Loading...
Send money from New Zealand to Philippines(NZD → PHP)
NZD
PHP|Updated recentlyMid-market 36.1213Cheapest todayof 15 providers
Revolut
Rate 35.9587 · Fee NZ$1.50
You send
NZ$1,000
Recipient gets
₱35,905
₱72 more than the most expensive provider · 0.45% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from New Zealand to Philippines in May 2026 is Revolut, which delivers 35,904.81 PHP on a 1,000 NZD transfer with a fee of NZ$1.50. According to SendMoneyCompare's comparison of 15 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 72 PHP.
Last reviewed: by Awais Imran, Reviews Editor
↗
Rates are good right now
72th percentile
Based on 55 days of data (2026-03-28 to 2026-05-21)
Today's best
₱3,579.18
Ria Money Transfer
55-day avg
1 NZD = 35.38 PHP
Best rate
36.22
2026-05-14 · Ria Money Transfer
Worst rate
34.68
2026-03-28 · Ria Money Transfer
What is the cheapest way to send NZD to PHP?
Sending NZ$1,000 from New Zealand to Philippines. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 35.9587·Fee NZ$1.50·0.45% markup
↑ 3.6% over 55dAvg: 34.85 PHP (+3.1% vs avg)Range: 34.66–36.24
1
35.9587
NZ$1.50
₱35,904.81
Rate 36.1249·Fee NZ$6.53
↑ 4.0% over 55dAvg: 35.51 PHP (+1.7% vs avg)Range: 34.30–36.67
Rate 35.8359·Fee Free·0.79% markup
↑ 3.2% over 55dAvg: 34.88 PHP (+2.7% vs avg)Range: 34.71–36.25
3
35.8359
Free
₱35,835.93
Rate 35.7926·Fee Free·0.91% markup
Best rate 23 of 55 days
↑ 3.2% over 51dAvg: 34.79 PHP (+2.9% vs avg)Range: 34.68–36.22
4
Minutes to 2 days0.91% markup
Best rate 23 of 55 days
↑ 3.2% over 51dAvg: 34.79 PHP (+2.9% vs avg)Range: 34.68–36.22
35.7926
Free
₱35,792.59
Rate 35.7565·Fee NZ$1.99·1.01% markup
↑ 4.1% over 45dAvg: 35.22 PHP (+1.5% vs avg)Range: 33.89–36.38
5
Minutes to 3-5 days1.01% markup
↑ 4.1% over 45dAvg: 35.22 PHP (+1.5% vs avg)Range: 33.89–36.38
35.7565
NZ$1.99
₱35,685.31
Rate 35.6626·Fee Free·1.27% markup
↑ 3.8% over 53dAvg: 34.48 PHP (+3.5% vs avg)Range: 34.36–35.68
6
35.6626
Free
₱35,662.55
Rate 35.7131·Fee NZ$4.00·1.13% markup
↑ 3.8% over 55dAvg: 34.50 PHP (+3.2% vs avg)Range: 34.30–36.04
7
35.7131
NZ$4.00
₱35,570.27
Rate 35.5036·Fee Free·1.71% markup
↑ 4.2% over 54dAvg: 34.79 PHP (+2.0% vs avg)Range: 33.16–36.13
8
35.5036
Free
₱35,503.62
Rate 35.4422·Fee NZ$5.00·1.88% markup
↑ 4.0% over 54dAvg: 34.84 PHP (+1.7% vs avg)Range: 33.63–35.94
9
35.4422
NZ$5.00
₱35,265.00
Rate 35.1930·Fee Free·2.57% markup
↑ 3.9% over 43dAvg: 34.85 PHP (+1.0% vs avg)Range: 33.75–35.83
10
1-3 business days2.57% markup
↑ 3.9% over 43dAvg: 34.85 PHP (+1.0% vs avg)Range: 33.75–35.83
35.1930
Free
₱35,192.98
Rate 34.8462·Fee NZ$4.99·3.53% markup
Most stable rate
↓ 0.9% over 8dAvg: 34.87 PHP (-0.1% vs avg)Range: 34.71–35.16
11
0-1 days3.53% markup
Most stable rate
↓ 0.9% over 8dAvg: 34.87 PHP (-0.1% vs avg)Range: 34.71–35.16
34.8462
NZ$4.99
₱34,672.33
Rate 34.8318·Fee NZ$12.00·3.57% markup
Rate 34.2430·Fee NZ$6.99·5.20% markup
↑ 3.5% over 54dAvg: 33.74 PHP (+1.5% vs avg)Range: 32.00–34.76
13
34.2430
NZ$6.99
₱34,003.63
Rate 35.4278·Fee NZ$49.11·1.92% markup
Rate 35.8323·Fee Free·0.80% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient ₱72.49 on a NZ$1,000 transfer.
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
New Zealand has a vibrant Filipino community of over 70,000 residents, making the NZD to PHP corridor an important remittance route. Filipino-Kiwis regularly send money home to support families in the Philippines.
The Filipino community in New Zealand has grown steadily, driven by skilled migration and family reunification. GCash delivery has become the preferred method for sending money to the Philippines, offering instant transfers. On a NZD 1,000 transfer, the difference between providers can mean PHP 1,000–2,500 more reaching your family. Remitly, WorldRemit, and Wise are popular choices, alongside Orbit Remit which has a strong New Zealand presence.
Which provider offers the best NZD to PHP rate?
Revolut
4.7Exchange rate
35.9587
Fee
NZ$1.50
Recipient gets
₱35,904.81
Speed
0-1 days
What matters on the New Zealand to Philippines corridor
New Zealand has a growing Filipino community, but NZD to PHP is a smaller corridor with fewer provider options than larger routes. GCash delivery is the most convenient option for Philippine recipients, though not all NZ-based providers support it.
- GCash wallet delivery is available from Remitly and WorldRemit for NZ senders, reaching Filipino recipients within minutes. With over 90 million GCash users, this is the most accessible delivery method in the Philippines.
- Wise offers competitive NZD/PHP rates with transparent pricing, though delivery is limited to bank deposits (BDO, BPI, Metrobank) rather than mobile wallets. Bank deposits typically arrive within 1–2 business days.
- This is a smaller corridor with fewer providers competing, which can mean wider rate spreads. Comparing at least 3 providers before each transfer is especially important here to avoid overpaying.
- Cash pickup through Cebuana Lhuillier and M Lhuillier is available from some NZ providers and can be a lifeline for recipients in rural Philippine areas without bank accounts or reliable internet.
Fewer providers means less competition — always compare
Because NZD to PHP is a smaller corridor, some providers offer less competitive rates than they do on higher-volume routes. Don't assume your usual provider is the cheapest — check at least Wise, Remitly, and one other option before every transfer.
For recurring transfers, it is worth checking live quotes each time rather than relying on one provider by habit. Competition on this corridor is strong enough that rankings can shift meaningfully with market moves.
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the New Zealand to Philippines route.
Cheapest transfer
Revolut
Delivers the most PHP for your money
Fastest transfer
Ria Money Transfer
Delivers in Minutes to 2 days
Cash pickup
Ria Money Transfer
Widest cash pickup network
Bank transfer
Revolut
Best rate for bank deposit to Philippines
How to send money to Philippines
Sending money to Philippines is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much NZD you want to send, compare providers above, and pick the one offering the best PHP amount for your transfer to Philippines.
Step 2
Add your recipient
Enter your recipient's details in Philippines — you'll need their bank account number. Most providers verify details instantly.
Step 3
Send & track your transfer
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.
What you need to send money to Philippines
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.
Transfer examples: NZD to PHP
See how much your recipient would get for common transfer amounts.
Send NZ$500
ProviderFeeReceives
Ria Money Transfer
35.79 · Minutes to 2 days
Skrill
35.66 · 0-1 days
Wise
36.12 · 3h 17m
BNZ
35.50 · 1-3 business days
Revolut
35.93 · 0-1 days
Westpac NZ
35.19 · 1-3 business days
ProviderFeeRateReceivesSpeed
Ria Money TransferFree35.79₱17,896Minutes to 2 days
SkrillFree35.66₱17,8310-1 days
WiseNZ$8.5036.12₱17,7553h 17m
BNZFree35.50₱17,7521-3 business days
RevolutNZ$6.0035.93₱17,7510-1 days
Westpac NZFree35.19₱17,5961-3 business days
Send NZ$1,000
ProviderFeeReceives
Revolut
35.96 · 0-1 days
Wise
36.12 · 3h 17m
XE
35.84 · 0-3 days
Ria Money Transfer
35.79 · Minutes to 2 days
Remitly
35.76 · Minutes to 3-5 days
Skrill
35.66 · 0-1 days
ProviderFeeRateReceivesSpeed
RevolutNZ$1.5035.96₱35,9050-1 days
WiseNZ$6.5336.12₱35,8893h 17m
XEFree35.84₱35,8360-3 days
Ria Money TransferFree35.79₱35,793Minutes to 2 days
RemitlyNZ$1.9935.76₱35,685Minutes to 3-5 days
SkrillFree35.66₱35,6630-1 days
Send NZ$5,000
ProviderFeeReceives
Revolut
35.96 · 0-1 days
Wise
36.12 · 3h 17m
XE
35.84 · 0-3 days
Ria Money Transfer
35.79 · Minutes to 2 days
Remitly
35.76 · Minutes to 3-5 days
Skrill
35.66 · 0-1 days
ProviderFeeRateReceivesSpeed
RevolutNZ$7.5035.96₱179,5240-1 days
WiseNZ$32.6536.12₱179,4453h 17m
XEFree35.84₱179,1800-3 days
Ria Money TransferFree35.79₱178,963Minutes to 2 days
RemitlyNZ$9.9535.76₱178,427Minutes to 3-5 days
SkrillFree35.66₱178,3130-1 days
How much does it cost to send money from New Zealand to Philippines?
Fees range from NZD 0 (Remitly promotions, Wise for bank transfers) to NZD 5–10 for most specialist providers. New Zealand banks charge NZD 20–30 per wire plus significant exchange rate markups. Compare the total PHP received after all costs.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically NZ$0–NZ$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (36.1213).
Ways to send money to Philippines
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.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
How can my recipient receive money in Philippines?
Your recipient in Philippines can receive money through these delivery methods. The best option depends on their location and preferences.
Bank Deposit
Minutes to 1 day
Direct deposit to Philippine bank accounts including BDO, BPI, Metrobank, UnionBank, and Landbank.
WiseRemitlyWorldRemitXoom (PayPal)+1 more
GCash
Minutes
Instant transfer to GCash mobile wallet — the most popular digital wallet in the Philippines with 90M+ registered users.
RemitlyWorldRemitXoom (PayPal)
Maya (PayMaya)
Minutes
Transfer to Maya digital wallet. Popular alternative to GCash, especially for online payments.
RemitlyWorldRemit
Cash Pickup
Minutes
Recipient collects cash from Cebuana Lhuillier, M Lhuillier, or other payout partners — thousands of locations across the Philippines including provincial areas.
Western UnionMoneyGramRemitlyWorldRemit+1 more
Door-to-Door Delivery
1–2 days
Cash delivered to the recipient's home — available in Metro Manila and select provincial areas.
RemitlyWorldRemit
What are the transfer limits and regulations for Philippines?
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
- Government-issued photo ID (passport, driver's license, or state ID)
- Social Security Number or equivalent tax ID
- Reference number or MTCN (for cash pickup)
Important things to know
- The Philippines is one of the world's top remittance-receiving countries — the BSP has created a supportive regulatory environment for inbound transfers.
- Cash pickups over PHP 500,000 may require additional ID from the recipient.
- GCash wallet limits: PHP 100,000 for basic accounts, PHP 500,000 for fully verified accounts.
- OFW (Overseas Filipino Worker) remittances are exempt from documentary stamp tax.
How long does it take to send money to Philippines?
GCash transfers arrive within minutes. Bank deposits to BDO, BPI, and Metrobank take 1–2 business days. Cash pickup through Cebuana Lhuillier and M Lhuillier is available same-day.
FastExpress delivery
- Ria Money TransferMinutes to 2 days
- RemitlyMinutes to 3-5 days
- Western UnionInstant
- PayPalInstant to 3 days
Standard delivery
- Revolut0-1 days
- Wise3h 17m
- XE0-3 days
- Skrill0-1 days
- BNZ1-3 business days
Popular banks in Philippines
These are the most commonly used banks for receiving international transfers in Philippines.
BankSWIFT/BICNotes
BDO Unibank
ABORPHPHXXX
Bank of the Philippine Islands (BPI)
BABORPHPHXXX
Metrobank
MABORPHPHXXX
UnionBank
UBPHPHMMXXX
Landbank of the Philippines
TLBPPHPHXXX
Philippine National Bank (PNB)
PNBMPHPHXXX
NZD to PHP Exchange Rate History
Daily best exchange rates from top providers over the last 55 days. Rates shown are for sending $100.
| Date | Western Union | XE | Revolut | Wise | __mid Market__ |
|---|---|---|---|---|---|
| Trend | |||||
| May 21 | 35.6058 | 35.8280 | 35.9240 | 36.1263✓ | 35.7582 |
| May 20 | 35.4913 | 35.6902 | 35.7858 | 35.9724✓ | 35.5413 |
| May 19 | 35.6793 | 35.8876 | 35.9494 | 36.1473✓ | 35.7547 |
| May 18 | 35.4863 | 35.7201 | 35.8408 | 35.9948✓ | 35.6769 |
| May 17 | 35.4749 | 35.6962 | 35.7751 | 35.9567✓ | 35.5800 |
| May 16 | 35.4749 | 35.6962 | 35.7751 | 35.9567✓ | 35.5800 |
| May 15 | 36.0412 | 36.2541 | 36.2422 | 36.3162✓ | 35.9173 |
| May 14 | 36.0412 | 36.2541 | 36.2422 | 36.4586✓ | 36.4586✓ |
| May 13 | 34.3042 | 34.7110 | 34.6608 | 36.6663✓ | 36.6663✓ |
| May 12 | 34.3042 | 34.7110 | 34.6608 | 36.5916✓ | 36.5916✓ |
| May 11 | 34.3042 | 34.7110 | 34.6608 | 36.3026✓ | 36.3026✓ |
| May 10 | 34.3042 | 34.7110 | 34.6608 | 36.0591✓ | 36.0591✓ |
| May 9 | 34.3042 | 34.7110 | 34.6608 | 36.0591✓ | 36.0591✓ |
| May 8 | 34.3042 | 34.7110 | 34.6608 | 35.9136✓ | 35.9136✓ |
| May 7 | 34.3042 | 34.7110 | 34.6608 | 36.2384✓ | 36.2384✓ |
| May 6 | 34.3042 | 34.7110 | 34.6608 | 36.3932✓ | 36.3932✓ |
| May 5 | 34.3042 | 34.7110 | 34.6608 | 36.2119✓ | 36.2119✓ |
| May 4 | 34.3042 | 34.7110 | 34.6608 | 36.3077✓ | 36.3077✓ |
| May 3 | 34.3042 | 34.7110 | 34.6608 | 36.1638✓ | 36.1638✓ |
| May 2 | 34.3042 | 34.7110 | 34.6608 | 36.1638✓ | 36.1638✓ |
| May 1 | 34.3042 | 34.7110 | 34.6608 | 36.1931✓ | 36.1931✓ |
| Apr 30 | 34.3042 | 34.7110 | 34.6608 | 35.8533✓ | 35.8533✓ |
| Apr 29 | 34.3042 | 34.7110 | 34.6608 | 36.0966✓ | 36.0966✓ |
| Apr 28 | 34.3042 | 34.7110 | 34.6608 | 35.8729✓ | 35.8729✓ |
| Apr 27 | 34.3042 | 34.7110 | 34.6608 | 35.7289✓ | 35.7289✓ |
| Apr 26 | 34.3042 | 34.7110 | 34.6608 | 35.6907✓ | 35.6907✓ |
| Apr 25 | 34.3042 | 34.7110 | 34.6608 | 35.6907✓ | 35.6907✓ |
| Apr 24 | 34.3042 | 34.7110 | 34.6608 | 35.5820✓ | 35.5820✓ |
| Apr 23 | 34.3042 | 34.7110 | 34.6608 | 35.6457✓ | 35.6457✓ |
| Apr 22 | 34.3042 | 34.7110 | 34.6608 | 35.5093✓ | 35.5093✓ |
| Apr 21 | 34.3042 | 34.7110 | 34.6608 | 35.4833✓ | 35.4833✓ |
| Apr 20 | 34.3042 | 34.7110 | 34.6608 | 35.2776✓ | 35.2776✓ |
| Apr 19 | 34.3042 | 34.7110 | 34.6608 | 35.0805✓ | 35.0805✓ |
| Apr 18 | 34.3042 | 34.7110 | 34.6608 | 35.0805✓ | 35.0805✓ |
| Apr 17 | 34.3042 | 34.7110 | 34.6608 | 35.3491✓ | 35.3491✓ |
| Apr 16 | 34.3042 | 34.7110 | 34.6608 | 35.4659✓ | 35.4659✓ |
| Apr 15 | 34.3042 | 34.7110 | 34.6608 | 35.2877✓ | 35.2877✓ |
| Apr 14 | 34.3042 | 34.7110 | 34.6608 | 35.0693✓ | 35.0693✓ |
| Apr 13 | 34.3042 | 34.7110 | 34.6608 | 35.1671✓ | 35.1671✓ |
| Apr 12 | 34.3042 | 34.7110 | 34.6608 | 34.9557✓ | 34.9557✓ |
| Apr 11 | 34.3042 | 34.7110 | 34.6608 | 34.9557✓ | 34.9557✓ |
| Apr 10 | 34.3042 | 34.7110 | 34.6608 | 34.9545✓ | 34.9545✓ |
| Apr 9 | 34.3042 | 34.7110 | 34.6608 | 34.7505✓ | 34.7505✓ |
| Apr 8 | 34.3042 | 34.7110✓ | 34.6608 | 34.5127 | 34.5127 |
| Apr 7 | 34.3042 | 34.7110✓ | 34.6608 | 34.2990 | 34.2990 |
| Apr 6 | 34.3042 | 34.7110✓ | 34.6608 | 34.3599 | 34.3599 |
| Apr 5 | 34.3042 | 34.7110✓ | 34.6608 | 34.3263 | 34.3263 |
| Apr 4 | 34.3042 | 34.7110✓ | 34.6608 | 34.3263 | 34.3263 |
| Apr 3 | 34.3042 | 34.7110✓ | 34.6608 | 34.3113 | 34.3113 |
| Apr 2 | 34.3042 | 34.7110✓ | 34.6608 | 34.5075 | 34.5075 |
| Apr 1 | 34.3042 | 34.7110✓ | 34.6608 | 34.6209 | 34.6209 |
| Mar 31 | 34.3042 | 34.7110 | 34.6608 | 34.7174✓ | 34.7174✓ |
| Mar 30 | 34.3042 | 34.7110 | 34.6608 | 34.7241✓ | 34.7241✓ |
| Mar 29 | 34.3042 | 34.7110✓ | 34.6608 | 34.6880 | 34.6880 |
| Mar 28 | 34.3042 | 34.7110 | 34.6608 | 34.7428✓ | 34.7428✓ |
Common questions about sending money from New Zealand to Philippines
What is the cheapest way to send money from New Zealand to the Philippines?
Remitly, Wise, and Orbit Remit offer the best value for NZD to PHP transfers. Remitly often has zero-fee promotions and supports GCash. Orbit Remit has strong NZ-based support. Compare all providers today.
Can I send money to GCash from New Zealand?
Yes, Remitly and WorldRemit support GCash delivery from New Zealand, with transfers arriving in minutes. This is the fastest and most popular delivery method.
How long does a transfer from New Zealand to the Philippines take?
GCash transfers arrive in minutes. Bank deposits take 1–2 business days. Cash pickup is available same-day across the Philippines. NZ bank wires take 3–5 business days.
What is Orbit Remit and is it good for Philippines transfers?
Orbit Remit is a New Zealand-based money transfer provider offering competitive rates for NZD to PHP transfers. They offer bank deposit and cash pickup delivery. Compare their rates against Wise and Remitly to find the best deal.
Everything about sending money to Philippines
Recipient requirements, delivery methods, regulations, popular banks, and more.
More transfers from New Zealand
Other routes to Philippines
Popular corridors
Top provider reviews
Useful guides
Compare all providers for New Zealand to Philippines
Enter your exact amount to see personalised quotes from every provider on this route.
Compare providers now