Send Money to Philippines from South Africa | Best ZAR-PHP Exchange Rates

Best companies for ZAR/PHP transfers
4 of 4 providers Last updated on 10 November 2026
Based on 130,000 ZAR transfer Best companies for ZAR/PHP transfers Sort Cheapest
Promoted TorFx Pay via Bank transfer	Fee R 0,00 1 ZAR = 3.8328 PHP +0.30% vs mid-market	Recipient gets ₱498 266,59 Minutes - 24 hours
2 reviews Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 3.8328 PHP ₱498 266,59You payR 130 000,00
Promoted Regency FX Pay via Bank transfer	Fee R 0,00 1 ZAR = 3.8340 PHP +0.27% vs mid-market	Recipient gets ₱498 416,52 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Philippines with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 3.8340 PHP ₱498 416,52You payR 130 000,00
Run a live search Showing top South Africa to Philippines deals for 130,000 ZAR. 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 ZAR 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 ZAR you're planning to spend in Philippines.
Run a live search These are managed services with real human support for large ZAR 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 R 0,00 1 ZAR = 3.8340 PHP +0.27% vs mid-market	Recipient gets ₱498 416,52 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Philippines with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 3.8340 PHP ₱498 416,52You payR 130 000,00
TorFx Pay via Bank transfer	Fee R 0,00 1 ZAR = 3.8328 PHP +0.30% vs mid-market	Recipient gets ₱498 266,59 Minutes - 24 hours
2 reviews FastestOur top pick Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 3.8328 PHP ₱498 266,59You payR 130 000,00
CurrencyFair Pay via Bank transfer	Fee R 20,81 1 ZAR = 3.8180 PHP +0.69% vs mid-market	Recipient gets ₱496 260,00 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours R 20,811 ZAR = 3.8180 PHP ₱496 260,00You payR 130 000,00
Only available via Mobile App WorldRemit Pay via Debit card	Fee R 7,50 1 ZAR = 3.8112 PHP +0.87% vs mid-market	Recipient gets ₱495 423,52 Minutes - 2 days
13 reviews Receive to bank account or cash pickup
Ways to receive money in Philippines with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 2 days R 7,501 ZAR = 3.8112 PHP ₱495 423,52You payR 130 000,00
How Our Results Work Mid-market rate: 1 ZAR = 3.8444 PHP Updates every 60 minutes.

Why compare

ZAR/PHP exchange rate

Best ways to pay & receive

Transfer speed

How to send money from South Africa to Philippines

Pick a company

For a one-off transfer to the Philippines, I suggest picking the cheapest option which is Regency FX.

Regency FX was the cheapest on 28 of the 28 days it quoted R130,000 transfers to the Philippines.

On a 130,000 ZAR 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 ZAR/PHP rate.

Fund your transfer

You have 2 ways to pay, including bank transfer and debit card.

PayShap is the quickest way to fund your transfer, though it caps at R50,000 a transaction.

Above that you're on a normal EFT, which is same-day or next-day rather than instant.

Verify and send

First time round you'll need your ID and proof of address.

Anything beyond your yearly allowance needs a tax number and clearance from SARS first, so check which side of that line you're on.

Compare amounts

How much ZAR are you sending to Philippines?

How much ZAR 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 all the transfers it quoted over the past month.


R 2 000	0.86%	R 7,50	₱7 593,76with debit card to cash pickup	+₱2 118,48
R 4 500	0.95%	R 7,50	₱17 121,68with debit card to cash pickup	+₱2 499,82
R 5 000	0.71%	R 20,82	₱19 000,00with bank transfer to bank deposit	+₱2 562,99
R 50 000	0.27%	R 0,00	₱191 633,49with bank transfer to bank deposit	+₱767,84
R 100 000	0.27%	R 0,00	₱383 630,29with bank transfer to bank deposit	+₱1 260,13
R 130 000This page	0.27%	R 0,00	₱498 416,52with bank transfer to bank deposit	+₱1 324,86

Mid-market rate: 1 ZAR = 3.8444 PHP

ZAR/PHP Exchange Rate History

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

The cheapest way to send ZAR 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 130,000 ZAR transfers to the Philippines.

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8050	–	₱494 655,46
Regency FX Cheapest	3.7948	R 0,00	₱493 319,89	−₱1 335,57
TorFx	3.7936	R 0,00	₱493 171,49	−₱1 483,97
CurrencyFair	3.7790	R 21,02	₱491 190,00	−₱3 465,46

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8137	–	₱495 781,00
Regency FX Cheapest	3.8034	R 0,00	₱494 442,39	−₱1 338,61
TorFx	3.8023	R 0,00	₱494 293,66	−₱1 487,34
CurrencyFair No quote collected this day	–	–	–	–

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8143	–	₱495 861,08
Regency FX Cheapest	3.8040	R 0,00	₱494 522,26	−₱1 338,82
TorFx	3.8029	R 0,00	₱494 373,50	−₱1 487,58
CurrencyFair	3.7890	R 20,97	₱492 490,00	−₱3 371,08

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8077	–	₱494 998,92
Regency FX Cheapest	3.7974	R 0,00	₱493 662,42	−₱1 336,50
TorFx	3.7963	R 0,00	₱493 513,92	−₱1 485,00
CurrencyFair	3.7810	R 21,01	₱491 450,00	−₱3 548,92

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8332	–	₱498 319,38
Regency FX Cheapest	3.8229	R 0,00	₱496 973,92	−₱1 345,46
TorFx	3.8217	R 0,00	₱496 824,42	−₱1 494,96
CurrencyFair	3.8050	R 20,87	₱494 570,00	−₱3 749,38

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8187	–	₱496 433,08
Regency FX Cheapest	3.8084	R 0,00	₱495 092,71	−₱1 340,37
TorFx	3.8073	R 0,00	₱494 943,78	−₱1 489,30
CurrencyFair	3.7980	R 20,95	₱493 660,00	−₱2 773,08

Sun, 18 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8187	–	₱496 433,08
Regency FX Cheapest	3.8084	R 0,00	₱495 092,71	−₱1 340,37
TorFx	3.8073	R 0,00	₱494 943,78	−₱1 489,30
CurrencyFair	3.7980	R 20,95	₱493 660,00	−₱2 773,08

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8242	–	₱497 141,32
Regency FX Cheapest	3.8138	R 0,00	₱495 799,04	−₱1 342,28
TorFx	3.8127	R 0,00	₱495 649,90	−₱1 491,42
CurrencyFair	3.7970	R 20,92	₱493 530,00	−₱3 611,32

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
CurrencyFair Cheapest	3.8160	R 80,00	₱496 000,00	–
Regency FX No quote collected this day	–	–	–	–
TorFx No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8615	–	₱501 991,10
Regency FX Cheapest	3.8510	R 0,00	₱500 635,72	−₱1 355,38
TorFx	3.8499	R 0,00	₱500 485,13	−₱1 505,97
CurrencyFair	3.8330	R 20,72	₱498 210,00	−₱3 781,10

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8548	–	₱501 119,58
Regency FX Cheapest	3.8444	R 0,00	₱499 766,56	−₱1 353,02
TorFx	3.8432	R 0,00	₱499 616,22	−₱1 503,36
CurrencyFair	3.8280	R 20,75	₱497 560,00	−₱3 559,58

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8422	–	₱499 488,86
Regency FX Cheapest	3.8318	R 0,00	₱498 140,24	−₱1 348,62
TorFx	3.8307	R 0,00	₱497 990,39	−₱1 498,47
CurrencyFair	3.8150	R 20,82	₱495 870,00	−₱3 618,86

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8385	–	₱499 003,18
Regency FX Cheapest	3.8281	R 0,00	₱497 655,87	−₱1 347,31
TorFx	3.8270	R 0,00	₱497 506,17	−₱1 497,01
CurrencyFair	3.8070	R 20,84	₱494 830,00	−₱4 173,18

Sun, 25 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8385	–	₱499 003,18
Regency FX Cheapest	3.8281	R 0,00	₱497 655,87	−₱1 347,31
TorFx	3.8270	R 0,00	₱497 506,17	−₱1 497,01
CurrencyFair	3.8070	R 20,84	₱494 830,00	−₱4 173,18

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8478	–	₱500 219,20
Regency FX Cheapest	3.8375	R 0,00	₱498 868,61	−₱1 350,59
TorFx	3.8363	R 0,00	₱498 718,54	−₱1 500,66
CurrencyFair	3.8210	R 20,79	₱496 650,00	−₱3 569,20

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8514	–	₱500 684,86
Regency FX Cheapest	3.8410	R 0,00	₱499 333,01	−₱1 351,85
TorFx	3.8399	R 0,00	₱499 182,81	−₱1 502,05
CurrencyFair	3.8220	R 20,77	₱496 780,00	−₱3 904,86

Wed, 28 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8428	–	₱499 559,97
Regency FX Cheapest	3.8324	R 0,00	₱498 211,16	−₱1 348,81
TorFx	3.8312	R 0,00	₱498 061,29	−₱1 498,68
CurrencyFair	3.8150	R 20,82	₱495 870,00	−₱3 689,97

Thu, 29 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8392	–	₱499 098,34
Regency FX Cheapest	3.8289	R 0,00	₱497 750,77	−₱1 347,57
TorFx	3.8277	R 0,00	₱497 601,04	−₱1 497,30
CurrencyFair	3.8120	R 20,84	₱495 480,00	−₱3 618,34

Fri, 30 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8316	–	₱498 107,48
Regency FX Cheapest	3.8213	R 0,00	₱496 762,59	−₱1 344,89
TorFx	3.8201	R 0,00	₱496 613,16	−₱1 494,32
CurrencyFair No quote collected this day	–	–	–	–

Sat, 31 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8137	–	₱495 785,68
Regency FX Cheapest	3.8034	R 0,00	₱494 447,06	−₱1 338,62
TorFx	3.8023	R 0,00	₱494 298,32	−₱1 487,36
CurrencyFair No quote collected this day	–	–	–	–

Sun, 01 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8137	–	₱495 785,68
Regency FX Cheapest	3.8034	R 0,00	₱494 447,06	−₱1 338,62
TorFx	3.8023	R 0,00	₱494 298,32	−₱1 487,36
CurrencyFair No quote collected this day	–	–	–	–

Mon, 02 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8205	–	₱496 668,51
Regency FX Cheapest	3.8102	R 0,00	₱495 327,51	−₱1 341,00
TorFx	3.8091	R 0,00	₱495 178,50	−₱1 490,01
CurrencyFair	3.7910	R 20,94	₱492 750,00	−₱3 918,51

Tue, 03 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8143	–	₱495 857,18
Regency FX Cheapest	3.8040	R 0,00	₱494 518,37	−₱1 338,81
TorFx	3.8028	R 0,00	₱494 369,61	−₱1 487,57
CurrencyFair	3.7880	R 20,97	₱492 360,00	−₱3 497,18

Wed, 04 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8501	–	₱500 515,60
Regency FX Cheapest	3.8397	R 0,00	₱499 164,21	−₱1 351,39
TorFx	3.8386	R 0,00	₱499 014,05	−₱1 501,55
CurrencyFair	3.8220	R 20,78	₱496 780,00	−₱3 735,60

Thu, 05 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8495	–	₱500 430,32
Regency FX Cheapest	3.8391	R 0,00	₱499 079,16	−₱1 351,16
TorFx	3.8379	R 0,00	₱498 929,03	−₱1 501,29
CurrencyFair	3.8220	R 20,78	₱496 780,00	−₱3 650,32

Fri, 06 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8091	–	₱495 186,51
CurrencyFair Cheapest	3.7810	R 21,00	₱491 450,00	−₱3 736,51
Regency FX No quote collected this day	–	–	–	–
TorFx No quote collected this day	–	–	–	–

Sat, 07 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8205	–	₱496 658,89
Regency FX Cheapest	3.8101	R 0,00	₱495 317,91	−₱1 340,98
TorFx	3.8090	R 0,00	₱495 168,91	−₱1 489,98
CurrencyFair	3.7820	R 20,94	₱491 580,00	−₱5 078,89

Sun, 08 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8202	–	₱496 630,03
Regency FX Cheapest	3.8099	R 0,00	₱495 289,13	−₱1 340,90
TorFx	3.8088	R 0,00	₱495 140,14	−₱1 489,89
CurrencyFair	3.7820	R 20,94	₱491 580,00	−₱5 050,03

Mon, 09 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8349	–	₱498 538,82
Regency FX Cheapest	3.8246	R 0,00	₱497 192,77	−₱1 346,05
TorFx	3.8234	R 0,00	₱497 043,20	−₱1 495,62
CurrencyFair	3.8070	R 20,86	₱494 830,00	−₱3 708,82

Tue, 10 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	3.8444	–	₱499 765,89
Regency FX Cheapest	3.8340	R 0,00	₱498 416,52	−₱1 349,37
TorFx	3.8328	R 0,00	₱498 266,59	−₱1 499,30
CurrencyFair	3.8180	R 20,81	₱496 260,00	−₱3 505,89

Each line shows what the recipient gets when you send R 130 000, after fees, as quoted by each company. The mid-market line shows what R 130 000 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 ZAR 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 South Africa.

Right now, Regency FX pays 498,416.52 PHP on 130,000 ZAR, which is 1,349.37 PHP less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 500,635.72 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.

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 the Philippines.

We've tracked 175 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

Regency FXAppeared in 49 comparisons
Cheapest every time
TorFxAppeared in 53 comparisons
Cheapest in 2% of them
CurrencyFairAppeared in 153 comparisons
Cheapest in 31% of them

Based on 175 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 Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from South Africa to Philippines

4 companies send money from South Africa to the Philippines.

Frequent transfers from South Africa

Online transfers

Apps and online services are best for recurring transfers to the Philippines.

WorldRemit is the cheapest option.

It will get you 495,423.52 PHP on a R130,000 transfer.

For fast transfers, WorldRemit is a good option, it will deliver PHP in minutes - 2 days.

In our comparisons over the past month, it was the cheapest online service on 23 of the 23 days it quoted.

Most companies will let you fund your transfer by EFT, and will ask for your FICA details.

Emigration and large transfers

Currency brokers

Currency brokers are great for large transfers from South Africa to the Philippines.

They have no fees and add a markup on top of ZAR/PHP rate.

Regency FX charges an exchange-rate markup of around 0.27% and no fees.

Our analysis shows Regency FX was the cheapest broker in 100% of all the transfers it quoted.

Also, don’t forget about the R2 million limits on transfers from South Africa (more below).

For business payments abroad

Global accounts

Global accounts like Airwallex, Veem or Payoneer help South African businesses make recurring payments to suppliers and contractors in the Philippines.

Ways to fund ZAR and receive PHP in Philippines

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R130,000 gives your recipient 498,416.52 PHP.

You can fund the transfer with bank transfer and debit card.

To receive PHP in the Philippines, your recipient can use bank deposit and cash pickup.

They can collect cash in the Philippines

To collect PHP as cash, they will need to visit a participating branch in the Philippines with valid ID and the transfer reference.

1

Bank transfer Bank deposit

You pay R130,000.00

₱498,417

Cheapest
2

Debit card Cash pickup

You pay R130,000.00

₱495,424

-₱2,993

Consider this when sending ZAR to Philippines

South African exchange control dictates how much you can move and which paperwork you need. The exchange-rate margin then decides whether a bank, an online money transfer company or a forex specialist is cheaper.

Compare ZAR/PHP transfer options

For a ZAR 130,000 transfer to the Philippines, the current best options are:

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 498,416.52 PHP, which is 0.03% more than the next best option.

The fastest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 498,416.52 PHP in minutes - 24 hours.

R2 million allowance

South African residents aged 18 or older can use the single discretionary allowance to transfer up to R2 million per calendar year for legal purposes abroad without a SARS tax-compliance PIN.

A further foreign capital allowance of up to R10 million is available with an Approval International Transfer PIN from SARS.

Amounts above the allowances need specific approval through an authorised dealer.

The allowances cover more than money transfers.

Foreign card spending and other qualifying use can reduce what remains, so check your year-to-date total before making payments.

The SARB Financial Surveillance guidance explains how the allowances can be used.

Get the purpose code right

Every legal cross-border payment in rand passes through an authorised dealer and carries a balance-of-payments purpose code.

A bank, transfer company or forex specialist may handle the form, but you are still responsible for giving the right reason.

Keep any relevant documents on hand, such as the property sale agreement, emigration documents, tuition invoice, proof of savings, etc.

For an emigration transfer, a specialist service can be useful because the AIT paperwork matters as much as the rate.

A gift can create donations tax

For the 2026/27 tax year, a natural person can make up to R150,000 of donations each year before donations tax applies.

The donor generally pays 20% on taxable donations up to the first R30 million of cumulative taxable gifts.

Payments between spouses and reasonable maintenance payments can be exempt.

A large family transfer should be classified before sending, rather than treated as tax-free because the recipient lives abroad.

Only use authorised companies

Search the company or its FSP number in the FSCA register.

Never move a transfer to crypto or a personal account to bypass exchange control.

Keep the quote, purpose-code confirmation and proof of payment until the recipient has the money.

How we analyse the market

Every rand that leaves South Africa goes through an authorised dealer, and every company here is FSCA-registered.

We track 4 of them on ZAR to the Philippines, comparing rates, fees and the pay-in and payout options in real time on live comparisons.

In the past 30 days alone, we analysed 175 comparisons across 6 amounts.

This page covers the cheapest and fastest options for ZAR/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.

Nothing appears without passing our review.

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 South Africa