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

Compare the best ways to send money from Belgium to the Philippines. Find the cheapest, fastest, and most reliable providers with the best EUR to PHP exchange rates.

Explore the best deals, read expert information, and discover all you need to send money to Philippines from Belgium.

Transferring the other way? Send PHP from Philippines to Belgium instead.
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October 30th, 2025

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Best money transfer companies

Send money from Belgium to Philippines

Last updated: Today
Mid-market rate as of 10/30/2025: 1 EUR = 68.473072 PHP
Results below are based on a 7000 EUR search
Promoted
Wise
Recipient gets (PHP)
₱475,763.33
Full transfer details
Visit Wise
₱10,831 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
Promoted
Xe
Recipient gets (PHP)
₱474,439.70
Full transfer details
Visit Xe
₱9,508 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Sort by:
0 of 14 providers
1
TorFx
Recipient gets (PHP)
₱477,873.57
Full transfer details
Visit TorFx
₱12,941 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
2
OFX
Recipient gets (PHP)
₱476,914.95
Full transfer details
Visit OFX
₱11,983 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
3
Profee
Recipient gets (PHP)
₱476,878.64
Full transfer details
Visit Profee
₱11,946 better than a typical bank*

"Card-to-card transfers can be received in just two minutes."

Personal account manager
Multi-currency card
Receive to bank account or debit card
4
CurrencyFair
Recipient gets (PHP)
₱476,480.00
Full transfer details
Visit CurrencyFair
₱11,548 better than a typical bank*

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Personal account manager
Multi-currency card
Receive to bank account
5
Wise
Recipient gets (PHP)
₱475,763.33
Full transfer details
Visit Wise
₱10,831 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
6
Remitly
Recipient gets (PHP)
₱475,300.00
Full transfer details
Visit Remitly
₱10,368 better than a typical bank*

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
7
Instarem
Recipient gets (PHP)
₱474,511.80
Full transfer details
Visit Instarem
₱9,580 better than a typical bank*

"Most transfers are instant or same-day. Customers can earn rewards on every transaction."

Personal account manager
Multi-currency card
Receive to bank account
8
Xe
Recipient gets (PHP)
₱474,439.70
Full transfer details
Visit Xe
₱9,508 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Only available via Mobile App
9
WorldRemit
Recipient gets (PHP)
₱474,283.85
Full transfer details
Visit WorldRemit
₱9,352 better than a typical bank*

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Only available via Mobile App
10
Sendwave
Recipient gets (PHP)
₱471,728.88
Full transfer details
Visit Sendwave
₱6,797 better than a typical bank*

"Sendwave is trusted by over 1 million users across the US, UK, Canada and EU. 24/7 support is available online and via the app."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • PayPal
    PayPal
    Recipient gets (PHP)
    ₱441,273.34
    Not recommended
Promoted
Wise
Recipient gets (PHP)
₱475,763.33
Full transfer details
Visit Wise
₱10,831 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
Promoted
Xe
Recipient gets (PHP)
₱474,439.70
Full transfer details
Visit Xe
₱9,508 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
How effectively does your finance team manage international cash flow?

In our experience, there are always efficiencies to be made in how businesses manage international payments in and out.

Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.

Best option: Wise

Wise is our top choice for EUR to PHP transfers.

We tested & reviewed 14 money transfer providers, and Wise scored highly in each category.

Transferring 7,000 EUR to PHP will cost you €51.04 in fees, and your recipient will get 475,763.33 PHP.

For a great mix of cost, speed & features, transfer from Belgium to Philippine Peso using Wise.

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

How to get the best deal on sending money from Belgium to Philippines

Summary of recent searches

Top rated for transfers from Belgium to Philippines
Wise
Total number of BE - PH providers
14
Average cheapest fees & rate
TorFx
Average fastest transfer
TorFx
Average transfer time
Within minutes
Best for bank transfers
TorFx
Best for debit card
Paysend
Best for credit card
Paysend

Understanding Belgium to Philippines money transfers

1

Comparing providers

Comparing providers when sending money from Belgium to the Philippines is the easiest way to make a transfer at the best price.

We’ve compared 14 providers for sending Euro to Philippines. This ensures you will get the best options for your transfer to the Philippines from Belgium.

We rate Wise as the best overall, but comparing gives you a comprehensive view of all the options for transferring money from Belgium to the Philippines.

2

Get ahead of the Euro-Philippine Peso exchange rate

3

Choosing the right payment method

4

Financial regulators in Belgium and Philippines

5

Consider transfer limits

6

Receiving money in Philippines

7

Have your ID ready

8

Tax declarations

Cheapest way to transfer money from Belgium to the Philippines: TorFx

TorFx offers the lowest cost transfers between Belgium and the Philippines out of the 14 providers compared.

Our data shows TorFx is 0.06% cheaper than the second-best option. The company offers a fee of 0 EUR and an exchange rate between EUR and PHP that is 0.3% different to the mid-market rate.

For a cheap way to send EUR to the Philippines, TorFx is a great all round choice.

TorFx is the cheapest way to send money from Belgium (EUR) to Philippines (PHP) - TorFx Screenshot 1
TorFx is the cheapest way to send money from Belgium (EUR) to Philippines (PHP) - TorFx Screenshot 2

Fastest way to send money to the Philippines from Belgium: TorFx

We compared 14 companies and found TorFx offers the fastest money transfers between Belgium and the Philippines.

The transfer time is minutes - 24 hours with TorFx for a €7,000 transfer, but it will depend on the time, day of the week, and the amount you send.

A EUR-Philippine Peso transfer through TorFx comes with a 0 EUR fee (based on a €7,000 transfer).

To ensure TorFx was the 'fastest' option we compared 14 providers. This comparison was for overall speed of sending money from Belgium to the Philippines and is a combination of depositing Euro, transfer times to the Philippines and withdrawal timeframes where applicable.

When speed is a priority, TorFx is the top choice for sending into the Philippines from Belgium.

TorFx is the fastest way to send money from Belgium (EUR) to Philippines (PHP) - TorFx Screenshot 1
TorFx is the fastest way to send money from Belgium (EUR) to Philippines (PHP) - TorFx Screenshot 2

The best apps to send EUR to Philippines from Belgium

Most money transfer companies have apps you can use to send money abroad.

We've compared and analyzed over 14 apps & companies for EUR/PHP transfers and these are the best apps we found. All these apps are available on iOS and Android for free.

App

Rating

Mobile wallet

CurrencyFair App

iOS: 4.6 / 951 reviews

Android: 3.7 / 1.06K reviews

Yes (17 currencies)

OFX App

iOS: 4.8 / 2.6K reviews

Android: 4.4 / 4.19K reviews

Yes (30+ currencies)

Profee App

iOS: 4.8 / 578 reviews

Android: 4.7 / 12.3K reviews

Yes (4 currencies)

Remitly App

iOS: 4.9 / 2.3M reviews

Android: 4.8 / 1.29M reviews

Yes (Remitly One)

Sendwave App

iOS: 4.7 / 73.2K reviews

Android: 4.7 / 117K reviews

No

TorFx App

iOS: 4.7 / 106 reviews

Android: 4.8 / 835 reviews

No

Wise App

iOS: 4.8 / 158K reviews

Android: 4.8 / 1.52M reviews

Yes (40+ currencies)

WorldRemit App

iOS: 4.7 / 99.8K reviews

Android: 4.7 / 229K reviews

No

Xe App

iOS: 4.8 / 108.4K reviews

Android: 4.8 / 346K reviews

No

Transfer a large sum of money

When sending large amounts of Euro to the Philippines it’s best to pick a company with higher maximum limits on exchange rates and send amounts.

From
14 money transfer companies compared, Wise is the best option for large transfers from Belgium to the Philippines.

Whether it’s for property purchases, business or any other reason, sending large amounts of money from Belgium to the Philippines can become expensive if you use a bank, or the wrong provider.

Wise is the top choice for sending large sums of money to the Philippines from Belgium because they offer a strong service and competitive exchange rates.

Understanding the cost of moving money from Belgium to Philippines

The total cost of sending money to the Philippines from Belgium, is made-up of a combination of fees and exchange rates. Sending with a company that can offer a good deal on both ensures a good deal on your transfer.

The Mid-Market and Exchange Rates: Currently, the mid-market for EUR-PHP is 68.1187 PHP per Euro.

  • Finding a company offering an exchange rate closer to this will mean more Philippine Peso for your Euro.

  • The average EUR-PHP mid-market rate for the last 7 days has been 68.3798 PHP per Euro. This includes a high of 68.949, and low of 67.9985.

  • Out of the 14 companies compared, Wise offers the best exchange rates.

  • The exchange rate you receive on converting EUR to PHP should be the biggest determining cost factor when transferring Euro to the Philippines.

Fees: Transfer fees may have to be paid alongside the transfer, either as a set fee or a percentage of the transfer. TorFx has a fee of 0 EUR per transfer (which is the cheapest option right now for a €7,000 transfer).

Although you should search for your send amount for actual fees.

Amount Received: Money transfer companies will show you the amount of Philippine Peso eventually received in the Philippines.

A lower cost of sending from Belgium will result in more money received in the Philippines.

Track the exchange rate for Euro to Philippine Peso

Sending money at the right time between EUR and PHP can make a huge difference to overall cost. The exchange rate impacts how much PHP you get for your EUR.

Mid-market Rate
1 
EUR
=
68.118656 
PHP

Over the last 7 days, the average numbers are:

  • The exchange rate from EUR to PHP averaged 68.3798 PHP.

  • The highest value recorded was 68.949 PHP, while the lowest was 67.9985 PHP.

  • 14 providers currently offer transfers between Belgium and the Philippines close to this rate

Want to secure the best EUR-Philippine Peso exchange rates?

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

Payment options for transfers from Belgium to
Philippines

  • Bank transfers

    Bank transfers are often the fastest and cheapest way to send money from Belgium to the Philippines.

    Using a money transfer company such as TorFx for payments from Belgium to the Philippines, means you can send via a bank transfer and benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    TorFx is the best money transfer provider for bank transfers of the 14 we compared when sending EUR to the Philippines.

    With a fee of 0 EUR to transfer money from Belgium to the Philippines, TorFx offers a great combination of competitive exchange rates and lower fees.


  • Prepaid and debit cards

    Sending money with a debit card from Belgium to the Philippines is easy with Wise.


    Wise is a leader in debit card money transfers from Belgium to the Philippines. They are the best option of the 14 transfer companies compared.

  • Credit cards

    When it comes to credit card transfers from Belgium to the Philippines, we recommend comparing your options to get the best deal.

    Fee alert: using a credit card to transfer money internationally often results in a fee being charged by your card issuer. 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 Philippines and Belgium.


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 Belgium to Philippines.


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


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

How much money can be transferred from Belgium to Philippines?
Are there any tax implications to sending money from Belgium to Philippines?
Can I send money from Belgium to Philippines with MoneyTransfers.com?
What are the typical transfer fees for sending Euros to Philippines through various providers?
How long does it take to send money from Belgium to Philippines?
What is the best exchange rate I can get for sending money from Belgium to Philippines?
Are there any minimum or maximum transfer amounts for sending money from Belgium to Philippines?
Can I schedule regular transfers between Belgium and Philippines?

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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