Send Money to Philippines — Live Rate Comparison 2026
Live mid-market FX rates. See exactly how much your family receives vs MLhuillier Kwarta Padala on every corridor.
Rates updated hourly from ECB. Fee structures verified April 2026.
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Why Your Family Gets Less with MLhuillier
MLhuillier Kwarta Padala charges a flat fee plus a foreign exchange markup of approximately 2–3% over the mid-market rate. On a ₱500 USD transfer, that markup alone costs your family ₱600–₱900 compared to providers like Wise (0.4% margin) or Sendwave (0% margin).
The calculator above uses live ECB mid-market rates to show the real difference. Providers listed are independently ranked — we earn affiliate commissions from some, but this does not affect rankings. MLhuillier is shown first specifically so you can see the gap.
Best Remittance Services to Philippines by Corridor
USA to Philippines
Sendwave (zero fee, zero FX margin up to $2,999)
UAE to Philippines (AED→PHP)
Remitly (no flat fee, low FX margin)
Saudi Arabia to Philippines
Remitly or WorldRemit (widest corridor coverage)
Hong Kong to Philippines
Wise (low fee, near-zero FX margin)
Singapore to Philippines
Wise or Remitly (both sub-1% total cost)
UK to Philippines
TransferGo or Sendwave (competitive GBP→PHP)