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Compare exchange rates, fees, and delivery times from 52+ providers to find the cheapest way to send money abroad.
Reviewed on TrustpilotCompare rates, fees, delivery times, recipient requirements, and local payment methods for every country.
When comparing international money transfer services, consider the total cost of your transfer — not just the fee. Exchange rate markups can cost more than the advertised fee. The best provider depends on your corridor (the countries you are sending between), transfer amount, speed requirements, and preferred payment method.
Just need to check exchange rates? Use our currency converter for live mid-market rates across 60+ currencies.
Save ₱2,892 — Xoom (PayPal) vs OFX
60d trend
Today's best
44.8021
Xoom (PayPal)
60d average
43.0742
Period best
44.0900
2026-05-14
Period worst
41.6139
2026-03-14
Based on 60 days of rate data across 21 providers · Updated every 6 hours
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
44.2560
Mid 43.8395 ▲0.95%
₱44,255.98
Recipient gets
Exchange rate
44.2560
Mid-market: 43.8395 (0.95% above)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
₱44,255.98
Rate History
↓ 0.9% over 16d
45.1393
44.63 – 45.66
-0.8%
Deals & promotions
Sign-up offer
First transfer with no fees
Refer a friend
You get $20 e-gift card per referral
Friend gets Fee-free first transfer
Western Union
Speed
Minutes to 5 days
Fee
Free
Rate
43.9360
Mid 43.8395 ▲0.22%
₱43,935.95
Recipient gets
Exchange rate
43.9360
Mid-market: 43.8395 (0.22% above)
Transfer fee
Free
Delivery
Minutes to 5 days
Recipient gets
₱43,935.95
Rate History
↑ 5.5% over 60d
42.5031
41.20 – 44.57
+3.4%
Deals & promotions
Sign-up offer
First international transfer fee-free
Refer a friend
You get $15 Amazon e-gift code per referral (up to 20 friends)
Friend gets $10 Amazon e-gift code after first qualifying transfer
Loyalty program
My WU Rewards — earn points on qualifying transfers (currently paused, new program coming soon)
MoneyGram
Speed
0-1 days
Fee
A$2.99
Rate
43.7080
Mid 43.8395 ▼0.30%
₱43,577.30
Recipient gets
Exchange rate
43.7080
Mid-market: 43.8395 (0.30% below)
Transfer fee
A$2.99
Delivery
0-1 days
Recipient gets
₱43,577.30
Rate History
Most stable rate↓ 0.8% over 7d
43.8724
43.69 – 44.03
-0.4%
Deals & promotions
Sign-up offer
20% off fee on second transfer when joining MoneyGram Plus Rewards
Refer a friend
You get Zero-fee transfer after friend completes first transaction
Friend gets Zero-fee first transfer
Loyalty program
MoneyGram Plus Rewards — free to join, earn points on transfers. Premier status after 5 transfers: 40% off every 5th transfer.
Revolut
Speed
0-1 days
Fee
A$1.50
Rate
43.6335
Mid 43.8395 ▼0.47%
₱43,568.01
Recipient gets
Exchange rate
43.6335
Mid-market: 43.8395 (0.47% below)
Transfer fee
A$1.50
Delivery
0-1 days
Recipient gets
₱43,568.01
Rate History
↑ 4.3% over 54d
42.0448
41.77 – 44.22
+3.7%
Deals & promotions
Sign-up offer
Variable sign-up bonus depending on region and campaign (up to GBP 100 for Business)
Refer a friend
You get Up to GBP 60 per referral
Friend gets GBP 10–200 depending on campaign
Loyalty program
Tiered subscription plans (Standard, Plus, Premium, Metal, Ultra) with increasing benefits
Exchange rate
43.5677
Mid-market: 43.8395 (0.62% below)
Transfer fee
Free
Delivery
0-3 days
Recipient gets
₱43,567.70
Rate History
↑ 4.0% over 54d
42.1504
41.88 – 44.43
+3.3%
Deals & promotions
Refer a friend
You get $25–$50 gift card depending on friend's transfer amount
Friend gets $25 gift card (transfer $1,000+) or $50 gift card (transfer $5,000+)
Wise
Speed
Instant
Fee
A$7.09
Rate
43.8439
Mid 43.8395 ▲0.01%
₱43,533.04
Recipient gets
Exchange rate
43.8439
Mid-market: 43.8395 (0.01% above)
Transfer fee
A$7.09
Delivery
Instant
Recipient gets
₱43,533.04
Rate History
↑ 5.0% over 60d
42.9946
41.44 – 44.55
+2.0%
Deals & promotions
Sign-up offer
Fee-free first transfer up to ~$800 (GBP 500 equivalent)
Refer a friend
You get Up to $115 for every 3 friends who transfer $300+
Friend gets Fee-free first transfer (up to ~GBP 500)
Exchange rate
43.5852
Mid-market: 43.8395 (0.58% below)
Transfer fee
A$1.84
Delivery
0-6 days
Recipient gets
₱43,505.04
Rate History
↑ 4.1% over 54d
42.1196
41.86 – 44.16
+3.4%
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
43.4888
Estimated · click to quote
~₱43,488.79
Estimated
Exchange rate
43.4888
Mid-market: 43.8395 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~₱43,488.79
Remitly
Speed
Minutes to 3-5 days
Fee
Free
Rate
43.4318
Mid 43.8395 ▼0.93%
₱43,431.80
Recipient gets
Exchange rate
43.4318
Mid-market: 43.8395 (0.93% below)
Transfer fee
Free
Delivery
Minutes to 3-5 days
Recipient gets
₱43,431.80
Rate History
↑ 4.9% over 60d
42.4509
40.70 – 43.89
+1.3%
Deals & promotions
Sign-up offer
$25 off first transfer of $100+ with zero fees and special exchange rate
Refer a friend
You get $25 per referral
Friend gets $25 off first transfer + zero fees + promo rate
InstaReM
Speed
1-3 business days
Fee
A$7.50
Rate
43.7474
Mid 43.8395 ▼0.21%
₱43,419.34
Recipient gets
Exchange rate
43.7474
Mid-market: 43.8395 (0.21% below)
Transfer fee
A$7.50
Delivery
1-3 business days
Recipient gets
₱43,419.34
Rate History
↑ 5.0% over 60d
42.7158
41.39 – 44.62
+2.4%
Deals & promotions
Sign-up offer
125 InstaPoints (~$1.25) on sign-up
Refer a friend
You get 200 InstaPoints (~$2.50) per referral
Friend gets 200 InstaPoints (~$2.50) on first transfer
Loyalty program
InstaPoints — earn points on transfers over $500, redeem at checkout (400 points = $10 discount)
Exchange rate
43.7168
Mid-market: 43.8395 (0.28% below)
Transfer fee
A$7.00
Delivery
0.5 day
Recipient gets
₱43,410.74
Rate History
↓ 1.4% over 7d
43.9666
43.70 – 44.31
-0.6%
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
43.4011
Mid 43.8395 ▼1.00%
₱43,401.11
Recipient gets
Exchange rate
43.4011
Mid-market: 43.8395 (1.00% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
₱43,401.11
Rate History
↑ 3.8% over 54d
42.7528
41.00 – 44.20
+1.5%
Deals & promotions
Sign-up offer
$20/GBP 20/EUR 20 bonus on first transfer with promo code
Refer a friend
You get $5/GBP 5/EUR 5 per referral
Friend gets $5/GBP 5/EUR 5 on first transfer
Exchange rate
43.1775
Mid-market: 43.8395 (1.51% below)
Transfer fee
A$2.90
Delivery
2 days
Recipient gets
₱43,052.31
Rate History
↑ 5.0% over 54d
41.3924
41.09 – 43.77
+4.3%
HSBC
Speed
Same day to 3 business days
Fee
Free
Rate
42.9276
Mid 43.8395 ▼2.08%
₱42,927.64
Recipient gets
Exchange rate
42.9276
Mid-market: 43.8395 (2.08% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
₱42,927.64
Rate History
↑ 5.4% over 54d
42.2027
40.68 – 43.73
+1.7%
Exchange rate
42.0509
Mid-market: 43.8395 (4.08% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
₱42,050.85
Rate History
↑ 4.8% over 52d
41.3010
39.87 – 42.89
+1.8%
Commonwealth Bank
Speed
2-5 business days
Fee
Free
Rate
41.8667
Mid 43.8395 ▼4.50%
₱41,866.73
Recipient gets
Exchange rate
41.8667
Mid-market: 43.8395 (4.50% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
₱41,866.73
Rate History
↑ 5.1% over 59d
41.0278
35.49 – 42.75
+2.0%
PayPal
Speed
Instant to 3 days
Fee
A$5.99
Rate
41.7790
Mid 43.8395 ▼4.70%
₱41,528.79
Recipient gets
Exchange rate
41.7790
Mid-market: 43.8395 (4.70% below)
Transfer fee
A$5.99
Delivery
Instant to 3 days
Recipient gets
₱41,528.79
Rate History
↑ 5.1% over 60d
40.8668
38.93 – 42.43
+2.2%
Deals & promotions
Sign-up offer
$10 when signing up via a referral link
Refer a friend
You get $10 per referral (up to 5 friends, $50 max)
Friend gets $10 after signing up and spending/sending $5+
OFX
Speed
1-3 business days
Fee
A$15.00
Rate
41.9939
Mid 43.8395 ▼4.21%
₱41,363.96
Recipient gets
Exchange rate
41.9939
Mid-market: 43.8395 (4.21% below)
Transfer fee
A$15.00
Delivery
1-3 business days
Recipient gets
₱41,363.96
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)