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Send money from Spain to Philippines(EUR → PHP)
EUR
PHP|Updated recentlyMid-market 71.5971Cheapest todayof 22 providers
Ria Money Transfer
Rate 71.3108 · Fee €0.90
You send
€1,000
Recipient gets
₱71,247
₱220 more than the most expensive provider · 0.40% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Spain to Philippines in May 2026 is Ria Money Transfer, which delivers 71,246.57 PHP on a 1,000 EUR transfer with a fee of €0.90. According to SendMoneyCompare's comparison of 22 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 222 PHP.
Last reviewed: by Awais Imran, Reviews Editor
↑
Rates are great right now
89th percentile
Based on 61 days of data (2026-03-13 to 2026-05-21)
Today's best
₱7,375.99
Ria Money Transfer
61-day avg
1 EUR = 69.89 PHP
Best rate
72.11
2026-05-14 · Ria Money Transfer
Worst rate
67.77
2026-03-15 · InstaReM
What is the cheapest way to send EUR to PHP?
Sending €1,000 from Spain to Philippines. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 71.3108·Fee €0.90·0.40% markup
Best rate 41 of 61 days
↑ 3.3% over 55dAvg: 69.41 PHP (+2.7% vs avg)Range: 69.01–72.11
1
Ria Money TransferBest value
Minutes to 2 days0.40% markup
Best rate 41 of 61 days
↑ 3.3% over 55dAvg: 69.41 PHP (+2.7% vs avg)Range: 69.01–72.11
71.3108
€0.90
₱71,246.57
Rate 71.3680·Fee €3.49·0.32% markup
Rate up 5.8%
↑ 5.8% over 43dAvg: 70.60 PHP (+1.1% vs avg)Range: 67.48–71.94
2
Minutes to 3 days0.32% markup
Rate up 5.8%
↑ 5.8% over 43dAvg: 70.60 PHP (+1.1% vs avg)Range: 67.48–71.94
71.3680
€3.49
₱71,118.95
Rate 71.1890·Fee €1.12·0.57% markup
↑ 3.2% over 55dAvg: 69.31 PHP (+2.7% vs avg)Range: 68.97–71.55
3
71.1890
€1.12
₱71,109.30
Rate 71.2463·Fee €2.20·0.49% markup
↑ 3.1% over 55dAvg: 69.40 PHP (+2.6% vs avg)Range: 69.06–71.59
4
71.2463
€2.20
₱71,089.57
Rate 71.0816·Fee Free·0.72% markup
↑ 5.0% over 61dAvg: 69.86 PHP (+1.9% vs avg)Range: 67.77–72.24
5
71.0816
Free
₱71,081.64
Rate 71.2821·Fee €3.00·0.44% markup
↑ 3.6% over 55dAvg: 69.06 PHP (+3.1% vs avg)Range: 68.67–71.54
6
71.2821
€3.00
₱71,068.27
Rate 71.0673·Fee Free·0.74% markup
↑ 4.6% over 61dAvg: 69.88 PHP (+1.7% vs avg)Range: 67.43–71.76
7
Minutes to 3 days0.74% markup
↑ 4.6% over 61dAvg: 69.88 PHP (+1.7% vs avg)Range: 67.43–71.76
71.0673
Free
₱71,067.32
Rate 71.0530·Fee Free·0.76% markup
↑ 4.1% over 55dAvg: 68.63 PHP (+3.4% vs avg)Range: 68.20–71.32
8
71.0530
Free
₱71,053.00
Rate 71.6043·Fee €8.12
↑ 4.8% over 61dAvg: 70.62 PHP (+1.4% vs avg)Range: 68.31–72.27
Rate 70.9170·Fee Free·0.95% markup
Rate 70.9026·Fee Free·0.97% markup
↑ 2.8% over 55dAvg: 70.30 PHP (+0.9% vs avg)Range: 68.40–71.90
11
Under 3 minutes (95% of transfers)0.97% markup
↑ 2.8% over 55dAvg: 70.30 PHP (+0.9% vs avg)Range: 68.40–71.90
70.9026
Free
₱70,902.65
Rate 70.8812·Fee Free·1.00% markup
↑ 2.8% over 55dAvg: 69.30 PHP (+2.3% vs avg)Range: 68.96–71.66
12
70.8812
Free
₱70,881.17
Rate 70.8740·Fee Free·1.01% markup
↑ 3.2% over 55dAvg: 69.04 PHP (+2.6% vs avg)Range: 68.69–71.50
13
70.8740
Free
₱70,874.01
Rate 70.8454·Fee €0.99·1.05% markup
↑ 5.2% over 55dAvg: 67.52 PHP (+4.4% vs avg)Range: 66.99–70.79
14
70.8454
€0.99
₱70,775.23
Rate 70.7666·Fee €2.99·1.16% markup
↑ 5.0% over 61dAvg: 69.12 PHP (+1.4% vs avg)Range: 66.76–71.11
15
Minutes to 3-5 days1.16% markup
↑ 5.0% over 61dAvg: 69.12 PHP (+1.4% vs avg)Range: 66.76–71.11
70.7666
€2.99
₱70,555.02
Rate 70.5661·Fee €0.99·1.44% markup
↑ 3.3% over 55dAvg: 68.72 PHP (+2.7% vs avg)Range: 68.33–71.32
16
70.5661
€0.99
₱70,496.28
Rate 71.3967·Fee €20.00·0.28% markup
↑ 5.2% over 60dAvg: 70.35 PHP (+1.5% vs avg)Range: 67.87–72.41
17
71.3967
€20.00
₱69,968.73
Rate 69.7141·Fee €2.99·2.63% markup
↑ 4.8% over 61dAvg: 60.20 PHP (+15.8% vs avg)Range: 56.33–70.09
18
Minutes to 3 days2.63% markup
↑ 4.8% over 61dAvg: 60.20 PHP (+15.8% vs avg)Range: 56.33–70.09
69.7141
€2.99
₱69,505.69
Rate 68.9194·Fee €10.00·3.74% markup
Rate 68.1676·Fee €3.99·4.79% markup
↑ 4.8% over 60dAvg: 67.26 PHP (+1.4% vs avg)Range: 64.83–68.76
20
68.1676
€3.99
₱67,895.65
Rate 56.5116·Fee €12.25
Most stable rate
→ 0.0% over 55dAvg: 56.50 PHPRange: 56.50–56.50
21
56.5116
€12.25
₱55,819.36
Rate 71.0244·Fee Free·0.80% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient ₱222.21 on a €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
Find the best way to send money from Spain to Philippines. Our comparison tool shows live rates from 15+ providers — see exactly how much PHP your recipient will receive after all fees.
Spanish 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.
Which provider offers the best EUR to PHP rate?
Ria Money Transfer
4.1Exchange rate
71.3108
Fee
€0.90
Recipient gets
₱71,246.57
Speed
Minutes to 2 days
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 Spain to Philippines route.
Cheapest transfer
Ria Money Transfer
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
Ria Money Transfer
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 EUR 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: EUR to PHP
See how much your recipient would get for common transfer amounts.
Send €500
ProviderFeeReceives
Wise
71.60 · 3 min
InstaReM
71.19 · 1-3 business days
Ria Money Transfer
71.31 · Minutes to 2 days
MoneyGram
71.37 · Minutes to 3 days
Revolut
71.19 · 0-1 days
WorldRemit
71.07 · Minutes to 3 days
ProviderFeeRateReceivesSpeed
Wise€1.6871.60₱35,6823 min
InstaReMFree71.19₱35,5951-3 business days
Ria Money Transfer€0.9071.31₱35,591Minutes to 2 days
MoneyGram€1.4971.37₱35,578Minutes to 3 days
Revolut€0.3071.19₱35,5730-1 days
WorldRemitFree71.07₱35,534Minutes to 3 days
Send €1,000
ProviderFeeReceives
Ria Money Transfer
71.31 · Minutes to 2 days
MoneyGram
71.37 · Minutes to 3 days
CurrencyFair
71.19 · 0-6 days
Profee
71.25 · Instant
InstaReM
71.08 · 1-3 business days
Revolut
71.28 · 0-1 days
ProviderFeeRateReceivesSpeed
Ria Money Transfer€0.9071.31₱71,247Minutes to 2 days
MoneyGram€3.4971.37₱71,119Minutes to 3 days
CurrencyFair€1.1271.19₱71,1090-6 days
Profee€2.2071.25₱71,090Instant
InstaReMFree71.08₱71,0821-3 business days
Revolut€3.0071.28₱71,0680-1 days
Send €5,000
ProviderFeeReceives
Wise
71.60 · 3 min
Monese
71.40 · 1-3 business days
MoneyGram
71.37 · Minutes to 3 days
Ria Money Transfer
71.31 · Minutes to 2 days
Profee
71.25 · Instant
InstaReM
71.19 · 1-3 business days
ProviderFeeRateReceivesSpeed
Wise€1.6871.60₱357,9013 min
Monese€3.0071.40₱356,7691-3 business days
MoneyGram€1.4971.37₱356,734Minutes to 3 days
Ria Money Transfer€0.9071.31₱356,490Minutes to 2 days
Profee€1.3071.25₱356,139Instant
InstaReMFree71.19₱355,9451-3 business days
How much does it cost to send money from Spain to Philippines?
Transfer fees from Spain 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.
Understanding the total cost
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 (71.5971).
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
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
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?
Most transfers from Spain 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.
FastExpress delivery
- Ria Money TransferMinutes to 2 days
- MoneyGramMinutes to 3 days
- ProfeeInstant
- WorldRemitMinutes to 3 days
- LemFiMinutes to 1 business day
Standard delivery
- CurrencyFair0-6 days
- InstaReM1-3 business days
- Revolut0-1 days
- Paysend2 days
- Wise6h 4m
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
EUR to PHP Exchange Rate History
Daily best exchange rates from top providers over the last 61 days. Rates shown are for sending $100.
| Date | Xoom (PayPal) | Remitly | InstaReM | WorldRemit | Wise |
|---|---|---|---|---|---|
| Trend | |||||
| 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✓ |
Common questions about sending money from Spain to Philippines
What is the cheapest way to send money from Spain to Philippines?
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.
How long does it take to send money from Spain to Philippines?
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.
How much does it cost to send €1,000 from Spain to Philippines?
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.
Can I send money from Spain to Philippines online?
Yes, all the providers we compare support online transfers from Spain to Philippines. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Philippines?
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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Popular corridors
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