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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 ₱9,362 — Remitly vs PNB Europe
60d trend
Today's best
82.1650
InstaReM
60d average
80.8701
Period best
83.2000
2026-05-14
Period worst
78.6347
2026-03-13
Based on 60 days of rate data across 28 providers · Updated every 6 hours
Remitly
Speed
Minutes to 3-5 days
Fee
Free
Rate
84.1313
Mid 82.7087 ▲1.72%
₱42,065.65
Recipient gets
Exchange rate
84.1313
Mid-market: 82.7087 (1.72% above)
Transfer fee
Free
Delivery
Minutes to 3-5 days
Recipient gets
₱42,065.65
Rate History
↑ 4.7% over 60d
80.8132
78.31 – 83.16
+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
Wise
Speed
Instant
Fee
£1.21
Rate
82.7170
Mid 82.7087 ▲0.01%
₱41,258.40
Recipient gets
Exchange rate
82.7170
Mid-market: 82.7087 (0.01% above)
Transfer fee
£1.21
Delivery
Instant
Recipient gets
₱41,258.40
Rate History
↑ 4.5% over 60d
81.3405
79.14 – 83.49
+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
82.4192
Mid-market: 82.7087 (0.35% below)
Transfer fee
£1.00
Delivery
2 days
Recipient gets
₱41,127.19
Rate History
↑ 4.1% over 54d
79.5184
79.11 – 82.75
+3.6%
Exchange rate
82.4854
Mid-market: 82.7087 (0.27% below)
Transfer fee
£1.50
Delivery
0-3 days
Recipient gets
₱41,118.97
Rate History
↑ 3.6% over 54d
79.9008
79.55 – 82.96
+3.2%
Exchange rate
82.3944
Mid-market: 82.7087 (0.38% below)
Transfer fee
£0.99
Delivery
Instant
Recipient gets
₱41,115.64
Rate History
↑ 4.4% over 54d
79.3339
78.90 – 82.67
+3.8%
InstaReM
Speed
1-3 business days
Fee
Free
Rate
82.1628
Mid 82.7087 ▼0.66%
₱41,081.41
Recipient gets
Exchange rate
82.1628
Mid-market: 82.7087 (0.66% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
₱41,081.41
Rate History
↑ 4.5% over 60d
80.4517
78.63 – 83.42
+2.1%
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
82.2952
Mid-market: 82.7087 (0.50% below)
Transfer fee
£1.10
Delivery
Instant
Recipient gets
₱41,057.06
Rate History
↑ 3.2% over 54d
80.0265
79.71 – 82.66
+2.8%
Revolut
Speed
0-1 days
Fee
£0.70
Rate
82.2290
Mid 82.7087 ▼0.58%
₱41,056.94
Recipient gets
Exchange rate
82.2290
Mid-market: 82.7087 (0.58% below)
Transfer fee
£0.70
Delivery
0-1 days
Recipient gets
₱41,056.94
Rate History
↑ 3.7% over 54d
79.6541
79.29 – 82.58
+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
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
82.0470
Estimated · click to quote
~₱41,023.52
Estimated
Exchange rate
82.0470
Mid-market: 82.7087 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~₱41,023.52
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
81.9974
Mid 82.7087 ▼0.86%
₱40,998.70
Recipient gets
Exchange rate
81.9974
Mid-market: 82.7087 (0.86% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
₱40,998.70
Rate History
↑ 2.5% over 54d
80.8130
78.60 – 83.00
+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
81.9809
Mid-market: 82.7087 (0.88% below)
Transfer fee
Free
Delivery
Instant
Recipient gets
₱40,990.43
Rate History
↑ 2.9% over 54d
79.9520
79.68 – 82.31
+2.5%
Exchange rate
82.3282
Mid-market: 82.7087 (0.46% below)
Transfer fee
£3.00
Delivery
1-3 business days
Recipient gets
₱40,917.14
Rate History
↑ 4.7% over 59d
80.9956
78.63 – 83.63
+1.6%
MoneyGram
Speed
Minutes to 3 days
Fee
£1.49
Rate
81.9726
Mid 82.7087 ▼0.89%
₱40,864.16
Recipient gets
Exchange rate
81.9726
Mid-market: 82.7087 (0.89% below)
Transfer fee
£1.49
Delivery
Minutes to 3 days
Recipient gets
₱40,864.16
Rate History
↑ 4.2% over 59d
81.0231
78.63 – 83.58
+1.2%
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.
Skrill
Speed
Instant to 3 business days
Fee
Free
Rate
81.6831
Mid 82.7087 ▼1.24%
₱40,841.56
Recipient gets
Exchange rate
81.6831
Mid-market: 82.7087 (1.24% below)
Transfer fee
Free
Delivery
Instant to 3 business days
Recipient gets
₱40,841.56
Rate History
↑ 4.7% over 60d
80.3337
78.04 – 82.79
+1.7%
Western Union
Speed
Minutes to 5 days
Fee
£1.99
Rate
81.9478
Mid 82.7087 ▼0.92%
₱40,810.82
Recipient gets
Exchange rate
81.9478
Mid-market: 82.7087 (0.92% below)
Transfer fee
£1.99
Delivery
Minutes to 5 days
Recipient gets
₱40,810.82
Rate History
Rate up 5.4%↑ 5.4% over 60d
80.4936
77.72 – 82.70
+1.8%
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)
WorldRemit
Speed
Minutes to 3 days
Fee
£1.99
Rate
81.4681
Mid 82.7087 ▼1.50%
₱40,571.92
Recipient gets
Exchange rate
81.4681
Mid-market: 82.7087 (1.50% below)
Transfer fee
£1.99
Delivery
Minutes to 3 days
Recipient gets
₱40,571.92
Rate History
↑ 4.1% over 60d
80.0533
77.63 – 82.41
+1.8%
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+
HSBC
Speed
Same day to 3 business days
Fee
Free
Rate
80.5004
Mid 82.7087 ▼2.67%
₱40,250.19
Recipient gets
Exchange rate
80.5004
Mid-market: 82.7087 (2.67% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
₱40,250.19
Rate History
↑ 4.4% over 60d
78.9722
76.82 – 81.12
+1.9%
Barclays
Speed
Same day to 3 business days
Fee
Free
Rate
80.3929
Mid 82.7087 ▼2.80%
₱40,196.43
Recipient gets
Exchange rate
80.3929
Mid-market: 82.7087 (2.80% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
₱40,196.43
Rate History
↑ 4.7% over 56d
78.9989
76.80 – 81.57
+1.8%
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
£1.99
Rate
80.3432
Mid 82.7087 ▼2.86%
₱40,011.73
Recipient gets
Exchange rate
80.3432
Mid-market: 82.7087 (2.86% below)
Transfer fee
£1.99
Delivery
Minutes to 3 days
Recipient gets
₱40,011.73
Rate History
↑ 4.7% over 60d
62.5930
56.33 – 80.66
+28.4%
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
Exchange rate
79.9380
Mid-market: 82.7087 (3.35% below)
Transfer fee
£2.00
Delivery
0-1 days
Recipient gets
₱39,809.11
Rate History
↑ 3.5% over 54d
77.5695
77.24 – 80.18
+3.0%
PayPal
Speed
Instant to 3 days
Fee
£2.99
Rate
79.0530
Mid 82.7087 ▼4.42%
₱39,290.12
Recipient gets
Exchange rate
79.0530
Mid-market: 82.7087 (4.42% below)
Transfer fee
£2.99
Delivery
Instant to 3 days
Recipient gets
₱39,290.12
Rate History
↑ 5.0% over 59d
77.4107
74.37 – 79.58
+2.1%
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+
Nationwide
Speed
2-5 business days
Fee
£15.00
Rate
80.8643
Mid 82.7087 ▼2.23%
₱39,219.19
Recipient gets
Exchange rate
80.8643
Mid-market: 82.7087 (2.23% below)
Transfer fee
£15.00
Delivery
2-5 business days
Recipient gets
₱39,219.19
Rate History
↑ 4.8% over 59d
79.5631
77.13 – 82.38
+1.6%
CurrencyFair
Speed
1-2 business days
Fee
£25.29
Rate
82.3531
Mid 82.7087 ▼0.43%
₱39,093.82
Recipient gets
Exchange rate
82.3531
Mid-market: 82.7087 (0.43% below)
Transfer fee
£25.29
Delivery
1-2 business days
Recipient gets
₱39,093.82
Rate History
↑ 3.3% over 54d
79.9157
79.59 – 82.60
+2.9%
OFX
Speed
1-3 business days
Fee
£7.00
Rate
79.2019
Mid 82.7087 ▼4.24%
₱39,046.51
Recipient gets
Exchange rate
79.2019
Mid-market: 82.7087 (4.24% below)
Transfer fee
£7.00
Delivery
1-3 business days
Recipient gets
₱39,046.51
Rate History
↑ 4.5% over 54d
74.1434
73.73 – 77.34
+3.9%
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
XE
Speed
1-4 business days
Fee
£30.48
Rate
82.2455
Mid 82.7087 ▼0.56%
₱38,615.92
Recipient gets
Exchange rate
82.2455
Mid-market: 82.7087 (0.56% below)
Transfer fee
£30.48
Delivery
1-4 business days
Recipient gets
₱38,615.92
Rate History
↑ 2.8% over 54d
80.2195
79.92 – 82.87
+2.4%
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
66.8783
Mid-market: 82.7087 (19.14% below)
Transfer fee
£11.00
Delivery
3-5 days
Recipient gets
₱32,703.47
Rate History
Most stable rate→ 0.0% over 54d
66.8500
66.85 – 66.85
0.0%