Send Money from Norway 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, Maya, bank deposit, cash pickup, mobile wallet 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 NOK 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 Norway under Finanstilsynet, 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 kr10,000, a specialist foreign-exchange broker will often beat an app on rate.

Wise's own table puts an ordinary bank transfer below funding from a Wise balance on this corridor — and on every other Norwegian corridor on this site. Money already sitting inside the service costs more to send than money coming in from outside it, which is the reverse of the provider's usual advice. On this hub it is not a corridor quirk; it held on all four routes read. Wise's credit card figure is not quoted here. Two independent reads of the page on the same day returned 193.44 NOK and 226.83 NOK. Its debit card row held at 71.90 NOK across both reads and is published — the card rows are checked individually rather than withheld as a pair. Remitly's promotional rate covers the first 15,000 NOK here, against 10,000 on this hub's Poland and Pakistan pages and 5,000 on its Norway-to-Somalia page. The offer text reads much the same on all of them; the cap does not. Wise quotes its Norwegian tables at 8,000 NOK, not the 1,000 of the local unit it uses on most markets. That is roughly 680 euro, so a krone figure here cannot be read against a euro or pound figure elsewhere on this site without converting first. Read the percentage. Mobile wallet payout in the Philippines can attract cash-out charges applied by the wallet operator rather than the transfer service. Those sit outside every comparison including this one, so ask your recipient what their wallet deducts before choosing it over a bank deposit.