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

Compare the best ways to send money from Finland 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 Finland.

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November 2nd, 2025

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Best money transfer companies

Send money from Finland to Philippines

Last updated: Today
Mid-market rate as of 11/02/2025: 1 EUR = 68.08115 PHP
Results below are based on a 7000 EUR search
Promoted
Wise
Recipient gets (PHP)
₱470,703.09
Full transfer details
Visit Wise
₱8,432 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)
₱471,158.10
Full transfer details
Visit Xe
₱8,887 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 12 providers
1
TorFx
Recipient gets (PHP)
₱475,138.35
Full transfer details
Visit TorFx
₱12,867 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)
₱474,185.21
Full transfer details
Visit OFX
₱11,914 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)
₱472,127.41
Full transfer details
Visit Profee
₱9,856 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
Only available via Mobile App
4
WorldRemit
Recipient gets (PHP)
₱472,083.50
Full transfer details
Visit WorldRemit
₱9,812 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
5
Xe
Recipient gets (PHP)
₱471,158.10
Full transfer details
Visit Xe
₱8,887 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
6
CurrencyFair
Recipient gets (PHP)
₱470,810.00
Full transfer details
Visit CurrencyFair
₱8,539 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
7
Wise
Recipient gets (PHP)
₱470,703.09
Full transfer details
Visit Wise
₱8,432 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
8
Remitly
Recipient gets (PHP)
₱469,770.00
Full transfer details
Visit Remitly
₱7,499 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
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)
    ₱438,747.61
    Not recommended
Promoted
Wise
Recipient gets (PHP)
₱470,703.09
Full transfer details
Visit Wise
₱8,432 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)
₱471,158.10
Full transfer details
Visit Xe
₱8,887 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 12 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 470,703.09 PHP.

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

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

How to compare deals on Finland to Philippines money transfers

Summary of recent searches

Top rated for transfers from Finland to Philippines
Wise
Total number of FI - PH providers
12
Average cheapest fees & rate
TorFx
Average fastest transfer
TorFx
Average transfer time
Within minutes
Best for bank transfers
TorFx
Best for debit card
Profee
Best for credit card
Profee

Considerations when sending from Finland to Philippines

1

Compare providers

Comparing money transfer companies with services between Finland and the Philippines, based on your specific transfer amount and transfer needs, is the best way to send money at the best price.

For this route, we’ve compared 12 providers providing services between Finland and Philippines. This ensures you will get the best options when sending Philippine Peso to the Philippines.

Over the last 7 days, we’ve picked Wise as the best overall provider. However, comparing based on the amount you want to send to the Philippines will provide a specific provider that’s best for transferring money from Finland.

2

Understanding the Euro-Philippine Peso exchange rate

3

Choose the right payment method

4

Financial regulations

5

Consider transfer limits

6

Receiving money from Euro in Philippines

7

Confirm the ID you need

8

Tax declarations

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

TorFx offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending Euro to the Philippines.

Of the 12 providers compared, data shows that TorFx is 0.06% cheaper than the second-best option.

The is cost is made up of an average EUR-PHP exchange rate that is 0.3% different to the mid-market rate and an average fee of 0* EUR.

If you want to secure the best rates on a EUR to Philippines transfer, TorFx will result in the most Philippine Peso received.

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

Fastest company to send money to the Philippines from Finland: TorFx.

We compared 12 companies for fast transfers from Euros to the Philippines and TorFx came out on top.

Right now, if you are sending €7,000 with TorFx to Philippines, the transfer time is minutes - 24 hours. This can vary depending on your needs, but it's the fastest option.

Sending money through TorFx to the Philippines from Finland has a fee of 0 EUR.

To understand who was the fastest, we tested TorFx as part of 12 money transfer providers. Within this, we looked at the overall speed of sending money from Finland to the Philippines. This was made up of transfer times to the Philippines after Euros were added to a money transfer account.

When fast money transfers between Finland and the Philippines are a priority, TorFx is our recommended choice.

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

The best apps to send EUR to Philippines from Finland

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

We've compared and analyzed over 12 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)

Instarem App

iOS: 4.2 / 1.4K reviews

Android: 3.9 / 10.2K reviews

Yes (11 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)

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

Revolut

iOS: 4.9 / 936K reviews

Android: 4.8 / 3.64M reviews

Yes (39 currencies)

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
12 money transfer companies compared, Wise is the best option for large transfers from Finland to the Philippines.

Whether it’s for property purchases, business or any other reason, sending large amounts of money from Finland 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 Finland because they offer a strong service and competitive exchange rates.

Understanding the cost of moving money from Finland to Philippines

The total cost of sending money to the Philippines from Finland, 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 68.0812 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 68.3686 PHP per Euro. This includes a high of 68.9672, and low of 68.0811.

  • Out of the 12 companies compared, Revolut 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 Finland will result in more money received in the Philippines.

The best exchange rate for Euro to Philippine Peso transfers

When sending money between EUR and PHP getting a good deal on an exchange rate is essential. The exchange rate you secure impacts how much PHP you get for your EUR.

Mid-market Rate
1 
EUR
=
68.081150 
PHP

Here's how the mid-market rate has performed recently, which will impact the overall cost of the exchange rate.

  • In the past week, the mid-market rate from EUR to PHP has been 68.3686.

  • During this period, there was a high of 68.9672, and 68.0811 being the lowest point.

  • Wise, which is our recommended service to send money online from Finland to the Philippines offers an exchange rate with a 0.51% markup against the mid-market 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 Finland to the Philippines!

Payment options for transfers from Finland to
Philippines

  • Bank transfers

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

    Using a money transfer company such as TorFx for payments from Finland 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 12 we compared when sending EUR to the Philippines.

    With a fee of 0 EUR to transfer money from Finland 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 Finland to the Philippines is easy with Wise.


    Wise is a leader in debit card money transfers from Finland to the Philippines. They are the best option of the 12 transfer companies compared.

  • Credit cards

    When it comes to credit card transfers from Finland 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 Finland.


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 Finland 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 Finland to Philippines?
Are there any tax implications to sending money from Finland to Philippines?
Can I send money from Finland 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 Finland to Philippines?
What is the best exchange rate I can get for sending money from Finland to Philippines?
Are there any minimum or maximum transfer amounts for sending money from Finland to Philippines?
Can I schedule regular transfers between Finland 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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