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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 ₱3,605 — Revolut vs United Overseas Bank (UOB)
61d trend
Today's best
47.8900
Ria Money Transfer
61d average
47.1845
Period best
48.1500
2026-05-14
Period worst
46.4719
2026-03-14
Based on 61 days of rate data across 15 providers · Updated every 6 hours
Revolut
Speed
0-1 days
Fee
S$1.50
Rate
48.1456
Mid 48.1600 ▼0.03%
₱48,073.37
Recipient gets
Exchange rate
48.1456
Mid-market: 48.1600 (0.03% below)
Transfer fee
S$1.50
Delivery
0-1 days
Recipient gets
₱48,073.37
Rate History
↑ 3.3% over 55d
46.8474
46.62 – 48.28
+2.8%
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
Instant
Fee
S$5.43
Rate
48.1600
Mid 48.1600 ▼0.00%
₱47,898.52
Recipient gets
Exchange rate
48.1600
Mid-market: 48.1600 (0.00% below)
Transfer fee
S$5.43
Delivery
Instant
Recipient gets
₱47,898.52
Rate History
↑ 3.3% over 61d
47.4350
46.61 – 48.36
+1.5%
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)
Ria Money Transfer
Speed
Minutes to 2 days
Fee
Free
Rate
47.8903
Mid 48.1600 ▼0.56%
₱47,890.34
Recipient gets
Exchange rate
47.8903
Mid-market: 48.1600 (0.56% below)
Transfer fee
Free
Delivery
Minutes to 2 days
Recipient gets
₱47,890.34
Rate History
↑ 3.3% over 51d
46.4861
46.35 – 48.15
+3.0%
Exchange rate
48.0637
Mid-market: 48.1600 (0.20% below)
Transfer fee
S$3.75
Delivery
0.5 day
Recipient gets
₱47,883.47
Rate History
↑ 3.4% over 55d
46.7100
46.49 – 48.13
+2.9%
InstaReM
Speed
1-3 business days
Fee
S$6.00
Rate
48.1311
Mid 48.1600 ▼0.06%
₱47,842.35
Recipient gets
Exchange rate
48.1311
Mid-market: 48.1600 (0.06% below)
Transfer fee
S$6.00
Delivery
1-3 business days
Recipient gets
₱47,842.35
Rate History
Best rate 28 of 61 days↑ 3.5% over 61d
47.2515
46.47 – 48.56
+1.9%
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)
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
47.7748
Estimated · click to quote
~₱47,774.75
Estimated
Exchange rate
47.7748
Mid-market: 48.1600 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~₱47,774.75
Western Union
Speed
Instant
Fee
S$3.00
Rate
47.8952
Mid 48.1600 ▼0.55%
₱47,751.47
Recipient gets
Exchange rate
47.8952
Mid-market: 48.1600 (0.55% below)
Transfer fee
S$3.00
Delivery
Instant
Recipient gets
₱47,751.47
Rate History
↑ 3.4% over 55d
46.5552
46.32 – 48.12
+2.9%
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
47.8085
Mid-market: 48.1600 (0.73% below)
Transfer fee
S$1.67
Delivery
0-6 days
Recipient gets
₱47,728.62
Rate History
↑ 2.8% over 55d
46.6832
46.48 – 47.95
+2.4%
Exchange rate
47.5484
Mid-market: 48.1600 (1.27% below)
Transfer fee
Free
Delivery
0-1 days
Recipient gets
₱47,548.40
Rate History
1.3% markup↑ 3.3% over 53d
46.2163
46.04 – 47.75
+2.9%
HSBC Singapore
Speed
1-3 business days
Fee
Free
Rate
47.5099
Mid 48.1600 ▼1.35%
₱47,509.87
Recipient gets
Exchange rate
47.5099
Mid-market: 48.1600 (1.35% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
₱47,509.87
Rate History
Rate up 3.6%↑ 3.6% over 61d
46.7298
45.85 – 47.69
+1.7%
Remitly
Speed
Minutes to 3-5 days
Fee
S$3.99
Rate
47.1679
Mid 48.1600 ▼2.06%
₱46,979.74
Recipient gets
Exchange rate
47.1679
Mid-market: 48.1600 (2.06% below)
Transfer fee
S$3.99
Delivery
Minutes to 3-5 days
Recipient gets
₱46,979.74
Rate History
↑ 3.1% over 61d
46.5316
45.75 – 47.59
+1.4%
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
47.5484
Mid-market: 48.1600 (1.27% below)
Transfer fee
S$30.00
Delivery
1-3 business days
Recipient gets
₱46,121.95
Rate History
↑ 3.6% over 61d
46.7665
45.72 – 47.70
+1.7%
MoneyGram
Speed
0-1 days
Fee
S$33.00
Rate
47.5821
Mid 48.1600 ▼1.20%
₱46,011.90
Recipient gets
Exchange rate
47.5821
Mid-market: 48.1600 (1.20% below)
Transfer fee
S$33.00
Delivery
0-1 days
Recipient gets
₱46,011.90
Rate History
Most stable rate↓ 0.3% over 8d
47.6310
47.57 – 47.73
-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
2 days
Fee
S$15.00
Rate
46.2433
Mid 48.1600 ▼3.98%
₱45,549.61
Recipient gets
Exchange rate
46.2433
Mid-market: 48.1600 (3.98% below)
Transfer fee
S$15.00
Delivery
2 days
Recipient gets
₱45,549.61
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
S$6.38
Rate
45.8387
Mid 48.1600 ▼4.82%
₱45,546.27
Recipient gets
Exchange rate
45.8387
Mid-market: 48.1600 (4.82% below)
Transfer fee
S$6.38
Delivery
Instant to 3 days
Recipient gets
₱45,546.27
Rate History
↑ 3.4% over 61d
45.2191
44.33 – 46.14
+1.4%
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
47.0812
Mid-market: 48.1600 (2.24% below)
Transfer fee
S$40.00
Delivery
1-3 business days
Recipient gets
₱45,198.00
Rate History
↑ 3.4% over 61d
46.3867
45.55 – 47.45
+1.5%
United Overseas Bank (UOB)
Speed
3-5 days
Fee
S$55.59
Rate
47.0861
Mid 48.1600 ▼2.23%
₱44,468.55
Recipient gets
Exchange rate
47.0861
Mid-market: 48.1600 (2.23% below)
Transfer fee
S$55.59
Delivery
3-5 days
Recipient gets
₱44,468.55