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

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

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

Transferring the other way? Send PHP from Philippines to Singapore instead.
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July 7th, 2025
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Best money transfer companies

Send money from Singapore to Philippines

Last updated: Today
Mid-market rate as of 07/07/2025: 1 SGD = 44.377594 PHP
Results below are based on a 10000 SGD search
0 of 9 providers
Sponsored
Wise
Recipient gets (PHP)
₱440,521.67
Full transfer details
Visit Wise
₱10,059 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
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (PHP)
₱434,242.50
Full transfer details
Visit Xe
₱3,780 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
Live Rates
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Exclusive: First Transfer Deal
1
Regency FX
Recipient gets (PHP)
₱442,577.74
Full transfer details
Visit Regency FX
₱12,115 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Rate match guarantee (T&Cs apply)
2
TorFx
Recipient gets (PHP)
₱442,444.61
Full transfer details
Visit TorFx
₱11,982 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
3
Instarem
Recipient gets (PHP)
₱442,300.00
Full transfer details
Visit Instarem
₱11,837 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
4
Wise
Recipient gets (PHP)
₱440,521.67
Full transfer details
Visit Wise
₱10,059 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
5
CurrencyFair
Recipient gets (PHP)
₱439,870.00
Full transfer details
Visit CurrencyFair
₱9,407 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
6
Remitly
Recipient gets (PHP)
₱435,400.00
Full transfer details
Visit Remitly
₱4,937 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
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
7
Xe
Recipient gets (PHP)
₱434,242.50
Full transfer details
Visit Xe
₱3,780 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
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.
Panda Remit
Recipient gets (PHP)
₱442,267.63
Sponsored
Wise
Recipient gets (PHP)
₱440,521.67
Full transfer details
Visit Wise
₱10,059 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
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (PHP)
₱434,242.50
Full transfer details
Visit Xe
₱3,780 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?

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Best option: Wise

Wise is our top choice for SGD to PHP transfers.

We tested & reviewed 9 money transfer providers, and Wise scored highly in each category.

Transferring 10,000 SGD to PHP will cost you $51.7 in fees, and your recipient will get 440,521.67 PHP.

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

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

How to send money from Singapore to Philippines

Summary of recent searches

Top rated for transfers from Singapore to Philippines
Wise
Total number of SG - PH providers
9
Average cheapest fees & rate
Regency FX
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Regency FX
Best for debit card
Wise

Considerations when sending from Singapore to Philippines

1
Compare providers

Comparing money transfer companies with services between Singapore 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 9 providers providing services between Singapore 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 Singapore.

2
Understanding the Singapore Dollar-Philippine Peso exchange rate
3
Choose the right payment method
4
Financial regulations
5
Consider transfer limits
6
Receiving money from Singapore Dollar in Philippines
7
Confirm the ID you need
8
Tax declarations

Cheapest way to transfer money to the Philippines from Singapore: Regency FX

Regency FX offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending Singapore Dollar to the Philippines.

Of the 9 providers compared, data shows that Regency FX is 0.03% cheaper than the second-best option.

The is cost is made up of an average SGD-PHP exchange rate that is 0.27% different to the mid-market rate and an average fee of 0* SGD.

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

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

Of 9 companies compared, Wise offers the quickest way to send Singapore Dollars to the Philippines.

For example, sending $10,000 to Philippines with Wise will be same day.

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

Singapore to the Philippines transfers with Wise have a fee of 51.7 SGD.

To test that Wise was the 'fastest' option we compared 9 providers. With this, we compared overall speed of sending money from Singapore to the Philippines made up of depositing Singapore Dollars, 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 Singapore.

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

Transfer a large sum of money

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

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

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

Understanding the cost of moving money from Singapore to Philippines

The total cost of sending money to the Philippines from Singapore, 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 SGD-PHP is 44.2955 PHP per Singapore Dollar.

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

  • The average SGD-PHP mid-market rate for the last 7 days has been 44.3225 PHP per Singapore Dollar. This includes a high of 44.3776, and low of 44.2481.

  • Out of the 9 companies compared, Revolut offers the best exchange rates.

  • The exchange rate you receive on converting SGD to PHP should be the biggest determining cost factor when transferring Singapore Dollar 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. Regency FX has a fee of 0 SGD per transfer (which is the cheapest option right now for a $10,000 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 Singapore will result in more money received in the Philippines.

Track the exchange rate for Singapore Dollar to Philippine Peso

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

Mid-market Rate
1 
=
44.295519 
PHP

Over the last 7 days, the average numbers are:

  • The exchange rate from SGD to PHP averaged 44.3225 PHP.

  • The highest value recorded was 44.3776 PHP, while the lowest was 44.2481 PHP.

  • 9 providers currently offer transfers between Singapore and the Philippines close to this rate

Want to secure the best SGD-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 Singapore to Philippines!

Payment options for transfers from Singapore to
Philippines

  • Bank transfers

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

    Using a money transfer company such as Regency FX for payments from Singapore 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. 


    Regency FX is the best money transfer provider for bank transfers of the 9 we compared when sending SGD to the Philippines.

    With a fee of 0 SGD to transfer money from Singapore to the Philippines, Regency FX offers a great combination of competitive exchange rates and lower fees.


  • Prepaid and debit cards

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


    Wise is a leader in debit card money transfers from Singapore to the Philippines. They are the best option of the 9 transfer companies compared.

  • Credit cards

    When it comes to credit card transfers from Singapore 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 Singapore.


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 Singapore to Philippines.


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