Best companies for KWD/PHP transfers
2 of 2 providers Last updated on 10 November 2026
Based on 2,159 KWD transfer Best companies for KWD/PHP transfers Sort Cheapest
Promoted Xe Pay via Bank transfer	Fee KWD 0.00 1 KWD = 197.3935 PHP +2.54% vs mid-market	Recipient gets ₱426,172.57 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 KWD = 197.3935 PHP ₱426,172.57You payKWD 2,159.00
Promoted Regency FX Pay via Bank transfer	Fee KWD 0.00 1 KWD = 201.9294 PHP +0.27% vs mid-market	Recipient gets ₱435,965.63 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 KWD = 201.9294 PHP ₱435,965.63You payKWD 2,159.00
Run a live search Showing top Kuwait to Philippines deals for 2,159 KWD. 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 KWD 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 KWD you're planning to spend in Philippines.
Run a live search These are managed services with real human support for large KWD 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 KWD 0.00 1 KWD = 201.9294 PHP +0.27% vs mid-market	Recipient gets ₱435,965.63 Minutes - 24 hours
9 reviews Cheapest 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 KWD = 201.9294 PHP ₱435,965.63You payKWD 2,159.00
Xe Pay via Bank transfer	Fee KWD 0.00 1 KWD = 197.3935 PHP +2.54% vs mid-market	Recipient gets ₱426,172.57 Minutes - 24 hours
4 reviews FastestOur top pick 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 KWD = 197.3935 PHP ₱426,172.57You payKWD 2,159.00
How Our Results Work Mid-market rate: 1 KWD = 202.4761 PHP Updates every 60 minutes.

Why compare

KWD/PHP exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Kuwait to Philippines

Pick a company

For a one-off transfer from Kuwait, I suggest picking the cheapest option which is Regency FX.

Regency FX was the cheapest on 30 of the 30 days it quoted KWD2,159 transfers to the Philippines.

On a 2,159 KWD transfer, Regency FX delivers the most PHP.

This will change depending on how much you actually send, so I suggest running a live search to get the best KWD/PHP rate.

Fund your transfer

You have 1 ways to deposit money, including bank transfer.

Cash still works, with a daily limit on how much.

Verify and send

You'll need your Civil ID to register and to send money to the Philippines.

Anything above KD 3,000 will likely need two months of bank statements, so have them ready rather than starting from scratch.

KWD/PHP Exchange Rate History

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

The cheapest way to send KWD 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 Regency FX), across 30 days of comparisons for 2,159 KWD transfers to the Philippines.

Each line shows what the recipient gets when you send KWD 2,159, after fees, as quoted by each company. The mid-market line shows what KWD 2,159 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 KWD than the mid-market rate can offer.

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

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of PHP on every transfer from Kuwait.

Right now, Regency FX pays 435,965.63 PHP on 2,159 KWD, which is 1,180.30 PHP less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 443,500.93 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 30 comparisons to check how often today's top companies were the cheapest across 1 amounts over the past month.

Regency FXAppeared in 30 comparisons
Cheapest every time
XeAppeared in 29 comparisons
Never the cheapest

Based on 30 comparisons across 1 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 Regency FX is the cheapest and gets you the most PHP, and it was also the cheapest in 100% of the 30 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to the Philippines.

Xe (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to the Philippines.

Ways to send money from Kuwait to Philippines

2 companies send money from Kuwait to the Philippines, mostly through currency broker, online, and app, and more below.

For sending KWD online

Apps & online transfers

There aren’t many options to send KWD online.

One of the best and cheapest options is Xe.

Sending KWD2,159 gets you 426,172.57 PHP with a 0 fee and 2.54% markup, usually in minutes - 24 hours.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 days it quoted.

Large transfers from Kuwait

Currency brokers

For large transfers from Kuwait like buying property in the Philippines or moving your savings out, a broker like Regency FX charges no fee and works on a margin (around 0.27% on KWD/PHP).

Our analysis shows Regency FX was the cheapest broker in 100% of all the transfers it quoted.

You will need your Civil ID, salary certificate, and bank statements ready.

Anything above KD 3,000 gets asked for them now, and having it ready makes the process faster.

For business accounts

Global accounts

If you’re paying employees, freelancers, or contractors in the Philippines, global accounts are a much better option than money transfer services.

Companies like Xe Business, Payoneer, or Veem offer features and tools better suited to businesses in Kuwait.

Ways to fund KWD and receive PHP in Philippines

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending KWD 2,159 gives your recipient 435,965.63 PHP.

To fund your transfer, use bank transfer.

To receive PHP, the options are bank deposit.

1

Bank transfer Bank deposit

You pay KWD2,159.00

₱435,966

Cheapest

Consider this before sending KWD to Philippines

Exchange companies are the main route out of Kuwait, and the best deal usually comes down to the KWD/PHP rate rather than the visible fee.

Compare Kuwait to Philippines transfer options

Cheapest way to send money to the Philippines

The cheapest option for a KWD 2,159 transfer is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 435,965.63 PHP, which is 2.25% more than the next best option.

Fastest way to send money to the Philippines

The fastest option is Regency FX. Pay by bank transfer and choose bank deposit in the Philippines. Your recipient gets 435,965.63 PHP in minutes - 24 hours.

Staying safe when sending KWD

Kuwait's exchange companies are supervised by the Central Bank of Kuwait.

A valid Civil ID is normally needed to register and send.

The company may also ask for the purpose of the transfer and source of funds, particularly when the amount is large or unusual for your account.

Keep the receipt and transfer reference until the PHP has arrived.

If an exchange company does not resolve a problem, you can submit a complaint directly through the CBK Customer Protection portal.

When in doubt, check the company in the CBK list of exchange companies.

KNET and WAMD do not send money abroad

KNET is Kuwait's domestic debit network, while WAMD moves money between participating Kuwaiti accounts using a mobile number.

Either may help you pay for the transfer to the Philippines depending on the company, but they can't send KWD directly to the Philippines.

Sort out a large transfer before leaving Kuwait

Moving savings or an end-of-service payment is easier while your Civil ID, Kuwait mobile number and bank access are still active.

Ask the bank or exchange company what documents it needs before the final payment reaches your account.

A salary certificate, bank statements or the end-of-service calculation may be requested.

How we analyse the market

We track 2 companies licensed by the Central Bank of Kuwait sending KWD to the Philippines.

The Kuwaiti dinar is pegged to a basket of currencies, so the KWD/PHP rate still moves with the US dollar. Our rates refresh in real time on live searches, alongside fees and the ways to pay and collect.

In the past 30 days alone, we analysed 30 comparisons across 1 amounts.

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

Each goes through our review first.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Kuwait

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Send money to Philippines

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Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	201.7735	–	₱435,628.92
Regency FX Cheapest	201.2287	KWD 0.00	₱434,452.72	−₱1,176.20
Xe	196.7557	KWD 0.00	₱424,795.56	−₱10,833.36

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	201.6254	–	₱435,309.21
Regency FX Cheapest	201.0810	KWD 0.00	₱434,133.87	−₱1,175.34
Xe	197.0539	KWD 0.00	₱425,439.37	−₱9,869.84

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	201.6927	–	₱435,454.55
Regency FX Cheapest	201.1481	KWD 0.00	₱434,278.82	−₱1,175.73
Xe	196.9428	KWD 0.00	₱425,199.51	−₱10,255.04

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	202.6537	–	₱437,529.40
Regency FX Cheapest	202.1066	KWD 0.00	₱436,348.07	−₱1,181.33
Xe	197.7251	KWD 0.00	₱426,888.49	−₱10,640.91

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	202.8574	–	₱437,969.16
Regency FX Cheapest	202.3097	KWD 0.00	₱436,786.64	−₱1,182.52
Xe No quote collected this day	–	–	–	–

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	202.6445	–	₱437,509.42
Regency FX Cheapest	202.0973	KWD 0.00	₱436,328.15	−₱1,181.27
Xe	195.2976	KWD 0.00	₱421,647.52	−₱15,861.90

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	202.8387	–	₱437,928.66
Regency FX Cheapest	202.2910	KWD 0.00	₱436,746.25	−₱1,182.41
Xe	197.4495	KWD 0.00	₱426,293.47	−₱11,635.19

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	203.1461	–	₱438,592.52
Regency FX Cheapest	202.5976	KWD 0.00	₱437,408.32	−₱1,184.20
Xe	197.8825	KWD 0.00	₱427,228.32	−₱11,364.20

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	204.4437	–	₱441,393.95
Regency FX Cheapest	203.8917	KWD 0.00	₱440,202.18	−₱1,191.77
Xe	198.5168	KWD 0.00	₱428,597.77	−₱12,796.18

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	204.7406	–	₱442,034.97
Regency FX Cheapest	204.1878	KWD 0.00	₱440,841.47	−₱1,193.50
Xe	198.8257	KWD 0.00	₱429,264.69	−₱12,770.28

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	204.7777	–	₱442,114.96
Regency FX Cheapest	204.2248	KWD 0.00	₱440,921.25	−₱1,193.71
Xe	199.7499	KWD 0.00	₱431,260.03	−₱10,854.93

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	204.7634	–	₱442,084.28
Regency FX Cheapest	204.2106	KWD 0.00	₱440,890.65	−₱1,193.63
Xe	197.4857	KWD 0.00	₱426,371.63	−₱15,712.65

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	205.8022	–	₱444,326.91
Regency FX Cheapest	205.2465	KWD 0.00	₱443,127.22	−₱1,199.69
Xe	200.8988	KWD 0.00	₱433,740.51	−₱10,586.40

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	205.9662	–	₱444,680.96
Regency FX Cheapest	205.4101	KWD 0.00	₱443,480.32	−₱1,200.64
Xe	201.1067	KWD 0.00	₱434,189.37	−₱10,491.59

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	205.9757	–	₱444,701.62
Regency FX Cheapest	205.4196	KWD 0.00	₱443,500.93	−₱1,200.69
Xe	201.3739	KWD 0.00	₱434,766.25	−₱9,935.37

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	205.4721	–	₱443,614.20
Regency FX Cheapest	204.9173	KWD 0.00	₱442,416.44	−₱1,197.76
Xe	200.6563	KWD 0.00	₱433,216.95	−₱10,397.25

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	204.8937	–	₱442,365.55
Regency FX Cheapest	204.3405	KWD 0.00	₱441,171.16	−₱1,194.39
Xe	199.4465	KWD 0.00	₱430,604.99	−₱11,760.56

Sat, Oct 31, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	204.9183	–	₱442,418.56
Regency FX Cheapest	204.3650	KWD 0.00	₱441,224.03	−₱1,194.53
Xe	197.1624	KWD 0.00	₱425,673.62	−₱16,744.94

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	204.3667	–	₱441,227.75
Regency FX Cheapest	203.8149	KWD 0.00	₱440,036.44	−₱1,191.31
Xe	199.1941	KWD 0.00	₱430,060.06	−₱11,167.69

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	203.8360	–	₱440,081.99
Regency FX Cheapest	203.2857	KWD 0.00	₱438,893.77	−₱1,188.22
Xe	198.8615	KWD 0.00	₱429,341.98	−₱10,740.01

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	204.1216	–	₱440,698.64
Regency FX Cheapest	203.5705	KWD 0.00	₱439,508.76	−₱1,189.88
Xe	198.9904	KWD 0.00	₱429,620.27	−₱11,078.37

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	202.5960	–	₱437,404.71
Regency FX Cheapest	202.0490	KWD 0.00	₱436,223.72	−₱1,180.99
Xe	197.3499	KWD 0.00	₱426,078.43	−₱11,326.28

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	203.2484	–	₱438,813.32
Regency FX Cheapest	202.6996	KWD 0.00	₱437,628.52	−₱1,184.80
Xe	197.6440	KWD 0.00	₱426,713.40	−₱12,099.92

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	202.9325	–	₱438,131.31
Regency FX Cheapest	202.3846	KWD 0.00	₱436,948.36	−₱1,182.95
Xe	195.3170	KWD 0.00	₱421,689.40	−₱16,441.91

Mon, Nov 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	203.3469	–	₱439,026.00
Regency FX Cheapest	202.7979	KWD 0.00	₱437,840.63	−₱1,185.37
Xe	198.7197	KWD 0.00	₱429,035.83	−₱9,990.17

How to send money to the Philippines from Kuwait with the best KWD-PHP rate

Best companies for KWD/PHP transfers