Best companies for PHP/ZAR transfers
4 of 4 providers Last updated on 10 November 2026
Based on 14,700 PHP transfer Best companies for PHP/ZAR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee ₱238.28 1 PHP = 0.2597 ZAR -0.01% vs mid-market	Recipient gets R 3,755.78 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in South Africa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ₱238.281 PHP = 0.2597 ZAR R 3,755.78You pay₱14,700.00
Run a live search Showing top Philippines to South Africa 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 ZAR rates.
Run a live search These companies offer multi-currency accounts for spending ZAR. We suggest doing a live search based on how much PHP you're planning to spend in South Africa.
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 ₱238.28 1 PHP = 0.2597 ZAR -0.01% vs mid-market	Recipient gets R 3,755.78 Within minutes
25 reviews CheapestOur top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in South Africa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ₱238.281 PHP = 0.2597 ZAR R 3,755.78You pay₱14,700.00
Send Money Between PayPal Accounts PayPal App (P2P Transfer) Pay via Bank transfer	Fee ₱588.00 1 PHP = 0.2441 ZAR +6.00% vs mid-market	Recipient gets R 3,444.83 Minutes
0 reviews Fastest
Ways to receive money in South Africa with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₱588.001 PHP = 0.2441 ZAR R 3,444.83You pay₱14,700.00
Send cash via a MoneyGram agent MoneyGram Agent Pay via Bank transfer	Fee ₱588.00 1 PHP = 0.2441 ZAR +6.00% vs mid-market	Recipient gets R 3,444.83 Minutes - 3 days
0 reviews
Ways to receive money in South Africa with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₱588.001 PHP = 0.2441 ZAR R 3,444.83You pay₱14,700.00
Send cash via a Western Union agent Western Union Agent Pay via Bank transfer	Fee ₱441.00 1 PHP = 0.2415 ZAR +7.00% vs mid-market	Recipient gets R 3,443.69 Minutes - 5 days
0 reviews
Ways to receive money in South Africa with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ₱441.001 PHP = 0.2415 ZAR R 3,443.69You pay₱14,700.00
How Our Results Work Mid-market rate: 1 PHP = 0.2597 ZAR Updates every 60 minutes.

Why compare

PHP/ZAR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Philippines to South Africa

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 South Africa.

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

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

Compare amounts

How much PHP are you sending to South Africa?

How much PHP you send to South Africa 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 83% of all the transfers it quoted over the past month.


₱10,000	-0.04%	₱218.00	R 2,542.70with bank transfer to bank deposit	+R 148.63
₱14,700This page	-0.01%	₱238.28	R 3,755.78with bank transfer to bank deposit	+R 233.50
₱20,000	0.00%	₱260.75	R 5,132.36with bank transfer to bank deposit	+R 330.35
₱50,000	0.03%	₱389.36	R 12,888.20with bank transfer to bank deposit	R 0.00
₱100,000	-0.01%	₱603.29	R 25,844.04with bank transfer to bank deposit	R 0.00
₱400,000	0.27%	₱0.00	R 103,777.44with bank transfer to bank deposit	+R 123.38

Mid-market rate: 1 PHP = 0.2597 ZAR

PHP/ZAR Exchange Rate History

Is today a good time to send money from Philippines to South Africa?

The cheapest way to send PHP to ZAR 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 South Africa.

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 ZAR 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 ZAR on every transfer from the Philippines.

Right now, Wise pays 3,755.78 ZAR on 14,700 PHP, which is 61.63 ZAR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 3,803.68 ZAR.

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 South Africa.

We've tracked 177 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

WiseAppeared in 175 comparisons
Cheapest in 83% of them
PayPal App (P2P Transfer)Appeared in 88 comparisons
Cheapest in 1% of them
MoneyGram AgentAppeared in 88 comparisons
Never the cheapest

Based on 177 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 ZAR, and it was also the cheapest in 83% of the 175 comparisons it appeared in over the past month.

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

PayPal App (P2P Transfer) (today's second cheapest) was the cheapest in only 1% of its comparisons, so it's rarely the cheapest option for transfers to South Africa.

Ways to send money from the Philippines to South Africa

4 companies send money from the Philippines to South Africa.

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 ₱238.28 in fees and -0.01% markup to send 14,700 PHP.

This will get you 3,755.78 ZAR.

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 South Africa, or if you travel to South Africa often.

Wise lets you hold PHP and ZAR in one account and converts 14,700 PHP with a -0.01% 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 South Africa.

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

Ways to fund PHP and receive ZAR in South Africa

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₱14,700 gives your recipient 3,755.78 ZAR.

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 South Africa.

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 South Africa can receive money by bank deposit.

1

Bank transfer Bank deposit

You pay ₱14,700.00

R3,756

Cheapest

Check this before sending PHP to South Africa

A few things to remember about money transfers from the Philippines to South Africa.

Compare PHP/ZAR transfer services

Cheapest way to send money to South Africa

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 3,755.78 ZAR, which is 8.28% more than the next best option.

Fastest way to send money to South Africa

The fastest option is PayPal App (P2P Transfer). Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 3,444.83 ZAR, 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 South Africa.

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 South Africa, 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/ZAR 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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Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2628	–	R 3,863.29
Wise Cheapest	0.2629	₱236.13	R 3,803.19	−R 60.10
PayPal App (P2P Transfer)	0.2470	₱588.00	R 3,486.23	−R 377.06
MoneyGram Agent	0.2470	₱588.00	R 3,486.23	−R 377.06

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2630	–	R 3,866.50
Wise Cheapest	0.2630	₱236.12	R 3,803.68	−R 62.82
PayPal App (P2P Transfer)	0.2472	₱588.00	R 3,489.13	−R 377.37
MoneyGram Agent	0.2472	₱588.00	R 3,489.13	−R 377.37

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2623	–	R 3,855.47
Wise Cheapest	0.2623	₱236.59	R 3,793.10	−R 62.37
PayPal App (P2P Transfer)	0.2465	₱588.00	R 3,479.18	−R 376.29
MoneyGram Agent	0.2465	₱588.00	R 3,479.18	−R 376.29

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2625	–	R 3,859.37
Wise Cheapest	0.2626	₱236.39	R 3,797.65	−R 61.72
PayPal App (P2P Transfer)	0.2468	₱588.00	R 3,482.69	−R 376.68
MoneyGram Agent	0.2468	₱588.00	R 3,482.69	−R 376.68

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2616	–	R 3,844.96
Wise Cheapest	0.2616	₱237.01	R 3,783.49	−R 61.47
PayPal App (P2P Transfer)	0.2459	₱588.00	R 3,469.69	−R 375.27
MoneyGram Agent	0.2459	₱588.00	R 3,469.69	−R 375.27

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2619	–	R 3,849.40
Wise Cheapest	0.2615	₱237.05	R 3,782.67	−R 66.73
PayPal App (P2P Transfer)	0.2462	₱588.00	R 3,473.70	−R 375.70
MoneyGram Agent	0.2462	₱588.00	R 3,473.70	−R 375.70

Sun, Oct 18, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2619	–	R 3,849.46
Wise Cheapest	0.2615	₱237.05	R 3,782.67	−R 66.79
PayPal App (P2P Transfer)	0.2462	₱588.00	R 3,473.75	−R 375.71
MoneyGram Agent	0.2462	₱588.00	R 3,473.75	−R 375.71

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2609	–	R 3,835.05
Wise Cheapest	0.2609	₱237.49	R 3,773.15	−R 61.90
PayPal App (P2P Transfer)	0.2452	₱588.00	R 3,460.75	−R 374.30
MoneyGram Agent	0.2452	₱588.00	R 3,460.75	−R 374.30

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2601	–	R 3,824.01
Wise Cheapest	0.2601	₱237.99	R 3,762.00	−R 62.01
PayPal App (P2P Transfer)	0.2445	₱588.00	R 3,450.79	−R 373.22
MoneyGram Agent	0.2445	₱588.00	R 3,450.79	−R 373.22

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2591	–	R 3,808.74
Wise Cheapest	0.2592	₱238.64	R 3,747.68	−R 61.06
PayPal App (P2P Transfer)	0.2436	₱588.00	R 3,437.01	−R 371.73
MoneyGram Agent	0.2436	₱588.00	R 3,437.01	−R 371.73

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2586	–	R 3,801.39
Wise Cheapest	0.2587	₱238.92	R 3,741.60	−R 59.79
PayPal App (P2P Transfer)	0.2431	₱588.00	R 3,430.37	−R 371.02
MoneyGram Agent	0.2431	₱588.00	R 3,430.37	−R 371.02

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2604	–	R 3,827.76
Wise Cheapest	0.2604	₱237.82	R 3,765.69	−R 62.07
PayPal App (P2P Transfer)	0.2448	₱588.00	R 3,454.17	−R 373.59
MoneyGram Agent	0.2448	₱588.00	R 3,454.17	−R 373.59

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2605	–	R 3,829.63
Wise Cheapest	0.2608	₱237.53	R 3,772.22	−R 57.41
PayPal App (P2P Transfer)	0.2449	₱588.00	R 3,455.86	−R 373.77
MoneyGram Agent	0.2449	₱588.00	R 3,455.86	−R 373.77

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2601	–	R 3,823.65
Wise Cheapest	0.2601	₱238.02	R 3,761.43	−R 62.22
PayPal App (P2P Transfer)	0.2445	₱588.00	R 3,450.46	−R 373.19
MoneyGram Agent	0.2445	₱588.00	R 3,450.46	−R 373.19

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2599	–	R 3,820.46
Wise Cheapest	0.2600	₱238.08	R 3,760.01	−R 60.45
PayPal App (P2P Transfer)	0.2443	₱588.00	R 3,447.58	−R 372.88
MoneyGram Agent	0.2443	₱588.00	R 3,447.58	−R 372.88

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2602	–	R 3,824.65
Wise Cheapest	0.2603	₱237.91	R 3,763.87	−R 60.78
PayPal App (P2P Transfer)	0.2446	₱588.00	R 3,451.36	−R 373.29
MoneyGram Agent	0.2446	₱588.00	R 3,451.36	−R 373.29

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2608	–	R 3,833.10
Wise Cheapest	0.2607	₱237.60	R 3,770.56	−R 62.54
PayPal App (P2P Transfer)	0.2451	₱588.00	R 3,458.99	−R 374.11
MoneyGram Agent	0.2451	₱588.00	R 3,458.99	−R 374.11

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2609	–	R 3,835.32
Wise Cheapest	0.2610	₱237.41	R 3,774.71	−R 60.61
PayPal App (P2P Transfer)	0.2453	₱588.00	R 3,460.99	−R 374.33
MoneyGram Agent	0.2453	₱588.00	R 3,460.99	−R 374.33

Sat, Oct 31, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2622	–	R 3,854.49
Wise Cheapest	0.2624	₱236.52	R 3,794.55	−R 59.94
PayPal App (P2P Transfer)	0.2465	₱588.00	R 3,478.29	−R 376.20
MoneyGram Agent	0.2465	₱588.00	R 3,478.29	−R 376.20

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2623	–	R 3,855.13
Wise Cheapest	0.2621	₱236.72	R 3,790.13	−R 65.00
PayPal App (P2P Transfer)	0.2465	₱588.00	R 3,478.87	−R 376.26
MoneyGram Agent	0.2465	₱588.00	R 3,478.87	−R 376.26

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2617	–	R 3,847.46
Wise Cheapest	0.2617	₱236.93	R 3,785.27	−R 62.19
PayPal App (P2P Transfer)	0.2460	₱588.00	R 3,471.95	−R 375.51
MoneyGram Agent	0.2460	₱588.00	R 3,471.95	−R 375.51

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2608	–	R 3,834.14
Wise Cheapest	0.2609	₱237.49	R 3,773.08	−R 61.06
PayPal App (P2P Transfer)	0.2452	₱588.00	R 3,459.93	−R 374.21
MoneyGram Agent	0.2452	₱588.00	R 3,459.93	−R 374.21

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2591	–	R 3,809.37
Wise Cheapest	0.2592	₱238.62	R 3,748.20	−R 61.17
PayPal App (P2P Transfer)	0.2436	₱588.00	R 3,437.58	−R 371.79
MoneyGram Agent	0.2436	₱588.00	R 3,437.58	−R 371.79

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2621	–	R 3,853.13
Wise Cheapest	0.2621	₱236.67	R 3,791.14	−R 61.99
PayPal App (P2P Transfer)	0.2464	₱588.00	R 3,477.07	−R 376.06
MoneyGram Agent	0.2464	₱588.00	R 3,477.07	−R 376.06

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2617	–	R 3,847.71
Wise Cheapest	0.2618	₱236.90	R 3,785.98	−R 61.73
PayPal App (P2P Transfer)	0.2460	₱588.00	R 3,472.17	−R 375.54
MoneyGram Agent	0.2460	₱588.00	R 3,472.17	−R 375.54

How to send money to South Africa from the Philippines with the best PHP-ZAR rate

Best companies for PHP/ZAR transfers