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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 ₱6,146 — InstaReM vs PNB Europe
60d trend
Today's best
71.6604
Ria Money Transfer
60d average
69.8628
Period best
72.1083
2026-05-14
Period worst
67.7712
2026-03-15
Based on 60 days of rate data across 20 providers · Updated every 6 hours
InstaReM
Speed
1-3 business days
Fee
Free
Rate
71.2427
Mid 71.6583 ▼0.58%
₱21,372.82
Recipient gets
Exchange rate
71.2427
Mid-market: 71.6583 (0.58% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
₱21,372.82
Rate History
↑ 5.1% over 60d
69.8395
67.77 – 72.24
+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)
WorldRemit
Speed
Minutes to 3 days
Fee
Free
Rate
71.1639
Mid 71.6583 ▼0.69%
₱21,349.17
Recipient gets
Exchange rate
71.1639
Mid-market: 71.6583 (0.69% below)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
₱21,349.17
Rate History
↑ 4.8% over 60d
69.8605
67.43 – 71.76
+1.9%
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+
Exchange rate
71.0922
Mid-market: 71.6583 (0.79% below)
Transfer fee
Free
Delivery
0-3 days
Recipient gets
₱21,327.67
Rate History
↑ 3.4% over 54d
69.0067
68.69 – 71.50
+2.9%
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
71.0851
Estimated · click to quote
~₱21,325.52
Estimated
Exchange rate
71.0851
Mid-market: 71.6583 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~₱21,325.52
Revolut
Speed
0-1 days
Fee
€0.90
Rate
71.2642
Mid 71.6583 ▼0.55%
₱21,315.13
Recipient gets
Exchange rate
71.2642
Mid-market: 71.6583 (0.55% below)
Transfer fee
€0.90
Delivery
0-1 days
Recipient gets
₱21,315.13
Rate History
↑ 3.7% over 54d
69.0203
68.67 – 71.54
+3.2%
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
71.0492
Mid-market: 71.6583 (0.85% below)
Transfer fee
Free
Delivery
2 days
Recipient gets
₱21,314.77
Rate History
↑ 4.1% over 54d
68.5852
68.20 – 71.32
+3.5%
Ria Money Transfer
Speed
Minutes to 2 days
Fee
€2.70
Rate
71.6583
Mid 71.6583 ▼0.00%
₱21,304.03
Recipient gets
Exchange rate
71.6583
Mid-market: 71.6583 (0.00% below)
Transfer fee
€2.70
Delivery
Minutes to 2 days
Recipient gets
₱21,304.03
Rate History
Best rate 40 of 60 days↑ 3.8% over 54d
69.3720
69.01 – 72.11
+3.3%
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
70.9991
Mid 71.6583 ▼0.92%
₱21,299.73
Recipient gets
Exchange rate
70.9991
Mid-market: 71.6583 (0.92% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
₱21,299.73
Rate History
↑ 2.9% over 54d
70.2843
68.40 – 71.90
+1.0%
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
71.2714
Mid-market: 71.6583 (0.54% below)
Transfer fee
€3.36
Delivery
0-6 days
Recipient gets
₱21,141.95
Rate History
↑ 3.3% over 54d
69.2785
68.97 – 71.55
+2.8%
Wise
Speed
2 min
Fee
€5.04
Rate
71.6583
Mid 71.6583 ▼0.00%
₱21,136.35
Recipient gets
Exchange rate
71.6583
Mid-market: 71.6583 (0.00% below)
Transfer fee
€5.04
Delivery
2 min
Recipient gets
₱21,136.35
Rate History
↑ 4.9% over 60d
70.6002
68.31 – 72.27
+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)
Exchange rate
71.3001
Mid-market: 71.6583 (0.50% below)
Transfer fee
€3.90
Delivery
Instant
Recipient gets
₱21,111.95
Rate History
↑ 3.1% over 54d
69.3612
69.06 – 71.59
+2.7%
MoneyGram
Speed
Minutes to 3 days
Fee
€4.47
Rate
71.3860
Mid 71.6583 ▼0.38%
₱21,096.72
Recipient gets
Exchange rate
71.3860
Mid-market: 71.6583 (0.38% below)
Transfer fee
€4.47
Delivery
Minutes to 3 days
Recipient gets
₱21,096.72
Rate History
Rate up 5.8%↑ 5.8% over 42d
70.5814
67.48 – 71.94
+1.1%
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.
Western Union
Speed
Instant
Fee
€2.97
Rate
70.9633
Mid 71.6583 ▼0.97%
₱21,078.22
Recipient gets
Exchange rate
70.9633
Mid-market: 71.6583 (0.97% below)
Transfer fee
€2.97
Delivery
Instant
Recipient gets
₱21,078.22
Rate History
↑ 3.8% over 54d
68.6840
68.33 – 71.32
+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
70.5548
Mid-market: 71.6583 (1.54% below)
Transfer fee
€2.97
Delivery
Instant
Recipient gets
₱20,956.89
Rate History
↑ 5.2% over 54d
67.4677
66.99 – 70.79
+4.5%
Exchange rate
71.3502
Mid-market: 71.6583 (0.43% below)
Transfer fee
€9.00
Delivery
1-3 business days
Recipient gets
₱20,762.91
Rate History
↑ 5.1% over 59d
70.3334
67.87 – 72.41
+1.4%
Remitly
Speed
Minutes to 3-5 days
Fee
€8.97
Rate
70.7769
Mid 71.6583 ▼1.23%
₱20,598.21
Recipient gets
Exchange rate
70.7769
Mid-market: 71.6583 (1.23% below)
Transfer fee
€8.97
Delivery
Minutes to 3-5 days
Recipient gets
₱20,598.21
Rate History
↑ 5.0% over 60d
69.1054
66.76 – 71.11
+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
71.2427
Mid-market: 71.6583 (0.58% below)
Transfer fee
€12.00
Delivery
0-3 days
Recipient gets
₱20,517.91
Rate History
↑ 3.2% over 54d
69.2712
68.96 – 71.66
+2.8%
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+)
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
€8.97
Rate
69.7307
Mid 71.6583 ▼2.69%
₱20,293.74
Recipient gets
Exchange rate
69.7307
Mid-market: 71.6583 (2.69% below)
Transfer fee
€8.97
Delivery
Minutes to 3 days
Recipient gets
₱20,293.74
Rate History
↑ 4.9% over 60d
60.0387
56.33 – 70.09
+16.1%
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
OFX
Speed
1-3 business days
Fee
€5.00
Rate
68.6200
Mid 71.6583 ▼4.24%
₱20,242.91
Recipient gets
Exchange rate
68.6200
Mid-market: 71.6583 (4.24% below)
Transfer fee
€5.00
Delivery
1-3 business days
Recipient gets
₱20,242.91
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
€11.97
Rate
68.5125
Mid 71.6583 ▼4.39%
₱19,733.67
Recipient gets
Exchange rate
68.5125
Mid-market: 71.6583 (4.39% below)
Transfer fee
€11.97
Delivery
Instant to 3 days
Recipient gets
₱19,733.67
Rate History
↑ 5.4% over 59d
67.2453
64.83 – 68.76
+1.9%
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
56.5528
Mid-market: 71.6583 (21.08% below)
Transfer fee
€30.75
Delivery
3-5 days
Recipient gets
₱15,226.83
Rate History
Most stable rate→ 0.0% over 54d
56.5000
56.50 – 56.50
0.0%