Wise is the cheapest overall way to send money from the Philippines to Finland, turning PHP 400,000 into 5,607.51 EUR at 0.0141 EUR per PHP.
There are 2 companies that send money from the Philippines to Finland, and you can send PHP via online, app, multi-currency account, global account, and broker.
| 2 of 2 providers Last updated on 28 September 2026 | |||
| Based on 400,000 PHP transfer Best companies for PHP/EUR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee ₱1,130.63 1 PHP = 0.0141 EUR -0.05% vs mid-market | Recipient gets €5,607.51 Within minutes | |
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 = 0.0141 EUR €5,607.51You 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 €5,605.62 Minutes - 24 hours | |
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 €5,605.62You 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 = 0.0141 EUR -0.05% vs mid-market | Recipient gets €5,607.51 Within minutes | |
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 = 0.0141 EUR €5,607.51You 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 €5,605.62 Minutes - 24 hours | |
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 €5,605.62You pay₱400,000.00 | |||
| How Our Results Work Mid-market rate: 1 PHP = 0.0141 EUR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Wise.
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.
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 EUR to avoid any delays.
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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| ₱20,000 | -0.01% | ₱69.59 | €280.23with bank transfer to bank deposit | €0.00 | |
| ₱400,000This page | -0.05% | ₱1,130.63 | €5,607.51with bank transfer to bank deposit | +€0.94 |
Mid-market rate: 1 PHP = 0.0141 EUR
2 companies send money from the Philippines to Finland.
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 ₱1130.63 in fees and -0.34% markup to send 400,000 PHP.
This will get you 5,607.51 EUR.
Traveling and spending
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 -0.34% exchange-rate markup and small fee.
For freelancers
Global accounts help Philippine freelancers and businesses make regular payments to Finland.
Payoneer and Wise Business offer international account details, invoicing and batch payments.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₱400,000 gives your recipient 5,607.51 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 useful for domestic payments and receiving money, but they do not send EUR to a person in Finland.
Your recipient in Finland can receive money with a bank deposit.
You pay ₱400,000.00
€5,608
Cheapest
A few things to remember about money transfers from Philippines to Finland.
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 5,607.51 EUR, which is 0.03% 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 5,607.51 EUR, with collection available in within 3 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 neither 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 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.
Even a small move in the exchange rate changes how much EUR arrives for your PHP, especially on a larger transfer.
Mid-market rate:1 PHP = 0.014067 EUR
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.
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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