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

Get the best deals on transfers from the Philippines to New Zealand. Find the cheapest, fastest, and best rated providers with the most competitive PHP to NZD exchange rates.

Read on for analysis and insights on the best ways to send money to New Zealand from the Philippines.

Transferring the other way? Send NZD from New Zealand to Philippines instead.
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July 1st, 2025
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Send money from Philippines to New Zealand

Last updated: Today
Mid-market rate as of 07/01/2025: 1 PHP = 0.02911 NZD
Results below are based on a 400000 PHP search
0 of 2 providers
Sponsored
Wise
Recipient gets (NZD)
$11,614.44
Full transfer details
Visit Wise
$320 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
Sponsored
OFX
Recipient gets (NZD)
$11,438.80
Full transfer details
Visit OFX
$144 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
Live Rates
Sort by:
1
Wise
Recipient gets (NZD)
$11,614.44
Full transfer details
Visit Wise
$320 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
2
OFX
Recipient gets (NZD)
$11,438.80
Full transfer details
Visit OFX
$144 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
Mid-market rate updates every 60 minutes
Sponsored
Wise
Recipient gets (NZD)
$11,614.44
Full transfer details
Visit Wise
$320 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
Sponsored
OFX
Recipient gets (NZD)
$11,438.80
Full transfer details
Visit OFX
$144 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account

Best recommended: Wise

Wise is our top pick for sending Philippine Peso to New Zealand.

Of the 2 money transfer providers tested and reviewed, Wise scored highly for its competitive rates and fees.

For example, sending 400,000 PHP to NZD will cost you ₱1149.73 in fees, and you will receive 11,614.44 NZD.

Make your Philippines to New Zealand transfer using Wise for the best mix of cost and speed.

Wise is the top rated company for sending money from Philippines (PHP) to New Zealand (NZD) - Wise Screenshot

How to get the best deal on sending money from Philippines to New Zealand

Summary of recent searches

Top rated for transfers from Philippines to New Zealand
Wise
Total number of PH - NZ providers
2
Average cheapest fees & rate
Wise
Average fastest transfer
OFX
Average transfer time
Within minutes
Best for bank transfers
Wise

What to consider ahead of money transfers from Philippines to New Zealand

1
Compare providers

Comparing based on your specific needs is the best way to send money from the Philippines to New Zealand with confidence.

Our analysis, and search results, include 2 providers that operate between the Philippines and New Zealand. These are ranked by speed, overall cost and ease of use.

Through this, you get a comprehensive view of all the options you have in the Philippines when you need to send money to New Zealand.

2
Understand the Philippine Peso-New Zealand Dollar exchange rate
3
Choose the right payment method
4
Use providers regulated in Philippines and New Zealand
5
Consider transfer limits
6
Receiving money in New Zealand
7
Have your ID ready
8
Don't forget about taxes

Cheapest way to transfer money from Philippines to New Zealand: Wise

Wise is the cheapest way to send money to New Zealand from the Philippines out of the 2 companies compared.

Data collected over the past week shows that Wise is 1.51% cheaper than the second-best option.

This includes the transfer fee of 1149.73 PHP an exchange rate for buying New Zealand Dollar with Philippine Pesos that is 0.03% different to the mid-market rate.

If you want to secure the best rates on transfers from Philippines to New Zealand, Wise will result in the most New Zealand Dollar received.

Wise is the cheapest way to send money from Philippines (PHP) to New Zealand (NZD) - Wise Screenshot

Fastest way to send money from the Philippines to New Zealand: OFX.

OFX is the quickest way to send Philippine Peso to New Zealand of the 2 companies offering the service.

Based on a ₱400,000 transfer, OFX transfer time for PHP-NZD transfers is minutes - 24 hours.

Using OFX for fast transfers from the Philippines to New Zealand has a fee of 0 PHP.

Within our comparison we looked at the 2 money transfer providers offering transfers from the Philippines to New Zealand. Within this we looked at overall speed of sending money from the Philippines to New Zealand after depositing Philippine Peso to a money transfer account.

When faster money transfers are a priority, OFX is our recommended choice for sending into New Zealand from Philippines.

OFX is the fastest way to send money from Philippines (PHP) to New Zealand (NZD) - OFX Screenshot

Sending large amounts of money

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

Of the
2 companies compared, Wise has the strongest option for large transfers from the Philippines to New Zealand.

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

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

Understanding the costs involved when transferring money from Philippines to New Zealand

When calculating the costs of money transfers between Philippines and New Zealand, opt for the best combination of fees and exchange rates:

The Mid-Market and Exchange Rates: Today, the PHP-NZD mid-market rate equals 0.0291 NZD per Philippine Peso.

  • For reference, the PHP-NZD average mid-market rate for the past 7 days has been 0.0292 NZD per Philippine Peso, with a high of 0.0292 and a low of 0.0291.

  • The company offering the best exchange rate is Wise.

  • Often the PHP-NZD exchange rate you receive is the bigger factor than how much it costs to send Philippine Pesos to New Zealand.

Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Wise, cahrging 1149.73 PHP per transfer. We would recommend searching for your exact send amount to get an idea of fees.

Amount Received: The amount received in New Zealand Dollar is the biggest indicator the total cost of sending money from the Philippines to New Zealand. Essentially, the more the recipient receives in New Zealand, the less it is costing to send from the Philippines.

Finding the best exchange rate between Philippine Peso and New Zealand Dollar

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

Mid-market Rate
1 
=
0.029130 
NZD

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 NZD has averaged 0.0292.

  • In this period there was a high of 0.0292, and a low of 0.0291.

  • Wise, which is our recommended service to send money online from Philippines to New Zealand offers 0.0291 NZD per PHP which is only 0.03% above the mid-market rate.

Want to secure the best PHP-New Zealand Dollar 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 New Zealand!

Funding your Philippines to
New Zealand money transfer

  • Bank transfers

    Bank transfers are often the best and easier way to send money from the Philippines to New Zealand.

    By using a money transfer company such as Wise for transfers from the Philippines to New Zealand, 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 2 companies we tested when sending PHP to New Zealand.

    With a fee of 1149.73 PHP to send money from the Philippines to New Zealand, Wise offers a decent combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from the Philippines to New Zealand with a debit or a prepaid card is easy with .


    is a leading money transfer company for debit card payments, and offers transfers from the Philippines to New Zealand.

  • 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, use our comparison tool 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 New Zealand 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 New Zealand.


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


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

Money transfer company reviews

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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 CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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