Best companies for NZD/PHP transfers
7 of 7 providers Last updated on 10 November 2026
Based on 10,000 NZD transfer Best companies for NZD/PHP transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fees: $46.95 1 NZD = 35.5149 PHP 0.00% vs mid-market	Recipient gets ₱353,481.58 Same day
25 reviews Receive 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 $46.951 NZD = 35.5149 PHP ₱353,481.58You pay$10,000.00
Promoted Xe Pay via Bank transfer	Fees: $0.00 1 NZD = 35.2858 PHP +0.65% vs mid-market	Recipient gets ₱352,858.30 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 35.2858 PHP ₱352,858.30You pay$10,000.00
Run a live search Showing top New Zealand to Philippines deals for 10,000 NZD. 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 NZD 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 NZD you're planning to spend in Philippines.
Run a live search These are managed services with real human support for large NZD transfers. Click the link and update the transfer amount to get the best deal.
TorFx Pay via Bank transfer	Fees: $0.00 1 NZD = 35.4082 PHP +0.30% vs mid-market	Recipient gets ₱354,082.17 6-12 Hours
2 reviews Cheapest Receive to bank accountIdeal for buying property abroad
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 35.4082 PHP ₱354,082.17You pay$10,000.00
Wise Pay via Bank transfer	Fees: $46.95 1 NZD = 35.5149 PHP 0.00% vs mid-market	Recipient gets ₱353,481.58 Same day
25 reviews Our top pick Receive 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 $46.951 NZD = 35.5149 PHP ₱353,481.58You pay$10,000.00
OFX Pay via Bank transfer	Fees: $0.00 1 NZD = 35.3372 PHP +0.50% vs mid-market	Recipient gets ₱353,371.87 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in Philippines with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 35.3372 PHP ₱353,371.87You pay$10,000.00
CurrencyFair Pay via Bank transfer	Fees: $2.25 1 NZD = 35.2950 PHP +0.62% vs mid-market	Recipient gets ₱352,870.00 6-12 Hours
3 reviews Receive to bank account
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.251 NZD = 35.2950 PHP ₱352,870.00You pay$10,000.00
Xe Pay via Bank transfer	Fees: $0.00 1 NZD = 35.2858 PHP +0.65% vs mid-market	Recipient gets ₱352,858.30 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 35.2858 PHP ₱352,858.30You pay$10,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fees: $40.75 1 NZD = 35.3879 PHP +0.36% vs mid-market	Recipient gets ₱352,437.37 Within minutes
10 reviews Fastest Receive to bank account
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.751 NZD = 35.3879 PHP ₱352,437.37You pay$10,000.00
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.
Xe Pay via Debit card	Fees: $40.00 1 NZD = 35.2858 PHP +0.65% vs mid-market	Recipient gets ₱351,446.87 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 35.2858 PHP ₱351,446.87You pay$10,000.00
OrbitRemit Pay via Bank transfer	Fees: $0.00 1 NZD = 35.0362 PHP +1.36% vs mid-market	Recipient gets ₱350,361.60 2 Days
0 reviews
Ways to receive money in Philippines with OrbitRemit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 NZD = 35.0362 PHP ₱350,361.60You pay$10,000.00 Cash pickup2 Days Free1 NZD = 35.0362 PHP ₱350,361.60You pay$10,000.00 Mobile wallet2 DaysAvailable via:Mobile Wallet e.g. GCash Free1 NZD = 35.0362 PHP ₱350,361.60You pay$10,000.00
Xe Pay via Credit card	Fees: $90.00 1 NZD = 35.2858 PHP +0.65% vs mid-market	Recipient gets ₱349,682.58 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 35.2858 PHP ₱349,682.58You pay$10,000.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fees: $190.00 1 NZD = 35.3879 PHP +0.36% vs mid-market	Recipient gets ₱347,155.72 Within minutes
10 reviews Receive to bank account
Ways to receive money in Philippines with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $190.001 NZD = 35.3879 PHP ₱347,155.72You pay$10,000.00
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 NZD = 35.5148 PHP Updates every 60 minutes.

Why compare

NZD/PHP exchange rate

Best ways to pay & receive

Transfer speed

How to send money from New Zealand to Philippines

Pick a company

If you're sending a one-off transfer, then TorFx is the best option.

TorFx was the cheapest on 19 of the 30 days it quoted NZ$10,000 transfers to the Philippines.

For recurring transfers, I'd suggest using an app or a multi-currency account like Wise.

For large transfers (NZ$10k+), a broker like TorFx is usually the best option.

If your recipient needs cash, is the cheapest.

New Zealand has no instant payment rail, so plan for the money to leave your account slower than you'd expect.

How much you send will affect the best option for you right now, so I suggest .

Fund your transfer

You can pay for the transfer via bank transfer, debit card, and credit card.

Bank transfers settle in batches a few times a business day, so a Friday evening payment can sit until Monday.

If you and the money transfer company use the same bank, it'll usually settle in seconds.

Verify and send

For your first transfer you'll need a photo ID and proof of address.

Nothing checks the recipient's name against the account number on an international transfer, so make sure to double check it.

Compare amounts

How much NZD are you sending to Philippines?

How much NZD 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 TorFx was the cheapest in 22% of the transfers from NZ$10,000 it quoted, and in 22% of all the transfers it quoted.


$1,000	-1.00%	$0.00	₱35,870.00with debit card to bank deposit	+₱683.46
$5,000	-0.04%	$24.06	₱176,731.95with bank transfer to bank deposit	+₱835.85
$10,000This page	0.30%	$0.00	₱354,082.17with bank transfer to bank deposit	+₱2,307.36
$50,000	0.25%	$0.00	₱1,770,286.29with bank transfer to bank deposit	+₱11,552.37
$250,000	0.20%	$0.00	₱8,852,281.21with bank transfer to bank deposit	+₱60,314.84

Mid-market rate: 1 NZD = 35.5148 PHP

NZD/PHP Exchange Rate History

Is today a good time to send money from New Zealand to Philippines?

The cheapest way to send NZD 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 TorFx), across 30 days of comparisons for 10,000 NZD transfers to the Philippines.

Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 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 NZD 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 10 of the last 30 days.

Right now, TorFx pays 354,082.17 PHP on 10,000 NZD, which is 1,065.44 PHP less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 363,394.81 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 147 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

TorFxAppeared in 86 comparisons
Cheapest in 22% of them
WiseAppeared in 147 comparisons
Cheapest in 5% of them
OFXAppeared in 144 comparisons
Never the cheapest

Based on 147 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 TorFx is the cheapest and gets you the most PHP, but it was the cheapest in only 22% of the 86 comparisons it appeared in over the past month.

Wise (today's second cheapest) was the cheapest in only 5% of its comparisons, so it's rarely the cheapest option for transfers to the Philippines.

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

Ways to send money from New Zealand to Philippines

7 companies cover NZD/PHP transfers, between them you can send money via currency broker, app, online, multi-currency account, and global business account, and more.

Cheapest way to send NZD

Online money transfers

The gap between the cheapest and most expensive way to send money from New Zealand is among the widest in the world, and money transfer companies and apps are usually the cheapest.

Wise charges NZ$46.95 and 0% markup on a NZ$10,000 transfer.

This will get you 353,481.58 PHP and it will arrive in same day.

In our comparisons over the past month, it was the cheapest online service on 17 of the 30 days it quoted.

Where available, you can send NZD straight to a mobile wallet with no bank account needed on the other end, and it will usually arrive in minutes.

You can use our filters above to find the best app offering mobile wallet delivery.

Best support options

Currency brokers

For house purchase abroad, an inheritance or a pension transfer, a broker like TorFx charges no fee and adds 0.3% margin, with a real person on the phone dealing with everything end to end.

Our analysis shows TorFx was the cheapest broker in 33% of the transfers from NZ$10,000 it quoted.

Also, you can send a small NZD/PHP transfer first to get the feel of the process before sending the rest.

I suggest getting a few quotes from brokers and seeing who's the cheapest.

Living across two countries

Multi-currency accounts

If you live between two countries, income in one, mortgage or family in the other, a multi-currency account holds both currencies and converts when you choose.

Wise converts NZ$10,000 at 0% markup and holds the PHP until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

It’s also great for travelling to the Philippines and spending it there.

For business payments from NZ

Global accounts

Companies like Wise Business, OFX, or Revolut Business handle business payments, recurring and batch payments, invoicing, and more.

Great for paying suppliers, contractors or staff in the Philippines, or getting paid in PHP.

Ways to fund NZD and receive PHP in Philippines

With TorFx, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending NZ$10,000 gives your recipient 354,082.17 PHP.

Pay in NZD by bank transfer, debit card, and credit card.

New Zealand bank payments still run in processing cycles, so allow time for the company to receive the payment before it can process the transfer to the Philippines.

The recipient in the Philippines can use bank deposit, cash pickup, and mobile wallet.

To send money directly to bank account or card, enter the recipient's bank details, account number and account-holder name.

For cash collection, the recipient needs a valid ID and the transfer reference.

1

Bank transfer Bank deposit

You pay NZ$10,000.00

₱354,082

Cheapest
2

Debit card Bank deposit

You pay NZ$10,000.00

₱351,447

-₱2,635
3

Bank transfer Cash pickup

You pay NZ$10,000.00

₱350,362

-₱3,721
4

Bank transfer Mobile wallet

You pay NZ$10,000.00

₱350,362

-₱3,721
5

Credit card Bank deposit

You pay NZ$10,000.00

₱349,683

-₱4,400

What to consider when sending NZD to Philippines

Here are a few things to know about money transfers from New Zealand to the Philippines.

Compare NZD/PHP transfer options

For a NZ$10,000 transfer to the Philippines, these are the current best options you have.

Cheapest

TorFx is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 354,082.17 PHP, which is 0.17% more than the next best option.

Fastest

Revolut delivers 352,437.37 PHP in within minutes when you pay by bank transfer and the recipient uses bank deposit.

A NZ$1,000 report

New Zealand reporting entities must report international wire transfers of NZ$1,000 or more to the Financial Intelligence Unit.

It does not mean you need permission or cannot send more than NZ$1,000.

The New Zealand Police guidance on prescribed transactions explains the reporting threshold.

Keep evidence showing where the money came from, particularly for a property sale, inheritance or transfer between your own accounts.

Bank funding is not always instant

New Zealand bank payments run daily, but the transfer company still needs to receive and match your payment before sending PHP.

Debit-card funding may be confirmed sooner, although it can cost more.

Gifts are not taxed in New Zealand

New Zealand abolished gift duty, so there is no New Zealand gift tax simply because you send money to family in the Philippines.

Keep a record showing that it was a gift, loan or transfer of your own money because the recipient's tax position can differ.

Transfer protection from New Zealand

New Zealand's Depositor Compensation Scheme covers eligible deposits at licensed deposit takers.

It does not cover money after it has been sent to a non-bank transfer company.

The Reserve Bank explains the scheme's scope in a bit more detail.

How we analyse the market

Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.

That covers 7 registered financial service providers sending NZD to the Philippines, updated in real time on live searches and compared on rates, fees, speed and the ways to pay and collect.

In the past 30 days alone, we analysed 147 comparisons across 5 amounts.

This page covers the cheapest and fastest options for NZD/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. Learn more:

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 New Zealand

Send money to Philippines

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Mon, 12 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.2061	–	₱352,060.69
OrbitRemit Cheapest	36.1255	$0.00	₱361,255.30	+₱9,194.61
TorFx	35.1005	$0.00	₱351,004.51	−₱1,056.18
OFX	35.0300	$0.00	₱350,300.39	−₱1,760.30
Wise	35.1878	$46.95	₱350,225.93	−₱1,834.76

Tue, 13 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.1421	–	₱351,420.69
TorFx Cheapest	35.0366	$0.00	₱350,366.43	−₱1,054.26
Wise	35.1490	$46.95	₱349,839.75	−₱1,580.94
OFX	34.9664	$0.00	₱349,663.59	−₱1,757.10

Wed, 14 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.2782	–	₱352,782.31
TorFx Cheapest	35.1724	$0.00	₱351,723.96	−₱1,058.35
Wise	35.2787	$46.95	₱351,130.67	−₱1,651.64
OFX	35.1018	$0.00	₱351,018.40	−₱1,763.91

Thu, 15 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.4124	–	₱354,123.50
TorFx Cheapest	35.3061	$0.00	₱353,061.13	−₱1,062.37
Wise	35.4128	$46.95	₱352,465.37	−₱1,658.13
OFX	35.2353	$0.00	₱352,352.88	−₱1,770.62

Fri, 16 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.6004	–	₱356,004.12
TorFx Cheapest	35.4936	$0.00	₱354,936.11	−₱1,068.01
Wise	35.5936	$46.95	₱354,264.88	−₱1,739.24
OFX	35.4224	$0.00	₱354,224.10	−₱1,780.02

Sat, 17 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.6406	–	₱356,406.43
TorFx Cheapest	35.5337	$0.00	₱355,337.21	−₱1,069.22
Wise	35.6533	$46.95	₱354,859.08	−₱1,547.35
OFX	35.4624	$0.00	₱354,624.40	−₱1,782.03

Mon, 19 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.6933	–	₱356,932.92
TorFx Cheapest	35.5862	$0.00	₱355,862.12	−₱1,070.80
Wise	35.6945	$46.95	₱355,269.14	−₱1,663.78
OFX	35.5148	$0.00	₱355,148.26	−₱1,784.66

Tue, 20 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.8351	–	₱358,350.89
TorFx Cheapest	35.7276	$0.00	₱357,275.84	−₱1,075.05
Wise	35.8262	$46.95	₱356,579.96	−₱1,770.93
OFX	35.6559	$0.00	₱356,559.14	−₱1,791.75

Wed, 21 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.9453	–	₱359,453.06
TorFx Cheapest	35.8375	$0.00	₱358,374.70	−₱1,078.36
OFX	35.7656	$0.00	₱357,655.79	−₱1,797.27
Wise	35.9260	$46.95	₱357,573.27	−₱1,879.79

Thu, 22 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	36.1386	–	₱361,385.79
TorFx Cheapest	36.0302	$0.00	₱360,301.63	−₱1,084.16
OFX	35.9579	$0.00	₱359,578.86	−₱1,806.93
Wise	36.1054	$46.95	₱359,358.85	−₱2,026.94

Fri, 23 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	36.1090	–	₱361,090.29
TorFx Cheapest	36.0007	$0.00	₱360,007.02	−₱1,083.27
Wise	36.1085	$46.95	₱359,389.71	−₱1,700.58
OFX	35.9285	$0.00	₱359,284.84	−₱1,805.45

Sat, 24 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	36.3354	–	₱363,354.36
TorFx Cheapest	36.2264	$0.00	₱362,264.30	−₱1,090.06
OFX	36.1538	$0.00	₱361,537.59	−₱1,816.77
Wise	36.2714	$46.95	₱361,011.06	−₱2,343.30

Mon, 26 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	36.4150	–	₱364,149.57
TorFx Cheapest	36.3057	$0.00	₱363,057.12	−₱1,092.45
OFX	36.2329	$0.00	₱362,328.82	−₱1,820.75
Wise	36.3976	$46.95	₱362,267.13	−₱1,882.44

Tue, 27 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	36.4488	–	₱364,488.27
TorFx Cheapest	36.3395	$0.00	₱363,394.81	−₱1,093.46
Wise	36.4420	$46.95	₱362,709.05	−₱1,779.22
OFX	36.2666	$0.00	₱362,665.83	−₱1,822.44

Wed, 28 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.9163	–	₱359,162.98
Xe Cheapest	36.0593	$0.00	₱360,593.20	+₱1,430.22
TorFx	35.8085	$0.00	₱358,085.49	−₱1,077.49
Wise	35.9154	$46.95	₱357,467.77	−₱1,695.21
OFX	35.7367	$0.00	₱357,367.17	−₱1,795.81

Thu, 29 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.8466	–	₱358,466.29
OrbitRemit Cheapest	35.8567	$0.00	₱358,567.00	+₱100.71
TorFx	35.7391	$0.00	₱357,390.89	−₱1,075.40
Wise	35.8505	$46.95	₱356,821.82	−₱1,644.47
OFX	35.6674	$0.00	₱356,673.96	−₱1,792.33

Fri, 30 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.9018	–	₱359,017.89
OrbitRemit Cheapest	35.8567	$0.00	₱358,567.00	−₱450.89
TorFx	35.7941	$0.00	₱357,940.84	−₱1,077.05
Wise	35.9030	$46.95	₱357,344.35	−₱1,673.54
OFX	35.7223	$0.00	₱357,222.80	−₱1,795.09

Sat, 31 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.9791	–	₱359,791.14
TorFx Cheapest	35.8712	$0.00	₱358,711.77	−₱1,079.37
OFX	35.7992	$0.00	₱357,992.18	−₱1,798.96
Wise	35.8550	$46.95	₱356,866.61	−₱2,924.53

Sun, 1 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.9759	–	₱359,759.23
TorFx Cheapest	35.8680	$0.00	₱358,679.95	−₱1,079.28
OFX	35.7960	$0.00	₱357,960.43	−₱1,798.80
Wise	35.8550	$46.95	₱356,866.61	−₱2,892.62

Mon, 2 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.7268	–	₱357,268.42
OrbitRemit Cheapest	35.8567	$0.00	₱358,567.00	+₱1,298.58
TorFx	35.6197	$0.00	₱356,196.61	−₱1,071.81
Wise	35.7381	$46.95	₱355,703.10	−₱1,565.32
OFX	35.5482	$0.00	₱355,482.08	−₱1,786.34

Tue, 3 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.7174	–	₱357,174.19
OrbitRemit Cheapest	35.8567	$0.00	₱358,567.00	+₱1,392.81
TorFx	35.6103	$0.00	₱356,102.67	−₱1,071.52
Wise	35.7198	$46.95	₱355,520.96	−₱1,653.23
OFX	35.5388	$0.00	₱355,388.32	−₱1,785.87

Wed, 4 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.5738	–	₱355,738.26
OrbitRemit Cheapest	35.8567	$0.00	₱358,567.00	+₱2,828.74
TorFx	35.4671	$0.00	₱354,671.05	−₱1,067.21
Wise	35.5743	$46.95	₱354,072.79	−₱1,665.47
OFX	35.3960	$0.00	₱353,959.57	−₱1,778.69

Thu, 5 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.6073	–	₱356,072.85
OrbitRemit Cheapest	35.8567	$0.00	₱358,567.00	+₱2,494.15
TorFx	35.5005	$0.00	₱355,004.63	−₱1,068.22
Wise	35.6172	$46.95	₱354,499.77	−₱1,573.08
OFX	35.4292	$0.00	₱354,292.49	−₱1,780.36

Fri, 6 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	35.0623	–	₱350,623.10
OrbitRemit Cheapest	35.8567	$0.00	₱358,567.00	+₱7,943.90
TorFx	34.9571	$0.00	₱349,571.23	−₱1,051.87
OFX	34.8870	$0.00	₱348,869.98	−₱1,753.12
Wise	35.0484	$46.95	₱348,838.48	−₱1,784.62

Sat, 7 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	34.9997	–	₱349,997.08
OrbitRemit Cheapest	35.0362	$0.00	₱350,361.60	+₱364.52
TorFx	34.8947	$0.00	₱348,947.09	−₱1,049.99
OFX	34.8247	$0.00	₱348,247.09	−₱1,749.99
Wise	34.9823	$46.95	₱348,180.58	−₱1,816.50

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