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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 ₱3,115 — Dahabshiil vs BMO
60d trend
Today's best
44.5500
Remitly
60d average
43.6236
Period best
44.1857
2026-05-14
Period worst
43.1222
2026-03-15
Based on 60 days of rate data across 20 providers · Updated every 6 hours
Exchange rate
44.7543
Mid-market: 44.8844 (0.29% below)
Transfer fee
C$1.00
Delivery
0-3 days
Recipient gets
₱44,709.51
Rate History
↑ 2.0% over 54d
43.9424
43.84 – 44.78
+1.8%
Exchange rate
44.8351
Mid-market: 44.8844 (0.11% below)
Transfer fee
C$3.90
Delivery
2 days
Recipient gets
₱44,660.20
Rate History
↑ 2.9% over 54d
43.7115
43.55 – 44.82
+2.5%
Exchange rate
44.7408
Mid-market: 44.8844 (0.32% below)
Transfer fee
C$3.00
Delivery
2 days
Recipient gets
₱44,606.57
Rate History
↑ 3.2% over 54d
43.4771
43.30 – 44.72
+2.8%
Remitly
Speed
Minutes to 3-5 days
Fee
Free
Rate
44.5478
Mid 44.8844 ▼0.75%
₱44,547.79
Recipient gets
Exchange rate
44.5478
Mid-market: 44.8844 (0.75% below)
Transfer fee
Free
Delivery
Minutes to 3-5 days
Recipient gets
₱44,547.79
Rate History
↑ 0.7% over 54d
44.2978
44.24 – 45.53
+0.6%
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
Western Union
Speed
3-4 days
Fee
C$0.99
Rate
44.5837
Mid 44.8844 ▼0.67%
₱44,539.56
Recipient gets
Exchange rate
44.5837
Mid-market: 44.8844 (0.67% below)
Transfer fee
C$0.99
Delivery
3-4 days
Recipient gets
₱44,539.56
Rate History
↑ 3.2% over 54d
43.3564
43.18 – 44.61
+2.8%
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)
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
44.5254
Estimated · click to quote
~₱44,525.35
Estimated
Exchange rate
44.5254
Mid-market: 44.8844 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~₱44,525.35
WorldRemit
Speed
0-3 days
Fee
Free
Rate
44.4715
Mid 44.8844 ▼0.92%
₱44,471.49
Recipient gets
Exchange rate
44.4715
Mid-market: 44.8844 (0.92% below)
Transfer fee
Free
Delivery
0-3 days
Recipient gets
₱44,471.49
Rate History
↑ 3.3% over 54d
43.1096
42.93 – 44.42
+2.9%
Deals & promotions
Sign-up offer
First 3 transfers fee-free
Code: 3FREE
Refer a friend
You get $20 voucher per referral
Friend gets $20 voucher after first transfer of ~$130+
InstaReM
Speed
1-3 business days
Fee
Free
Rate
44.4670
Mid 44.8844 ▼0.93%
₱44,467.00
Recipient gets
Exchange rate
44.4670
Mid-market: 44.8844 (0.93% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
₱44,467.00
Rate History
↑ 3.0% over 60d
43.5576
42.46 – 44.97
+2.0%
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
44.4535
Mid-market: 44.8844 (0.96% below)
Transfer fee
Free
Delivery
0-3 days
Recipient gets
₱44,453.54
Rate History
↑ 2.3% over 54d
43.5450
43.41 – 44.50
+2.0%
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+)
Exchange rate
44.4490
Mid-market: 44.8844 (0.97% below)
Transfer fee
C$0.99
Delivery
Instant
Recipient gets
₱44,405.04
Rate History
↑ 4.2% over 54d
42.8542
42.63 – 44.48
+3.6%
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
44.3997
Mid 44.8844 ▼1.08%
₱44,399.67
Recipient gets
Exchange rate
44.3997
Mid-market: 44.8844 (1.08% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
₱44,399.67
Rate History
↑ 2.8% over 54d
43.7463
42.50 – 45.15
+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
MoneyGram
Speed
0-1 days
Fee
C$3.49
Rate
44.5298
Mid 44.8844 ▼0.79%
₱44,374.43
Recipient gets
Exchange rate
44.5298
Mid-market: 44.8844 (0.79% below)
Transfer fee
C$3.49
Delivery
0-1 days
Recipient gets
₱44,374.43
Rate History
↑ 0.4% over 7d
44.4782
44.34 – 44.59
+0.0%
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.
Wise
Speed
Instant
Fee
C$11.85
Rate
44.8844
Mid 44.8844 ▼0.00%
₱44,352.55
Recipient gets
Exchange rate
44.8844
Mid-market: 44.8844 (0.00% below)
Transfer fee
C$11.85
Delivery
Instant
Recipient gets
₱44,352.55
Rate History
↑ 2.9% over 60d
44.0688
43.04 – 45.32
+1.9%
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)
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
43.8386
Mid 44.8844 ▼2.33%
₱43,838.62
Recipient gets
Exchange rate
43.8386
Mid-market: 44.8844 (2.33% below)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
₱43,838.62
Rate History
↑ 2.9% over 60d
43.1361
42.09 – 44.27
+1.6%
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
Royal Bank of Canada
Speed
1-3 business days
Fee
Free
Rate
43.6636
Mid 44.8844 ▼2.72%
₱43,663.57
Recipient gets
Exchange rate
43.6636
Mid-market: 44.8844 (2.72% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
₱43,663.57
Rate History
Rate up 5.6%↑ 5.6% over 60d
42.1794
34.69 – 44.15
+3.5%
PayPal
Speed
Instant to 3 days
Fee
C$4.99
Rate
42.8736
Mid 44.8844 ▼4.48%
₱42,659.66
Recipient gets
Exchange rate
42.8736
Mid-market: 44.8844 (4.48% below)
Transfer fee
C$4.99
Delivery
Instant to 3 days
Recipient gets
₱42,659.66
Rate History
↑ 3.4% over 60d
42.0183
40.30 – 43.20
+2.0%
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
C$15.00
Rate
42.9679
Mid 44.8844 ▼4.27%
₱42,323.34
Recipient gets
Exchange rate
42.9679
Mid-market: 44.8844 (4.27% below)
Transfer fee
C$15.00
Delivery
1-3 business days
Recipient gets
₱42,323.34
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
Royal Bank of Canada
Speed
3-5 days
Fee
C$41.02
Rate
43.7758
Mid 44.8844 ▼2.47%
₱41,980.10
Recipient gets
Exchange rate
43.7758
Mid-market: 44.8844 (2.47% below)
Transfer fee
C$41.02
Delivery
3-5 days
Recipient gets
₱41,980.10
Exchange rate
41.5944
Mid-market: 44.8844 (7.33% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
₱41,594.40
Rate History
↑ 2.8% over 52d
40.9418
40.16 – 42.17
+1.6%