Send Money to the Philippines from UK – Low Fees & Fast

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What is the best way to send money to the Philippines from the UK?

The best way to send money to the Philippines from the UK is by using a trusted international money transfer service. These services give you better exchange rates and have lower fees. They also deliver money faster than high street banks. You can pay using a debit card, a credit card, or a bank transfer.

Best Ways to Send Money to the Philippines

If you need to support family, pay monthly bills, or send money to a business, there are several easy ways to transfer money from the UK to the Philippines. Look for services regulated by the Financial Conduct Authority (FCA). These services make sure your transfer is safe and clear.

Here are the most popular payment methods:

  • You can make bank transfers to big banks like BDO, BPI, PNB, and Metrobank.
  • Debit or credit card transfers are there for quick and easy payments.
  • You can get mobile wallet payouts using apps from Google Play and the App Store.
  • Cash pickup is available at local agent spots.
  • Use online money transfer for real-time tracking and low fees.

Most providers offer a variety of payment methods, including wire transfer, online banking, and credit card companies. Some services also allow transfers from local bank accounts with minimal paperwork.

Most services allow you to send money in GBP. You can convert it to PHP or USD based on the needs of the destination country.

GBP to PHP Exchange Rate – See Today’s Mid-Market Rate

As of April 16, 2025, the mid-market rate now is:

1 GBP = ₱70.10 PHP

Rates can be different from one provider to another because of currency exchange markups. To stay clear of hidden fees, choose services that show the total cost upfront. This should include the fees and the actual exchange rate used.

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Comparing Features, Fees, and Reliability for Seamless Money Transfers

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Step-by-Step Guide: How to Send Money to the Philippines

Here’s how to make your first transfer from the UK to the Philippines:

  1. Choose a money transfer service using Free Price Compare.
  2. Enter the amount you want to send in GBP.
  3. Add the recipient's details – name, bank account number, bank name, or mobile wallet.
  4. Select your payment method – debit card, credit card, or bank transfer.
  5. Fill in your email address, phone number, and other personal info.
  6. Verify your account if needed using a photo ID or address.
  7. Check the total cost, delivery method, and estimated arrival time.
  8. Send the money and get confirmation via email or the provider’s mobile app.

Transfers can be sent to bank accounts, mobile wallets, or you can collect them as cash pickup.

How Much Does It Cost to Send £1,000 to the Philippines?

Here is an estimate of what your recipient might get today:

Provider Fees Rate (GBP to PHP) Recipient Gets (₱) Delivery Method
Equals Group £0 70.05 ₱70,050 Bank deposit (1–2 days)
FC Global Payments £0 70.10 ₱70,100 Same day–1 day
Halo Financial £0 69.95 ₱69,950 Bank transfer (1–2 days)
Key Currency £0 69.90 ₱69,900 Mobile wallet or bank (1 day)
OFX £0 70.00 ₱70,000 Bank deposit (1–2 days)
Regency FX £0 70.08 ₱70,080 Cash pickup or wallet (1–3 d)
TorFX £0 70.03 ₱70,030 Bank or wallet (1–2 days)
Currencies Direct £0 69.98 ₱69,980 Bank deposit or app (1–2 d)

📌 Rates checked on April 16, 2025. The final amounts might change depending on the payment method, the time of day, and the type of delivery.

How Long Does It Take to Transfer Money to the Philippines?

Delivery times can change depending on your payment method and the recipient's bank details.

  • Bank deposit: Takes 1 to 2 business days (BPI, BDO, PNB, Metrobank)
  • Mobile wallet: Money arrives the same day or the next day
  • Cash pickup: Usually ready in minutes (ID needed)
  • Card payments (Visa/Mastercard): Fastest option – often happens in real time
  • App-based transfer: You can track it in real time with notifications

Providers also send email and text updates. This way, you can know exactly when your transfer arrives.

Avoid Hidden Fees When Sending Money to the Philippines

To keep your costs low and avoid surprises:

  • Pick a provider that shows the total cost upfront.
  • Look at the real exchange rate, not just the one they advertise.
  • Watch out for extra fees on urgent transfers or when using a credit card.
  • Be careful with high street banks that charge high costs for international money transfers.
  • Don't settle for unclear pricing – always check or see terms before you confirm.
Avoid Hidden Fees When Sending Money to the Philippines

Use Free Price Compare's platform to figure out exact costs. You need to enter your card details, payment method, and the location of the recipient. When reviewing fees, check for any additional fees, like processing charges or currency conversion costs. Always review the paymen

Is It Safe to Send Money to the Philippines?

Yes, all providers on Free Price Compare are trusted providers in the UK. They follow strict security rules to keep you safe:

  • Your email address and personal information
  • Account details, card numbers, and passwords for your bank
  • Transfer data using SWIFT, IBAN, BIC, and secure encryption

Mobile apps can be found for Android, iOS, and desktop computers. They come with multi-factor authentication and password protection. This helps keep your information safe and gives you peace of mind.

Who Sends Money to the Philippines?

The UK sends a lot of money to the Philippines. People often do this for several reasons:

  • Sending money to help family or friends.
  • Paying monthly payments for school or home costs.
  • Managing business transactions in PHP or USD.
  • Providing emergency support sent to rural areas with cash pickup.
  • Sending money to Banco de Oro (BDO), BPI, PNB, or Metrobank accounts.

Most people in the Philippines like getting transfers to bank accounts or mobile wallets. These methods are easy to use, and they receive notifications in real time.

Compare International Money Transfer Services

Comparing Features, Fees, and Reliability for Seamless Money Transfers

Check Rates

Compare Trusted UK Providers for Transfers to the Philippines

Provider Why Choose Them Philippines Transfer Options
Equals Group Transparent pricing, fast delivery Bank account deposit, mobile app tracking
FC Global Payments Personal & business solutions Bank transfer, wallet, and cash pickup
Halo Financial Great support, trusted by expats BDO, BPI, PNB transfers, Visa/Mastercard options
Key Currency Simple process, no hidden fees Wallet and bank account payouts
OFX 24/7 transfers, secure & reliable Deposits to major banks or currency exchanges
Regency FX Real-time tracking, business support Bank deposit, cash pickup, mobile wallet delivery
TorFX Rate alerts and excellent service Online money transfers to Philippine banks
Currencies Direct Ideal for new customers and monthly users App-based payments, repeat scheduling, PHP/GBP

Correct as of 16 April 2025

FAQs – About Sending Money to the Philippines from the UK

The best choice is a money transfer service that is regulated. Look for one with low fees, real exchange rates, and quick delivery. You should be able to send money to bank accounts, mobile wallets, or for cash pickup.

Choose a service that shows the total cost clearly from the start. Make sure it does not raise the exchange rate. Try to stay away from high street banks when you can.

You’ll need the recipient’s full name, bank account number, bank name, and mobile number. Some services may also request the recipient’s email address or SWIFT/IBAN code, especially for first-time transfers or high-value transactions.

FCA-regulated services provide safe mobile apps for iOS, Android, and desktop. You can track everything and your card details are encrypted for extra security.

Yes. Some providers have real-time delivery for mobile wallets and card payments. This is especially true for accounts at BPI, BDO, and Metrobank.

Limits depend on the provider you choose. Many FCA-regulated services let you send up to £50,000 per transfer, while others may cap transfers at £10,000 per day for security reasons. ID verification may be required for larger amounts. Always check your provider’s limits and whether the recipient's account or mobile wallet can accept high-value transfers.

Yes, always be cautious of scams when sending money abroad. Avoid sending funds to someone you don’t know personally or haven’t verified. Be wary of messages requesting urgent money transfers for emergencies or unexpected fees. Only use trusted, FCA-regulated money transfer services. Never share your account details, passwords, or verification codes with anyone claiming to be from a provider without verifying their identity first.

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Page last updated on: 02/06/2025

Page reviewed by: Andrea Troy

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