Find best money transfer applications from Spain to Philippines

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Provider ranking

Bank transfer

Amount received on a 500 EUR bank transfer, fees and exchange rate included. Best first.

ServiceRate appliedRecipient gets
1Western Union
71,582935 583 PHP
2LemFi
70,650035 324 PHP
3Sendwave
70,210035 035 PHP
4WorldRemit
70,066735 033 PHP
5Profee
70,179535 019 PHP
6Wise
70,477634 946 PHP
7MoneyGram
70,255334 917 PHP
8Paysend
70,032534 911 PHP
9TapTapSend
70,000034 825 PHP
10Ria Money Transfer
69,945834 798 PHP
11Remitly
69,730034 795 PHP
12XE
69,966934 703 PHP
13Xoom
68,726234 260 PHP
14Ofx
67,859033 919 PHP

Mid-market rate : 70,5321 PHP/1 EUR.

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Frequently Asked Questions — Money Transfers to the Philippines

The best money transfer app depends on your specific needs, but top providers include Western Union, MoneyGram, Remitly, Paysend, and Ria. Consider factors like exchange rates, transfer fees, delivery speed, and pickup locations. Use our comparison tool to find the best option for your specific transfer route and amount.

To find the cheapest money transfer service, compare both exchange rates and fees together. Look for providers offering promotional rates, zero-fee transfers, or first-time user discounts. Digital services like Remitly and Paysend often offer better rates than traditional services. Always calculate the total cost including both fees and the exchange rate markup.

The most reliable money transfer companies are licensed and regulated financial institutions like Western Union, MoneyGram, and Remitly. Look for providers that are regulated by financial authorities, offer money-back guarantees, have strong customer reviews, and provide 24/7 customer support. All providers we compare are licensed and secure.

To avoid high fees: 1) Compare multiple providers using our tool, 2) Look for promotional offers and first-time user discounts, 3) Consider digital-only providers that often have lower overhead, 4) Send larger amounts less frequently to reduce per-transaction costs, 5) Choose bank transfers over cash pickup when possible, and 6) Avoid airport and tourist area exchange services.

The fastest international money transfer methods are: 1) Digital wallet transfers (often instant), 2) Debit card funding with cash pickup (usually within minutes), 3) Mobile money services like Paysend or TapTapSend, and 4) Express services from major providers. Bank transfers typically take 1-3 business days but may offer better rates for larger amounts.

To get the best exchange rates: 1) Compare live rates from multiple providers, 2) Avoid airport and hotel exchange services, 3) Look for providers offering promotional exchange rates, 4) Consider the total cost (rate + fees) rather than just the exchange rate, 5) Time your transfer when your home currency is strong, and 6) Use our real-time comparison tool to find the best current rates.

Yes, it's safe to send money through licensed money transfer apps. Reputable providers use bank-level encryption, are regulated by financial authorities, and are required to follow strict anti-money laundering (AML) and know-your-customer (KYC) rules. Always verify the provider is licensed, read reviews, and never send money to unknown recipients or for suspicious purposes.

A money transfer comparison tool helps you save money by showing real-time rates and fees from multiple providers side-by-side. You can instantly see which service offers the best value for your specific transfer amount and destination. Our tool shows the exact amount your recipient will receive, helping you make an informed decision and potentially save hundreds of dollars per year.