Best companies for PHP/EUR transfers
2 of 2 providers Last updated on 28 October 2026
Based on 400,000 PHP transfer Best companies for PHP/EUR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee ₱1,130.63 1 PHP = 0.0140 EUR -0.02% vs mid-market	Recipient gets €5,597.73 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Finland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ₱1,130.631 PHP = 0.0140 EUR €5,597.73You pay₱400,000.00
Promoted Regency FX Pay via Bank transfer	Fee ₱0.00 1 PHP = 0.0140 EUR +0.27% vs mid-market	Recipient gets €5,597.25 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Finland with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PHP = 0.0140 EUR €5,597.25You pay₱400,000.00
Run a live search Showing top Philippines to Finland 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 EUR rates.
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much PHP you're planning to spend in Finland.
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.
Wise Pay via Bank transfer	Fee ₱1,130.63 1 PHP = 0.0140 EUR -0.02% vs mid-market	Recipient gets €5,597.73 Within minutes
25 reviews CheapestFastestRecommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Finland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ₱1,130.631 PHP = 0.0140 EUR €5,597.73You pay₱400,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee ₱0.00 1 PHP = 0.0140 EUR +0.27% vs mid-market	Recipient gets €5,597.25 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Finland with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PHP = 0.0140 EUR €5,597.25You pay₱400,000.00
How Our Results Work Mid-market rate: 1 PHP = 0.0140 EUR Updates every 60 minutes.

Why compare

PHP/EUR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Philippines to Finland

Pick a company

For a one-off transfer from the Philippines, I suggest picking the cheapest option which is Wise.

Wise was the cheapest on 18 of the 30 days it quoted ₱400,000 transfers to Finland.

On a 400,000 PHP transfer, Wise delivers the most EUR.

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

Use the filters above if your recipient needs cash rather than a bank deposit.

Fund your transfer

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.

Verify and send

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 EUR to avoid any delays.

Compare amounts

How much PHP are you sending to Finland?

How much PHP you send to Finland 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 Wise was the cheapest in 89% of all the transfers it quoted over the past month.


₱10,000	0.01%	₱41.68	€139.79with bank transfer to bank deposit	€0.00
₱20,000	-0.03%	₱69.59	€279.84with bank transfer to bank deposit	€0.00
₱50,000	-0.01%	₱153.35	€699.57with bank transfer to bank deposit	€0.00
₱100,000	-0.03%	₱292.97	€1,400.34with bank transfer to bank deposit	€0.00
₱400,000This page	-0.02%	₱1,130.63	€5,597.73with bank transfer to bank deposit	+€0.24

Mid-market rate: 1 PHP = 0.0140 EUR

PHP/EUR Exchange Rate History

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

The cheapest way to send PHP to EUR 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 Wise), across 30 days of comparisons for 400,000 PHP transfers to Finland.

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 EUR 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 EUR on every transfer from Philippines.

Right now, Wise pays 5,597.73 EUR on 400,000 PHP, which is 14.67 EUR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 5,683.41 EUR.

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 Finland.

We've tracked 108 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

WiseAppeared in 108 comparisons
Cheapest in 89% of them
Regency FXAppeared in 28 comparisons
Cheapest in 43% of them

Based on 108 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 Wise is the cheapest and gets you the most EUR, and it was also the cheapest in 89% of the 108 comparisons it appeared in over the past month.

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

Ways to send money from the Philippines to Finland

2 companies send money from the Philippines to Finland.

Visa and tuition payments

Online transfers

Online services work well for visa fees, tuition deposits and other payments you need to make before moving abroad.

Wise charges ₱1130.63 in fees and 0.22% markup to send 400,000 PHP.

This will get you 5,597.73 EUR.

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

Traveling and spending

Multi-currency accounts

A multi-currency account is useful if you regularly pay tuition, rent or other bills in Finland, or if you travel to Finland often.

Wise lets you hold PHP and EUR in one account and converts 400,000 PHP with a 0.22% 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

Global accounts help Philippine freelancers and businesses make regular payments to Finland.

Payoneer and Wise Business offer international account details, invoicing and batch payments.

Ways to fund PHP and receive EUR in Finland

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₱400,000 gives your recipient 5,597.73 EUR.

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 Finland.

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 Finland can receive money by bank deposit.

1

Bank transfer Bank deposit

You pay ₱400,000.00

€5,598

Cheapest

Check this before sending PHP to Finland

A few things to remember about money transfers from Philippines to Finland.

Compare PHP/EUR transfer services

Cheapest way to send money to Finland

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 5,597.73 EUR, which is 0.01% more than the next best option.

Fastest way to send money to Finland

The fastest option is Wise. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 5,597.73 EUR, with collection available in within 3 hours.

A large gift can trigger donor's tax

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.

Philippine payment rails

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 Finland.

GCash can be used for international transfers, but it is limited and usually more expensive.

PDIC protection

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.

How we analyse the market

We track 2 BSP-supervised companies sending PHP to Finland, 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/EUR 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.

Send money from Philippines

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Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0141	–	€5,627.20
Wise Cheapest	0.0141	₱1,130.63	€5,612.69	−€14.51
Regency FX	0.0140	₱0.00	€5,612.01	−€15.19

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0141	–	€5,626.80
Wise Cheapest	0.0141	₱1,130.63	€5,611.61	−€15.19
Regency FX	0.0140	₱0.00	€5,611.61	−€15.19

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0141	–	€5,630.40
Wise Cheapest	0.0141	₱1,130.63	€5,615.44	−€14.96
Regency FX	0.0140	₱0.00	€5,615.20	−€15.20

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0142	–	€5,680.40
Regency FX Cheapest	0.0142	₱0.00	€5,665.06	−€15.34
Wise	0.0142	₱1,130.63	€5,661.87	−€18.53

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0142	–	€5,676.40
Wise Cheapest	0.0142	₱1,130.63	€5,667.77	−€8.63
Regency FX	0.0142	₱0.00	€5,661.07	−€15.33

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0142	–	€5,698.80
Regency FX Cheapest	0.0142	₱0.00	€5,683.41	−€15.39
Wise	0.0142	₱1,130.63	€5,682.25	−€16.55

Tue, Oct 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0142	–	€5,679.20
Wise Cheapest	0.0142	₱1,130.63	€5,664.70	−€14.50
Regency FX	0.0142	₱0.00	€5,663.87	−€15.33

Thu, Oct 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0142	–	€5,687.60
Wise Cheapest	0.0142	₱1,130.63	€5,674.00	−€13.60
Regency FX	0.0142	₱0.00	€5,672.24	−€15.36

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0142	–	€5,668.00
Wise Cheapest	0.0142	₱1,130.63	€5,653.69	−€14.31
Regency FX	0.0141	₱0.00	€5,652.70	−€15.30

Sat, Oct 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0142	–	€5,689.60
Regency FX Cheapest	0.0142	₱0.00	€5,674.24	−€15.36
Wise	0.0142	₱1,130.63	€5,672.92	−€16.68

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0142	–	€5,686.00
Wise Cheapest	0.0142	₱1,130.63	€5,671.36	−€14.64
Regency FX	0.0142	₱0.00	€5,670.65	−€15.35

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0142	–	€5,691.20
Regency FX Cheapest	0.0142	₱0.00	€5,675.83	−€15.37
Wise	0.0142	₱1,130.63	€5,675.71	−€15.49

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0142	–	€5,678.00
Wise Cheapest	0.0142	₱1,130.63	€5,664.46	−€13.54
Regency FX	0.0142	₱0.00	€5,662.67	−€15.33

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0142	–	€5,660.80
Wise Cheapest	0.0142	₱1,130.63	€5,644.20	−€16.60
Regency FX No quote collected this day	–	–	–	–

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0141	–	€5,646.40
Wise Cheapest	0.0141	₱1,130.63	€5,631.84	−€14.56
Regency FX	0.0141	₱0.00	€5,631.15	−€15.25

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0141	–	€5,651.60
Regency FX Cheapest	0.0141	₱0.00	€5,636.34	−€15.26
Wise	0.0141	₱1,130.63	€5,629.80	−€21.80

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0141	–	€5,659.60
Wise Cheapest	0.0142	₱1,130.63	€5,644.76	−€14.84
Regency FX	0.0141	₱0.00	€5,644.32	−€15.28

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0141	–	€5,650.00
Regency FX Cheapest	0.0141	₱0.00	€5,634.74	−€15.26
Wise	0.0141	₱1,130.63	€5,634.31	−€15.69

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0141	–	€5,628.80
Regency FX Cheapest	0.0140	₱0.00	€5,613.60	−€15.20
Wise	0.0141	₱1,130.63	€5,612.57	−€16.23

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0140	–	€5,617.60
Wise Cheapest	0.0141	₱1,130.63	€5,604.23	−€13.37
Regency FX	0.0140	₱0.00	€5,602.43	−€15.17

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0140	–	€5,612.80
Regency FX Cheapest	0.0140	₱0.00	€5,597.65	−€15.15
Wise	0.0140	₱1,130.63	€5,597.29	−€15.51

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0139	–	€5,576.00
Wise Cheapest	0.0140	₱1,130.63	€5,565.26	−€10.74
Regency FX	0.0139	₱0.00	€5,560.94	−€15.06

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0140	–	€5,600.00
Wise Cheapest	0.0140	₱1,130.63	€5,585.97	−€14.03
Regency FX	0.0140	₱0.00	€5,584.88	−€15.12

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0140	–	€5,612.40
Wise Cheapest	0.0140	₱1,130.63	€5,597.73	−€14.67
Regency FX	0.0140	₱0.00	€5,597.25	−€15.15

How to send money to Finland from Philippines with the best PHP-EUR rate

Best companies for PHP/EUR transfers