Regency FX is the cheapest overall way to send money from the Philippines to Bangladesh, turning PHP 400,000 into 773,111.75 BDT at 1.9328 BDT per PHP.
There are 2 companies that send money from the Philippines to Bangladesh, and you can send PHP via broker, online, app, multi-currency account, and global account.
| 2 of 2 providers Last updated on 28 October 2026 | |||
| Based on 400,000 PHP transfer Best companies for PHP/BDT transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee ₱2,755.51 1 PHP = 1.9350 BDT +0.16% vs mid-market | Recipient gets ৳768,672.06 Same day | |
Ways to receive money in Bangladesh with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₱2,755.511 PHP = 1.9350 BDT ৳768,672.06You pay₱400,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee ₱0.00 1 PHP = 1.9328 BDT +0.27% vs mid-market | Recipient gets ৳773,111.75 Minutes - 24 hours | |
Ways to receive money in Bangladesh with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PHP = 1.9328 BDT ৳773,111.75You pay₱400,000.00 | |||
Run a live search Showing top Philippines to Bangladesh deals for 400,000 PHP. 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 PHP to BDT rates. | |||
Run a live search These companies offer multi-currency accounts for spending BDT. We suggest doing a live search based on how much PHP you're planning to spend in Bangladesh. | |||
Run a live search These are managed services with real human support for large PHP 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 PHP = 1.9328 BDT +0.27% vs mid-market | Recipient gets ৳773,111.75 Minutes - 24 hours | |
Ways to receive money in Bangladesh with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PHP = 1.9328 BDT ৳773,111.75You pay₱400,000.00 | |||
| Wise Pay via Bank transfer | Fee ₱2,755.51 1 PHP = 1.9350 BDT +0.16% vs mid-market | Recipient gets ৳768,672.06 Same day | |
Ways to receive money in Bangladesh with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₱2,755.511 PHP = 1.9350 BDT ৳768,672.06You pay₱400,000.00 | |||
| How Our Results Work Mid-market rate: 1 PHP = 1.9380 BDT Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from the Philippines, I suggest picking the cheapest option which is Regency FX.
Regency FX was the cheapest on 27 of the 28 days it quoted ₱400,000 transfers to Bangladesh.
On a 400,000 PHP transfer, Regency FX delivers the most BDT.
This will change depending on how much you actually send, so I suggest running a live search to get the best PHP/BDT rate.
Use the filters above if your recipient needs cash rather than a bank deposit.
You have 1 ways to pay for the transfer: bank transfer.
Depending on the company, you can use InstaPay which takes seconds to deposit.
Above about a million pesos it goes through PESONet instead, which can take a day.
First time round you'll need a valid ID and your details to match it exactly.
Make sure you do it before you need to send BDT to avoid any delays.
How much PHP you send to Bangladesh 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 96% of all the transfers it quoted over the past month.
| Cheapest service | |||||
|---|---|---|---|---|---|
| ₱10,000 | 0.21% | ₱159.91 | ৳19,046.18with bank transfer to bank deposit | +৳1,030.85 | |
| ₱20,000 | 0.18% | ₱226.47 | ৳38,278.79with bank transfer to bank deposit | +৳2,189.09 | |
| ₱50,000 | 0.17% | ₱426.13 | ৳95,986.41with bank transfer to bank deposit | ৳0.00 | |
| ₱100,000 | 0.04% | ₱758.89 | ৳192,476.15with bank transfer to bank deposit | ৳0.00 | |
| ₱400,000This page | 0.27% | ₱0.00 | ৳773,111.75with bank transfer to bank deposit | +৳2,219.84 |
Mid-market rate: 1 PHP = 1.9380 BDT
The cheapest way to send PHP to BDT 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 400,000 PHP transfers to Bangladesh.
Wed, Oct 28, 2026Mid-market rate৳775,204.80 Regency FX ৳773,111.75Regency FX৳773,111.75Wise৳768,672.06
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9696 | – | ৳787,846.00 | |
| | 1.9643 | ₱0.00 | ৳785,718.82 | −৳2,127.18 |
| | 1.9693 | ₱5,226.05 | ৳777,420.44 | −৳10,425.56 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9657 | – | ৳786,290.00 | |
| | 1.9604 | ₱0.00 | ৳784,167.02 | −৳2,122.98 |
| | 1.9682 | ₱2,755.51 | ৳781,864.55 | −৳4,425.45 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9640 | – | ৳785,600.40 | |
| | 1.9587 | ₱0.00 | ৳783,479.28 | −৳2,121.12 |
| | 1.9595 | ₱2,755.51 | ৳778,420.44 | −৳7,179.96 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9762 | – | ৳790,473.60 | |
| | 1.9708 | ₱0.00 | ৳788,339.32 | −৳2,134.28 |
| | 1.9647 | ₱2,755.51 | ৳780,482.14 | −৳9,991.46 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9641 | – | ৳785,644.80 | |
| | 1.9588 | ₱0.00 | ৳783,523.56 | −৳2,121.24 |
| | 1.9659 | ₱2,755.51 | ৳780,938.97 | −৳4,705.83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9602 | – | ৳784,095.60 | |
| | 1.9549 | ₱0.00 | ৳781,978.54 | −৳2,117.06 |
| | 1.9659 | ₱2,755.51 | ৳780,938.97 | −৳3,156.63 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9592 | – | ৳783,692.40 | |
| | 1.9539 | ₱0.00 | ৳781,576.43 | −৳2,115.97 |
| | 1.9632 | ₱2,755.51 | ৳779,862.44 | −৳3,829.96 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9552 | – | ৳782,064.00 | |
| | 1.9499 | ₱0.00 | ৳779,952.43 | −৳2,111.57 |
| | 1.9597 | ₱2,755.51 | ৳778,472.08 | −৳3,591.92 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9572 | – | ৳782,870.00 | |
| | 1.9519 | ₱0.00 | ৳780,756.25 | −৳2,113.75 |
| | 1.9627 | ₱2,755.51 | ৳779,671.76 | −৳3,198.24 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9605 | – | ৳784,205.60 | |
| | 1.9552 | ₱0.00 | ৳782,088.24 | −৳2,117.36 |
| | 1.9593 | ₱2,755.51 | ৳778,337.02 | −৳5,868.58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9555 | – | ৳782,182.80 | |
| | 1.9502 | ₱0.00 | ৳780,070.91 | −৳2,111.89 |
| | 1.9621 | ₱2,755.51 | ৳779,445.33 | −৳2,737.47 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9653 | – | ৳786,104.00 | |
| | 1.9600 | ₱0.00 | ৳783,981.52 | −৳2,122.48 |
| | 1.9643 | ₱2,755.51 | ৳780,323.24 | −৳5,780.76 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 1.9643 | ₱2,755.51 | ৳780,323.24 | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9625 | – | ৳785,013.60 | |
| | 1.9572 | ₱0.00 | ৳782,894.06 | −৳2,119.54 |
| | 1.9610 | ₱2,755.51 | ৳779,016.31 | −৳5,997.29 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9642 | – | ৳785,665.60 | |
| | 1.9589 | ₱0.00 | ৳783,544.30 | −৳2,121.30 |
| | 1.9616 | ₱2,755.51 | ৳779,234.79 | −৳6,430.81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9555 | – | ৳782,194.00 | |
| | 1.9647 | ₱2,755.51 | ৳780,486.11 | −৳1,707.89 |
| | 1.9502 | ₱0.00 | ৳780,082.08 | −৳2,111.92 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9566 | – | ৳782,642.00 | |
| | 1.9575 | ₱2,755.51 | ৳777,625.95 | −৳5,016.05 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9512 | – | ৳780,461.60 | |
| | 1.9459 | ₱0.00 | ৳778,354.35 | −৳2,107.25 |
| | 1.9514 | ₱2,755.51 | ৳775,198.79 | −৳5,262.81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9559 | – | ৳782,365.60 | |
| | 1.9506 | ₱0.00 | ৳780,253.21 | −৳2,112.39 |
| | 1.9511 | ₱2,755.51 | ৳775,059.75 | −৳7,305.85 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9559 | – | ৳782,365.60 | |
| | 1.9506 | ₱0.00 | ৳780,253.21 | −৳2,112.39 |
| | 1.9511 | ₱2,755.51 | ৳775,059.75 | −৳7,305.85 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9579 | – | ৳783,176.00 | |
| | 1.9527 | ₱0.00 | ৳781,061.42 | −৳2,114.58 |
| | 1.9624 | ₱2,755.51 | ৳779,536.70 | −৳3,639.30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9618 | – | ৳784,714.80 | |
| | 1.9565 | ₱0.00 | ৳782,596.07 | −৳2,118.73 |
| | 1.9613 | ₱2,755.51 | ৳779,099.73 | −৳5,615.07 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9493 | – | ৳779,704.40 | |
| | 1.9440 | ₱0.00 | ৳777,599.20 | −৳2,105.20 |
| | 1.9526 | ₱2,755.51 | ৳775,643.70 | −৳4,060.70 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9520 | – | ৳780,806.40 | |
| | 1.9467 | ₱0.00 | ৳778,698.22 | −৳2,108.18 |
| | 1.9513 | ₱2,755.51 | ৳775,127.28 | −৳5,679.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9455 | – | ৳778,194.80 | |
| | 1.9402 | ₱0.00 | ৳776,093.67 | −৳2,101.13 |
| | 1.9472 | ₱2,755.51 | ৳773,522.42 | −৳4,672.38 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9426 | – | ৳777,052.40 | |
| | 1.9374 | ₱0.00 | ৳774,954.36 | −৳2,098.04 |
| | 1.9444 | ₱2,755.51 | ৳772,402.19 | −৳4,650.21 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9426 | – | ৳777,052.40 | |
| | 1.9374 | ₱0.00 | ৳774,954.36 | −৳2,098.04 |
| | 1.9444 | ₱2,755.51 | ৳772,402.19 | −৳4,650.21 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9288 | – | ৳771,514.40 | |
| | 1.9236 | ₱0.00 | ৳769,431.31 | −৳2,083.09 |
| | 1.9343 | ₱2,755.51 | ৳768,370.15 | −৳3,144.25 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9395 | – | ৳775,809.60 | |
| | 1.9343 | ₱0.00 | ৳773,714.91 | −৳2,094.69 |
| | 1.9382 | ₱2,755.51 | ৳769,931.33 | −৳5,878.27 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9380 | – | ৳775,204.80 | |
| | 1.9328 | ₱0.00 | ৳773,111.75 | −৳2,093.05 |
| | 1.9350 | ₱2,755.51 | ৳768,672.06 | −৳6,532.74 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 1.9380 | – | ৳775,204.80 | |
|---|---|---|---|---|
| | ||||
| |
Each line shows what the recipient gets when you send ₱400,000, after fees, as quoted by each company. The mid-market line shows what ₱400,000 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 BDT per PHP 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 BDT on every transfer from Philippines.
Right now, Regency FX pays 773,111.75 BDT on 400,000 PHP, which is 2,093.05 BDT less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 788,339.32 BDT.
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 Bangladesh.
We've tracked 108 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.
Cheapest every time
Cheapest in 80% of them
Based on 35 comparisons across 5 amounts over the last 7 days.
Cheapest in 96% of them
Cheapest in 75% of them
Based on 108 comparisons across 5 amounts over the last 30 days.
Cheapest in 99% of them
Cheapest in 56% of them
Based on 162 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.
Wise (today's second cheapest) was the cheapest in 75% of its comparisons, so if you send money to Bangladesh regularly, it's worth comparing it with Regency FX before each transfer.
2 companies send money from the Philippines to Bangladesh.
Visa and tuition payments
Online services work well for visa fees, tuition deposits and other payments you need to make before moving abroad.
Wise charges ₱2755.51 in fees and 0.16% markup to send 400,000 PHP.
This will get you 768,672.06 BDT.
In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.
Traveling and spending
A multi-currency account is useful if you regularly pay tuition, rent or other bills in Bangladesh, or if you travel to Bangladesh often.
Wise lets you hold PHP and BDT in one account and converts 400,000 PHP with a 0.16% exchange-rate markup and small fee.
Over the past month, Wise came out cheapest among multi-currency accounts on 100% of days.
For freelancers
Global accounts help Philippine freelancers and businesses make regular payments to Bangladesh.
Payoneer and Wise Business offer international account details, invoicing and batch payments.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₱400,000 gives your recipient 773,111.75 BDT.
To fund the transfer from the Philippines, use bank transfer.
Fund the PHP side through your bank
Use InstaPay for an eligible smaller payment or PESONet when the company supplies bank details.
Both rails send PHP domestically to the company's account before they send it to Bangladesh.
GCash and Maya are mainly for domestic payments. GCash has an international transfer option, but it’s limited and usually costs more.
Your recipient in Bangladesh can receive money by bank deposit.
You pay ₱400,000.00
৳773,112
Cheapest
A few things to remember about money transfers from Philippines to Bangladesh.
Cheapest way to send money to Bangladesh
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 773,111.75 BDT, which is 0.57% more than the next best option.
Fastest way to send money to Bangladesh
The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 773,111.75 BDT, with collection available in minutes - 24 hours.
The Philippines charges 6% donor's tax on total taxable gifts above PHP 250,000 in a calendar year.
The donor pays it, even when the person receiving the money lives abroad.
BIR Form 1800 is due within 30 days of the gift.
This does not make every family payment a taxable donation, but a large personal gift should be checked before sending.
The BIR's Form 1800 guidance explains the threshold, rate and filing deadline.
InstaPay, PESONet, Maya, etc. move PHP between Philippine accounts only.
Some companies allow these as funding methods, but none of them can be used to send international transfers to Bangladesh.
GCash can be used for international transfers, but it is limited and usually more expensive.
PDIC protects eligible deposits held with a member bank.
It does not protect a transfer after the money has left your bank or a balance held with a non-bank transfer company.
If a BSP-supervised company does not resolve a complaint, you can escalate it through the BSP Online Buddy.
We track 2 BSP-supervised companies sending PHP to Bangladesh, updated in real time on live searches.
Fees, exchange rates and the deposit and payout options are all compared, and nothing appears here without passing our review.
In the past 30 days alone, we analysed 108 comparisons across 5 amounts.
This page covers the cheapest and fastest options for PHP/BDT 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.
Most pricing comes from the companies themselves. Where we collect it by hand, the table says so.
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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