From 8 companies analysed, Regency FX is the cheapest way to send money to Philippines, giving your recipient 501,724.48 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 28 September 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 = 6.2888 PHP 0.00% vs mid-market | Recipient gets 500 054,08 ₱ 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 = 6.2888 PHP 500 054,08 ₱You pay80 000,00 kr | |||
| Promoted  Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 6.2196 PHP +1.10% vs mid-market | Recipient gets 497 568,00 ₱ 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 = 6.2196 PHP 497 568,00 ₱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 = 6.2716 PHP +0.27% vs mid-market | Recipient gets 501 724,48 ₱ 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 = 6.2716 PHP 501 724,48 ₱You pay80 000,00 kr | |||
 TorFx Pay via Bank transfer | Fee 0,00 kr 1 SEK = 6.2697 PHP +0.30% vs mid-market | Recipient gets 501 573,55 ₱ 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 = 6.2697 PHP 501 573,55 ₱You pay80 000,00 kr | |||
| Wise Pay via Bank transfer | Fee 484,47 kr 1 SEK = 6.2888 PHP 0.00% vs mid-market | Recipient gets 500 054,08 ₱ 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 = 6.2888 PHP 500 054,08 ₱You pay80 000,00 kr | |||
 CurrencyFair Pay via Bank transfer | Fee 12,72 kr 1 SEK = 6.2440 PHP +0.71% vs mid-market | Recipient gets 499 440,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours 12,72 kr1 SEK = 6.2440 PHP 499 440,00 ₱You pay80 000,00 kr | |||
 TapTap Send Pay via Debit card | Fee 0,00 kr 1 SEK = 6.2300 PHP +0.94% vs mid-market | Recipient gets 498 400,00 ₱ Minutes | |
Ways to receive money in Philippines with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 SEK = 6.2300 PHP 498 400,00 ₱You pay80 000,00 kr Mobile walletMinutesAvailable via:Coins.ph, GCash, Maya Free1 SEK = 6.2300 PHP 498 400,00 ₱You pay80 000,00 kr Mobile moneyMinutesAvailable via:Globe Free1 SEK = 6.2300 PHP 498 400,00 ₱You pay80 000,00 kr Card depositMinutesAvailable via:Pay To Card 9,15 kr1 SEK = 6.2300 PHP 498 400,00 ₱You pay80 009,15 kr Cash pickupMinutesAvailable via:Cebuana, Palawan Pawnshop & Others 28,64 kr1 SEK = 6.2300 PHP 498 400,00 ₱You pay80 028,64 kr | |||
| Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 6.2196 PHP +1.10% vs mid-market | Recipient gets 497 568,00 ₱ 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 = 6.2196 PHP 497 568,00 ₱You pay80 000,00 kr | |||
| Xe Pay via Bank transfer | Fee 0,00 kr 1 SEK = 6.2196 PHP +1.10% vs mid-market | Recipient gets 497 568,00 ₱ 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 = 6.2196 PHP 497 568,00 ₱You pay80 000,00 kr | |||
| Xe Pay via Credit card | Fee 0,00 kr 1 SEK = 6.2196 PHP +1.10% vs mid-market | Recipient gets 497 568,00 ₱ 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 = 6.2196 PHP 497 568,00 ₱You pay80 000,00 kr | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee 9,00 kr 1 SEK = 6.2152 PHP +1.17% vs mid-market | Recipient gets 497 216,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 9,00 kr1 SEK = 6.2152 PHP 497 216,00 ₱You pay80 009,00 kr Mobile walletMinutes - 24 hoursAvailable via:GCash, Select Wallets Free1 SEK = 6.1767 PHP 494 136,00 ₱You pay80 000,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 9,00 kr1 SEK = 6.1767 PHP 494 136,00 ₱You pay80 009,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 6.1767 PHP 494 136,00 ₱You pay80 040,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee 9,00 kr 1 SEK = 6.2152 PHP +1.17% vs mid-market | Recipient gets 497 216,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 9,00 kr1 SEK = 6.2152 PHP 497 216,00 ₱You pay80 009,00 kr Mobile walletMinutes - 24 hoursAvailable via:GCash, Select Wallets Free1 SEK = 6.1767 PHP 494 136,00 ₱You pay80 000,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 9,00 kr1 SEK = 6.1767 PHP 494 136,00 ₱You pay80 009,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 6.1767 PHP 494 136,00 ₱You pay80 040,00 kr | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee 820,00 kr 1 SEK = 6.2610 PHP +0.44% vs mid-market | Recipient gets 495 743,38 ₱ 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 = 6.2610 PHP 495 743,38 ₱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 = 6.2888 PHP 0.00% vs mid-market | Recipient gets 494 645,44 ₱ 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 = 6.2888 PHP 494 645,44 ₱You pay80 000,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee 0,00 kr 1 SEK = 6.1767 PHP +1.79% vs mid-market | Recipient gets 494 136,00 ₱ Minutes - 24 hours | |
Ways to receive money in Philippines with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets, GCash Free1 SEK = 6.1767 PHP 494 136,00 ₱You pay80 000,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 9,00 kr1 SEK = 6.1767 PHP 494 136,00 ₱You pay80 009,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 6.1767 PHP 494 136,00 ₱You pay80 040,00 kr | |||
| Wise Pay via Credit card | Fee 1 506,60 kr 1 SEK = 6.2888 PHP 0.00% vs mid-market | Recipient gets 493 626,15 ₱ 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 = 6.2888 PHP 493 626,15 ₱You pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee 2 540,00 kr 1 SEK = 6.2610 PHP +0.44% vs mid-market | Recipient gets 484 974,52 ₱ 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 = 6.2610 PHP 484 974,52 ₱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 = 6.2885 PHP Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Philippines, I suggest picking the cheapest option which is Regency FX.
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 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 its less common).
8 companies send money from Sweden to Philippines, mostly through app, broker, online, multi-currency account, global account, and in person, and a few more ways.
Medium-sized transfers
For a one-off transfer to 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 500,054.08 after a 0% markup on SEK/PHP exchange rate.
Regular SEK transfers
For smaller regular transfers, apps are the most convenient and easiest way to send money to Philippines.
Wise charges kr484.47 on a 80,000 SEK transfer and money will arrive in next day.
You recipient can withdraw via bank deposit, card deposit, mobile wallet, cash pickup, and mobile money.
In many cases you will need a BankID to verify your account, but a few will do with a passport or drivers 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% exchange-rate markup and holds the PHP in your account.
Paying from business accounts
If your business receives and sends money in 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 501,724.48 PHP.
From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in Philippines, the recipient can use bank deposit, card deposit, mobile wallet, cash pickup, 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 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 Philippines.
Swish is useful for payments within Sweden, but it does not send PHP to Philippines.
You pay kr80,000.00
₱501,724
Cheapest
You pay kr80,000.00
₱498,400
-₱3,324
You pay kr80,000.00
₱498,400
-₱3,324
You pay kr80,000.00
₱498,400
-₱3,324
You pay kr80,009.15
₱498,400
-₱3,324
You pay kr80,028.64
₱498,400
-₱3,324
You pay kr80,000.00
₱497,568
-₱4,156
You pay kr80,009.00
₱497,216
-₱4,508
You pay kr80,000.00
₱494,136
-₱7,588
You pay kr80,040.00
₱494,136
-₱7,588
You pay kr80,000.00
₱494,136
-₱7,588
You pay kr80,040.00
₱494,136
-₱7,588
Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most of PHP from Sweden.
Cheapest way to send money to Philippines
The cheapest option for PHP 501,724.48 is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 501,724.48 PHP, which is 0.03% more than the next best option.
Fastest way to send money to Philippines
With Revolut, a bank transfer deposit and bank deposit payout delivers 495,743.38 PHP in within minutes.
Swish moves money between participating Swedish accounts, it cannot send SEK to Philippines.
You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to 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.
Philippines may have their own rules on receiving monetary gifts.
The final rate controls how much PHP you get for your SEK, so compare it alongside the transfer fee.
Mid-market rate:1 SEK = 6.279102 PHP
We track 8 companies sending SEK to 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.
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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