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How to send money to Belgium from Philippines with the best PHP-EUR rate

Get the best deals when you send money from the Philippines to Belgium. Find the best, cheapest, and fastest, providers for PHP to EUR transfers and exchange rates.

Read on for insights and expert information, and all you need to make money transfers to Belgium from Philippines.

Transferring the other way? Send EUR from Belgium to Philippines instead.
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November 21st, 2025

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Best money transfer companies

Send money from Philippines to Belgium

Last updated: Today
Mid-market rate as of 11/21/2025: 1 PHP = 0.014715 EUR
Results below are based on a 14700 PHP search
Promoted
Wise
Recipient gets (EUR)
€215.42
Full transfer details
Visit Wise
€6 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sort by:
0 of 4 providers
1
Wise
Recipient gets (EUR)
€215.42
Full transfer details
Visit Wise
€6 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Send cash via a Western Union agent
2
Western Union Agent
Recipient gets (EUR)
€205.45
Full transfer details

"Western Union agents help you send money from a wide variety of countries. Find a local branch near you to deposit cash and send your funds abroad."

7.7
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send cash via a MoneyGram agent
3
MoneyGram Agent
Recipient gets (EUR)
€205.45
Full transfer details

"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."

7.5
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send Money Between PayPal Accounts
4
PayPal App
Recipient gets (EUR)
€203.28
Full transfer details

"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."

5.4
Personal account manager
Multi-currency card
Receive to bank account or debit card
P2P transfer
Mid-market rate updates every 60 minutes
Promoted
Wise
Recipient gets (EUR)
€215.42
Full transfer details
Visit Wise
€6 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers

Overall best way: Wise

Wise is our recommended company for transferring Philippine Peso to Belgium.

We tested & reviewed 4 transfer providers, and Wise scored highly.

Sending 14,700 PHP to EUR will cost you ₱54.8 in fees, and you will receive 215.42 EUR. The delivery time is within minutes, but it depends on the day you make the transfer.

So for a great mix of cost, speed & features, make your Philippines to Belgium transfer using Wise.

Wise is the top rated company for sending money from Philippines (PHP) to Belgium (EUR) - Wise Screenshot

How to compare companies offering money transfers from Philippines to Belgium

Summary of recent searches

Top rated for transfers from Philippines to Belgium
Wise
Total number of PH - BE providers
4
Average cheapest fees & rate
Wise
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Wise
Best for debit card
PayPal App
Best for credit card
PayPal App

Considerations to make when sending money from Philippines to Belgium

1

Compare providers

Comparing the different providers offering services between the Philippines and Belgium, is the best way to send money with confidence.

The 4 providers we've compared ensures you will get the best options for your transfer to Belgium from Philippines. By taking the time to compare you can save yourself in the region of 3% of the total transfer amount.

Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring Philippine Peso to Belgium.

2

Exchange rates between Philippine Peso-Euro

3

Choose the right payment method

4

Financial regulation in Philippines and Belgium

5

Consider transfer limits

6

Receiving money in Belgium

7

Have your ID ready

8

Tax declarations

The fastest way to send money to Belgium from Philippines is by sending cash

Cash transfers are almost instant in most cases.

However, in some cases, it can take a few days to process, depending on your branch, how much you are sending, and the deposit method you use.

Considering there aren’t many PHP/EUR transfer options available, this is by far the fastest way to do it.

The cheapest way to to send money to Belgium from Philippines is via PayPal P2P Transfer

The coverage of PHP/EUR transfer options is very limited, therefore, PayPal’s P2P transfer service is one of the cheaper options you have, along with cash transfer via Western Union and MoneyGram.

With PayPals P2P transfer, the main cost is the conversion between currencies, which can go as high as % on top of the mid market rate, as well as a PHP transfer fee.

You can also opt to use a cash transfer via MoneyGram or Western Union, which are cheaper in some cases (depending on the amount, deposit method, and your branch).

Screenshot

Sending large amounts of money

Transferring Philippine Peso to Euro in large sums calls for a strong exchange rate and hands-on management of the transfer.

Of the
4 companies compared, Wise has the strongest option for large transfers from the Philippines to Belgium.

Whatever the reason, sending bigger sums of money can be costly if you get a bad exchange rate from Philippine Peso to Euro.

The Wise rate makes them great for large transfers between Belgium and the Philippines.

Understanding the costs involved when transferring money to Belgium from Philippines

When calculating the cost of sending money from the Philippines to Belgium, a combination of fees and exchange rates ensure the best deal:

The Mid-Market and Exchange Rates: The current PHP-EUR mid-market rate is 0.0148 EUR per Philippine Peso. Finding a provider as close to this number as possible will ensure more Euro for your money.

  • As a comparison, the PHP-EUR mid-market rate for the past week has averaged 0.0146 EUR per Philippine Peso, hitting a high of 0.0147 and a low of 0.0146.

  • Wise is currently offering the best exchange rate on transfers between the Philippines and Belgium.

  • Often the PHP-EUR exchange rate you receive will be the biggest factor impacting the cost of sending Philippine Peso to Belgium.

Fees: Transfer fees are charged on top of a transfer. Wise currently offers the lowest fees of 54.8 PHP per transfer (based on ₱14,700 transfer). Although, we recommend searching for your exact send amount for an exact fee.

Amount Received: The total amount received in Euro is the biggest indicator in the total cost of sending money to the Philippines from Belgium. The higher the total amount received in Belgium, the lower the cost of sending from the Philippines.

Finding the best exchange rate between Philippine Peso and Euro

Getting a strong exchange rate between PHP and EUR is essential. The exchange rate you secure impacts how much EUR you get for your PHP.

Mid-market Rate
1 
PHP
=
0.014781 
EUR

It can pay to track rates, and keep on top of currency trends.

  • In the past 7 days, the mid-market rate from PHP to EUR has averaged 0.0146.

  • In this period there was a high of 0.0147, and a low of 0.0146.

  • Wise, which is our recommended service to send money online from Philippines to Belgium offers 0.0147 EUR per PHP which is only 0.1% above the mid-market rate.

Want to secure the best PHP-Euro exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Philippines to Belgium!

Philippines to
Belgium money transfer payment methods

  • Bank transfers

    Bank transfers are often the best payment method for money transfers from the Philippines to Belgium.

    A money transfer company like Wise offer bank transfers between the Philippines and Belgium with lower fees and better exchange rates than you would get from a traditional bank. 


    On average, Wise is the cheapest provider for bank transfers of the 4 we tested when sending PHP to Belgium.

    Wise has a fee of 54.8 PHP for money transfersfrom the Philippines to Belgium. Overall, they offer a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from the Philippines to Belgium with a debit or a prepaid card is very simple with Western Union Agent.


    Western Union Agent is a leader in debit card payments for transfers from the Philippines to Belgium, competing among a total of 4 active money transfer companies on this route.

  • Credit cards

    Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.

    We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

    Fee alert: using a credit card to transfer money can result in a fee being charged by your card issuer as it is considered as a cash advance. That's why we recommend bank transfer or debit card instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Belgium and Philippines.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Philippines to Belgium.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send PHP to EUR.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy and review methodology.

Money transfer company reviews

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Can I schedule regular transfers between Philippines and Belgium?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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