Send Money from Ireland to Philippines

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Philippine pesos rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing until the next working day.

Across the providers we compare, the available payout methods are GCash, bank deposit, cash pickup and card payout. The most widely used options in the Philippines are GCash and Maya wallets, bank deposit and cash pickup. GCash has become the default way to receive remittances in the Philippines, with instant delivery to a mobile number. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in the Philippines, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, GCash and Maya wallets, bank deposit and cash pickup generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to PHP, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Ireland under the Central Bank of Ireland, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

This corridor's Wise balance, bank-transfer and open-banking figures are identical, to the cent, to the same provider's Spanish page for the same destination — 6.83 from a balance, 9.15 by bank transfer, 7.32 by open banking, on a stated 1,000 EUR. Wise prices a euro transfer by the currency route, not by which euro country you are sitting in. Wise's debit and credit card figures are not quoted here. This read returned 43.53 for the debit row against Spain's 15.15 for the same corridor on the same day — the two card rows are the only ones this site has found to move between reads and between euro hubs, so they are excluded rather than presented as comparable. Wise's Irish pages offer an open-banking payment option that its American, Singaporean and Swiss pages do not — a direct bank payment authorised through your own bank rather than a card or a manual transfer, and it is consistently cheaper here than an ordinary bank transfer for the same money leaving the same account. GCash and Maya have displaced bank deposit as the default way most people in the Philippines receive money, the same shift this site found on Spain's and France's corridors to the Philippines and China.