Cheapest Way to Send Money from Finland to the Philippines
A live, no-nonsense comparison of what Finnish money-transfer providers actually deliver in the Philippines — ranked by how many PHP land in your recipient’s account, not by marketing claims.
Quick answer
Sending €1,000 from Finland to the Philippines, the most you receive is ₱72,227 via WorldRemit. Wise ranks #2 of 12, delivering ₱72,223 — with the transparent mid-market rate and a small fixed fee.
| # | Provider | Fee | Rate | They receive |
|---|---|---|---|---|
| 1 | WorldRemitCheapest | €0.00 | 72.23 | ₱72,227 |
| 2 | Wise | €7.32 | 72.76 | ₱72,223 |
| 3 | Instarem | €0.00 | 72.22 | ₱72,221 |
| 4 | Moneygram | €2.49 | 72.13 | ₱71,951 |
| 5 | Western Union | €2.99 | 72.03 | ₱71,819 |
| 6 | BNP Paribas | €0.00 | 71.79 | ₱71,790 |
| 7 | ABN AMRO Bank | €11.00 | 72.04 | ₱71,243 |
| 8 | Sparkasse | €15.00 | 71.69 | ₱70,619 |
| 9 | Monese | €30.00 | 72.40 | ₱70,229 |
| 10 | UniCredit | €15.25 | 70.42 | ₱69,346 |
| 11 | OFX | €10.00 | 69.84 | ₱69,142 |
| 12 | PayPal | €3.99 | 69.31 | ₱69,032 |
Comparing €1,000 · rates from Wise’s public Comparison API, refreshed hourly (as of September 2026). Figures are a benchmark; the exact amount depends on payment method and timing. The table is ordered purely by amount received. NordicExpat may earn a commission if you open a Wise account through our link, at no extra cost to you — it does not affect the ranking.
Send money home without the bank markup
Most Finnish banks add a 3–5% hidden margin on the exchange rate when you send money abroad. Wise uses the real mid-market rate with a small, transparent fee shown upfront — so more of your money actually arrives.
- ✓ Hold EUR, GBP and 40+ currencies in one account
- ✓ Get a euro IBAN the day you sign up — before your Finnish bank is open
- ✓ Wise debit card works in Finland and across the EU
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Frequently asked questions
What is the cheapest way to send money from Finland to the Philippines?
On a transfer of €1,000, WorldRemit currently delivers the most in the Philippines — ₱72,227. Wise ranks #2 of 12, using the mid-market exchange rate with a small transparent fee. Rankings are ordered purely by how much the recipient receives.
How much does it cost to send €1,000 from Finland to the Philippines?
The cheapest provider (WorldRemit) charges a €0.00 fee and delivers ₱72,227. The difference between the best and worst provider on the same €1,000 can be several hundred rupees, so the provider you choose matters more than the headline "no fee" claims.
Is Wise cheaper than a Finnish bank for sending money to the Philippines?
In this comparison, Wise delivers ₱72,223 versus ₱71,790 through BNP Paribas — a difference of ₱433 on €1,000. Banks usually build their margin into a worse exchange rate rather than a visible fee.
How often are these exchange rates updated?
The comparison is refreshed hourly from Wise’s public Comparison API, which publishes Wise’s own quote alongside competitors’ advertised fees and rates. Figures are a benchmark for guidance; the exact amount you receive depends on your payment method, the amount, and timing.
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