From 8 companies analysed, Regency FX is the cheapest way to send money to the Philippines, giving your recipient 513 106,86 PHP when you send SEK 80 000.
Deposit with bank transfer and use bank deposit for withdrawal to get the most PHP.
| 8 of 8 providers Last updated on 10 November 2026 | |||
| Based on 80,000 SEK transfer Best companies for SEK/PHP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee 484,47 kr 1 SEK = 6.4297 PHP +0.02% vs mid-market | Recipient gets 511 260,21 ₱ Same day | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 484,47 kr1 SEK = 6.4297 PHP 511 260,21 ₱You pay80 000,00 kr | |||
| Promoted  Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 6.3717 PHP +0.93% vs mid-market | Recipient gets 509 736,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 6.3717 PHP 509 736,00 ₱You pay80 000,00 kr | |||
Run a live search Showing top Sweden to Philippines deals for 80,000 SEK. 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 SEK 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 SEK you're planning to spend in Philippines. | |||
Run a live search These are managed services with real human support for large SEK transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee 0,00 kr 1 SEK = 6.4138 PHP +0.27% vs mid-market | Recipient gets 513 106,86 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 6.4138 PHP 513 106,86 ₱You pay80 000,00 kr | |||
 TorFx Pay via Bank transfer | Fee 0,00 kr 1 SEK = 6.4119 PHP +0.30% vs mid-market | Recipient gets 512 952,51 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 6.4119 PHP 512 952,51 ₱You pay80 000,00 kr | |||
| Wise Pay via Bank transfer | Fee 484,47 kr 1 SEK = 6.4297 PHP +0.02% vs mid-market | Recipient gets 511 260,21 ₱ Same day | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 484,47 kr1 SEK = 6.4297 PHP 511 260,21 ₱You pay80 000,00 kr | |||
 TapTap Send Pay via Debit card | Fee 0,00 kr 1 SEK = 6.3900 PHP +0.64% vs mid-market | Recipient gets 511 200,00 ₱ Minutes | |
Ways to receive money in Philippines with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 SEK = 6.3900 PHP 511 200,00 ₱You pay80 000,00 kr Mobile walletMinutesAvailable via:Coins.ph, GCash, Maya Free1 SEK = 6.3900 PHP 511 200,00 ₱You pay80 000,00 kr Mobile moneyMinutesAvailable via:Globe Free1 SEK = 6.3900 PHP 511 200,00 ₱You pay80 000,00 kr Card depositMinutesAvailable via:Pay To Card 9,15 kr1 SEK = 6.3900 PHP 511 200,00 ₱You pay80 009,15 kr Cash pickupMinutesAvailable via:Cebuana, Palawan Pawnshop & Others 28,64 kr1 SEK = 6.3900 PHP 511 200,00 ₱You pay80 028,64 kr | |||
 CurrencyFair Pay via Bank transfer | Fee 12,44 kr 1 SEK = 6.3850 PHP +0.72% vs mid-market | Recipient gets 510 720,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours 12,44 kr1 SEK = 6.3850 PHP 510 720,00 ₱You pay80 000,00 kr | |||
| Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 6.3717 PHP +0.93% vs mid-market | Recipient gets 509 736,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 6.3717 PHP 509 736,00 ₱You pay80 000,00 kr | |||
| Xe Pay via Bank transfer | Fee 0,00 kr 1 SEK = 6.3717 PHP +0.93% vs mid-market | Recipient gets 509 736,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 6.3717 PHP 509 736,00 ₱You pay80 000,00 kr | |||
| Xe Pay via Credit card | Fee 0,00 kr 1 SEK = 6.3717 PHP +0.93% vs mid-market | Recipient gets 509 736,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 6.3717 PHP 509 736,00 ₱You pay80 000,00 kr | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee 40,00 kr 1 SEK = 6.3658 PHP +1.02% vs mid-market | Recipient gets 509 264,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 6.3658 PHP 509 264,00 ₱You pay80 040,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 9,00 kr1 SEK = 6.3632 PHP 509 056,00 ₱You pay80 009,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 9,00 kr1 SEK = 6.3259 PHP 506 072,00 ₱You pay80 009,00 kr Mobile walletMinutes - 24 hoursAvailable via:GCash, Select Wallets Free1 SEK = 6.3234 PHP 505 872,00 ₱You pay80 000,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee 40,00 kr 1 SEK = 6.3658 PHP +1.02% vs mid-market | Recipient gets 509 264,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 6.3658 PHP 509 264,00 ₱You pay80 040,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 9,00 kr1 SEK = 6.3632 PHP 509 056,00 ₱You pay80 009,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 9,00 kr1 SEK = 6.3259 PHP 506 072,00 ₱You pay80 009,00 kr Mobile walletMinutes - 24 hoursAvailable via:GCash, Select Wallets Free1 SEK = 6.3234 PHP 505 872,00 ₱You pay80 000,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee 40,00 kr 1 SEK = 6.3658 PHP +1.02% vs mid-market | Recipient gets 509 264,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 6.3658 PHP 509 264,00 ₱You pay80 040,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 9,00 kr1 SEK = 6.3632 PHP 509 056,00 ₱You pay80 009,00 kr Mobile walletMinutes - 24 hoursAvailable via:Select Wallets, GCash Free1 SEK = 6.3234 PHP 505 872,00 ₱You pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee 820,00 kr 1 SEK = 6.4033 PHP +0.43% vs mid-market | Recipient gets 507 014,60 ₱ Within minutes | |
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes 820,00 kr1 SEK = 6.4033 PHP 507 014,60 ₱You pay80 000,00 kr | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Wise Pay via Debit card | Fee 1 344,52 kr 1 SEK = 6.4297 PHP +0.02% vs mid-market | Recipient gets 505 730,35 ₱ Same day | |
Ways to receive money in Philippines with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 1 344,52 kr1 SEK = 6.4297 PHP 505 730,35 ₱You pay80 000,00 kr | |||
| Wise Pay via Credit card | Fee 1 506,60 kr 1 SEK = 6.4297 PHP +0.02% vs mid-market | Recipient gets 504 688,23 ₱ Same day | |
Ways to receive money in Philippines with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 1 506,60 kr1 SEK = 6.4297 PHP 504 688,23 ₱You pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee 2 540,00 kr 1 SEK = 6.4033 PHP +0.43% vs mid-market | Recipient gets 496 000,90 ₱ Within minutes | |
Ways to receive money in Philippines with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes 2 540,00 kr1 SEK = 6.4033 PHP 496 000,90 ₱You pay80 000,00 kr | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| How Our Results Work Mid-market rate: 1 SEK = 6.4312 PHP Updates every 60 minutes. | |||
Transfer details
For a one-off SEK transfer to the Philippines, I suggest picking the cheapest option which is Regency FX.
Regency FX was the cheapest on 24 of the 24 days it quoted kr80 000 transfers to the Philippines.
On a 80 000 SEK transfer, Regency FX delivers the most PHP.
The best option will change depending on how much you actually send, so I suggest to get the best SEK/PHP rate.
You can pay for the transfer using bank transfer, debit card, and credit card.
A transfer from your Swedish bank is usually the easiest way to fund the transfer.
Before you can send money to the Philippines, you'll need to verify your account.
Most companies do it with BankID.
If you can't get BankID yet, some companies will take a passport instead (but it's less common).
How much SEK 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 Regency FX was the cheapest in 100% of the transfers from SEK 50,000 it quoted, and in 100% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| 5 000 kr | -1.24% | 0,00 kr | 32 593,19 ₱with debit card to bank deposit | +631,78 ₱ | |
| 10 000 kr | -0.27% | 0,00 kr | 64 471,00 ₱with debit card to cash pickup | +826,98 ₱ | |
| 25 000 kr | 0.55% | 0,00 kr | 160 075,00 ₱with debit card to cash pickup | +1 255,07 ₱ | |
| 50 000 kr | 0.30% | 0,00 kr | 320 522,49 ₱with bank transfer to bank deposit | +3 340,54 ₱ | |
| 80 000 krThis page | 0.27% | 0,00 kr | 513 106,86 ₱with bank transfer to bank deposit | +4 461,95 ₱ |
Mid-market rate: 1 SEK = 6.4312 PHP
The cheapest way to send SEK 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 Regency FX), across 30 days of comparisons for 80 000 SEK transfers to the Philippines.
Tue, 10 Nov 2026Mid-market rate514 496,00 ₱ Regency FX 513 106,86 ₱Regency FX513 106,86 ₱TorFx512 952,51 ₱Wise511 260,21 ₱
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.2831 | – | 502 646,56 ₱ | |
| | 6.2661 | 0,00 kr | 501 289,41 ₱ | −1 357,15 ₱ |
| | 6.2642 | 0,00 kr | 501 138,62 ₱ | −1 507,94 ₱ |
| | 6.2827 | 484,47 kr | 499 572,22 ₱ | −3 074,34 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.2672 | – | 501 374,40 ₱ | |
| | 6.2503 | 0,00 kr | 500 020,69 ₱ | −1 353,71 ₱ |
| | 6.2484 | 0,00 kr | 499 870,28 ₱ | −1 504,12 ₱ |
| | 6.2711 | 484,47 kr | 498 653,02 ₱ | −2 721,38 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.3128 | – | 505 024,16 ₱ | |
 | 6.2991 | 0,00 kr | 503 931,20 ₱ | −1 092,96 ₱ |
| | 6.3116 | 484,47 kr | 501 872,60 ₱ | −3 151,56 ₱ |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 6.2900 | 0,00 kr | 503 200,00 ₱ | – |
| | 6.3166 | 484,47 kr | 502 263,82 ₱ | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.3575 | – | 508 596,48 ₱ | |
| | 6.3403 | 0,00 kr | 507 223,27 ₱ | −1 373,21 ₱ |
| | 6.3384 | 0,00 kr | 507 070,69 ₱ | −1 525,79 ₱ |
| | 6.3558 | 484,47 kr | 505 385,60 ₱ | −3 210,88 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.3543 | – | 508 341,20 ₱ | |
| | 6.3371 | 0,00 kr | 506 968,68 ₱ | −1 372,52 ₱ |
| | 6.3352 | 0,00 kr | 506 816,18 ₱ | −1 525,02 ₱ |
| | 6.3616 | 484,47 kr | 505 848,38 ₱ | −2 492,82 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.3543 | – | 508 341,20 ₱ | |
| | 6.3371 | 0,00 kr | 506 968,68 ₱ | −1 372,52 ₱ |
| | 6.3352 | 0,00 kr | 506 816,18 ₱ | −1 525,02 ₱ |
| | 6.3616 | 484,47 kr | 505 848,38 ₱ | −2 492,82 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 6.3300 | 0,00 kr | 506 400,00 ₱ | – |
| | 6.3548 | 484,47 kr | 505 306,88 ₱ | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.3703 | – | 509 621,28 ₱ | |
| | 6.3531 | 0,00 kr | 508 245,30 ₱ | −1 375,98 ₱ |
| | 6.3512 | 0,00 kr | 508 092,42 ₱ | −1 528,86 ₱ |
| | 6.3707 | 484,47 kr | 506 571,97 ₱ | −3 049,31 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.3918 | – | 511 346,72 ₱ | |
| | 6.3715 | 0,00 kr | 509 721,04 ₱ | −1 625,68 ₱ |
| | 6.3892 | 484,47 kr | 508 042,21 ₱ | −3 304,51 ₱ |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4154 | – | 513 230,48 ₱ | |
| | 6.3981 | 0,00 kr | 511 844,76 ₱ | −1 385,72 ₱ |
| | 6.3961 | 0,00 kr | 511 690,79 ₱ | −1 539,69 ₱ |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 6.3700 | 0,00 kr | 509 600,00 ₱ | – |
| | 6.4017 | 484,47 kr | 509 030,59 ₱ | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 6.3700 | 0,00 kr | 509 600,00 ₱ | – |
| | 6.4061 | 484,47 kr | 509 382,85 ₱ | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4055 | – | 512 438,96 ₱ | |
| | 6.3882 | 0,00 kr | 511 055,37 ₱ | −1 383,59 ₱ |
| | 6.3863 | 0,00 kr | 510 901,64 ₱ | −1 537,32 ₱ |
| | 6.4061 | 484,47 kr | 509 382,85 ₱ | −3 056,11 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4377 | – | 515 013,12 ₱ | |
| | 6.4203 | 0,00 kr | 513 622,58 ₱ | −1 390,54 ₱ |
| | 6.4184 | 0,00 kr | 513 468,08 ₱ | −1 545,04 ₱ |
| | 6.4374 | 484,47 kr | 511 876,45 ₱ | −3 136,67 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4224 | – | 513 794,48 ₱ | |
| | 6.4051 | 0,00 kr | 512 407,23 ₱ | −1 387,25 ₱ |
| | 6.4032 | 0,00 kr | 512 253,10 ₱ | −1 541,38 ₱ |
| | 6.4209 | 484,47 kr | 510 558,88 ₱ | −3 235,60 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4340 | – | 514 720,40 ₱ | |
| | 6.4166 | 0,00 kr | 513 330,65 ₱ | −1 389,75 ₱ |
| | 6.4147 | 0,00 kr | 513 176,24 ₱ | −1 544,16 ₱ |
| | 6.4312 | 484,47 kr | 511 378,69 ₱ | −3 341,71 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4428 | – | 515 422,08 ₱ | |
| | 6.4254 | 0,00 kr | 514 030,44 ₱ | −1 391,64 ₱ |
| | 6.4234 | 0,00 kr | 513 875,81 ₱ | −1 546,27 ₱ |
| | 6.4451 | 484,47 kr | 512 487,93 ₱ | −2 934,15 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4822 | – | 518 575,36 ₱ | |
| | 6.4647 | 0,00 kr | 517 175,21 ₱ | −1 400,15 ₱ |
| | 6.4627 | 0,00 kr | 517 019,63 ₱ | −1 555,73 ₱ |
| | 6.4795 | 484,47 kr | 515 224,85 ₱ | −3 350,51 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4892 | – | 519 138,48 ₱ | |
| | 6.4717 | 0,00 kr | 517 736,81 ₱ | −1 401,67 ₱ |
| | 6.4698 | 0,00 kr | 517 581,06 ₱ | −1 557,42 ₱ |
| | 6.4817 | 484,47 kr | 515 396,61 ₱ | −3 741,87 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4892 | – | 519 138,48 ₱ | |
| | 6.4717 | 0,00 kr | 517 736,81 ₱ | −1 401,67 ₱ |
| | 6.4698 | 0,00 kr | 517 581,06 ₱ | −1 557,42 ₱ |
| | 6.4817 | 484,47 kr | 515 396,61 ₱ | −3 741,87 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4914 | – | 519 308,72 ₱ | |
| | 6.4738 | 0,00 kr | 517 906,59 ₱ | −1 402,13 ₱ |
| | 6.4719 | 0,00 kr | 517 750,79 ₱ | −1 557,93 ₱ |
| | 6.4990 | 484,47 kr | 516 773,81 ₱ | −2 534,91 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4873 | – | 518 982,08 ₱ | |
| | 6.4698 | 0,00 kr | 517 580,83 ₱ | −1 401,25 ₱ |
| | 6.4678 | 0,00 kr | 517 425,13 ₱ | −1 556,95 ₱ |
| | 6.4866 | 484,47 kr | 515 783,85 ₱ | −3 198,23 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.5073 | – | 520 582,88 ₱ | |
| | 6.4897 | 0,00 kr | 519 177,31 ₱ | −1 405,57 ₱ |
| | 6.4878 | 0,00 kr | 519 021,13 ₱ | −1 561,75 ₱ |
| | 6.5094 | 484,47 kr | 517 594,42 ₱ | −2 988,46 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4934 | – | 519 473,92 ₱ | |
| | 6.4759 | 0,00 kr | 518 071,34 ₱ | −1 402,58 ₱ |
| | 6.4739 | 0,00 kr | 517 915,50 ₱ | −1 558,42 ₱ |
| | 6.4957 | 484,47 kr | 516 505,05 ₱ | −2 968,87 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4090 | – | 512 722,16 ₱ | |
| | 6.3917 | 0,00 kr | 511 337,81 ₱ | −1 384,35 ₱ |
| | 6.3898 | 0,00 kr | 511 183,99 ₱ | −1 538,17 ₱ |
| | 6.4095 | 484,47 kr | 509 657,18 ₱ | −3 064,98 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.3781 | – | 510 247,20 ₱ | |
| | 6.3609 | 0,00 kr | 508 869,53 ₱ | −1 377,67 ₱ |
| | 6.3590 | 0,00 kr | 508 716,46 ₱ | −1 530,74 ₱ |
| | 6.3720 | 484,47 kr | 506 674,55 ₱ | −3 572,65 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.3781 | – | 510 247,20 ₱ | |
| | 6.3609 | 0,00 kr | 508 869,53 ₱ | −1 377,67 ₱ |
| | 6.3590 | 0,00 kr | 508 716,46 ₱ | −1 530,74 ₱ |
| | 6.3720 | 484,47 kr | 506 674,55 ₱ | −3 572,65 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4155 | – | 513 236,32 ₱ | |
| | 6.3981 | 0,00 kr | 511 850,58 ₱ | −1 385,74 ₱ |
| | 6.3962 | 0,00 kr | 511 696,61 ₱ | −1 539,71 ₱ |
| | 6.4145 | 484,47 kr | 510 049,19 ₱ | −3 187,13 ₱ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 6.4312 | – | 514 496,00 ₱ | |
| | 6.4138 | 0,00 kr | 513 106,86 ₱ | −1 389,14 ₱ |
| | 6.4119 | 0,00 kr | 512 952,51 ₱ | −1 543,49 ₱ |
| | 6.4297 | 484,47 kr | 511 260,21 ₱ | −3 235,79 ₱ |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 6.4312 | – | 514 496,00 ₱ | |
|---|---|---|---|---|
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Each line shows what the recipient gets when you send 80 000 kr, after fees, as quoted by each company. The mid-market line shows what 80 000 kr 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 SEK 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 Sweden.
Right now, Regency FX pays 513 106,86 PHP on 80 000 SEK, which is 1 389,14 PHP less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 519 177,31 PHP.
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.
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 146 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.
Cheapest every time
Cheapest in 50% of them
Cheapest in 6% of them
Based on 35 comparisons across 5 amounts over the last 7 days.
Cheapest every time
Cheapest in 54% of them
Cheapest in 9% of them
Based on 146 comparisons across 5 amounts over the last 30 days.
Cheapest in 79% of them
Cheapest in 25% of them
Cheapest in 6% of them
Based on 206 comparisons across 5 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 Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.
8 companies send money from Sweden to the Philippines, mostly through app, currency broker, online, multi-currency account, global business account, and in person, and a few more ways.
Medium-sized transfers
For a one-off transfer to the Philippines, an online service like Wise is usually the simplest place to start.
Wise charges kr484,47 to send 80 000 SEK, leaving your recipient with 511 260,21 PHP after a 0,02% markup on SEK/PHP exchange rate.
In our comparisons over the past month, it was the cheapest online service on 23 of the 29 days it quoted.
Regular SEK transfers
For smaller regular transfers, apps are the most convenient and easiest way to send money to the Philippines.
Wise charges kr484,47 on a 80 000 SEK transfer and money will arrive in next day.
Over the past month, Wise was the cheapest app on 41% of the days it appeared for kr80 000 transfers.
Your recipient can withdraw via bank deposit, cash pickup, card deposit, mobile wallet, and mobile money.
In many cases you will need a BankID to verify your account, but a few will do with a passport or driver's licence.
Spending and travelling
A multi-currency account makes sense if you regularly need PHP.
You can convert your kronor in advance and use the balance when needed without extra fees.
Wise converts SEK 80 000 with a 0,02% exchange-rate markup and holds the PHP in your account.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
Paying from business accounts
If your business receives and sends money in the Philippines, a global account keeps the PHP in one place.
You can pay invoices from the balance and convert when needed.
WorldFirst and Airwallex are good options to try.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80 000 SEK gives your recipient 513 106,86 PHP.
From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in the Philippines, the recipient can use bank deposit, cash pickup, card deposit, mobile wallet, and mobile money.
Paying from your Swedish bank account
Send SEK using the account and reference shown by the money transfer company.
You may need to use BankID to approve and verify the payment.
They can receive money to their mobile money wallet.
Enter the mobile number in the Philippines and choose the correct network.
The registered name should match the transfer details.
Use our payout filters above to find the best company offering mobile money as payout.
For cash pickup, they can collect PHP from a nearby MoneyGram agent in the Philippines.
Swish is useful for payments within Sweden, but it does not send PHP to the Philippines.
You pay kr80,000.00
₱513,107
Cheapest
You pay kr80,000.00
₱511,200
-₱1,907
You pay kr80,000.00
₱511,200
-₱1,907
You pay kr80,000.00
₱511,200
-₱1,907
You pay kr80,009.15
₱511,200
-₱1,907
You pay kr80,028.64
₱511,200
-₱1,907
You pay kr80,000.00
₱509,736
-₱3,371
You pay kr80,040.00
₱509,264
-₱3,843
You pay kr80,040.00
₱509,264
-₱3,843
You pay kr80,009.00
₱506,072
-₱7,035
You pay kr80,000.00
₱505,872
-₱7,235
You pay kr80,000.00
₱505,872
-₱7,235
Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most PHP from Sweden.
Cheapest way to send money to the Philippines
The cheapest option for an SEK 80 000 transfer is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 513 106,86 PHP, which is 0,03% more than the next best option.
Fastest way to send money to the Philippines
With Revolut, a bank transfer deposit and bank deposit payout delivers 507 014,60 PHP in within minutes.
Swish moves money between participating Swedish accounts, it cannot send SEK to the Philippines.
You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to the Philippines over local rails or SWIFT.
A bank can ask for the purpose and source of a large or unusual payment.
Property sales, inheritances and transfers between your own accounts are easier to clear when the documents match the description you gave the bank.
Tell your bank before a time-sensitive payment and keep the sale contract, estate document or account statement ready.
And do not split one large payment into many small ones, since it can trigger more questions.
Sweden has no gift or inheritance tax, so sending a cash gift does not create a Swedish gift-tax return.
The Philippines may have their own rules on receiving monetary gifts.
We track 8 companies sending SEK to the Philippines, all registered with Finansinspektionen or passported in, with rates refreshed in real time on live searches.
The krona floats, so we compare on what actually arrives, alongside fees and the ways to pay and collect.
In the past 30 days alone, we analysed 146 comparisons across 5 amounts.
This page covers the cheapest and fastest options for SEK/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.
Each goes through our review. More on who we are, why you can trust us and getting started.
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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