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

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

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

Transferring the other way? Send PHP from Philippines to Philippines instead.
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July 23rd, 2025
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Best money transfer companies

Send money from Philippines to Philippines

Last updated: Today
Mid-market rate as of 07/23/2025: 1 PHP = 1 PHP
Results below are based on a 400000 PHP search
0 of 1 providers
Sponsored
Wise
Recipient gets (PHP)
₱399,985.02
Full transfer details
Visit Wise
₱11,985 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
Live Rates
Sort by:
1
Wise
Recipient gets (PHP)
₱399,985.02
Full transfer details
Visit Wise
₱11,985 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
Mid-market rate updates every 60 minutes
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.

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Best option: Wise

Wise is our top choice for PHP to PHP transfers.

We tested & reviewed 1 money transfer providers, and Wise scored highly in each category.

Transferring 400,000 PHP to PHP will cost you ₱14.98 in fees, and your recipient will get 399,985.02 PHP.

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

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

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

Summary of recent searches

Top rated for transfers from Philippines to Philippines
Wise
Total number of PH - PH providers
1
Average cheapest fees & rate
Wise
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Wise

What to consider ahead of money transfers from Philippines to Philippines

1
Compare providers

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

Our analysis, and search results, include 1 providers that operate between the Philippines and the Philippines. 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 the Philippines.

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

Cheapest way to transfer money from Philippines to Philippines: Wise

Wise is the cheapest way to send money to the Philippines from the Philippines out of the 1 companies compared.

Data collected over the past week shows that Wise is 0% cheaper than the second-best option.

This includes the transfer fee of 14.98 PHP an exchange rate for buying Philippine Peso with Philippine Pesos that is 0% different to the mid-market rate.

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

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

Fastest way to transfer money to Philippines from the Philippines: Wise.

Of 1 companies compared, Wise offers the quickest way to send Philippine Pesos to the Philippines.

For example, sending ₱400,000 to Philippines with Wise will be next day.

But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

the Philippines to the Philippines transfers with Wise have a fee of 14.98 PHP.

To test that Wise was the 'fastest' option we compared 1 providers. With this, we compared overall speed of sending money from the Philippines to the Philippines made up of depositing Philippine Pesos, to a money transfer account and transfer times to the Philippines.

When sending at speed is a priority, Wise is our recommended choice for sending into Philippines from Philippines.

Wise is the fastest way to send money from Philippines (PHP) to Philippines (PHP) - Wise Screenshot

Transfer a large sum of money

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

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

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

Understanding the cost of moving money from Philippines to Philippines

The total cost of sending money to the Philippines from the Philippines, 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 PHP-PHP is 1 PHP per Philippine Peso.

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

  • The average PHP-PHP mid-market rate for the last 7 days has been 1 PHP per Philippine Peso. This includes a high of 1, and low of 1.

  • Out of the 1 companies compared, Wise offers the best exchange rates.

  • The exchange rate you receive on converting PHP to PHP should be the biggest determining cost factor when transferring Philippine Peso 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. Wise has a fee of 14.98 PHP per transfer (which is the cheapest option right now for a ₱400,000 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 the Philippines will result in more money received in the Philippines.

Finding the best exchange rate between Philippine Peso and Philippine Peso

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

Mid-market Rate
1 
PHP
=
1.000000 
PHP

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 PHP has averaged 1.

  • In this period there was a high of 1, and a low of 1.

  • Wise, which is our recommended service to send money online from Philippines to Philippines offers 1.0000 PHP per PHP which is only 0% above the mid-market rate.

Want to secure the best PHP-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 Philippines to Philippines!

Payment options for transfers from Philippines to
Philippines

  • Bank transfers

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

    Using a money transfer company such as Wise for payments from the Philippines 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. 


    Wise is the best money transfer provider for bank transfers of the 1 we compared when sending PHP to the Philippines.

    With a fee of 14.98 PHP to transfer money from the Philippines to the Philippines, Wise offers a great combination of competitive exchange rates and lower fees.


  • Prepaid and debit cards

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


    is a leader in debit card money transfers from the Philippines to the Philippines. They are the best option of the 1 transfer companies compared.

  • Credit cards

    When it comes to credit card transfers from the Philippines 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 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 Philippines.


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


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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