Best companies for PHP/NZD transfers
4 of 4 providers Last updated on 28 October 2026
Based on 14,700 PHP transfer Best companies for PHP/NZD transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee ₱76.59 1 PHP = 0.0278 NZD -0.01% vs mid-market	Recipient gets $407.26 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in New Zealand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₱76.591 PHP = 0.0278 NZD $407.26You pay₱14,700.00
Run a live search Showing top Philippines to New Zealand deals for 14,700 PHP. 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 PHP to NZD rates.
Run a live search These companies offer multi-currency accounts for spending NZD. We suggest doing a live search based on how much PHP you're planning to spend in New Zealand.
Run a live search These are managed services with real human support for large PHP transfers. Click the link and update the transfer amount to get the best deal.
Wise Pay via Bank transfer	Fee ₱76.59 1 PHP = 0.0278 NZD -0.01% vs mid-market	Recipient gets $407.26 Same day
25 reviews CheapestRecommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in New Zealand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₱76.591 PHP = 0.0278 NZD $407.26You pay₱14,700.00
Send Money Between PayPal Accounts PayPal App (P2P Transfer) Pay via Bank transfer	Fee ₱588.00 1 PHP = 0.0262 NZD +6.00% vs mid-market	Recipient gets $369.40 Minutes
0 reviews Fastest
Ways to receive money in New Zealand with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₱588.001 PHP = 0.0262 NZD $369.40You pay₱14,700.00
Send cash via a MoneyGram agent MoneyGram Agent Pay via Bank transfer	Fee ₱588.00 1 PHP = 0.0262 NZD +6.00% vs mid-market	Recipient gets $369.40 Minutes - 3 days
0 reviews
Ways to receive money in New Zealand with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₱588.001 PHP = 0.0262 NZD $369.40You pay₱14,700.00
Send cash via a Western Union agent Western Union Agent Pay via Bank transfer	Fee ₱441.00 1 PHP = 0.0259 NZD +7.00% vs mid-market	Recipient gets $369.28 Minutes - 5 days
0 reviews
Ways to receive money in New Zealand with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ₱441.001 PHP = 0.0259 NZD $369.28You pay₱14,700.00
How Our Results Work Mid-market rate: 1 PHP = 0.0278 NZD Updates every 60 minutes.

Why compare

PHP/NZD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Philippines to New Zealand

Pick a company

For a one-off transfer from the Philippines, I suggest picking the cheapest option which is Wise.

Wise was the cheapest on 30 of the 30 days it quoted ₱14,700 transfers to New Zealand.

On a 14,700 PHP transfer, Wise delivers the most NZD.

This will change depending on how much you actually send, so I suggest running a live search to get the best PHP/NZD rate.

Use the filters above if your recipient needs cash rather than a bank deposit.

Fund your transfer

You have 1 ways to pay for the transfer: bank transfer.

Depending on the company, you can use InstaPay which takes seconds to deposit.

Above about a million pesos it goes through PESONet instead, which can take a day.

Verify and send

First time round you'll need a valid ID and your details to match it exactly.

Make sure you do it before you need to send NZD to avoid any delays.

Compare amounts

How much PHP are you sending to New Zealand?

How much PHP you send to New Zealand 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 Wise was the cheapest in 85% of all the transfers it quoted over the past month.


₱10,000	0.01%	₱62.53	$276.28with bank transfer to bank deposit	+$19.04
₱14,700This page	-0.01%	₱76.59	$407.26with bank transfer to bank deposit	+$28.43
₱20,000	0.00%	₱92.44	$553.53with bank transfer to bank deposit	+$38.83
₱50,000	-0.01%	₱182.17	$1,384.75with bank transfer to bank deposit	$0.00
₱100,000	-0.06%	₱331.72	$2,774.64with bank transfer to bank deposit	$0.00
₱400,000	0.27%	₱0.00	$11,086.39with bank transfer to bank deposit	+$0.95

Mid-market rate: 1 PHP = 0.0278 NZD

PHP/NZD Exchange Rate History

Is today a good time to send money from Philippines to New Zealand?

The cheapest way to send PHP to NZD 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 Wise), across 30 days of comparisons for 14,700 PHP transfers to New Zealand.

Each line shows what the recipient gets when you send ₱14,700, after fees, as quoted by each company. The mid-market line shows what ₱14,700 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 NZD per PHP 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 NZD on every transfer from Philippines.

Right now, Wise pays 407.26 NZD on 14,700 PHP, which is 2.09 NZD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 416.62 NZD.

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 New Zealand.

We've tracked 138 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

WiseAppeared in 137 comparisons
Cheapest in 85% of them
PayPal App (P2P Transfer)Appeared in 76 comparisons
Cheapest in 1% of them
MoneyGram AgentAppeared in 76 comparisons
Never the cheapest

Based on 138 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 Wise is the cheapest and gets you the most NZD, and it was also the cheapest in 85% of the 137 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to New Zealand.

PayPal App (P2P Transfer) (today's second cheapest) was the cheapest in only 1% of its comparisons, so it's rarely the cheapest option for transfers to New Zealand.

Ways to send money from the Philippines to New Zealand

4 companies send money from the Philippines to New Zealand.

Visa and tuition payments

Online transfers

Online services work well for visa fees, tuition deposits and other payments you need to make before moving abroad.

Wise charges ₱76.59 in fees and 0.17% markup to send 14,700 PHP.

This will get you 407.26 NZD.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Traveling and spending

Multi-currency accounts

A multi-currency account is useful if you regularly pay tuition, rent or other bills in New Zealand, or if you travel to New Zealand often.

Wise lets you hold PHP and NZD in one account and converts 14,700 PHP with a 0.17% exchange-rate markup and small fee.

Over the past month, Wise came out cheapest among multi-currency accounts on 100% of days.

For freelancers

Global accounts

Global accounts help Philippine freelancers and businesses make regular payments to New Zealand.

Payoneer and Wise Business offer international account details, invoicing and batch payments.

Ways to fund PHP and receive NZD in New Zealand

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₱14,700 gives your recipient 407.26 NZD.

To fund the transfer from the Philippines, use bank transfer.

Fund the PHP side through your bank

Use InstaPay for an eligible smaller payment or PESONet when the company supplies bank details.

Both rails send PHP domestically to the company's account before they send it to New Zealand.

GCash and Maya are mainly for domestic payments. GCash has an international transfer option, but it’s limited and usually costs more.

Your recipient in New Zealand can receive money by bank deposit.

1

Bank transfer Bank deposit

You pay ₱14,700.00

NZ$407

Cheapest

Check this before sending PHP to New Zealand

A few things to remember about money transfers from Philippines to New Zealand.

Compare PHP/NZD transfer services

Cheapest way to send money to New Zealand

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 407.26 NZD, which is 9.3% more than the next best option.

Fastest way to send money to New Zealand

The fastest option is PayPal App (P2P Transfer). Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 369.4 NZD, with collection available in minutes.

A large gift can trigger donor's tax

The Philippines charges 6% donor's tax on total taxable gifts above PHP 250,000 in a calendar year.

The donor pays it, even when the person receiving the money lives abroad.

BIR Form 1800 is due within 30 days of the gift.

This does not make every family payment a taxable donation, but a large personal gift should be checked before sending.

The BIR's Form 1800 guidance explains the threshold, rate and filing deadline.

Philippine payment rails

InstaPay, PESONet, Maya, etc. move PHP between Philippine accounts only.

Some companies allow these as funding methods, but none of them can be used to send international transfers to New Zealand.

GCash can be used for international transfers, but it is limited and usually more expensive.

PDIC protection

PDIC protects eligible deposits held with a member bank.

It does not protect a transfer after the money has left your bank or a balance held with a non-bank transfer company.

If a BSP-supervised company does not resolve a complaint, you can escalate it through the BSP Online Buddy.

How we analyse the market

We track 4 BSP-supervised companies sending PHP to New Zealand, updated in real time on live searches.

Fees, exchange rates and the deposit and payout options are all compared, and nothing appears here without passing our review.

In the past 30 days alone, we analysed 138 comparisons across 6 amounts.

This page covers the cheapest and fastest options for PHP/NZD 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.

Most pricing comes from the companies themselves. Where we collect it by hand, the table says so.

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 Philippines

Send money to New Zealand

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Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0283	–	$415.75
Wise Cheapest	0.0283	₱76.59	$413.61	−$2.14
PayPal App (P2P Transfer)	0.0266	₱588.00	$375.17	−$40.58
MoneyGram Agent	0.0266	₱588.00	$375.17	−$40.58

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0283	–	$415.66
Wise Cheapest	0.0283	₱76.59	$413.46	−$2.20
PayPal App (P2P Transfer)	0.0266	₱588.00	$375.09	−$40.57
MoneyGram Agent	0.0266	₱588.00	$375.09	−$40.57

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0283	–	$416.51
Wise Cheapest	0.0283	₱76.59	$414.36	−$2.15
PayPal App (P2P Transfer)	0.0266	₱588.00	$375.86	−$40.65
MoneyGram Agent	0.0266	₱588.00	$375.86	−$40.65

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0284	–	$417.98
Wise Cheapest	0.0284	₱76.59	$415.79	−$2.19
PayPal App (P2P Transfer)	0.0267	₱588.00	$377.18	−$40.80
MoneyGram Agent	0.0267	₱588.00	$377.18	−$40.80

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0284	–	$418.20
Wise Cheapest	0.0285	₱76.59	$416.46	−$1.74
PayPal App (P2P Transfer)	0.0267	₱588.00	$377.38	−$40.82
MoneyGram Agent	0.0267	₱588.00	$377.38	−$40.82

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0285	–	$418.69
Wise Cheapest	0.0285	₱76.59	$416.62	−$2.07
PayPal App (P2P Transfer)	0.0268	₱588.00	$377.82	−$40.87
MoneyGram Agent	0.0268	₱588.00	$377.82	−$40.87

Tue, Oct 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0284	–	$417.94
Wise Cheapest	0.0284	₱76.59	$415.84	−$2.10
PayPal App (P2P Transfer)	0.0267	₱588.00	$377.15	−$40.79
MoneyGram Agent	0.0267	₱588.00	$377.15	−$40.79

Wed, Oct 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0285	–	$418.26
Wise Cheapest	0.0284	₱76.59	$415.98	−$2.28
PayPal App (P2P Transfer)	0.0267	₱588.00	$377.44	−$40.82
MoneyGram Agent	0.0267	₱588.00	$377.44	−$40.82

Thu, Oct 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0285	–	$418.42
Wise Cheapest	0.0285	₱76.59	$416.29	−$2.13
PayPal App (P2P Transfer)	0.0268	₱588.00	$377.58	−$40.84
MoneyGram Agent	0.0268	₱588.00	$377.58	−$40.84

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0283	–	$416.26
Wise Cheapest	0.0283	₱76.59	$414.22	−$2.04
PayPal App (P2P Transfer)	0.0266	₱588.00	$375.63	−$40.63
MoneyGram Agent	0.0266	₱588.00	$375.63	−$40.63

Sat, Oct 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0284	–	$417.88
Wise Cheapest	0.0284	₱76.59	$415.17	−$2.71
PayPal App (P2P Transfer)	0.0267	₱588.00	$377.09	−$40.79
MoneyGram Agent	0.0267	₱588.00	$377.09	−$40.79

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0284	–	$417.54
Wise Cheapest	0.0284	₱76.59	$415.53	−$2.01
PayPal App (P2P Transfer)	0.0267	₱588.00	$376.79	−$40.75
MoneyGram Agent	0.0267	₱588.00	$376.79	−$40.75

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0285	–	$418.23
Wise Cheapest	0.0284	₱76.59	$416.02	−$2.21
PayPal App (P2P Transfer)	0.0267	₱588.00	$377.41	−$40.82
MoneyGram Agent	0.0267	₱588.00	$377.41	−$40.82

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0283	–	$416.66
Wise Cheapest	0.0283	₱76.59	$414.46	−$2.20
PayPal App (P2P Transfer)	0.0266	₱588.00	$375.99	−$40.67
MoneyGram Agent	0.0266	₱588.00	$375.99	−$40.67

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0282	–	$415.16
Wise Cheapest	0.0283	₱76.59	$413.12	−$2.04
PayPal App (P2P Transfer)	0.0265	₱588.00	$374.64	−$40.52
MoneyGram Agent	0.0265	₱588.00	$374.64	−$40.52

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0281	–	$413.01
Wise Cheapest	0.0281	₱76.59	$410.94	−$2.07
PayPal App (P2P Transfer)	0.0264	₱588.00	$372.70	−$40.31
MoneyGram Agent	0.0264	₱588.00	$372.70	−$40.31

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0281	–	$412.45
Wise Cheapest	0.0280	₱76.59	$410.16	−$2.29
PayPal App (P2P Transfer)	0.0264	₱588.00	$372.20	−$40.25
MoneyGram Agent	0.0264	₱588.00	$372.20	−$40.25

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0280	–	$411.75
Wise Cheapest	0.0280	₱76.59	$409.59	−$2.16
PayPal App (P2P Transfer)	0.0263	₱588.00	$371.56	−$40.19
MoneyGram Agent	0.0263	₱588.00	$371.56	−$40.19

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0279	–	$410.26
Wise Cheapest	0.0279	₱76.59	$408.19	−$2.07
PayPal App (P2P Transfer)	0.0262	₱588.00	$370.22	−$40.04
MoneyGram Agent	0.0262	₱588.00	$370.22	−$40.04

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0278	–	$408.97
Wise Cheapest	0.0278	₱76.59	$407.14	−$1.83
PayPal App (P2P Transfer)	0.0262	₱588.00	$369.05	−$39.92
MoneyGram Agent	0.0262	₱588.00	$369.05	−$39.92

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0277	–	$406.79
Wise Cheapest	0.0277	₱76.59	$404.86	−$1.93
PayPal App (P2P Transfer)	0.0260	₱588.00	$367.09	−$39.70
MoneyGram Agent	0.0260	₱588.00	$367.09	−$39.70

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0277	–	$407.10
Wise Cheapest	0.0277	₱76.59	$405.03	−$2.07
PayPal App (P2P Transfer)	0.0260	₱588.00	$367.37	−$39.73
MoneyGram Agent	0.0260	₱588.00	$367.37	−$39.73

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0275	–	$404.56
Wise Cheapest	0.0276	₱76.59	$403.17	−$1.39
PayPal App (P2P Transfer)	0.0259	₱588.00	$365.07	−$39.49
MoneyGram Agent	0.0259	₱588.00	$365.07	−$39.49

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0275	–	$403.60
Wise Cheapest	0.0275	₱76.59	$401.48	−$2.12
PayPal App (P2P Transfer)	0.0258	₱588.00	$364.21	−$39.39
MoneyGram Agent	0.0258	₱588.00	$364.21	−$39.39

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0274	–	$403.31
Wise Cheapest	0.0274	₱76.59	$401.28	−$2.03
PayPal App (P2P Transfer)	0.0258	₱588.00	$363.95	−$39.36
MoneyGram Agent	0.0258	₱588.00	$363.95	−$39.36

How to send money to New Zealand from Philippines with the best PHP-NZD rate

Best companies for PHP/NZD transfers