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Compare exchange rates, fees, and delivery times from 53+ 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 ₱2,217 — Revolut vs ASB Bank
55d trend
Today's best
35.7918
Ria Money Transfer
55d average
35.3776
Period best
36.2175
2026-05-14
Period worst
34.6760
2026-03-28
Based on 55 days of rate data across 14 providers · Updated every 6 hours
Revolut
Speed
0-1 days
Fee
NZ$1.50
Rate
35.9587
Mid 36.1213 ▼0.45%
₱35,904.81
Recipient gets
Exchange rate
35.9587
Mid-market: 36.1213 (0.45% below)
Transfer fee
NZ$1.50
Delivery
0-1 days
Recipient gets
₱35,904.81
Rate History
↑ 3.6% over 55d
34.8471
34.66 – 36.24
+3.1%
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
Wise
Speed
3h 17m
Fee
NZ$6.53
Rate
36.1249
Mid 36.1213 ▲0.01%
₱35,889.01
Recipient gets
Exchange rate
36.1249
Mid-market: 36.1213 (0.01% above)
Transfer fee
NZ$6.53
Delivery
3h 17m
Recipient gets
₱35,889.01
Rate History
↑ 4.0% over 55d
35.5069
34.30 – 36.67
+1.7%
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
35.8359
Mid-market: 36.1213 (0.79% below)
Transfer fee
Free
Delivery
0-3 days
Recipient gets
₱35,835.93
Rate History
↑ 3.2% over 55d
34.8808
34.71 – 36.25
+2.7%
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+)
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
35.8323
Estimated · click to quote
~₱35,832.32
Estimated
Exchange rate
35.8323
Mid-market: 36.1213 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~₱35,832.32
Ria Money Transfer
Speed
Minutes to 2 days
Fee
Free
Rate
35.7926
Mid 36.1213 ▼0.91%
₱35,792.59
Recipient gets
Exchange rate
35.7926
Mid-market: 36.1213 (0.91% below)
Transfer fee
Free
Delivery
Minutes to 2 days
Recipient gets
₱35,792.59
Rate History
Best rate 23 of 55 days↑ 3.2% over 51d
34.7886
34.68 – 36.22
+2.9%
Remitly
Speed
Minutes to 3-5 days
Fee
NZ$1.99
Rate
35.7565
Mid 36.1213 ▼1.01%
₱35,685.31
Recipient gets
Exchange rate
35.7565
Mid-market: 36.1213 (1.01% below)
Transfer fee
NZ$1.99
Delivery
Minutes to 3-5 days
Recipient gets
₱35,685.31
Rate History
↑ 4.1% over 45d
35.2165
33.89 – 36.38
+1.5%
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
Exchange rate
35.6626
Mid-market: 36.1213 (1.27% below)
Transfer fee
Free
Delivery
0-1 days
Recipient gets
₱35,662.55
Rate History
↑ 3.8% over 53d
34.4800
34.36 – 35.68
+3.5%
Western Union
Speed
Instant
Fee
NZ$4.00
Rate
35.7131
Mid 36.1213 ▼1.13%
₱35,570.27
Recipient gets
Exchange rate
35.7131
Mid-market: 36.1213 (1.13% below)
Transfer fee
NZ$4.00
Delivery
Instant
Recipient gets
₱35,570.27
Rate History
↑ 3.8% over 55d
34.5017
34.30 – 36.04
+3.2%
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)
Exchange rate
35.5036
Mid-market: 36.1213 (1.71% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
₱35,503.62
Rate History
↑ 4.2% over 54d
34.7890
33.16 – 36.13
+2.0%
ASB NZ
Speed
1-3 business days
Fee
NZ$5.00
Rate
35.4422
Mid 36.1213 ▼1.88%
₱35,265.00
Recipient gets
Exchange rate
35.4422
Mid-market: 36.1213 (1.88% below)
Transfer fee
NZ$5.00
Delivery
1-3 business days
Recipient gets
₱35,265.00
Rate History
↑ 4.0% over 54d
34.8401
33.63 – 35.94
+1.7%
Westpac NZ
Speed
1-3 business days
Fee
Free
Rate
35.1930
Mid 36.1213 ▼2.57%
₱35,192.98
Recipient gets
Exchange rate
35.1930
Mid-market: 36.1213 (2.57% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
₱35,192.98
Rate History
↑ 3.9% over 43d
34.8507
33.75 – 35.83
+1.0%
MoneyGram
Speed
0-1 days
Fee
NZ$4.99
Rate
34.8462
Mid 36.1213 ▼3.53%
₱34,672.33
Recipient gets
Exchange rate
34.8462
Mid-market: 36.1213 (3.53% below)
Transfer fee
NZ$4.99
Delivery
0-1 days
Recipient gets
₱34,672.33
Rate History
Most stable rate↓ 0.9% over 8d
34.8665
34.71 – 35.16
-0.1%
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.
OFX
Speed
1-3 business days
Fee
NZ$12.00
Rate
34.8318
Mid 36.1213 ▼3.57%
₱34,413.78
Recipient gets
Exchange rate
34.8318
Mid-market: 36.1213 (3.57% below)
Transfer fee
NZ$12.00
Delivery
1-3 business days
Recipient gets
₱34,413.78
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
PayPal
Speed
Instant to 3 days
Fee
NZ$6.99
Rate
34.2430
Mid 36.1213 ▼5.20%
₱34,003.63
Recipient gets
Exchange rate
34.2430
Mid-market: 36.1213 (5.20% below)
Transfer fee
NZ$6.99
Delivery
Instant to 3 days
Recipient gets
₱34,003.63
Rate History
↑ 3.5% over 54d
33.7445
32.00 – 34.76
+1.5%
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+
Exchange rate
35.4278
Mid-market: 36.1213 (1.92% below)
Transfer fee
NZ$49.11
Delivery
1-2 days
Recipient gets
₱33,687.91