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

Get the best deals when you transfer from the Philippines to Thailand. Find the cheapest, fastest, and most reliable providers with the best PHP to THB exchange rates.

Read on for analysis on the best ways to send money to Thailand from Philippines.

Transferring the other way? Send THB from Thailand to Philippines instead.
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November 19th, 2025

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Best money transfer companies

Send money from Philippines to Thailand

Last updated: Today
Mid-market rate as of 11/19/2025: 1 PHP = 0.550303 THB
Results below are based on a 14700 PHP search
Promoted
Wise
Recipient gets (THB)
฿8,000.71
Full transfer details
Visit Wise
฿154 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
Sort by:
0 of 4 providers
1
Wise
Recipient gets (THB)
฿8,000.71
Full transfer details
Visit Wise
฿154 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
Send cash via a Western Union agent
2
Western Union Agent
Recipient gets (THB)
฿7,683.41
Full transfer details

"Western Union agents help you send money from a wide variety of countries. Find a local branch near you to deposit cash and send your funds abroad."

7.7
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send cash via a MoneyGram agent
3
MoneyGram Agent
Recipient gets (THB)
฿7,683.41
Full transfer details

"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."

7.5
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send Money Between PayPal Accounts
4
PayPal App
Recipient gets (THB)
฿7,602.02
Full transfer details

"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."

5.4
Personal account manager
Multi-currency card
Receive to bank account or debit card
P2P transfer
Mid-market rate updates every 60 minutes
Promoted
Wise
Recipient gets (THB)
฿8,000.71
Full transfer details
Visit Wise
฿154 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

Overall best option: Wise

Wise is our recommended company for sending money to Thailand from PHP.

Of the 4 companies that support PHP to THB, Wise offered the best combination of cost and speed.

Sending 14,700 PHP to THB will cost you ₱164.65 in fees, and you will receive 8,000.71 THB. The delivery time usually is within minutes, but can be longer depending when you make the transfer.

So for a great mix of cost, speed & features, send Philippine Pesos to Thailand using Wise.

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

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

Summary of recent searches

Top rated for transfers from Philippines to Thailand
Wise
Total number of PH - TH providers
4
Average cheapest fees & rate
Wise
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Wise
Best for debit card
PayPal App
Best for credit card
PayPal App

Considerations for money transfers from Philippines to Thailand

1

Compare providers

Comparing providers offering services between the Philippines and Thailand, based on your specific needs is the best way to send money with confidence.

Our comparison includes 4 companies that provide the ability to send Philippine Peso to Thailand.

This ensures you get the best options for transfers to Thailand from the Philippines, based on the amount you want to send.

2

Watch the Philippine Peso-Baht exchange rate

3

Choose the right payment method

4

Use providers regulated in Thailand and Philippines

5

Consider transfer limits

6

Receiving money in Thailand

7

Have your ID ready

8

Tax declarations

The fastest way to send money to Thailand from Philippines is by sending cash

Cash transfers are almost instant in most cases.

However, in some cases, it can take a few days to process, depending on your branch, how much you are sending, and the deposit method you use.

Considering there aren’t many PHP/THB transfer options available, this is by far the fastest way to do it.

The cheapest way to to send money to Thailand from Philippines is via PayPal P2P Transfer

The coverage of PHP/THB transfer options is very limited, therefore, PayPal’s P2P transfer service is one of the cheaper options you have, along with cash transfer via Western Union and MoneyGram.

With PayPals P2P transfer, the main cost is the conversion between currencies, which can go as high as % on top of the mid market rate, as well as a PHP transfer fee.

You can also opt to use a cash transfer via MoneyGram or Western Union, which are cheaper in some cases (depending on the amount, deposit method, and your branch).

Screenshot

Sending a large amount of money?

For big transfers from the Philippines to Thailand, competitive pricing & strong customer service are essential.

Of the
4 providers compared, Wise is the best rated for higher transfer amounts.

Sending large amounts of money can be expensive, and while Wise may not always be the fastest or cheapest way to send money from Philippines to Thailand, it's a great provider for things like buying or selling property.

Understanding the cost of transferring money to Thailand from Philippines

Fees and exchange rates make up the total cost of sending money from Thailand to Thailand. Finding a company that can offer both ensures a good deal on your transfer.

The Mid-Market and Exchange Rates: The current PHP-THB mid-market rate is 0.55 THB per Philippine Peso. You will get more Baht for your Philippine Pesos if you find a provider close to this number.

  • For context, over the last 7 days the PHP-THB mid-market rate has had a high of 0.5504, a low of 0.5471 and averaged 0.5488 THB per Philippine Peso.

  • Across the 4 companies compared, the best exchange rate is with Wise.

  • Unless fees are unusually high, the exchange rate you receive on converting PHP to THB will be the biggest determining factor when working out the cost of transferring Philippine Pesos to Thailand.

Fees: Transfer fees are charged as part of the transfer. Wise charges the lowest fee of 164.65 PHP at the moment. We’d always recommend comparing providers for your exact send amount as fees may change.

Amount Received: Money transfer companies will show you the amount of Baht eventually received in Thailand. You can assume that a lower cost of sending from the Philippines will result in more money received in Thailand.

Finding the best exchange rate between Philippine Peso and Baht

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

Mid-market Rate
1 
PHP
=
0.549977 
THB

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 THB has averaged 0.5488.

  • In this period there was a high of 0.5504, and a low of 0.5471.

  • Wise, which is our recommended service to send money online from Philippines to Thailand offers 0.5504 THB per PHP which is only -0.02% above the mid-market rate.

Want to secure the best PHP-Baht 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 Thailand!

Payment methods available to fund your Philippines to
Thailand transfer

  • Bank transfers

    Bank transfers are often the default option for sending money from Philippines to Thailand.

    By using a money transfer company such as Wise for transfers from Philippines to Thailand, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


    On average, Wise is the cheapest provider for bank transfers from the 4 we tested when sending PHP to Thailand.

    With a fee of PHP164.65 to send money from Philippines to Thailand, Wise offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from Philippines to Thailand with a debit or a prepaid card is very simple with Western Union Agent.


    Western Union Agent is a leader in debit card payments for transfers from Philippines to Thailand, competing among a total of 4 active money transfer companies on this route.

  • Credit cards

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

    Not many companies offer direct credit card deposits, and usually, it means taking a cash advance and using that for the deposit, which ends up more expensive.

    Fee alert: using a credit card to transfer money 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 Thailand 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 Thailand.


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


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy and review methodology.

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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 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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