Wise is the cheapest overall way to send money from the Philippines to the Philippines, turning PHP 14,700 into 14,685.02 PHP at 1.0000 PHP per PHP.
There are 1 companies that send money from the Philippines to the Philippines, and you can send PHP via online, app, multi-currency account, and global business account.
| 1 of 1 providers Last updated on 10 November 2026 | |||
| Based on 14,700 PHP transfer Best companies for PHP/PHP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee ₱14.98 1 PHP = 1.0000 PHP 0.00% vs mid-market | Recipient gets ₱14,685.02 Within minutes | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ₱14.981 PHP = 1.0000 PHP ₱14,685.02You pay₱14,700.00 | |||
Run a live search Showing top Philippines to Philippines deals for 14,700 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 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 PHP you're planning to spend in Philippines. | |||
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 ₱14.98 1 PHP = 1.0000 PHP 0.00% vs mid-market | Recipient gets ₱14,685.02 Within minutes | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ₱14.981 PHP = 1.0000 PHP ₱14,685.02You pay₱14,700.00 | |||
| How Our Results Work Mid-market rate: 1 PHP = 1.0000 PHP Updates every 60 minutes. | |||
Transfer details
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 the Philippines.
On a 14,700 PHP transfer, Wise delivers the most PHP.
This will change depending on how much you actually send, so I suggest running a live search to get the best PHP/PHP 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 PHP to avoid any delays.
How much PHP 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 Wise was the cheapest in 100% of all the transfers it quoted over the past month.
| Cheapest service | |||||
|---|---|---|---|---|---|
| ₱10,000 | ₱14.98 | ₱9,985.02with bank transfer to bank deposit | ₱0.00 | ||
| ₱14,700This page | 0.00% | ₱14.98 | ₱14,685.02with bank transfer to bank deposit | ₱0.00 | |
| ₱20,000 | 0.00% | ₱14.98 | ₱19,985.02with bank transfer to bank deposit | ₱0.00 | |
| ₱50,000 | ₱14.98 | ₱49,985.02with bank transfer to bank deposit | ₱0.00 | ||
| ₱100,000 | 0.00% | ₱14.98 | ₱99,985.02with bank transfer to bank deposit | ₱0.00 | |
| ₱400,000 | 0.00% | ₱14.98 | ₱399,985.02with bank transfer to bank deposit | ₱0.00 |
Mid-market rate: 1 PHP = 1.0000 PHP
The cheapest way to send PHP 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 Wise), across 30 days of comparisons for 14,700 PHP transfers to the Philippines.
Tue, Nov 10, 2026Mid-market rate₱14,700.00 Wise ₱14,685.02Wise₱14,685.02
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
| | 1.0000 | ₱14.98 | ₱14,685.02 | −₱14.98 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 1.0000 | – | ₱14,700.00 | |
|---|---|---|---|---|
| |
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 PHP 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 PHP on every transfer from the Philippines.
Right now, Wise pays 14,685.02 PHP on 14,700 PHP, which is 14.98 PHP less than the mid-market amount.
Today's payout is the highest in the past month.
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 177 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.
Cheapest every time
Based on 42 comparisons across 6 amounts over the last 7 days.
Cheapest every time
Based on 177 comparisons across 6 amounts over the last 30 days.
Cheapest every time
Based on 315 comparisons across 6 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 Wise is the cheapest and gets you the most PHP, and it was also the cheapest in 100% of the 176 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to the Philippines.
1 companies send money from the Philippines to the Philippines.
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 ₱14.98 in fees and 0% markup to send 14,700 PHP.
This will get you 14,685.02 PHP.
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 the Philippines, or if you travel to the Philippines often.
Wise lets you hold PHP and PHP in one account and converts 14,700 PHP with a 0% 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 the Philippines.
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 ₱14,700 gives your recipient 14,685.02 PHP.
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 the Philippines.
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 the Philippines can receive money by bank deposit.
You pay ₱14,700.00
₱14,685
Cheapest
A few things to remember about money transfers from the Philippines to the Philippines.
Cheapest way to send money to the Philippines
The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 14,685.02 PHP, which is 0% more than the next best option.
Fastest way to send money to the Philippines
The fastest option is Wise. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 14,685.02 PHP, with collection available in within minutes.
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 the Philippines.
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 1 BSP-supervised companies sending PHP to the Philippines, 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 177 comparisons across 6 amounts.
This page covers the cheapest and fastest options for PHP/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.
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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