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Send money from Singapore to Philippines(SGD → PHP)
SGD
PHP|Updated recentlyMid-market 48.1600Cheapest todayof 17 providers
Revolut
Rate 48.1456 · Fee S$1.50
You send
S$1,000
Recipient gets
₱48,073
₱300 more than the most expensive provider
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Singapore to Philippines in May 2026 is Revolut, which delivers 48,073.37 PHP on a 1,000 SGD transfer with a fee of S$1.50. According to SendMoneyCompare's comparison of 17 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 299 PHP.
Last reviewed: by Awais Imran, Reviews Editor
↑
Rates are great right now
94th percentile
Based on 61 days of data (2026-03-13 to 2026-05-21)
Today's best
₱4,824.58
Ria Money Transfer
61-day avg
1 SGD = 47.18 PHP
Best rate
48.15
2026-05-14 · Ria Money Transfer
Worst rate
46.47
2026-03-14 · InstaReM
What is the cheapest way to send SGD to PHP?
Sending S$1,000 from Singapore to Philippines. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 48.1456·Fee S$1.50·0.03% markup
↑ 3.3% over 55dAvg: 46.85 PHP (+2.8% vs avg)Range: 46.62–48.28
1
48.1456
S$1.50
₱48,073.37
Rate 48.1600·Fee S$5.43·0.00% markup
↑ 3.3% over 61dAvg: 47.44 PHP (+1.5% vs avg)Range: 46.61–48.36
2
48.1600
S$5.43
₱47,898.52
Rate 47.8903·Fee Free·0.56% markup
↑ 3.3% over 51dAvg: 46.49 PHP (+3.0% vs avg)Range: 46.35–48.15
3
Minutes to 2 days0.56% markup
↑ 3.3% over 51dAvg: 46.49 PHP (+3.0% vs avg)Range: 46.35–48.15
47.8903
Free
₱47,890.34
Rate 48.0637·Fee S$3.75·0.20% markup
↑ 3.4% over 55dAvg: 46.71 PHP (+2.9% vs avg)Range: 46.49–48.13
4
48.0637
S$3.75
₱47,883.47
Rate 48.1311·Fee S$6.00·0.06% markup
Best rate 28 of 61 days
↑ 3.5% over 61dAvg: 47.25 PHP (+1.9% vs avg)Range: 46.47–48.56
5
1-3 business days0.06% markup
Best rate 28 of 61 days
↑ 3.5% over 61dAvg: 47.25 PHP (+1.9% vs avg)Range: 46.47–48.56
48.1311
S$6.00
₱47,842.35
Rate 47.8952·Fee S$3.00·0.55% markup
↑ 3.4% over 55dAvg: 46.56 PHP (+2.9% vs avg)Range: 46.32–48.12
6
47.8952
S$3.00
₱47,751.47
Rate 47.8085·Fee S$1.67·0.73% markup
↑ 2.8% over 55dAvg: 46.68 PHP (+2.4% vs avg)Range: 46.48–47.95
7
47.8085
S$1.67
₱47,728.62
Rate 47.5484·Fee Free·1.27% markup
1.3% markup
↑ 3.3% over 53dAvg: 46.22 PHP (+2.9% vs avg)Range: 46.04–47.75
8
47.5484
Free
₱47,548.40
Rate 47.5099·Fee Free·1.35% markup
Rate up 3.6%
↑ 3.6% over 61dAvg: 46.73 PHP (+1.7% vs avg)Range: 45.85–47.69
9
1-3 business days1.35% markup
Rate up 3.6%
↑ 3.6% over 61dAvg: 46.73 PHP (+1.7% vs avg)Range: 45.85–47.69
47.5099
Free
₱47,509.87
Rate 47.1679·Fee S$3.99·2.06% markup
↑ 3.1% over 61dAvg: 46.53 PHP (+1.4% vs avg)Range: 45.75–47.59
10
Minutes to 3-5 days2.06% markup
↑ 3.1% over 61dAvg: 46.53 PHP (+1.4% vs avg)Range: 45.75–47.59
47.1679
S$3.99
₱46,979.74
Rate 47.5484·Fee S$30.00·1.27% markup
↑ 3.6% over 61dAvg: 46.77 PHP (+1.7% vs avg)Range: 45.72–47.70
11
47.5484
S$30.00
₱46,121.95
Rate 47.5821·Fee S$33.00·1.20% markup
Most stable rate
↓ 0.3% over 8dAvg: 47.63 PHP (-0.1% vs avg)Range: 47.57–47.73
12
0-1 days1.20% markup
Most stable rate
↓ 0.3% over 8dAvg: 47.63 PHP (-0.1% vs avg)Range: 47.57–47.73
47.5821
S$33.00
₱46,011.90
Rate 46.2433·Fee S$15.00·3.98% markup
Rate 45.8387·Fee S$6.38·4.82% markup
↑ 3.4% over 61dAvg: 45.22 PHP (+1.4% vs avg)Range: 44.33–46.14
14
45.8387
S$6.38
₱45,546.27
Rate 47.0812·Fee S$40.00·2.24% markup
↑ 3.4% over 61dAvg: 46.39 PHP (+1.5% vs avg)Range: 45.55–47.45
15
47.0812
S$40.00
₱45,198.00
Rate 47.0861·Fee S$55.59·2.23% markup
Rate 47.7748·Fee Free·0.80% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient ₱298.62 on a S$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
Singapore is home to a large Filipino community, including domestic workers, healthcare professionals, and skilled workers. The SGD to PHP corridor is one of the key OFW (Overseas Filipino Worker) remittance routes in Southeast Asia.
Filipino workers in Singapore send millions of dollars to the Philippines every month. GCash delivery has transformed this corridor, allowing recipients to receive money instantly. On a SGD 1,000 transfer, the spread between the best and worst providers can mean PHP 1,500–3,000 less reaching your family. Remitly, WorldRemit, Wise, and InstaReM are popular choices, alongside local options like DBS Remit and Lucky Plaza exchange shops.
Which provider offers the best SGD to PHP rate?
Revolut
4.7Exchange rate
48.1456
Fee
S$1.50
Recipient gets
₱48,073.37
Speed
0-1 days
What matters on the Singapore to Philippines corridor
Around 200,000 Filipinos work in Singapore, and SGD to PHP transfers are well-served by both specialist remittance providers and digital fintechs. GCash delivery is near-universal in the Philippines, and PayNow funding makes sending fast from the Singapore side.
- GCash and Maya (formerly PayMaya) wallet delivery reaches Filipino recipients in minutes. With over 90 million GCash accounts in the Philippines, this is the most convenient delivery method for most recipients.
- PayNow funding from Singapore bank accounts is supported by Instarem, Wise, Remitly, and others. Transfers can be funded instantly from DBS, OCBC, UOB, or any PayNow-enabled bank account.
- Instarem and Remitly are particularly competitive on the SGD to PHP corridor, often offering lower total costs than traditional remittance centres in Lucky Plaza and Peninsula Plaza.
- MAS regulation ensures all Singapore-based providers meet strict anti-money-laundering and consumer protection standards. Only use MAS-licensed providers — check the MAS Financial Institutions Directory for verification.
Compare digital providers against Lucky Plaza rates
Traditional remittance centres in Singapore's Lucky Plaza are popular with Filipino senders but don't always offer the best SGD/PHP rates. Digital providers now frequently match or beat walk-in rates while offering faster delivery. A quick comparison before your next visit could save SGD 5–15 per 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 Singapore to Philippines route.
Cheapest transfer
Revolut
Delivers the most PHP for your money
Fastest transfer
Wise
Delivers in Instant
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 SGD 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: SGD to PHP
See how much your recipient would get for common transfer amounts.
Send S$500
ProviderFeeReceives
InstaReM
48.13 · 1-3 business days
Wise
48.16 · Instant
Revolut
48.15 · 0-1 days
Ria Money Transfer
47.89 · Minutes to 2 days
SingX
48.06 · 0.5 day
CurrencyFair
47.81 · 0-6 days
ProviderFeeRateReceivesSpeed
InstaReMS$0.6548.13₱24,0341-3 business days
WiseS$1.1348.16₱24,026Instant
RevolutS$1.2048.15₱24,0150-1 days
Ria Money TransferFree47.89₱23,945Minutes to 2 days
SingXS$3.7548.06₱23,8520.5 day
CurrencyFairS$1.6747.81₱23,8240-6 days
Send S$1,000
ProviderFeeReceives
Revolut
48.15 · 0-1 days
Wise
48.16 · Instant
Ria Money Transfer
47.89 · Minutes to 2 days
SingX
48.06 · 0.5 day
InstaReM
48.13 · 1-3 business days
Western Union
47.90 · Instant
ProviderFeeRateReceivesSpeed
RevolutS$1.5048.15₱48,0730-1 days
WiseS$5.4348.16₱47,899Instant
Ria Money TransferFree47.89₱47,890Minutes to 2 days
SingXS$3.7548.06₱47,8830.5 day
InstaReMS$6.0048.13₱47,8421-3 business days
Western UnionS$3.0047.90₱47,751Instant
Send S$5,000
ProviderFeeReceives
Revolut
48.15 · 0-1 days
Wise
48.16 · Instant
Ria Money Transfer
47.89 · Minutes to 2 days
SingX
48.06 · 0.5 day
InstaReM
48.13 · 1-3 business days
Western Union
47.90 · Instant
ProviderFeeRateReceivesSpeed
RevolutS$7.5048.15₱240,3670-1 days
WiseS$27.1548.16₱239,493Instant
Ria Money TransferFree47.89₱239,452Minutes to 2 days
SingXS$18.7548.06₱239,4170.5 day
InstaReMS$30.0048.13₱239,2121-3 business days
Western UnionS$15.0047.90₱238,757Instant
How much does it cost to send money from Singapore to Philippines?
Fees range from SGD 0 (Remitly, Wise for bank transfers) to SGD 5–10 for most specialist providers. Physical exchange shops in Lucky Plaza may charge SGD 2–5 but exchange rates vary widely. Always compare the total PHP your recipient receives.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically S$0–S$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (48.1600).
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 across the Philippines.
FastExpress delivery
- WiseInstant
- Ria Money TransferMinutes to 2 days
- Western UnionInstant
- RemitlyMinutes to 3-5 days
- PayPalInstant to 3 days
Standard delivery
- Revolut0-1 days
- SingX0.5 day
- InstaReM1-3 business days
- CurrencyFair0-6 days
- Skrill0-1 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
SGD to PHP Exchange Rate History
Daily best exchange rates from top providers over the last 61 days. Rates shown are for sending $100.
| Date | Wise | Hsbc Sg | PayPal | Remitly | InstaReM |
|---|---|---|---|---|---|
| Trend | |||||
| May 21 | 48.1601✓ | 47.5115 | 45.8397 | 47.1657 | 48.1316 |
| May 20 | 48.1484✓ | 47.4939 | 46.0181 | 47.1021 | 48.0655 |
| May 19 | 48.1724✓ | 47.4716 | 45.9710 | 47.1888 | 48.1525 |
| May 18 | 48.1469✓ | 47.4717 | 46.0730 | 47.2401 | 48.1173 |
| May 17 | 48.0893✓ | 47.3775 | 46.0777 | 47.0600 | 48.0036 |
| May 16 | 48.0893✓ | 47.3775 | 46.0777 | 47.0600 | 48.0036 |
| May 15 | 48.3181✓ | 47.5858 | 46.1446 | 47.3277 | 48.2875 |
| May 14 | 48.3135✓ | 47.5622 | 46.1215 | 47.3210 | 48.2602 |
| May 13 | 48.3555 | 47.6317 | 45.8741 | 47.4140 | 48.3916✓ |
| May 12 | 48.3562 | 47.6916 | 45.8037 | 47.5916 | 48.5579✓ |
| May 11 | 48.0789 | 47.4148 | 45.8643 | 47.1620 | 48.1338✓ |
| May 10 | 47.7061✓ | 47.0529 | 45.5317 | 46.7600 | 47.6921 |
| May 9 | 47.7061✓ | 47.0529 | 45.5317 | 46.7600 | 47.6921 |
| May 8 | 47.6662 | 46.8941 | 45.4258 | 46.7302 | 47.7131✓ |
| May 7 | 47.9682✓ | 47.1520 | 45.4541 | 46.7943 | 47.9426 |
| May 6 | 48.2092✓ | 47.4208 | 45.9084 | 47.1960 | 48.1595 |
| May 5 | 48.3579✓ | 47.6170 | 46.0480 | 47.3823 | 48.3541 |
| May 4 | 48.2211✓ | 47.4592 | 45.9343 | 47.1463 | 48.1080 |
| May 3 | 48.1474✓ | 47.4203 | 45.9379 | 47.1400 | 48.0833 |
| May 2 | 48.1474✓ | 47.4203 | 45.9379 | 47.1400 | 48.0833 |
| May 1 | 48.1289✓ | 47.4102 | 45.7533 | 47.2435 | 48.0166 |
| Apr 30 | 48.0284✓ | 47.2574 | 45.5174 | 47.1839 | 46.5795 |
| Apr 29 | 48.1317✓ | 47.4434 | 45.6851 | 47.4805 | 46.5795 |
| Apr 28 | 47.6912✓ | 46.9936 | 45.5101 | 46.9146 | 46.5795 |
| Apr 27 | 47.5716✓ | 46.8627 | 45.3271 | 46.7663 | 46.5795 |
| Apr 26 | 47.5619✓ | 46.8614 | 45.3210 | 46.7800 | 46.5795 |
| Apr 25 | 47.5619✓ | 46.8614 | 45.3210 | 46.7800 | 46.5795 |
| Apr 24 | 47.5060✓ | 46.7861 | 45.1689 | 46.6026 | 46.5795 |
| Apr 23 | 47.3453✓ | 46.6647 | 45.0517 | 46.5389 | 46.5795 |
| Apr 22 | 47.2149✓ | 46.5148 | 45.0393 | 46.3459 | 46.5795 |
| Apr 21 | 47.1788 | 46.4718 | 45.0000 | 46.4957 | 47.2208✓ |
| Apr 20 | 47.1793 | 46.4363 | 45.1183 | 46.8463 | 47.1847✓ |
| Apr 19 | 46.9465 | 46.2064 | 44.6885 | 46.1600 | 46.9511✓ |
| Apr 18 | 46.9465 | 46.2064 | 44.6885 | 46.1600 | 46.9511✓ |
| Apr 17 | 47.2069 | 46.5120 | 45.1425 | 46.5169 | 47.2147✓ |
| Apr 16 | 47.2447✓ | 46.5511 | 45.0114 | 45.8600 | 47.2213 |
| Apr 15 | 47.0565✓ | 46.3308 | 44.8590 | 45.8600 | 46.9984 |
| Apr 14 | 46.9881✓ | 46.2800 | 44.8547 | 45.8600 | 46.8993 |
| Apr 13 | 47.3564 | 46.6080 | 45.2343 | 45.8600 | 47.6155✓ |
| Apr 12 | 47.0283✓ | 46.3193 | 44.8410 | 45.8600 | 46.9620 |
| Apr 11 | 47.0283✓ | 46.3193 | 45.0810 | 45.8600 | 46.9620 |
| Apr 10 | 46.9178✓ | 46.2485 | 44.9750 | 45.8600 | 46.8098 |
| Apr 9 | 46.7592✓ | 46.0728 | 44.8042 | 45.8600 | 46.6296 |
| Apr 8 | 46.7010 | 46.2742 | 44.5263 | 45.8600 | 46.9158✓ |
| Apr 7 | 46.7840✓ | 46.1703 | 44.5311 | 45.9641 | 46.6599 |
| Apr 6 | 46.7783✓ | 46.1696 | 44.6718 | 45.9634 | 46.7167 |
| Apr 5 | 46.8539✓ | 46.2687 | 44.6996 | 46.0620 | 46.7090 |
| Apr 4 | 46.8539✓ | 46.2687 | 44.6996 | 46.0620 | 46.7090 |
| Apr 3 | 46.8503✓ | 46.2067 | 44.7778 | 46.0003 | 46.7202 |
| Apr 2 | 46.9353✓ | 46.1611 | 44.6793 | 46.1303 | 46.9282 |
| Apr 1 | 46.9323✓ | 46.1565 | 44.8288 | 46.1099 | 46.8718 |
| Mar 31 | 47.0151 | 46.2531 | 44.9292 | 46.2571 | 47.0231✓ |
| Mar 30 | 47.0324✓ | 46.3564 | 44.7159 | 46.2589 | 46.9966 |
| Mar 29 | 46.9078✓ | 46.2132 | 44.6916 | 46.1139 | 46.8416 |
| Mar 28 | 46.9607✓ | 46.2267 | 44.7178 | 46.1159 | 46.8729 |
| Mar 18 | 46.6861✓ | 45.9912 | 44.5272 | 45.9307 | 46.6757 |
| Mar 17 | 46.6976 | 45.9370 | 44.3910 | 45.9644 | 46.7102✓ |
| Mar 16 | 46.7724✓ | 46.0106 | 44.4146 | 45.9751 | 46.7430 |
| Mar 15 | 46.6121✓ | 45.8529 | 44.3324 | 45.7800 | 46.4972 |
| Mar 14 | 46.6121✓ | 45.8529 | 44.3324 | 45.7500 | 46.4719 |
| Mar 13 | 46.6121✓ | 45.8529 | 44.3324 | 45.7500 | 46.4951 |
Common questions about sending money from Singapore to Philippines
What is the cheapest way to send money from Singapore to the Philippines?
Remitly, Wise, and InstaReM offer the best total value for SGD to PHP transfers. Remitly often has zero-fee promotions and supports GCash delivery. Wise provides the mid-market rate. Compare on the day you send for the best deal.
Can I send money to GCash from Singapore?
Yes, Remitly and WorldRemit support GCash transfers from Singapore with near-instant delivery. This is the preferred method for most Filipino recipients.
Is it cheaper to use Lucky Plaza exchanges or online providers?
Online providers like Wise and Remitly typically offer better rates than Lucky Plaza exchange shops, saving you SGD 10–30 on a SGD 1,000 transfer. However, Lucky Plaza remains popular for cash-funded sends.
How long does a transfer from Singapore to the Philippines take?
GCash transfers arrive in minutes. Bank deposits take 1–2 business days. Cash pickup is available same-day through partner locations across the Philippines.
Everything about sending money to Philippines
Recipient requirements, delivery methods, regulations, popular banks, and more.
More transfers from Singapore
Other routes to Philippines
Popular corridors
Top provider reviews
Useful guides
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