Orbit Remit is the best way to send money to Philippines. Sending $10,000 gets you 361,255.3 PHP on the other end.
| 7 of 7 providers Last updated on 26 September 2026 | |||
| Based on 10,000 NZD transfer Best companies for NZD/PHP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fees: $46.95 1 NZD = 35.3408 PHP +0.83% vs mid-market | Recipient gets ₱351,748.75 Next day | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $46.951 NZD = 35.3408 PHP ₱351,748.75You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 35.0494 PHP +1.66% vs mid-market | Recipient gets ₱350,493.70 6-12 Hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 35.0494 PHP ₱350,493.70You pay$10,000.00 | |||
Run a live search Showing top New Zealand to Philippines deals for 10,000 NZD. 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 NZD to PHP rates. | |||
Run a live search These companies offer multi-currency accounts for spending PHP. We suggest doing a live search based on how much NZD you're planning to spend in Philippines. | |||
Run a live search These are managed services with real human support for large NZD transfers. Click the link and update the transfer amount to get the best deal. | |||
 Orbit Remit Pay via Bank transfer | Fees: $0.00 1 NZD = 36.1255 PHP -1.37% vs mid-market | Recipient gets ₱361,255.30 2 Days | |
Ways to receive money in Philippines with Orbit Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 NZD = 36.1255 PHP ₱361,255.30You pay$10,000.00 Cash pickup2 Days Free1 NZD = 36.1255 PHP ₱361,255.30You pay$10,000.00 Mobile wallet2 DaysAvailable via:Mobile Wallet e.g. GCash Free1 NZD = 36.1255 PHP ₱361,255.30You pay$10,000.00 | |||
 TorFx Pay via Bank transfer | Fees: $0.00 1 NZD = 35.5275 PHP +0.30% vs mid-market | Recipient gets ₱355,275.40 6-12 Hours | |
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 35.5275 PHP ₱355,275.40You pay$10,000.00 | |||
 OFX Pay via Bank transfer | Fees: $0.00 1 NZD = 35.4563 PHP +0.50% vs mid-market | Recipient gets ₱354,562.71 6-12 Hours | |
Ways to receive money in Philippines with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 35.4563 PHP ₱354,562.71You pay$10,000.00 | |||
| Wise Pay via Bank transfer | Fees: $46.95 1 NZD = 35.3408 PHP +0.83% vs mid-market | Recipient gets ₱351,748.75 Next day | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $46.951 NZD = 35.3408 PHP ₱351,748.75You pay$10,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fees: $2.25 1 NZD = 35.1200 PHP +1.45% vs mid-market | Recipient gets ₱351,120.00 6-12 Hours | |
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.251 NZD = 35.1200 PHP ₱351,120.00You pay$10,000.00 | |||
| Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 35.0494 PHP +1.66% vs mid-market | Recipient gets ₱350,493.70 6-12 Hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 35.0494 PHP ₱350,493.70You pay$10,000.00 | |||
| Xe Pay via Debit card | Fees: $40.00 1 NZD = 35.0494 PHP +1.66% vs mid-market | Recipient gets ₱349,091.73 6-12 Hours | |
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 35.0494 PHP ₱349,091.73You pay$10,000.00 | |||
| Xe Pay via Credit card | Fees: $90.00 1 NZD = 35.0494 PHP +1.66% vs mid-market | Recipient gets ₱347,339.26 6-12 Hours | |
Ways to receive money in Philippines with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 35.0494 PHP ₱347,339.26You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fees: $155.00 1 NZD = 35.1816 PHP +1.28% vs mid-market | Recipient gets ₱346,362.56 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $155.001 NZD = 35.1816 PHP ₱346,362.56You pay$10,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| How Our Results Work Mid-market rate: 1 NZD = 35.6344 PHP Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Orbit Remit is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account like Orbit Remit.
For large transfers (NZ$10k+) using a broker like TorFx is usually the best option.
If your recipient needs cash, is the cheapest.
New Zealand has no instant payment rail, so plan for the money to leave your account slower than you'd expect.
How much you send will affect the best option for you right now, so I suggest .
You can pay for the transfer via bank transfer, debit card, and credit card.
Bank transfers settle in batches a few times a business day, so a Friday evening payment can sit until Monday.
If you and the money transfer company use the same bank, it'll usually settle in seconds.
For your first transfer you'll need a photo ID and proof of address.
Nothing checks the recipient's name against the account number on an international transfer, so make sure to double check it.
7 companies cover NZD/PHP transfers, between them you can send money via broker, app, online, multi-currency account, and global account, and more.
Cheapest way to send NZD
The gap between the cheapest and most expensive way to send money from New Zealand is among the widest in the world, and money transfer companies and apps are usually the cheapest.
Orbit Remit charges $0 and -1.37% markup on a $10,000 transfer, and the PHP can land in a mobile wallet in minutes, no bank account needed on the other end.
Best support options
For house purchase abroad, an inheritance or a pension transfer, a broker like TorFx charges no fee and adds 0.3% margin, with a real person on the phone dealing with everything end to end.
Also, you can send a small NZD/PHP transfer first to get the feel of the process before sending the rest.
I suggest getting a few quotes from brokers and seeing who's the cheapest.
Living across two countries
If you live between two countries, income in one, mortgage or family in the other, a multi-currency account holds both currencies and converts when you choose.
Wise converts $10,000 at 0.83% markup and holds the PHP until you spend it.
It’s also great for travelling to Philippines and spending it there.
For business payments from NZ
Companies like Wise Business, OFX, or Revolut Business handle business payments, recurring and batch payments, invoicing, and more.
Great for paying suppliers, contractors or staff in Philippines, or getting paid in PHP.
With Orbit Remit, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $10,000 gives your recipient 361,255.3 PHP.
Pay in NZD by bank transfer, debit card, and credit card.
New Zealand bank payments still run in processing cycles, so allow time for the company to receive the payment before it can process the transfer to Philippines.
The recipient in Philippines can use bank deposit, cash pickup, and mobile wallet.
To send monye directly to bank account or card, enter the recipient's bank details, account number and account-holder name.
For cash collection, the recipient needs a valid ID and the transfer reference.
You pay $10,000.00
₱361,255
Cheapest
You pay $10,000.00
₱361,255
₱0
You pay $10,000.00
₱361,255
₱0
You pay $10,000.00
₱349,092
-₱12,164
You pay $10,000.00
₱347,339
-₱13,916
Here are a few things to know about money transfers from New Zealand to Philippines.
For a $10,000 transfer to Philippines, these are the current best options you have.
Cheapest
Orbit Remit is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 361,255.3 PHP, which is 1.66% more than the next best option.
Fastest
Revolut delivers 346,362.56 PHP in within minutes when you pay by bank transfer and the recipient uses bank deposit.
New Zealand reporting entities must report international wire transfers of NZ$1,000 or more to the Financial Intelligence Unit.
It does not mean you need permission or cannot send more than NZ$1,000.
The New Zealand Police guidance on prescribed transactions explains the reporting threshold.
Keep evidence showing where the money came from, particularly for a property sale, inheritance or transfer between your own accounts.
New Zealand bank payments run daily, but the transfer company still needs to receive and match your payment before sending PHP.
Debit-card funding may be confirmed sooner, although it can cost more.
New Zealand abolished gift duty, so there is no New Zealand gift tax simply because you send money to family in Philippines.
Keep a record showing that it was a gift, loan or transfer of your own money because the recipient's tax position can differ.
New Zealand's Depositor Compensation Scheme covers eligible deposits at licensed deposit takers.
It does not cover money after it has been sent to a non-bank transfer company.
The Reserve Bank explains the scheme's scope in a bit more detail.
Exchange-rate margins add up on regular transfers to Philippines. Compare each quote with the recent NZD/PHP range before sending.
Mid-market rate:1 NZD = 35.634443 PHP
Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.
That covers 7 registered financial service providers sending NZD to Philippines, updated in real time on live searches and compared on rates, fees, speed and the ways to pay and collect.
Each goes through our review. Learn more:
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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