How to send money to Germany from Philippines with the best PHP-EUR rate
Get the best deals on transfers from the Philippines to Germany. Find the cheapest, fastest, and best rated providers with the most competitive PHP to EUR exchange rates.
Read on for analysis and insights on the best ways to send money to Germany from the Philippines.
Transferring the other way? Send EUR from Germany to Philippines instead.
"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."
"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."
"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."
"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."
"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."
"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."
"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."
"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."
"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."
"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."
"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."
"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."
Our recommendation: Wise
We tested & reviewed 4 money transfer providers offering money transfers from the Philippines to Germany, and Wise scored highly.
Sending 14,700 PHP to EUR will cost you ₱54.8 in fees, and you will receive 212.48 EUR. The delivery time usually is within minutes, but it depends on the day you make the transfer.
For a great mix of cost, speed & features, we recommend making your Philippines to Germany transfer using Wise.
How to get the best deal on sending money from Philippines to Germany
Always compare rates
Don't pay more than you have to. Use our live comparison tool to make sure you aren't missing the best rates to send money from the Philippines to Germany.
Choose a provider
Select the provider that offers you the best value on buying EUR & service for your needs.
Click, sign up & send
Follow the steps & make your transfer. Your funds will soon be on their way to your chosen country & currency.
Summary of recent searches
Get the most from sending money from Philippines to Germany
Comparing providers offering services between the Philippines and Germany based on your specific transfer amount, is the easiest way to get the best price on your transfer.
We cover the entire PHP-EUR market and have compared 4 providers offering services between the Philippines and Germany.
This ensures you will get the most comprehensive options for sending Philippine Peso to Germany.
Whilst we rate Wise as the best overall for transfers between the two countries, comparing gives you the best idea for your specific the Philippines to Germany transfer needs.
The fastest way to send money to Germany 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 Germany 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).
Sending large amounts of money
Of the 4 companies compared, Wise has the strongest option for large transfers from the Philippines to Germany.
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 Germany and the Philippines.
Understanding the costs involved when transferring money from Philippines to Germany
When calculating the costs of money transfers between Philippines and Germany, opt for the best combination of fees and exchange rates:
The Mid-Market and Exchange Rates: Today, the PHP-EUR mid-market rate equals 0.0145 EUR per Philippine Peso.
For reference, the PHP-EUR average mid-market rate for the past 7 days has been 0.0147 EUR per Philippine Peso, with a high of 0.0149 and a low of 0.0145.
The company offering the best exchange rate is Wise.
Often the PHP-EUR exchange rate you receive is the bigger factor than how much it costs to send Philippine Pesos to Germany.
Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Wise, cahrging 54.8 PHP per transfer. We would recommend searching for your exact send amount to get an idea of fees.
Amount Received: The amount received in Euro is the biggest indicator the total cost of sending money from the Philippines to Germany. Essentially, the more the recipient receives in Germany, the less it is costing to send 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.
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 0.0147.
In this period there was a high of 0.0149, and a low of 0.0145.
Wise, which is our recommended service to send money online from Philippines to Germany offers 0.0145 EUR per PHP which is only 0.06% above the mid-market rate.
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Funding your Philippines to Germany money transfer
Bank transfers
Bank transfers are often the best and easier way to send money from the Philippines to Germany.
By using a money transfer company such as Wise for transfers from the Philippines to Germany, you can send money via a bank transfer and benefit from lower fees and more favorable exchange rates than would be offered by a bank.
On average, Wise is the cheapest way to send money via a bank transfer. This is of the 4 companies we tested when sending PHP to Germany.
With a fee of 54.8 PHP to send money from the Philippines to Germany, Wise offers a decent combination of competitive exchange rates and lower fees.
Debit and prepaid cards
Sending money from the Philippines to Germany with a debit or a prepaid card is easy with Western Union Agent.
Western Union Agent is a leading money transfer company for debit card payments, and offers transfers from the Philippines to Germany.
Credit cards
We recommend avoiding credit card transfers due to high fees, and instead, you should consider a bank transfer or a debit card deposit.
However, if you do need to use a credit card to fund your transfer, to get the latest deal.
Keep on top of fees: using a credit card to transfer money can result in a fee being charged by your card issuer. Where possible, 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 Germany 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 Germany.
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.
Related transfer routes
Send money from Philippines
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What are the typical transfer fees for sending Philippine Pesos to Germany through various providers?
How long does it take to send money from Philippines to Germany?
What is the best exchange rate I can get for sending money from Philippines to Germany?
Are there any minimum or maximum transfer amounts for sending money from Philippines to Germany?
Can I schedule regular transfers between Philippines and Germany?
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