Revolut is the fastest way to send money to Philippines from Singapore right now, with delivery in within minutes. Regency FX is cheapest overall, paying out 487,463.48 PHP for a $10,000 transfer.
| 7 of 7 providers Last updated on 28 September 2026 | |||
| Based on 10,000 SGD transfer Best companies for SGD/PHP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $40.49 1 SGD = 48.8694 PHP +0.02% vs mid-market | Recipient gets ₱486,715.28 Same day | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $40.491 SGD = 48.8694 PHP ₱486,715.28You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 SGD = 48.3123 PHP +1.16% vs mid-market | Recipient gets ₱483,123.40 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 48.3123 PHP ₱483,123.40You pay$10,000.00 | |||
Run a live search Showing top Singapore to Philippines deals for 10,000 SGD. 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 SGD 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 SGD you're planning to spend in Philippines. | |||
Run a live search These are managed services with real human support for large SGD 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 1 SGD = 48.7463 PHP +0.27% vs mid-market | Recipient gets ₱487,463.48 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 SGD = 48.7463 PHP ₱487,463.48You pay$10,000.00 | |||
 TorFx Pay via Bank transfer | Fee $0.00 1 SGD = 48.7317 PHP +0.30% vs mid-market | Recipient gets ₱487,316.84 Minutes - 24 hours | |
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 48.7317 PHP ₱487,316.84You pay$10,000.00 | |||
| Wise Pay via Bank transfer | Fee $40.49 1 SGD = 48.8694 PHP +0.02% vs mid-market | Recipient gets ₱486,715.28 Same day | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $40.491 SGD = 48.8694 PHP ₱486,715.28You pay$10,000.00 | |||
| Wise Pay via PayNow | Fee $40.49 1 SGD = 48.8694 PHP +0.02% vs mid-market | Recipient gets ₱486,715.28 Same day | |
Ways to receive money in Philippines with Wise when paying by paynow. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $40.491 SGD = 48.8694 PHP ₱486,715.28You pay$10,000.00 | |||
 OFX Pay via Bank transfer | Fee $0.00 1 SGD = 48.6339 PHP +0.50% vs mid-market | Recipient gets ₱486,339.27 Minutes - 24 hours | |
Ways to receive money in Philippines with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 48.6339 PHP ₱486,339.27You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $65.00 1 SGD = 48.8479 PHP +0.06% vs mid-market | Recipient gets ₱485,303.85 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $65.001 SGD = 48.8479 PHP ₱485,303.85You pay$10,000.00 | |||
| 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. | |||
 CurrencyFair Pay via Bank transfer | Fee $1.64 1 SGD = 48.5350 PHP +0.70% vs mid-market | Recipient gets ₱485,270.00 Minutes - 24 hours | |
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $1.641 SGD = 48.5350 PHP ₱485,270.00You pay$10,000.00 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 SGD = 48.3123 PHP +1.16% vs mid-market | Recipient gets ₱483,123.40 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 48.3123 PHP ₱483,123.40You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee $131.75 1 SGD = 48.8479 PHP +0.06% vs mid-market | Recipient gets ₱482,043.25 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $131.751 SGD = 48.8479 PHP ₱482,043.25You pay$10,000.00 | |||
| 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 $495.82 1 SGD = 48.8694 PHP +0.02% vs mid-market | Recipient gets ₱464,463.57 Same day | |
Ways to receive money in Philippines with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $495.821 SGD = 48.8694 PHP ₱464,463.57You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 SGD = 48.8783 PHP Updates every 60 minutes. | |||
Transfer details
I suggest starting with Regency FX which is the cheapest option for sending $10,000.
There are 3 methods to fund the transfer form Singapore, including bank transfer, debit card, and paynow.
Where possible, use PayNow to fund your account, it is usually free and takes seconds.
Before you can send money to Philippines, you'll need to verify your account using Singpass, or a passport and pass if you're not a resident.
How much SGD you send to 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | -1.15% | $5.00 | ₱49,185.02with cash deposit to cash pickup | +₱864.69 | |
| $10,000This page | 0.27% | $0.00 | ₱487,463.48with bank transfer to bank deposit | +₱3,988.06 |
Mid-market rate: 1 SGD = 48.8783 PHP
There are 5 ways to send money to Philippines across 7 money transfer companies.
Cheapest way to send money
Sending PHP from Singapore with a specialist like Wise is quick, easy, and cheap.
You sign up online or through the app, verify account details, enter the amount, fund your transfer, and click send.
Wise charges $40.49 to send $10,000, delivering 486,715.28 PHP after a 0.02% markup and 40.49 SGD fee.
Large transfers from Singapore
Brokers are the best for large SGD transfers to the Philippines.
A currency broker can quote a lower margin on a large SGD to PHP transfers and help with the paperwork and the entire process.
For example, Regency FX charges an exchange-rate markup of around 0.27% and no fees.
Large transfers may be held briefly for Singapore’s anti-scam checks, so if your transfer is time sensitive, start the process a bit earlier.
Regular spending abroad
A multi-currency account like Wise lets you convert SGD to PHP before travelling or paying your own bills overseas.
And you can hold both currencies in one account.
Wise will get you 486,715.28 PHP after fees when converting 10,000 SGD.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $10,000 gives your recipient 487,463.48 PHP.
Pay in SGD through bank transfer, debit card, and paynow.
Funding the transfer with PayNow
This is the quickest and simplest way to pay for your transfer to Philippines from Singapore.
Scan the company's PayNow QR code or use its registered identifier.
In Philippines, they can receive PHP using bank deposit.
You pay $10,000.00
₱487,463
Cheapest
You pay $10,000.00
₱486,715
-₱748
You pay $10,000.00
₱482,043
-₱5,420
Consider these things before sending money from Singapore to Philippines.
For a $10,000 transfer to Philippines, these are the best options to start with:
Cheapest: Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 487,463.48 PHP, which is 0.03% more than the next best option.
Fastest: Revolut, funded through bank transfer with bank deposit for the payout. Your recipient gets 485,303.85 PHP in within minutes.
Eligible SGD deposits at participating banks are insured by SDIC up to S$100,000 per depositor and bank.
A balance with a non-bank transfer company is not a bank deposit and does not receive the same cover, even when the company is MAS-licensed.
When unsure, check the legal company in the MAS Financial Institutions Directory before paying.
The exchange rate directly affects how much PHP arrives for your SGD.
Mid-market rate:1 SGD = 48.904181 PHP
Every company here holds a MAS licence, which you can check yourself on the MAS register.
We track 7 of them on SGD to Philippines, refreshed in real time on live searches, and compare on the amount that arrives rather than the headline fee.
Each goes through our review. More on who we are, why you can trust us and how to get 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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