Revolut is the fastest way to send money to the Philippines right now, with delivery in within minutes.
For the cheapest option, sending €7.000 with Regency FX will get you 493.897,22 PHP.
| 9 of 9 providers Last updated on 10 November 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/PHP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €45.47 1 EUR = 70.7416 PHP +0.01% vs mid-market | Recipient gets ₱491,974.58 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 = 70.7416 PHP ₱491,974.58You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 70.1644 PHP +0.83% vs mid-market | Recipient gets ₱491,150.80 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 = 70.1644 PHP ₱491,150.80You pay€7,000.00 | |||
Run a live search Showing top Netherlands 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 = 70.5567 PHP +0.27% vs mid-market | Recipient gets ₱493,897.22 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 = 70.5567 PHP ₱493,897.22You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 70.5355 PHP +0.30% vs mid-market | Recipient gets ₱493,748.64 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 = 70.5355 PHP ₱493,748.64You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 70.3940 PHP +0.50% vs mid-market | Recipient gets ₱492,758.18 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 = 70.3940 PHP ₱492,758.18You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €1.13 1 EUR = 70.3300 PHP +0.59% vs mid-market | Recipient gets ₱492,230.00 Minutes - 24 hours | |
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €1.131 EUR = 70.3300 PHP ₱492,230.00You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €45.47 1 EUR = 70.7416 PHP +0.01% vs mid-market | Recipient gets ₱491,974.58 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 = 70.7416 PHP ₱491,974.58You pay€7,000.00 | |||
| Wise Pay via iDEAL | Fee €55.58 1 EUR = 70.7416 PHP +0.01% vs mid-market | Recipient gets ₱491,259.38 Same day | |
Ways to receive money in Philippines with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €55.581 EUR = 70.7416 PHP ₱491,259.38You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 70.1644 PHP +0.83% vs mid-market | Recipient gets ₱491,150.80 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 = 70.1644 PHP ₱491,150.80You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 70.1644 PHP +0.83% vs mid-market | Recipient gets ₱491,150.80 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 = 70.1644 PHP ₱491,150.80You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 70.1644 PHP +0.83% vs mid-market | Recipient gets ₱491,150.80 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 = 70.1644 PHP ₱491,150.80You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.00 1 EUR = 69.8576 PHP +1.27% vs mid-market | Recipient gets ₱489,002.85 Minutes - 2 days | |
Ways to receive money in Philippines with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days Free1 EUR = 69.8576 PHP ₱489,002.85You pay€7,000.00 Bank depositMinutes - 2 days €0.991 EUR = 69.8576 PHP ₱488,933.69You pay€7,000.00 Cash pickupMinutes - 2 days €1.991 EUR = 69.8576 PHP ₱488,863.83You pay€7,000.00 Card depositMinutes - 2 days Free1 EUR = 69.4323 PHP ₱486,026.17You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €60.40 1 EUR = 70.4152 PHP +0.47% vs mid-market | Recipient gets ₱488,653.17 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €60.401 EUR = 70.4152 PHP ₱488,653.17You 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 = 70.7416 PHP +0.01% vs mid-market | Recipient gets ₱488,093.70 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 = 70.7416 PHP ₱488,093.70You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 69.4000 PHP +1.92% vs mid-market | Recipient gets ₱485,800.00 Minutes | |
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 = 70.7416 PHP +0.01% vs mid-market | Recipient gets ₱485,128.21 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 = 70.7416 PHP ₱485,128.21You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 70.4152 PHP +0.47% vs mid-market | Recipient gets ₱477,344.49 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 70.4152 PHP ₱477,344.49You 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 = 70.7478 PHP Updates every 60 minutes. | |||
Transfer details
For a one-off EUR transfer to the Philippines, I suggest picking the cheapest option which is Regency FX.
Regency FX was the cheapest on 22 of the 24 days it quoted €7.000 transfers to the Philippines.
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.
There are 4 ways to fund your transfer, including bank transfer, debit card, credit card, and iDEAL.
The most common way is to fund your account with iDEAL (Wero).
First time round you'll need a photo ID and a BSN.
On a first transfer to someone new, send a small amount and check it landed.
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 Regency FX was the cheapest in 92% of the transfers from €5,000 it quoted, and in 92% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| €500 | -1.38% | €0.00 | ₱35,828.70with debit card to bank deposit | +₱695.83 | |
| €1,000 | 0.00% | €0.00 | ₱70,750.00with credit card to bank deposit | +₱624.57 | |
| €2,000 | 0.58% | €1.13 | ₱140,540.00with bank transfer to bank deposit | +₱778.38 | |
| €5,000 | 0.30% | €0.00 | ₱352,240.24with bank transfer to bank deposit | +₱3,004.33 | |
| €7,000This page | 0.27% | €0.00 | ₱493,897.22with bank transfer to bank deposit | +₱4,341.03 |
Mid-market rate: 1 EUR = 70.7478 PHP
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 Regency FX), across 30 days of comparisons for 7.000 EUR transfers to the Philippines.
Tue, 10 Nov 2026Mid-market rate₱495,234.35 Regency FX ₱493,897.22Regency FX₱493,897.22TorFx₱493,748.64OFX₱492,758.18
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.2962 | – | ₱492,073.15 | |
| | 70.1064 | €0.00 | ₱490,744.55 | −₱1,328.60 |
| | 70.0853 | €0.00 | ₱490,596.93 | −₱1,476.22 |
| | 69.9447 | €0.00 | ₱489,612.78 | −₱2,460.37 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.1888 | – | ₱491,321.61 | |
 | 70.0424 | €0.00 | ₱490,296.52 | −₱1,025.09 |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.3418 | – | ₱492,392.64 | |
| | 70.1519 | €0.00 | ₱491,063.18 | −₱1,329.46 |
| | 70.1308 | €0.00 | ₱490,915.46 | −₱1,477.18 |
| | 69.9901 | €0.00 | ₱489,930.68 | −₱2,461.96 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 70.2800 | €80.00 | ₱491,880.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.7940 | – | ₱495,558.33 | |
| | 70.6029 | €0.00 | ₱494,220.32 | −₱1,338.01 |
| | 70.5817 | €0.00 | ₱494,071.65 | −₱1,486.68 |
| | 70.4401 | €0.00 | ₱493,080.54 | −₱2,477.79 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 70.4600 | €80.00 | ₱493,140.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.7785 | – | ₱495,449.19 | |
| | 70.5874 | €0.00 | ₱494,111.48 | −₱1,337.71 |
| | 70.5661 | €0.00 | ₱493,962.84 | −₱1,486.35 |
| | 70.4246 | €0.00 | ₱492,971.95 | −₱2,477.24 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.6659 | – | ₱494,661.24 | |
| | 70.4751 | €0.00 | ₱493,325.65 | −₱1,335.59 |
| | 70.4539 | €0.00 | ₱493,177.25 | −₱1,483.99 |
| | 70.3126 | €0.00 | ₱492,187.93 | −₱2,473.31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.8323 | – | ₱495,826.13 | |
| | 70.6411 | €0.00 | ₱494,487.40 | −₱1,338.73 |
| | 70.6198 | €0.00 | ₱494,338.65 | −₱1,487.48 |
| | 70.4781 | €0.00 | ₱493,347.00 | −₱2,479.13 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.2229 | – | ₱498,560.55 | |
| | 71.0306 | €0.00 | ₱497,214.44 | −₱1,346.11 |
| | 71.0093 | €0.00 | ₱497,064.87 | −₱1,495.68 |
| | 70.8668 | €0.00 | ₱496,067.75 | −₱2,492.80 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.3811 | – | ₱499,667.73 | |
| | 71.1884 | €0.00 | ₱498,318.63 | −₱1,349.10 |
| | 71.1670 | €0.00 | ₱498,168.72 | −₱1,499.01 |
| | 71.0242 | €0.00 | ₱497,169.39 | −₱2,498.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.2462 | – | ₱498,723.41 | |
| | 71.0538 | €0.00 | ₱497,376.86 | −₱1,346.55 |
| | 71.0325 | €0.00 | ₱497,227.24 | −₱1,496.17 |
| | 70.8900 | €0.00 | ₱496,229.80 | −₱2,493.61 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.2671 | – | ₱498,869.75 | |
| | 71.0747 | €0.00 | ₱497,522.80 | −₱1,346.95 |
| | 71.0533 | €0.00 | ₱497,373.14 | −₱1,496.61 |
| | 70.9108 | €0.00 | ₱496,375.40 | −₱2,494.35 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.2671 | – | ₱498,869.75 | |
| | 71.0747 | €0.00 | ₱497,522.80 | −₱1,346.95 |
| | 71.0533 | €0.00 | ₱497,373.14 | −₱1,496.61 |
| | 70.9108 | €0.00 | ₱496,375.40 | −₱2,494.35 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.6506 | – | ₱501,554.17 | |
| | 71.4571 | €0.00 | ₱500,199.97 | −₱1,354.20 |
| | 71.4356 | €0.00 | ₱500,049.50 | −₱1,504.66 |
| | 71.2923 | €0.00 | ₱499,046.39 | −₱2,507.77 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.5262 | – | ₱500,683.48 | |
| | 71.3331 | €0.00 | ₱499,331.63 | −₱1,351.85 |
| | 71.3116 | €0.00 | ₱499,181.43 | −₱1,502.05 |
| | 71.1686 | €0.00 | ₱498,180.06 | −₱2,503.42 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.2292 | – | ₱498,604.32 | |
| | 71.0369 | €0.00 | ₱497,258.09 | −₱1,346.23 |
| | 71.0155 | €0.00 | ₱497,108.51 | −₱1,495.81 |
| | 70.8730 | €0.00 | ₱496,111.30 | −₱2,493.02 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.1474 | – | ₱498,031.86 | |
| | 70.9553 | €0.00 | ₱496,687.17 | −₱1,344.69 |
| | 70.9340 | €0.00 | ₱496,537.76 | −₱1,494.10 |
| | 70.7917 | €0.00 | ₱495,541.70 | −₱2,490.16 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.2898 | – | ₱499,028.35 | |
| | 71.0973 | €0.00 | ₱497,680.97 | −₱1,347.38 |
| | 71.0759 | €0.00 | ₱497,531.26 | −₱1,497.09 |
| | 70.9333 | €0.00 | ₱496,533.21 | −₱2,495.14 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 70.6216 | €0.00 | ₱494,351.20 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
No data was collected on Sun, 1 Nov 2026.
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.2049 | – | ₱498,434.08 | |
| | 71.0126 | €0.00 | ₱497,088.31 | −₱1,345.77 |
| | 70.9913 | €0.00 | ₱496,938.78 | −₱1,495.30 |
| | 70.8488 | €0.00 | ₱495,941.91 | −₱2,492.17 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 70.6600 | €80.00 | ₱494,540.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 71.3877 | – | ₱499,713.96 | |
| | 71.1950 | €0.00 | ₱498,364.73 | −₱1,349.23 |
| | 71.1735 | €0.00 | ₱498,214.81 | −₱1,499.15 |
| | 71.0308 | €0.00 | ₱497,215.39 | −₱2,498.57 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.9003 | – | ₱496,302.30 | |
| | 70.7173 | €0.00 | ₱495,021.10 | −₱1,281.20 |
| | 70.7089 | €0.00 | ₱494,962.29 | −₱1,340.01 |
| | 70.6876 | €0.00 | ₱494,813.40 | −₱1,488.90 |
| | 70.5458 | €0.00 | ₱493,820.79 | −₱2,481.51 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.4660 | – | ₱493,262.07 | |
| | 70.3000 | €0.00 | ₱492,100.00 | −₱1,162.07 |
| | 70.2758 | €0.00 | ₱491,930.26 | −₱1,331.81 |
| | 70.2546 | €0.00 | ₱491,782.28 | −₱1,479.79 |
| | 70.1137 | €0.00 | ₱490,795.76 | −₱2,466.31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.3699 | – | ₱492,589.48 | |
| | 70.1799 | €0.00 | ₱491,259.49 | −₱1,329.99 |
| | 70.1588 | €0.00 | ₱491,111.71 | −₱1,477.77 |
| | 70.0181 | €0.00 | ₱490,126.53 | −₱2,462.95 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.3699 | – | ₱492,589.48 | |
| | 70.1799 | €0.00 | ₱491,259.49 | −₱1,329.99 |
| | 70.1588 | €0.00 | ₱491,111.71 | −₱1,477.77 |
| | 70.0181 | €0.00 | ₱490,126.53 | −₱2,462.95 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.7717 | – | ₱495,401.87 | |
| | 70.5806 | €0.00 | ₱494,064.29 | −₱1,337.58 |
| | 70.5594 | €0.00 | ₱493,915.67 | −₱1,486.20 |
| | 70.4178 | €0.00 | ₱492,924.86 | −₱2,477.01 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 70.7478 | – | ₱495,234.35 | |
| | 70.5567 | €0.00 | ₱493,897.22 | −₱1,337.13 |
| | 70.5355 | €0.00 | ₱493,748.64 | −₱1,485.71 |
| | 70.3940 | €0.00 | ₱492,758.18 | −₱2,476.17 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 70.7478 | – | ₱495,234.35 | |
|---|---|---|---|---|
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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.
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 the Netherlands.
Right now, Regency FX pays 493.897,22 PHP on 7.000 EUR, which is 1.337,13 PHP less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 500.199,97 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.
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.
Cheapest in 71% of them
Cheapest in 43% of them
Cheapest in 12% of them
Based on 35 comparisons across 5 amounts over the last 7 days.
Cheapest in 92% of them
Cheapest in 51% of them
Cheapest in 8% of them
Based on 146 comparisons across 5 amounts over the last 30 days.
Cheapest in 94% of them
Cheapest in 24% of them
Cheapest in 6% of them
Based on 205 comparisons across 5 amounts over the last 90 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, but it only quotes some of the amounts we track, so it isn't included in these figures.
9 companies send money from the Netherlands to the Philippines, across currency broker, app, online, multi-currency account, and global business account, and more.
For one-off transfers
Sending money to the Philippines online is simple.
Pick the Philippines, enter the amount, and pay with iDEAL (Wero) or bank transfer depending who you use.
Wise is the cheapest online option, sending €7.000 gets you 491.974,58 PHP with a €45,47 fee and 0,01% markup.
In our comparisons over the past month, it was the cheapest online service on 21 of the 27 days it quoted.
Frequent transfers abroad
For the regular transfer to the Philippines, apps are the easiest.
Wise charges €45,47 in fees on a €7.000 transfer with 0,01% markup, and the money can land directly in a mobile money wallet, no bank account needed on the receiving side.
Over the past month, Wise was the cheapest app on 70% of the days it appeared for €7.000 transfers.
You can pay for your transfer via bank transfer, debit card, credit card, and iDEAL but you can’t use Tikkie for deposits.
For large EUR transfers
Currency brokers are the best for large transfers from the Netherlands.
They handle the transfer for you, charge no fees, but add a markup on top of PHP rate.
For a property abroad or moving your savings, a broker like Regency FX is the best option.
Our analysis shows Regency FX was the cheapest broker in 96% of the transfers from €5,000 it quoted.
Holding, travelling, and receiving
These let you hold EUR and PHP in one account.
This is handy for receiving payments, spending PHP and EUR, or travelling to the Philippines.
Wise is the cheapest multi-currency account.
It converts €7.000 at 0,01% markup plus €45,47 fee and holds the PHP until you send or spend it.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
For ZZP'ers
Global accounts offer business tools and business transfers from the Netherlands.
Companies like Wise Business, Airwallex, or Payoneer offer batch payments, invoicing, admin tools, and more.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7.000 gives your recipient 493.897,22 PHP.
In the Philippines, the recipient can collect PHP through bank deposit, mobile money, cash pickup, card deposit, and mobile wallet.
They can collect cash
The recipient can collect PHP from a participating location in the Philippines with valid ID and the transfer reference.
You can deposit EUR using bank transfer, debit card, credit card, and iDEAL.
Paying through iDEAL (Wero)
Choose iDEAL (Wero) during the transfer, select your Dutch bank and approve the pre-filled payment.
This funds your balance without entering the company's account details manually.
To find the company with the best EUR/PHP rate offering iDEAL (Wero), use our deposit filter above.
You pay €7,000.00
₱493,897
Cheapest
You pay €7,000.00
₱491,259
-₱2,638
You pay €7,000.00
₱491,151
-₱2,746
You pay €7,000.00
₱491,151
-₱2,746
You pay €7,000.00
₱489,003
-₱4,894
You pay €7,000.00
₱488,864
-₱5,033
You pay €7,000.00
₱486,026
-₱7,871
You pay €7,000.00
₱485,800
-₱8,097
A few things to consider before sending money from the Netherlands to the Philippines.
Cheapest way to send money to the Philippines
The cheapest option for a €7.000 transfer is Regency FX, funded through bank transfer with bank deposit for the payout. Your recipient gets 493.897,22 PHP, which is 0,03% 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 in the Philippines. Your recipient gets 488.653,17 PHP in within minutes.
iDEAL remains the normal way to approve an online payment from a Dutch bank account.
Since 2026, the name and payment experience have been moving to Wero in stages.
Dutch rules treat a gift to someone abroad in the same way as a gift to someone in the Netherlands.
For 2026, the annual exemption is €6,908 when parents give to a child and €2,769 for most other recipients.
The recipient normally files the return if the total from the same donor exceeds the exemption.
The Belastingdienst explains gifts abroad and publishes the current exemptions.
Regularly paying a genuine shared expense is not automatically the same as making a gift, but keep records showing what the payment covered.
We track 9 companies sending EUR to the Philippines, all registered with De Nederlandsche Bank or passported in, and the rates update in real time on live searches.
We compare fees, exchange rates and how the money can be paid in and collected.
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.
Each company goes through our review before it appears here.
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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