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Unplex
Rate 70.2431 · Fee free
You send
€1,000
Recipient gets
₱70,243
₱560 more than the most expensive provider
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Germany to Philippines in July 2026 is Unplex, which delivers 70,243.05 PHP on a 1,000 EUR transfer with a fee of zero. According to SendMoneyCompare's comparison of 26 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 562 PHP.
Last reviewed: by Awais Imran, Reviews Editor
Sending €1,000 from Germany to Philippines. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
69.9972
Free
₱69,997.20
69.8778
Free
₱69,877.79
69.9270
€1.00
₱69,857.03
69.9270
€1.14
₱69,847.24
69.7935
Free
₱69,793.49
69.8286
€0.90
₱69,765.77
69.8918
€2.20
₱69,738.07
69.7303
Free
₱69,730.28
69.6671
Free
₱69,667.06
69.6530
Free
₱69,653.01
69.6530
€0.99
₱69,584.05
69.3931
€0.99
₱69,324.41
69.4212
€2.99
₱69,213.64
69.8778
€11.50
₱69,074.19
70.0534
€20.00
₱68,652.33
68.5291
€2.99
₱68,324.22
66.9627
€3.99
₱66,695.52
56.4754
€12.25
₱55,783.59
Potential savings: Choosing the best provider over the most expensive saves your recipient ₱561.94 on a €1,000 transfer.
Sending money from Germany to Philippines? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best PHP amount today.
German expats and immigrants regularly send money to Philippines. The cost difference between providers can be significant — banks typically charge 3–5% in hidden exchange rate markups, while specialist services like Wise, Remitly, and WorldRemit offer rates much closer to the mid-market rate. Our comparison shows the total PHP received from each provider after all fees and markups.
Exchange rate
70.2431
Fee
Free
Recipient gets
₱70,243.05
Speed
Minutes to 1 business day
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
Binance P2P
Kraken → Solana (USDC) → Binance P2P (PHP) · ~1 second
70,034 PHP
0.39% all-in
Also routable via Solana (USDC), Tron (USDT), Polygon (USDC), Arbitrum (USDC).
Source: Binance P2P API
Coins.ph
Kraken → Tron (USDT) → Coins.ph (CCXT) · ~3 seconds
69,971 PHP
0.49% all-in
Also routable via Tron (USDT), Stellar (USDC), Solana (USDC), Polygon (USDC).
Source: CCXT (coinsph)
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
How to cash out in Philippines →Different providers excel at different things. Here's who's best for each use case on the Germany to Philippines route.
Cheapest transfer
Unplex
Delivers the most PHP for your money
Fastest transfer
Unplex
Delivers in Minutes to 1 business day
Cash pickup
MoneyGram
Widest cash pickup network
Bank transfer
Unplex
Best rate for bank deposit to Philippines
Sending money to Philippinesis straightforward with the right provider. Here's how it works in 3 simple steps.
Choose how much EUR you want to send, compare providers above, and pick the one offering the best PHP amount for your transfer to Philippines.
Enter your recipient's details in Philippines — you'll need their bank account number. Most providers verify details instantly.
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit typically takes minutes to 1 day.
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full legal name matching their bank account or valid ID
Bank account number
Philippine bank account number (10–12 digits for most banks)
Bank name
Name of the receiving bank (e.g. BDO, BPI, Metrobank, UnionBank)
GCash number
Optional11-digit mobile number linked to GCash wallet (for GCash transfers)
Example: 09171234567
Maya number
OptionalMobile number linked to Maya (formerly PayMaya) wallet
Note: The Philippines does not use IBAN. Bank transfers require the account number and bank name. For mobile wallet transfers, you only need the recipient's registered mobile number.
See how much your recipient would get for common transfer amounts.
Unplex
70.24 · Minutes to 1 business day
Wise
70.24 · 18 min
TapTap Send
70.00 · Under 3 minutes (95% of transfers)
InstaReM
69.90 · 1-3 business days
Paysend
69.88 · 2 days
LemFi
69.93 · Minutes to 1 business day
Unplex
70.24 · Minutes to 1 business day
TapTap Send
70.00 · Under 3 minutes (95% of transfers)
Paysend
69.88 · 2 days
LemFi
69.93 · Minutes to 1 business day
CurrencyFair
69.93 · 0-6 days
InstaReM
69.79 · 1-3 business days
Unplex
70.24 · Minutes to 1 business day
Wise
70.24 · 18 min
Monese
70.05 · 1-3 business days
TapTap Send
70.00 · Under 3 minutes (95% of transfers)
LemFi
69.93 · Minutes to 1 business day
CurrencyFair
69.93 · 0-6 days
Transfer fees from Germany to Philippines vary by provider. Specialist services charge €0–10 per transfer, while banks charge €25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total PHP your recipient receives, not just the advertised fee.
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically €0–€10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (70.2431).
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
GCash is the dominant mobile wallet in the Philippines and is often the fastest, cheapest way to receive money. Cebuana Lhuillier and M Lhuillier have the widest cash pickup networks, reaching even remote provincial areas.
Speed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Speed: Minutes to hours
Fast and convenient — small card processing fee applies
Speed: Minutes to hours
Convenient mobile payment — linked card fees apply
Speed: Minutes to hours
Convenient mobile payment — linked card fees apply
Speed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Speed: Varies
Pay cash at an agent location — available at select providers
Your recipient in Philippines can receive money through these delivery methods. The best option depends on their location and preferences.
Direct deposit to Philippine bank accounts including BDO, BPI, Metrobank, UnionBank, and Landbank.
Instant transfer to GCash mobile wallet — the most popular digital wallet in the Philippines with 90M+ registered users.
Transfer to Maya digital wallet. Popular alternative to GCash, especially for online payments.
Recipient collects cash from Cebuana Lhuillier, M Lhuillier, or other payout partners — thousands of locations across the Philippines including provincial areas.
Cash delivered to the recipient's home — available in Metro Manila and select provincial areas.
Important rules and requirements to know before sending money to Philippines.
Regulatory body
Bangko Sentral ng Pilipinas (BSP)
Inbound transfer limits
No restriction on incoming remittances — the Philippines actively encourages OFW (Overseas Filipino Worker) remittances
Documentation you may need
Most transfers from Germany to Philippines arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Philippines for a small premium.
These are the most commonly used banks for receiving international transfers in Philippines.
BDO Unibank
ABORPHPHXXX
Bank of the Philippine Islands (BPI)
BABORPHPHXXX
Metrobank
MABORPHPHXXX
UnionBank
UBPHPHMMXXX
Landbank of the Philippines
TLBPPHPHXXX
Philippine National Bank (PNB)
PNBMPHPHXXX
Daily best exchange rates from top providers over the last 105 days. Rates shown are for sending $100.
| Date | Xoom (PayPal) | Remitly | InstaReM | WorldRemit | Wise |
|---|---|---|---|---|---|
| Trend | |||||
| Jul 4 | 68.5275 | 69.4133 | 69.8999 | 69.5491 | 70.2421✓ |
| Jul 3 | 68.5275 | 69.4133 | 69.8999 | 69.8197 | 70.2421✓ |
| Jul 2 | 68.3585 | 69.2976 | 69.7502 | 69.2919 | 70.1169✓ |
| Jul 1 | 68.2439 | 69.1595 | 69.5928 | 69.0996 | 70.0106✓ |
| Jun 30 | 68.0595 | 69.0168 | 69.4107 | 69.0572 | 69.8164✓ |
| Jun 29 | 67.9896 | 68.9900 | 69.3744 | 69.0621 | 69.7878✓ |
| Jun 28 | 67.9896 | 68.9900 | 69.3744 | 69.0964 | 69.7878✓ |
| Jun 27 | 67.9896 | 68.9900 | 69.3744 | 69.0964 | 69.7878✓ |
| Jun 26 | 67.9208 | 68.8570 | 69.2908 | 69.0838 | 69.6962✓ |
| Jun 25 | 68.0897 | 68.4286 | 68.6767 | 69.1391 | 69.6600✓ |
| Jun 24 | 67.8348 | 68.7053 | 69.2091 | 68.8280 | 69.7263✓ |
| Jun 23 | 68.0342 | 68.9092 | 69.3321 | 69.2083 | 69.7958✓ |
| Jun 22 | 67.9238 | 68.8288 | 69.2572 | 68.7763 | 69.6133✓ |
| Jun 21 | 67.8984 | 68.7900 | 69.2251 | 68.8569 | 69.5960✓ |
| Jun 20 | 67.8984 | 68.7900 | 69.2251 | 68.8569 | 69.5960✓ |
| Jun 19 | 67.9511 | 68.7380 | 69.1963 | 68.5164 | 69.5055✓ |
| Jun 18 | 67.8073 | 68.8395 | 69.2793 | 68.7803 | 69.5668✓ |
| Jun 17 | 68.5511 | 68.7956 | 69.8938 | 69.3925 | 70.2977✓ |
| Jun 16 | 68.5511 | 68.7956 | 69.8938 | 69.4388 | 70.2977✓ |
| Jun 15 | 68.5511 | 68.7956 | 69.8938 | 70.3043✓ | 70.2977 |
| Jun 14 | 69.0500 | 68.7270 | 69.8141 | 70.0836 | 70.2329✓ |
| Jun 13 | 69.0500 | 68.7270 | 69.8141 | 70.0836 | 70.2329✓ |
| Jun 12 | 69.0500 | 68.7270 | 69.8141 | 70.1042 | 70.2329✓ |
| Jun 11 | 69.2404 | 69.5295 | 70.6105 | 70.0563 | 70.9766✓ |
| Jun 10 | 69.2404 | 69.5295 | 70.6105 | 70.0563 | 70.9766✓ |
| Jun 9 | 69.3433 | 69.5611 | 70.6772 | 70.1496 | 71.0697✓ |
| Jun 8 | 69.2607 | 69.3385 | 70.4218 | 70.1224 | 70.9834✓ |
| Jun 7 | 69.3521 | 69.6500 | 70.7395 | 70.2599 | 71.2066✓ |
| Jun 6 | 69.3521 | 69.6500 | 70.7395 | 70.2599 | 71.2066✓ |
| Jun 5 | 69.7467 | 69.9445 | 71.4958✓ | 70.8262 | 71.4406 |
| Jun 4 | 69.8230 | 70.1189 | 71.4085 | 71.0261 | 71.7089✓ |
| Jun 3 | 69.9499 | 70.2764 | 71.5181 | 71.0820 | 71.7279✓ |
| Jun 2 | 70.0184 | 70.3123 | 71.4176 | 71.2022 | 71.8798✓ |
| Jun 1 | 69.9115 | 70.1515 | 71.2529 | 70.9748 | 71.6441✓ |
| May 31 | 69.9559 | 70.2500 | 71.3594 | 71.0660 | 71.7390✓ |
| May 30 | 69.9559 | 70.2500 | 71.3594 | 71.0660 | 71.7390✓ |
| May 29 | 70.0578 | 70.2976 | 71.4353 | 70.9274 | 71.5671✓ |
| May 28 | 69.6370 | 69.8777 | 70.9767 | 70.6708 | 71.4486✓ |
| May 27 | 69.8404 | 70.1653 | 71.2488 | 70.8907 | 71.6708✓ |
| May 26 | 69.8401 | 69.9819 | 71.0772 | 70.8131 | 71.5143✓ |
| May 25 | 69.7140 | 70.1953 | 71.2613 | 70.9379 | 71.6090✓ |
| May 24 | 69.7283 | 70.0000 | 71.1007 | 70.7847 | 71.4810✓ |
| May 23 | 69.7283 | 70.0000 | 71.1007 | 70.7847 | 71.4810✓ |
| May 22 | 69.7274 | 69.9723 | 71.0388 | 71.0145 | 71.5263✓ |
| May 21 | 69.7132 | 70.0828 | 71.1908 | 71.0646 | 71.6046✓ |
| May 20 | 69.7339 | 70.1339 | 71.2392 | 71.1620 | 71.6597✓ |
| May 19 | 69.9881 | 70.2974 | 71.3984 | 71.2939 | 71.7955✓ |
| May 18 | 69.8905 | 70.2596 | 71.2533 | 71.1679 | 71.6780✓ |
| May 17 | 69.7914 | 70.0600 | 71.1743 | 71.0916 | 71.5993✓ |
| May 16 | 69.7914 | 70.0600 | 71.1743 | 71.0916 | 71.5993✓ |
| May 15 | 70.0766 | 70.4108 | 71.5283 | 71.1195 | 71.9113✓ |
| May 14 | 70.0938 | 70.4385 | 71.5607 | 71.1195 | 71.9180✓ |
| May 13 | 58.1122 | 70.7503 | 71.9179 | 68.0214 | 72.2045✓ |
| May 12 | 58.0886 | 71.1104 | 72.2354 | 68.0214 | 72.2689✓ |
| May 11 | 57.7225 | 70.4504 | 71.5577 | 71.7575 | 71.7692✓ |
| May 10 | 57.2311 | 69.8200 | 70.9136 | 71.2007 | 71.2386✓ |
| May 9 | 57.2311 | 69.8200 | 70.9136 | 71.2007 | 71.2386✓ |
| May 8 | 57.1888 | 69.5753 | 70.6507 | 70.9261 | 70.9280✓ |
| May 7 | 57.3602 | 69.7594 | 71.1426 | 71.4126 | 71.4679✓ |
| May 6 | 58.0277 | 70.4589 | 71.5594 | 71.5088 | 71.9644✓ |
| May 5 | 58.3485 | 70.6571 | 71.7603 | 71.6768 | 72.1395✓ |
| May 4 | 58.1728 | 68.7000 | 68.6195 | 68.0214 | 72.0182✓ |
| May 3 | 58.0265 | 70.3600 | 71.4659 | 70.9538 | 71.8738✓ |
| May 2 | 58.0265 | 70.3600 | 71.4659 | 70.9538 | 71.8738✓ |
| May 1 | 58.1215 | 70.2531 | 71.3724 | 70.9164 | 71.8728✓ |
| Apr 30 | 58.2275 | 70.2902 | 68.6195 | 70.8504 | 71.7490✓ |
| Apr 29 | 58.2355 | 70.6373 | 68.6195 | 71.0501 | 71.9714✓ |
| Apr 28 | 57.7487 | 69.7557 | 68.6195 | 70.5531 | 71.2209✓ |
| Apr 27 | 57.4280 | 69.6129 | 68.6195 | 70.4291 | 71.1004✓ |
| Apr 26 | 57.4051 | 69.6400 | 68.6195 | 70.4579 | 71.1295✓ |
| Apr 25 | 57.4051 | 69.6400 | 68.6195 | 70.4191 | 71.1295✓ |
| Apr 24 | 57.4443 | 69.3479 | 68.6195 | 70.2549 | 70.9518✓ |
| Apr 23 | 57.1738 | 69.2001 | 68.6195 | 70.0282 | 70.7347✓ |
| Apr 22 | 56.8766 | 69.0129 | 68.6195 | 69.8953 | 70.5955✓ |
| Apr 21 | 56.7080 | 69.3066 | 70.2992 | 70.5208 | 70.6674✓ |
| Apr 20 | 56.7513 | 69.8093 | 70.2275 | 70.4489 | 70.5993✓ |
| Apr 19 | 56.6168 | 68.6800 | 69.7943 | 70.0143 | 70.1640✓ |
| Apr 18 | 56.6168 | 68.6800 | 69.7943 | 70.0143 | 70.1640✓ |
| Apr 17 | 56.7861 | 69.4311 | 70.4110 | 70.2876 | 70.7692✓ |
| Apr 16 | 56.7142 | 68.7000 | 70.4203 | 70.3141 | 70.8329✓ |
| Apr 15 | 56.7210 | 68.7000 | 70.1039 | 70.0772 | 70.5369✓ |
| Apr 14 | 56.5785 | 68.7000 | 69.8982 | 69.6063 | 70.4121✓ |
| Apr 13 | 57.0942 | 68.7000 | 70.6997✓ | 69.8212 | 70.6115 |
| Apr 12 | 56.7130 | 68.7000 | 69.8261 | 69.4549 | 70.2410✓ |
| Apr 11 | 56.7130 | 68.7000 | 69.8261 | 69.4549 | 70.2410✓ |
| Apr 10 | 56.5002 | 68.7000 | 69.4214 | 69.2900 | 69.8047✓ |
| Apr 9 | 56.3888 | 68.7000 | 68.9605 | 68.9263 | 69.4809✓ |
| Apr 8 | 56.3281 | 68.7000 | 69.1873 | 69.4299 | 69.5896✓ |
| Apr 7 | 56.8918 | 67.9477 | 68.9630 | 68.9700 | 69.3911✓ |
| Apr 6 | 57.3001 | 67.9108 | 68.9956 | 68.9326 | 69.3848✓ |
| Apr 5 | 56.9651 | 67.9779 | 68.9366 | 69.0006 | 69.4577✓ |
| Apr 4 | 56.9651 | 67.9779 | 68.9366 | 69.0006 | 69.4577✓ |
| Apr 3 | 57.0223 | 67.8952 | 68.9445 | 68.8849 | 69.4366✓ |
| Apr 2 | 56.9431 | 68.2013 | 69.4722 | 69.1955 | 69.6036✓ |
| Apr 1 | 57.0622 | 68.2741 | 69.3447 | 69.2914 | 69.7982✓ |
| Mar 31 | 57.3252 | 68.4113 | 69.4733 | 69.0382 | 69.8400✓ |
| Mar 30 | 57.4354 | 68.1889 | 69.2348 | 68.8555 | 69.6319✓ |
| Mar 29 | 67.8523 | 68.0068 | 69.1004 | 68.7224 | 69.5121✓ |
| Mar 28 | 67.8251 | 68.1197 | 69.1873 | 68.8551 | 69.6672✓ |
| Mar 18 | 67.1253 | 67.3308 | 68.3529 | 68.2299 | 68.7361✓ |
| Mar 17 | 66.9454 | 67.2620 | 68.2634 | 67.7377 | 68.6257✓ |
| Mar 16 | 67.0057 | 67.4387 | 68.4673 | 67.9250 | 68.8154✓ |
| Mar 15 | 66.4860 | 66.7600 | 67.7712 | 67.4279 | 68.3118✓ |
| Mar 14 | 66.4860 | 66.7700 | 67.7891 | 67.4279 | 68.3118✓ |
| Mar 13 | 66.4860 | 66.7700 | 67.7891 | 67.9203 | 68.3118✓ |
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
Most specialist providers deliver to Philippines within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much PHP your recipient would receive from a €1,000 transfer today.
Yes, all the providers we compare support online transfers from Germany to Philippines. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Money transfer services are almost always cheaper. Banks typically charge €25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge €0–10 with markups under 1%, saving you significantly on every transfer to Philippines.
Everything about sending money to Philippines
Recipient requirements, delivery methods, regulations, popular banks, and more.
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