Regency FX is the cheapest right now for transfers from Italy. Using a bank transfer deposit into a bank deposit will get you 508,653.74 PHP in Philippines.
For speed, Revolut is fastest, with delivery in within minutes.
| 10 of 10 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 = 72.8317 PHP +0.04% vs mid-market | Recipient gets ₱506,510.24 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 = 72.8317 PHP ₱506,510.24You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 72.1360 PHP +1.00% vs mid-market | Recipient gets ₱504,952.00 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 = 72.1360 PHP ₱504,952.00You pay€7,000.00 | |||
Run a live search Showing top Italy 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 = 72.6648 PHP +0.27% vs mid-market | Recipient gets ₱508,653.74 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 = 72.6648 PHP ₱508,653.74You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 72.6430 PHP +0.30% vs mid-market | Recipient gets ₱508,500.73 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 = 72.6430 PHP ₱508,500.73You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 72.4972 PHP +0.50% vs mid-market | Recipient gets ₱507,480.67 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 = 72.4972 PHP ₱507,480.67You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €1.10 1 EUR = 72.4900 PHP +0.51% vs mid-market | Recipient gets ₱507,350.00 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 = 72.4900 PHP ₱507,350.00You pay€7,000.00 | |||
| Only available via Mobile App  Sendwave Pay via Debit card | Fee €0.99 1 EUR = 72.4824 PHP +0.52% vs mid-market | Recipient gets ₱507,305.11 Minutes - 3 days | |
Ways to receive money in Philippines with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 3 days €0.991 EUR = 72.4824 PHP ₱507,305.11You pay€7,000.00 Bank depositMinutes - 3 days €0.991 EUR = 72.4824 PHP ₱507,305.11You pay€7,000.00 Cash pickupMinutes - 3 days €1.991 EUR = 71.9005 PHP ₱503,160.56You pay€7,000.00 Card depositMinutes - 3 days Free1 EUR = 70.8038 PHP ₱495,626.32You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €45.47 1 EUR = 72.8317 PHP +0.04% vs mid-market | Recipient gets ₱506,510.24 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 = 72.8317 PHP ₱506,510.24You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.99 1 EUR = 72.3369 PHP +0.72% vs mid-market | Recipient gets ₱506,286.97 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 = 72.3369 PHP ₱506,286.97You pay€7,000.00 Cash pickupMinutes - 2 days Free1 EUR = 71.9005 PHP ₱503,303.64You pay€7,000.00 Mobile moneyMinutes - 2 days €2.991 EUR = 71.9005 PHP ₱503,088.66You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €55.58 1 EUR = 72.8317 PHP +0.04% vs mid-market | Recipient gets ₱505,773.91 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 = 72.8317 PHP ₱505,773.91You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 72.1360 PHP +1.00% vs mid-market | Recipient gets ₱504,952.00 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 = 72.1360 PHP ₱504,952.00You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 72.1360 PHP +1.00% vs mid-market | Recipient gets ₱504,952.00 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 = 72.1360 PHP ₱504,952.00You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 72.1360 PHP +1.00% vs mid-market | Recipient gets ₱504,952.00 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 = 72.1360 PHP ₱504,952.00You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 72.0000 PHP +1.19% 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 = 72.5577 PHP +0.42% vs mid-market | Recipient gets ₱502,788.75 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 72.5577 PHP ₱502,788.75You 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 = 72.8317 PHP +0.04% vs mid-market | Recipient gets ₱502,514.70 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 = 72.8317 PHP ₱502,514.70You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €142.25 1 EUR = 72.8317 PHP +0.04% vs mid-market | Recipient gets ₱499,461.59 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 = 72.8317 PHP ₱499,461.59You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 72.5577 PHP +0.42% vs mid-market | Recipient gets ₱491,868.81 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 72.5577 PHP ₱491,868.81You 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 = 72.861546 PHP Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Philippines, I suggest picking the cheapest option which is Regency FX.
On a 7,000 EUR transfer, Regency FX delivers the most PHP.
The best option will change depending on how much you actually send, so I suggest to get the best EUR/PHP rate.
You have 4 ways to fund your transfer: bank transfer, debit card, credit card, and ideal.
Sending money to Philippines directly with SEPA is expensive, but using it to fund the money transfer account, since its cheap and quick.
You can also use a debit card to fund the transfer, including the Postepay card.
First time round you'll need your codice fiscale and a photo ID to verify your account.
10 companies send money from Italy to Philippines. You can send EUR via app, broker, online, multi-currency account, and global account, and more below.
Regular transfers
For the regular transfer home, an app like Sendwave is the easiest and most convenient option.
Sendwave charges €0.99 on a €7,000 transfer, and 507,305.11 PHP lands in a mobile wallet in seconds, no bank account needed on their side.
For one-off transfers
Outside the euro transfers, a bank transfer passes through intermediary banks, and each one can take a cut along the way.
Online services skip this and use their own network (it’s much cheaper).
Wise delivers 506,510.24 PHP on €7,000 with a €45.47 fee and 0.04% markup.
Sending large sums
Managed services charge no fees and work on margin instead, and the more you send to Philippines, the better rate you will get.
Regency FX charges no fee and adds 0.27% on EUR/PHP rate.
Travelling and receiving
If you travel to Philippines often, or receive payments from there, this is the best option.
Multi-currency accounts let you hold EUR and PHP in one account, and give you local details.
I suggest trying Wise.
It holds EUR and PHP balances and charges small fees to convert between them.
For business payments
Global accounts are for businesses and freelancers with a partita IVA, paying suppliers abroad, invoicing foreign clients, holding a few currencies.
A few good options are Wise Business, Airwallex, and Payoneer.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 508,653.74 PHP.
In Italy, you can pay by bank transfer, debit card, credit card, and ideal.
Satispay and Bancomat Pay are mainly domestic payment methods, they do not send PHP to Philippines by themselves.
In Philippines, the recipient can use bank deposit, mobile money, cash pickup, card deposit, and mobile wallet.
In Philippines, they can collect cash through .
They need to take a photo ID and the collection reference to a participating location in Philippines.
You pay €7,000.00
₱508,654
Cheapest
You pay €7,000.00
₱507,305
-₱1,349
You pay €7,000.00
₱507,305
-₱1,349
You pay €7,000.00
₱505,774
-₱2,880
You pay €7,000.00
₱504,952
-₱3,702
You pay €7,002.49
₱504,000
-₱4,654
You pay €7,000.85
₱504,000
-₱4,654
You pay €7,000.00
₱504,000
-₱4,654
For a transfer from Italy, compare the amount received first. Then check whether you are making a SEPA payment, an extra-SEPA transfer or a cash-agent remittance, because each works differently.
These are the leading options for a €7,000 transfer to Philippines.
Cheapest way to send money to Philippines
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 508,653.74 PHP, which is 0.03% 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 502,788.75 PHP, with the money arriving in within minutes.
A bonifico can move euros from your Italian bank to the transfer company through SEPA.
Companies like Regency FX then convert the money into PHP and pay your recipient in Philippines through a local bank, a wallet, or a cash-pickup network.
SEPA may fund the transfer quickly, but the delivery time depends on the local payout method.
In Italy, the term "money transfer" often means a cash-agent shop rather than an online bank transfer.
The Banca d'Italia confirms that money remittance must be provided by a bank, electronic money institution or authorised payment institution.
Their Italian agents must appear in the OAM register.
Italian banks and transfer companies can pause a large, unusual or poorly explained payment while they check its purpose and source.
Use a clear causale and keep the document that explains the money ready.
For property proceeds, tuition or moving savings, tell the bank before the transfer is due.
If a payment-service complaint is not resolved directly, the Arbitro Bancario Finanziario is the Italian financial ombudsman route.
The exchange rate affects the final PHP amount, so compare today's quote with the recent EUR/PHP range before sending.
Mid-market rate:1 EUR = 72.857709 PHP
Every company here is registered with Banca d'Italia or passported in from elsewhere in the EU.
We track 10 of them on EUR to Philippines, comparing rates, fees and the ways to pay in and collect, updated in real time on live comparisons.
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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