, and in 4% of all the transfers it quoted.


€500	-1.32%	€0.00	₱35,828.70with debit card to bank deposit	+₱628.45
€1,000	-0.80%	€0.00	₱71,320.00with debit card to bank deposit	+₱993.37
€2,000	0.20%	€0.00	₱141,140.00with debit card to bank deposit	+₱1,000.57
€5,000	0.17%	€0.99	₱352,380.01with debit card to mobile money	+₱2,547.93
€7,000This page	0.25%	€0.99	₱493,359.93with debit card to mobile money	+₱3,289.95

Mid-market rate: 1 EUR = 70.6662 PHP

EUR/PHP Exchange Rate History

Is today a good time to send money from France to Philippines?

The cheapest way to send EUR 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 Sendwave), across 30 days of comparisons for 7,000 EUR transfers to the Philippines.

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 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 EUR than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 4 of the last 30 days.

Right now, Sendwave pays 493,359.93 PHP on 7,000 EUR, which is 1,303.71 PHP less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 500,789.10 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.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to the Philippines.

We've tracked 146 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

SendwaveAppeared in 124 comparisons
Cheapest in 4% of them
Regency FXAppeared in 29 comparisons
Cheapest in 41% of them
TorFxAppeared in 56 comparisons
Cheapest in 23% of them

Based on 146 comparisons across 5 amounts over the last 30 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 Sendwave is the cheapest and gets you the most PHP, but it was the cheapest in only 4% of the 124 comparisons it appeared in over the past month.

If it's a one-off transfer, go with Sendwave, since it's the cheapest right now.

Ways to send money from France to Philippines

11 companies send money from France to the Philippines. You can do it via app, currency broker, online, multi-currency account, global business account, and in person.

For regular transfers from France

Money transfer apps

If you’re sending €50 to €200 to a family in the Philippines, apps like Sendwave are the easiest way.

Over the past month, Sendwave was the cheapest app on 43% of the days it appeared for €7,000 transfers.

Sendwave charges €0.99 on a €7,000 transfer, and the PHP arrives in minutes - 3 days, often straight into a mobile money wallet, so your family doesn't need a bank account to receive it.

For one-off transfers

Online transfers

When converting EUR to PHP, an online service like MoneyGram is always cheaper than the bank's international virement.

Sending €7,000 with MoneyGram gets you 492,882.60 PHP with a €0.99 fee and 0.36% markup.

In our comparisons over the past month, it was the cheapest online service on 24 of the 30 days it quoted.

For travelling & receiving

Challenger banks

Challenger banks like Wise are cheaper than high-street banks, and are perfect for travelling, receiving money, and making occasional transfers to the Philippines.

On a €7,000 transfer, Wise gets you 491,457.16 PHP vs 493,359.93 PHP using Sendwave.

It's always , and choosing based on purpose and how much you get.

Companies like Wise offer great multi-currency features:

Hold EUR and PHP
Convert between them any time
Spend in PHP abroad or online
Receive EUR or PHP like a local

Our data shows Wise came out cheapest among challenger banks and multi-currency accounts on 100% of days in the past month.

Sending large sums from France

Currency brokers

If you’re selling a property in France, repatriating a pension, moving to the Philippines, or making any other large transfer, then you need a currency broker.

Regency FX charges no fee but adds 0.27% markup on EUR/PHP interbank rate.

And the more you transfer, the better rate you will get.

Our analysis shows Regency FX was the cheapest broker in 97% of the transfers from €5,000 it quoted.

Also, many French banks cap transfers around €15,000/transfer, make sure to increase the limits in advance if you need to.

International business payments

Global accounts

Global accounts are for businesses in France paying suppliers abroad, getting paid by foreign clients, or operating in multiple currencies.

Companies like Airwallex, Wise Business, or Payoneer are the best for this.

Ways to fund EUR and receive PHP in Philippines

With Sendwave, paying by debit card and receiving through mobile money is the cheapest combination. Sending €7,000 gives your recipient 493,359.93 PHP.

Fund the transfer from France by bank transfer, debit card, credit card, and iDEAL.

You can pay by virement

Send the money by bank transfer from your French RIB or IBAN.

SEPA Instant can be instant for funding your transfer, but delivery speed to the Philippines depends on the payout method.

Your recipient in the Philippines can collect PHP through bank deposit, cash pickup, card deposit, mobile money, and mobile wallet.

They can collect cash in the Philippines

Your recipient can collect PHP from a participating agent location in the Philippines. They should take a valid photo ID and the collection reference.

1

Debit card Mobile money

You pay €7,000.00

₱493,360

Cheapest
2

Debit card Bank deposit

You pay €7,000.00

₱493,360

₱0
3

Bank transfer Bank deposit

You pay €7,000.00

₱493,328

-₱32
4

Debit card Mobile wallet

You pay €7,000.99

₱492,883

-₱477
5

Bank transfer Mobile wallet

You pay €7,000.99

₱492,883

-₱477

Show moreShow less

6

Credit card Mobile wallet

You pay €7,000.99

₱492,883

-₱477
7

Debit card Cash pickup

You pay €7,000.00

₱492,439

-₱921
8

iDEAL Bank deposit

You pay €7,000.00

₱490,743

-₱2,617
9

Credit card Bank deposit

You pay €7,000.00

₱490,558

-₱2,802
10

Debit card Card deposit

You pay €7,000.00

₱489,701

-₱3,659
11

Credit card Card deposit

You pay €7,000.00

₱489,701

-₱3,659
12

Bank transfer Cash pickup

You pay €7,004.99

₱488,415

-₱4,945
13

Credit card Cash pickup

You pay €7,004.99

₱488,415

-₱4,945

What to consider before sending EUR to Philippines

From France, the important split is whether the money stays in euros or changes currency. Cash funding and non-bank protection work differently too.

Compare the EUR/PHP options

For a €7,000 transfer to the Philippines, these are the best ways to start with:

Cheapest way to send money to the Philippines

The cheapest option is Sendwave, funded by debit card with mobile money for the payout. Your recipient gets 493,359.93 PHP, which is 0.01% more than the next best option.

Fastest way to send money to the Philippines

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 487,581.14 PHP in within minutes.

France caps cash payments

If you are a tax resident in France, you can pay up to €1,000 in cash to a transfer company.

This limits the cash payment, rather than the amount you can send abroad.

For a larger transfer, pay by bank transfer or card.

Expect a justificatif on a large transfer

French banks and transfer companies can ask for a justificatif (proof) showing where the money came from and why it is being sent.

For property, tuition or moving savings abroad, keep the sale document, invoice or recent bank statement ready.

Your bank may also have a lower daily virement limit, which you can ask it to raise before the payment is due.

FGDR deposit guarantee

The FGDR deposit guarantee covers eligible bank deposits up to €100,000 per customer and bank.

Payment and e-money institutions are not members of the FGDR, although they must protect customer funds through safeguarding arrangements (keeping your funds separate to theirs).

If in doubt, check REGAFI to see whether a bank, payment institution or e-money institution is authorised to operate in France.

How we analyse the market

Most of our pricing comes straight from the companies, and the rest we collect by hand and label in the table.

That covers 11 ACPR-registered companies sending EUR to the Philippines, with the rates refreshed in real time on live EUR/PHP searches.

In the past 30 days alone, we analysed 146 comparisons across 5 amounts.

This page covers the cheapest and fastest options for EUR/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.

We compare fees, rates and the ways money can be paid in and received, and each company also goes through 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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Send money to Philippines

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Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.3592	–	₱492,514.44
MoneyGram Cheapest	70.1846	€0.99	₱491,292.20	−₱1,222.23
Regency FX	70.1692	€0.00	₱491,184.65	−₱1,329.78
TorFx	70.1481	€0.00	₱491,036.89	−₱1,477.54
Sendwave	70.1055	€0.99	₱490,669.24	−₱1,845.20

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.2505	–	₱491,753.47
MoneyGram Cheapest	70.1774	€0.99	₱491,241.80	−₱511.67
Regency FX	70.0608	€0.00	₱490,425.74	−₱1,327.73
TorFx	70.0397	€0.00	₱490,278.21	−₱1,475.26
Sendwave No quote collected this day	–	–	–	–

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.4711	–	₱493,297.38
Regency FX Cheapest	70.2808	€0.00	₱491,965.48	−₱1,331.90
TorFx	70.2596	€0.00	₱491,817.49	−₱1,479.89
Sendwave	70.1650	€0.99	₱491,085.61	−₱2,211.77

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.6407	–	₱494,484.64
MoneyGram Cheapest	70.4725	€0.99	₱493,307.50	−₱1,177.14
Regency FX	70.4499	€0.00	₱493,149.53	−₱1,335.11
Sendwave	70.4506	€0.99	₱493,084.52	−₱1,400.12
TorFx	70.4287	€0.00	₱493,001.19	−₱1,483.45

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.8526	–	₱495,967.96
Regency FX Cheapest	70.6613	€0.00	₱494,628.85	−₱1,339.11
TorFx	70.6400	€0.00	₱494,480.06	−₱1,487.90
Sendwave	70.5948	€0.99	₱494,093.78	−₱1,874.18

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.7785	–	₱495,449.19
MoneyGram Cheapest	70.6443	€0.99	₱494,510.10	−₱939.09
Regency FX	70.5874	€0.00	₱494,111.48	−₱1,337.71
TorFx	70.5661	€0.00	₱493,962.84	−₱1,486.35
Sendwave	70.4574	€0.99	₱493,132.33	−₱2,316.86

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.6377	–	₱494,463.83
MoneyGram Cheapest	70.7329	€0.99	₱495,130.30	+₱666.47
Sendwave	70.5365	€0.99	₱493,685.60	−₱778.23
Regency FX	70.4470	€0.00	₱493,128.78	−₱1,335.05
TorFx	70.4258	€0.00	₱492,980.44	−₱1,483.39

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.8248	–	₱495,773.54
Regency FX Cheapest	70.6336	€0.00	₱494,434.95	−₱1,338.59
TorFx	70.6123	€0.00	₱494,286.22	−₱1,487.32
Sendwave	70.5779	€0.99	₱493,975.64	−₱1,797.90

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.0833	–	₱497,582.80
Regency FX Cheapest	70.8913	€0.00	₱496,239.33	−₱1,343.47
TorFx	70.8700	€0.00	₱496,090.05	−₱1,492.75
Sendwave	70.8178	€0.99	₱495,654.42	−₱1,928.38

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.3297	–	₱499,307.70
Regency FX Cheapest	71.1371	€0.00	₱497,959.57	−₱1,348.13
TorFx	71.1157	€0.00	₱497,809.77	−₱1,497.93
Sendwave	71.0079	€0.99	₱496,984.86	−₱2,322.84

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.2377	–	₱498,664.14
Regency FX Cheapest	71.0454	€0.00	₱497,317.74	−₱1,346.40
TorFx	71.0240	€0.00	₱497,168.15	−₱1,495.99
Sendwave	70.9148	€0.99	₱496,333.46	−₱2,330.68

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.2671	–	₱498,869.75
Regency FX Cheapest	71.0747	€0.00	₱497,522.80	−₱1,346.95
TorFx	71.0533	€0.00	₱497,373.14	−₱1,496.61
Sendwave	70.9939	€0.99	₱496,887.09	−₱1,982.66

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.6434	–	₱501,503.67
MoneyGram Cheapest	71.4780	€0.99	₱500,346.00	−₱1,157.67
Regency FX	71.4499	€0.00	₱500,149.61	−₱1,354.06
TorFx	71.4285	€0.00	₱499,999.16	−₱1,504.51
Sendwave No quote collected this day	–	–	–	–

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.5633	–	₱500,943.32
MoneyGram Cheapest	71.5413	€0.99	₱500,789.10	−₱154.22
Regency FX	71.3701	€0.00	₱499,590.78	−₱1,352.54
TorFx	71.3486	€0.00	₱499,440.49	−₱1,502.83
Sendwave	71.1832	€0.99	₱498,211.72	−₱2,731.60

Wed, 28 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.2026	–	₱498,417.92
MoneyGram Cheapest	71.2539	€0.99	₱498,777.30	+₱359.38
Regency FX	71.0103	€0.00	₱497,072.19	−₱1,345.73
TorFx	70.9890	€0.00	₱496,922.67	−₱1,495.25
Sendwave	70.9796	€0.99	₱496,787.14	−₱1,630.78

Thu, 29 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.1584	–	₱498,108.79
TapTap Send Cheapest	71.0000	€0.00	₱497,000.00	−₱1,108.79
Sendwave	70.9017	€0.99	₱496,241.36	−₱1,867.43
Regency FX No quote collected this day	–	–	–	–
TorFx No quote collected this day	–	–	–	–

Fri, 30 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.2672	–	₱498,870.67
Regency FX Cheapest	71.0748	€0.00	₱497,523.72	−₱1,346.95
TorFx	71.0534	€0.00	₱497,374.05	−₱1,496.62
Sendwave	70.9927	€0.99	₱496,878.62	−₱1,992.05

Sat, 31 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.4525	–	₱500,167.50
Regency FX Cheapest	71.2596	€0.00	₱498,817.05	−₱1,350.45
TorFx	71.2381	€0.00	₱498,667.00	−₱1,500.50
Sendwave	70.9532	€0.99	₱496,602.02	−₱3,565.48

Mon, 2 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.1707	–	₱498,195.20
MoneyGram Cheapest	71.1909	€0.99	₱498,336.30	+₱141.10
Regency FX	70.9786	€0.00	₱496,850.07	−₱1,345.13
TorFx	70.9572	€0.00	₱496,700.62	−₱1,494.58
Sendwave	70.9407	€0.99	₱496,514.60	−₱1,680.60

Tue, 3 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.0988	–	₱497,691.84
MoneyGram Cheapest	71.0479	€0.99	₱497,335.30	−₱356.54
Regency FX	70.9069	€0.00	₱496,348.07	−₱1,343.77
TorFx	70.8855	€0.00	₱496,198.76	−₱1,493.08
Sendwave	70.8205	€0.99	₱495,673.74	−₱2,018.10

Wed, 4 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	71.4147	–	₱499,902.86
Regency FX Cheapest	71.2219	€0.00	₱498,553.12	−₱1,349.74
TorFx	71.2004	€0.00	₱498,403.15	−₱1,499.71
Sendwave	71.0755	€0.99	₱497,457.86	−₱2,445.00

Thu, 5 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.9108	–	₱496,375.26
MoneyGram Cheapest	70.7611	€0.99	₱495,327.70	−₱1,047.56
Sendwave	70.7319	€0.99	₱495,053.35	−₱1,321.91
Regency FX	70.7193	€0.00	₱495,035.05	−₱1,340.21
TorFx	70.6980	€0.00	₱494,886.14	−₱1,489.12

Fri, 6 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.4822	–	₱493,375.68
MoneyGram Cheapest	70.6477	€0.99	₱494,533.90	+₱1,158.22
Sendwave	70.3685	€0.99	₱492,509.56	−₱866.12
Regency FX	70.2919	€0.00	₱492,043.57	−₱1,332.11
TorFx	70.2708	€0.00	₱491,895.55	−₱1,480.13

Sat, 7 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.3699	–	₱492,589.48
WorldRemit Cheapest	70.2647	€0.00	₱491,852.97	−₱736.51
Sendwave	70.2536	€0.99	₱491,705.79	−₱883.69
Regency FX	70.1799	€0.00	₱491,259.49	−₱1,329.99
TorFx	70.1588	€0.00	₱491,111.71	−₱1,477.77

Mon, 9 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	70.6862	–	₱494,803.65
MoneyGram Cheapest	70.5374	€0.99	₱493,761.80	−₱1,041.85
Regency FX	70.4954	€0.00	₱493,467.68	−₱1,335.97
TorFx	70.4742	€0.00	₱493,319.24	−₱1,484.41
Sendwave	70.3845	€0.99	₱492,621.75	−₱2,181.90

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