Send Money from New Zealand to Philippines
3 providers send money from New Zealand to the Philippines. None publishes a quote we can check before you send, so this page compares what they do publish: fees, limits and payout methods.
What does your recipient in Philippines actually get?
PHPAt the mid-market rate · 1,000₱35,836.64
No provider on this corridor publishes a like-for-like quote we can check, so this is the figure to measure their offers against.
1 NZD = 35.8366 PHP
30-day range35.04 – 36.01 PHP
Get a quote from two providers and measure each against the benchmark above. How the margin worksNZD→PHP reference rate for Oct 21, 2026, updated automatically · Rates By Exchange Rate API · 30-day series: European Central Bank
Compare 3 ways to send money to Philippines
| Provider | What it costs | Arrives | Payout | Open provider |
|---|---|---|---|---|
 Four rails and by far the widest named network here | VariesRate not published — confirm before sending | Express or standard | Payout methods: Bank deposit, Cash pickup, Mobile wallet, Home delivery | Go to Remitly |
 Cash and wallet coverage across the networks Filipino recipients actually use | VariesRate not published — confirm before sending | Minutes | Payout methods: Bank deposit, Cash pickup, Mobile wallet | Go to Western Union |
 The cheapest published fee here when funded from an account | NZ$6.35from a Wise account at 1,000 NZDNo rate margin | Minutes to days | Payout methods: Bank deposit | Go to Wise |
Four rails and by far the widest named network here
- Cost
- VariesRate not published — confirm before sending
- Arrives
- Express or standard
- Payout
- Payout methods: Bank deposit, Cash pickup, Mobile wallet, Home delivery
Cash and wallet coverage across the networks Filipino recipients actually use
- Cost
- VariesRate not published — confirm before sending
- Arrives
- Minutes
- Payout
- Payout methods: Bank deposit, Cash pickup, Mobile wallet
The cheapest published fee here when funded from an account
- Cost
- NZ$6.35from a Wise account at 1,000 NZDNo rate margin
- Arrives
- Minutes to days
- Payout
- Payout methods: Bank deposit
What it costs has two parts: the advertised fee, and the exchange-rate margin kept by paying your recipient less than the mid-market rate. The margin is usually the larger, and is never labelled as a fee. Figures are each provider’s published terms, with the fee figures checked against each provider’s own published schedule — open a provider for a live quote.
Too few checked amounts on this corridor to rank by money, so the order is payout coverage, delivery speed and published fees — a provider with a checked figure is not placed above one without. Affiliate arrangements never affect this order.
No labels are awarded on this corridor. With 3 providers the table is the comparison, and calling one of them best of 3 would dress a short list up as a finding.
Where two providers tie, the one supporting more payout types is listed first, then the faster one, then alphabetically. A label is left unawarded whenever the data we hold cannot support it — we would rather show fewer claims than invented ones. No provider on this corridor publishes its exchange rate in advance, so no Best value is named here. Full methodology
What these figures are
- Fees
- As each provider publishes them, September 2026. A provider that does not publish a fee for this corridor shows none rather than a guess.
- Payout methods, delivery speed, promotions
- Read from each provider’s own pages for this corridor and last reviewed September 2026. Where a provider’s own sources disagree, the disagreement is printed rather than resolved.
Independent — providers cannot pay for placement or ranking · Consistent — every checked amount measured on the same corridor at the same send amount, and any fee quoted on a different basis says so on its own row · Transparent — the advertised fee kept separate from the rate margin
How much you send changes which provider is cheapest
A transfer costs two things: a fee you can see, and a cut of the exchange rate you cannot. They scale in opposite directions, so the best provider for NZ$200 to the Philippines is often not the best provider for NZ$5,000.
The flat fee is most of what you pay
On a small transfer a NZ$5 fee is a real percentage of the money. A rate margin of half a percent on NZ$200 is one dollar — small enough to ignore. Sort by the fee and take the lowest one you trust.
The exchange rate is most of what you pay
The fee stops mattering and the rate takes over. Half a percent on NZ$5,000 is NZ$25 — five times a typical fee, and no provider calls it a charge. A zero-fee offer on a large transfer is the one most worth checking.
NZD to PHP at common amounts
| You send | Mid-market value | Load into calculator |
|---|---|---|
| NZ$100.00 | ₱3,584 | |
| NZ$250.00 | ₱8,959 | |
| NZ$500.00 | ₱17,918 | |
| NZ$1,000 | ₱35,837 | |
| NZ$2,500 | ₱89,592 | |
| NZ$5,000 | ₱179,183 |
Pick a row to load that amount into the calculator at the top of the page. These are mid-market values, not provider quotes — every service pays your recipient somewhat less, so use them as the figure to measure an offer against.
What is the fastest way to send money to Philippines?
Western Union quotes the fastest delivery on this corridor at minutes. Published speeds describe the fastest route a provider offers, not every route: paying by card and sending to a wallet is usually near-instant, while a bank transfer funded by direct debit takes longer whoever you send with.
Philippines at a glance
- Currency
- PHP · Philippine peso
- Payout methods
- Bank deposit · Cash pickup · Mobile wallet
- Typical delivery
- Minutes to minutes to days
- Cash pickup
- Available from 2 of 3 providers
- 1 of the 3 providers can deliver within minutes, including Western Union.
- Cash pickup is available through Remitly and Western Union — no bank account needed.
Before you send to Philippines
- This corridor is unusually well served — four rails at Remitly, three at Western Union — so reachability barely constrains the choice and the cost is the real decision. At about 6.35 NZD on 1,000 NZD, Wise is roughly a tenth of what the same provider charges on New Zealand to Samoa.
- GCash is the wallet most Filipinos use and both Remitly and Western Union reach it, along with Maya. Wise pays into a bank account.
- Remitly is the only service here offering home delivery, which still matters outside the cities.
What it costs to send money to Philippines
Sending money from New Zealand to the Philippines converts New Zealand dollars (NZD) into Philippine pesos (PHP). Most of the real cost is not the headline fee — it is the exchange-rate margin, the gap between your quoted rate and the mid-market rate banks use between themselves. Two providers can both advertise "no fees" and still differ by several percent on what actually arrives.
GCash has become the default way to receive remittances in the Philippines, with instant delivery to a mobile number.
That is why the comparison above leads with how your recipient can be paid rather than with a headline price: match the service to how they actually want the money, then check the final quote.
How to choose the right provider
Compare the amount received, not the fee
Enter the same amount with two or three providers and compare what your recipient in the Philippines actually receives in Philippine pesos. That one number folds the fee and the rate margin together.
Match the payout method to your recipient
In the Philippines the common rails are GCash and Maya wallets, bank deposit and cash pickup. A slightly pricier provider paying into the wallet or account they already use beats a cheaper one that means a trip to an agent.
Pay more for speed only when you need it
Western Union can deliver within minutes, but express usually costs more in fee or margin. If it is not urgent, the economy option on the same platform is often meaningfully cheaper.
Check cash pickup coverage before you send
Remitly and Western Union offer cash pickup in the Philippines. Check the specific branch is open and stocked before sending, especially outside major cities.
Verify the provider is licensed
Any service moving money out of New Zealand should be registered with the Financial Markets Authority. Everyone we list is — worth checking for any service you find elsewhere.
Frequently Asked Questions
Sending to Philippines from somewhere else
All routes to Philippines →
Before you send
Ready to compare your transfer?
See rates, fees and delivery options for 3 services side by side.