MoneyTransfers

How to send money to Morocco from Philippines with the best PHP-MAD rate

Wise is the cheapest overall way to send money from the Philippines to Morocco, turning PHP 14,700 into 2,192.66 MAD at 0.1541 MAD per PHP.

There are 4 companies that send money from the Philippines to Morocco, and you can send PHP via in person, online, app, multi-currency account, and global account.

Best companies for PHP/MAD transfers

4 of 4 providers

Last updated on 28 October 2026

Based on 14,700 PHP transfer

Best companies for PHP/MAD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee ₱467.11 1 PHP = 0.1541 MAD +0.01% vs mid-market Recipient gets MAD 2,192.66 Same day
25 reviews
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Morocco with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
₱467.111 PHP = 0.1541 MAD
MAD 2,192.66You pay₱14,700.00

Run a live search

Showing top Philippines to Morocco deals for 14,700 PHP. Do a live search with your exact amount for today's best rates.

Wise

Pay via Bank transfer
Fee ₱467.11 1 PHP = 0.1541 MAD +0.01% vs mid-market Recipient gets MAD 2,192.66 Same day
25 reviews
CheapestRecommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Morocco with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
₱467.111 PHP = 0.1541 MAD
MAD 2,192.66You pay₱14,700.00
Send Money Between PayPal Accounts

PayPal App (P2P Transfer)

Pay via Bank transfer
Fee ₱588.00 1 PHP = 0.1448 MAD +6.00% vs mid-market Recipient gets MAD 2,043.77 Minutes
0 reviews
Fastest

Ways to receive money in Morocco with PayPal App (P2P Transfer) when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes
₱588.001 PHP = 0.1448 MAD
MAD 2,043.77You pay₱14,700.00
Send cash via a MoneyGram agent

MoneyGram Agent

Pay via Bank transfer
Fee ₱588.00 1 PHP = 0.1448 MAD +6.00% vs mid-market Recipient gets MAD 2,043.77 Minutes - 3 days
0 reviews

Ways to receive money in Morocco with MoneyGram Agent when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
₱588.001 PHP = 0.1448 MAD
MAD 2,043.77You pay₱14,700.00
Send cash via a Western Union agent

Western Union Agent

Pay via Bank transfer
Fee ₱441.00 1 PHP = 0.1433 MAD +7.00% vs mid-market Recipient gets MAD 2,043.09 Minutes - 5 days
0 reviews

Ways to receive money in Morocco with Western Union Agent when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
₱441.001 PHP = 0.1433 MAD
MAD 2,043.09You pay₱14,700.00
How Our Results Work
Mid-market rate: 1 PHP = 0.1541 MAD Updates every 60 minutes.

How to send money from Philippines to Morocco

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 30 of the 30 days it quoted ₱14,700 transfers to Morocco.

On a 14,700 PHP transfer, Wise delivers the most MAD.

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

Compare amounts

How much PHP are you sending to Morocco?

How much PHP you send to Morocco 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 79% of all the transfers it quoted over the past month.

Cheapest service
₱10,0000.04%₱379.47MAD 1,481.00with bank transfer to bank deposit+MAD 68.53
₱14,700This page0.01%₱467.11MAD 2,192.66with bank transfer to bank deposit+MAD 111.84
₱20,0000.03%₱565.93MAD 2,991.78with bank transfer to bank deposit+MAD 159.67
₱50,0000.02%₱1,125.31MAD 7,524.26with bank transfer to bank depositMAD 0.00
₱100,000-0.01%₱2,057.59MAD 15,091.65with bank transfer to bank depositMAD 0.00
₱400,0000.27%₱0.00MAD 61,387.01with bank transfer to bank deposit+MAD 510.32

Mid-market rate: 1 PHP = 0.1541 MAD

PHP/MAD Exchange Rate History

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

The cheapest way to send PHP to MAD 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 14,700 PHP transfers to Morocco.

MAD received for ₱14,700, after fees

Wed, Oct 28, 2026Mid-market rateMAD 2,264.81 Wise MAD 2,192.66WiseMAD 2,192.66PayPal App (P2P Transfer)MAD 2,043.77MoneyGram AgentMAD 2,043.77

2,000
2,100
2,200
2,300
2,400
At the mid-market rateWith the cheapest optionWisePayPal App (P2P Transfer)MoneyGram Agent
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1542 – MAD 2,266.20
Wise Cheapest 0.1544 ₱467.11 MAD 2,197.06 −MAD 69.14
PayPal App (P2P Transfer) 0.1449 ₱588.00 MAD 2,045.02 −MAD 221.18
MoneyGram Agent 0.1449 ₱588.00 MAD 2,045.02 −MAD 221.18
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1549 – MAD 2,276.53
Wise Cheapest 0.1547 ₱467.11 MAD 2,202.54 −MAD 73.99
PayPal App (P2P Transfer) 0.1456 ₱588.00 MAD 2,054.34 −MAD 222.19
MoneyGram Agent 0.1456 ₱588.00 MAD 2,054.34 −MAD 222.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1549 – MAD 2,276.78
Wise Cheapest 0.1549 ₱467.11 MAD 2,204.36 −MAD 72.42
PayPal App (P2P Transfer) 0.1456 ₱588.00 MAD 2,054.57 −MAD 222.21
MoneyGram Agent 0.1456 ₱588.00 MAD 2,054.57 −MAD 222.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1565 – MAD 2,301.01
Wise Cheapest 0.1566 ₱467.11 MAD 2,228.49 −MAD 72.52
PayPal App (P2P Transfer) 0.1471 ₱588.00 MAD 2,076.43 −MAD 224.58
MoneyGram Agent 0.1471 ₱588.00 MAD 2,076.43 −MAD 224.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1589 – MAD 2,335.12
Wise Cheapest 0.1588 ₱467.11 MAD 2,260.51 −MAD 74.61
PayPal App (P2P Transfer) 0.1493 ₱588.00 MAD 2,107.22 −MAD 227.90
MoneyGram Agent 0.1493 ₱588.00 MAD 2,107.22 −MAD 227.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1584 – MAD 2,328.52
Wise Cheapest 0.1588 ₱467.11 MAD 2,260.51 −MAD 68.01
PayPal App (P2P Transfer) 0.1489 ₱588.00 MAD 2,101.26 −MAD 227.26
MoneyGram Agent 0.1489 ₱588.00 MAD 2,101.26 −MAD 227.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1581 – MAD 2,324.56
Wise Cheapest 0.1583 ₱467.11 MAD 2,252.75 −MAD 71.81
PayPal App (P2P Transfer) 0.1486 ₱588.00 MAD 2,097.68 −MAD 226.88
MoneyGram Agent 0.1486 ₱588.00 MAD 2,097.68 −MAD 226.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1585 – MAD 2,330.36
Wise Cheapest 0.1590 ₱467.11 MAD 2,263.27 −MAD 67.09
PayPal App (P2P Transfer) 0.1490 ₱588.00 MAD 2,102.92 −MAD 227.44
MoneyGram Agent 0.1490 ₱588.00 MAD 2,102.92 −MAD 227.44
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1588 – MAD 2,334.99
Wise Cheapest 0.1590 ₱467.11 MAD 2,263.47 −MAD 71.52
PayPal App (P2P Transfer) 0.1493 ₱588.00 MAD 2,107.10 −MAD 227.89
MoneyGram Agent 0.1493 ₱588.00 MAD 2,107.10 −MAD 227.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1587 – MAD 2,332.92
Wise Cheapest 0.1587 ₱467.11 MAD 2,259.46 −MAD 73.46
PayPal App (P2P Transfer) 0.1492 ₱588.00 MAD 2,105.23 −MAD 227.69
MoneyGram Agent 0.1492 ₱588.00 MAD 2,105.23 −MAD 227.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1581 – MAD 2,324.61
Wise Cheapest 0.1577 ₱467.11 MAD 2,245.15 −MAD 79.46
PayPal App (P2P Transfer) 0.1486 ₱588.00 MAD 2,097.73 −MAD 226.88
MoneyGram Agent 0.1486 ₱588.00 MAD 2,097.73 −MAD 226.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1567 – MAD 2,303.81
Wise Cheapest 0.1554 ₱467.11 MAD 2,211.58 −MAD 92.23
PayPal App (P2P Transfer) 0.1473 ₱588.00 MAD 2,078.96 −MAD 224.85
MoneyGram Agent 0.1473 ₱588.00 MAD 2,078.96 −MAD 224.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1567 – MAD 2,303.81
Wise Cheapest 0.1554 ₱467.11 MAD 2,211.58 −MAD 92.23
PayPal App (P2P Transfer) No quote collected this day – – – –
MoneyGram Agent No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1562 – MAD 2,296.76
Wise Cheapest 0.1554 ₱467.11 MAD 2,212.33 −MAD 84.43
PayPal App (P2P Transfer) 0.1469 ₱588.00 MAD 2,072.59 −MAD 224.17
MoneyGram Agent 0.1469 ₱588.00 MAD 2,072.59 −MAD 224.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1543 – MAD 2,268.37
Wise Cheapest 0.1547 ₱467.11 MAD 2,201.77 −MAD 66.60
PayPal App (P2P Transfer) 0.1451 ₱588.00 MAD 2,046.98 −MAD 221.39
MoneyGram Agent 0.1451 ₱588.00 MAD 2,046.98 −MAD 221.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1554 – MAD 2,284.44
Wise Cheapest 0.1561 ₱467.11 MAD 2,222.42 −MAD 62.02
PayPal App (P2P Transfer) 0.1461 ₱588.00 MAD 2,061.48 −MAD 222.96
MoneyGram Agent 0.1461 ₱588.00 MAD 2,061.48 −MAD 222.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1559 – MAD 2,291.23
Wise Cheapest 0.1560 ₱467.11 MAD 2,220.05 −MAD 71.18
PayPal App (P2P Transfer) 0.1465 ₱588.00 MAD 2,067.61 −MAD 223.62
MoneyGram Agent 0.1465 ₱588.00 MAD 2,067.61 −MAD 223.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1556 – MAD 2,287.31
Wise Cheapest 0.1549 ₱467.11 MAD 2,204.05 −MAD 83.26
PayPal App (P2P Transfer) 0.1463 ₱588.00 MAD 2,064.06 −MAD 223.25
MoneyGram Agent 0.1463 ₱588.00 MAD 2,064.06 −MAD 223.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1545 – MAD 2,270.75
Wise Cheapest 0.1548 ₱467.11 MAD 2,202.60 −MAD 68.15
PayPal App (P2P Transfer) 0.1452 ₱588.00 MAD 2,049.13 −MAD 221.62
MoneyGram Agent 0.1452 ₱588.00 MAD 2,049.13 −MAD 221.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1545 – MAD 2,270.75
Wise Cheapest 0.1548 ₱467.11 MAD 2,202.60 −MAD 68.15
PayPal App (P2P Transfer) 0.1452 ₱588.00 MAD 2,049.13 −MAD 221.62
MoneyGram Agent 0.1452 ₱588.00 MAD 2,049.13 −MAD 221.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1544 – MAD 2,270.19
Wise Cheapest 0.1544 ₱467.11 MAD 2,197.69 −MAD 72.50
PayPal App (P2P Transfer) 0.1452 ₱588.00 MAD 2,048.62 −MAD 221.57
MoneyGram Agent 0.1452 ₱588.00 MAD 2,048.62 −MAD 221.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1549 – MAD 2,277.29
Wise Cheapest 0.1552 ₱467.11 MAD 2,209.13 −MAD 68.16
PayPal App (P2P Transfer) 0.1456 ₱588.00 MAD 2,055.03 −MAD 222.26
MoneyGram Agent 0.1456 ₱588.00 MAD 2,055.03 −MAD 222.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1544 – MAD 2,270.40
Wise Cheapest 0.1548 ₱467.11 MAD 2,203.82 −MAD 66.58
PayPal App (P2P Transfer) 0.1452 ₱588.00 MAD 2,048.81 −MAD 221.59
MoneyGram Agent 0.1452 ₱588.00 MAD 2,048.81 −MAD 221.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1546 – MAD 2,272.87
Wise Cheapest 0.1541 ₱467.11 MAD 2,193.84 −MAD 79.03
PayPal App (P2P Transfer) 0.1453 ₱588.00 MAD 2,051.04 −MAD 221.83
MoneyGram Agent 0.1453 ₱588.00 MAD 2,051.04 −MAD 221.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1547 – MAD 2,273.55
Wise Cheapest 0.1547 ₱467.11 MAD 2,202.48 −MAD 71.07
PayPal App (P2P Transfer) 0.1454 ₱588.00 MAD 2,051.65 −MAD 221.90
MoneyGram Agent 0.1454 ₱588.00 MAD 2,051.65 −MAD 221.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1543 – MAD 2,268.03
Wise Cheapest 0.1544 ₱467.11 MAD 2,197.52 −MAD 70.51
PayPal App (P2P Transfer) 0.1450 ₱588.00 MAD 2,046.67 −MAD 221.36
MoneyGram Agent 0.1450 ₱588.00 MAD 2,046.67 −MAD 221.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1543 – MAD 2,268.03
Wise Cheapest 0.1544 ₱467.11 MAD 2,197.52 −MAD 70.51
PayPal App (P2P Transfer) 0.1450 ₱588.00 MAD 2,046.67 −MAD 221.36
MoneyGram Agent 0.1450 ₱588.00 MAD 2,046.67 −MAD 221.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1534 – MAD 2,254.88
Wise Cheapest 0.1536 ₱467.11 MAD 2,186.63 −MAD 68.25
PayPal App (P2P Transfer) 0.1442 ₱588.00 MAD 2,034.80 −MAD 220.08
MoneyGram Agent 0.1442 ₱588.00 MAD 2,034.80 −MAD 220.08
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1538 – MAD 2,260.49
Wise Cheapest 0.1537 ₱467.11 MAD 2,187.47 −MAD 73.02
PayPal App (P2P Transfer) 0.1445 ₱588.00 MAD 2,039.87 −MAD 220.62
MoneyGram Agent 0.1445 ₱588.00 MAD 2,039.87 −MAD 220.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1541 – MAD 2,264.81
Wise Cheapest 0.1541 ₱467.11 MAD 2,192.66 −MAD 72.15
PayPal App (P2P Transfer) 0.1448 ₱588.00 MAD 2,043.77 −MAD 221.04
MoneyGram Agent 0.1448 ₱588.00 MAD 2,043.77 −MAD 221.04

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send ₱14,700, after fees, as quoted by each company. The mid-market line shows what ₱14,700 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 MAD 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 MAD on every transfer from Philippines.

Right now, Wise pays 2,192.66 MAD on 14,700 PHP, which is 72.15 MAD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 2,263.47 MAD.

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 Morocco.

We've tracked 138 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

  1. WiseAppeared in 138 comparisons

    Cheapest in 79% of them

  2. PayPal App (P2P Transfer)Appeared in 74 comparisons

    Never the cheapest

  3. MoneyGram AgentAppeared in 74 comparisons

    Never the cheapest

Based on 138 comparisons across 6 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 MAD, and it was also the cheapest in 79% of the 138 comparisons it appeared in over the past month.

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

PayPal App (P2P Transfer) (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Morocco.

Ways to send money from the Philippines to Morocco

4 companies send money from the Philippines to Morocco.

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 ₱467.11 in fees and -0.02% markup to send 14,700 PHP.

This will get you 2,192.66 MAD.

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 Morocco, or if you travel to Morocco often.

Wise lets you hold PHP and MAD in one account and converts 14,700 PHP with a -0.02% 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 Morocco.

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

Ways to fund PHP and receive MAD in Morocco

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₱14,700 gives your recipient 2,192.66 MAD.

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 Morocco.

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 Morocco can receive money by bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay ₱14,700.00

    DH2,193

    Cheapest

Check this before sending PHP to Morocco

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

Compare PHP/MAD transfer services

Cheapest way to send money to Morocco

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 2,192.66 MAD, which is 6.79% more than the next best option.

Fastest way to send money to Morocco

The fastest option is PayPal App (P2P Transfer). Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 2,043.77 MAD, with collection available in minutes.

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 Morocco.

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 4 BSP-supervised companies sending PHP to Morocco, 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 138 comparisons across 6 amounts.

This page covers the cheapest and fastest options for PHP/MAD 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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