Send Money from Switzerland 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 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. Western Union and MoneyGram 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 CHF 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 Switzerland under FINMA, 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 CHF10,000, a specialist foreign-exchange broker will often beat an app on rate.

Remitly does not operate from Switzerland. Its Swiss market root and every Swiss corridor address tested return a 404 in both English and German, despite the Philippines being one of its strongest corridors from other origins. If you already use that service, you will need an alternative from the comparison table above for this corridor.

This corridor's card figures are deliberately absent. Wise's credit card row read 72.19 CHF in September 2026 and 82.72 CHF in October 2026 on the same 2,000 CHF, and its debit card row disagreed between two reads in September, while the balance, bank transfer, Apple Pay and Google Pay rows held steady. A figure that does not hold still is not published here. Mobile wallet payout in the Philippines can attract cash-out charges applied by the wallet operator, not by the transfer service. Those sit outside every comparison including this one, so ask the recipient what their wallet deducts before choosing the rail over a bank deposit. The Philippines is one of the largest remittance-receiving countries in the world, and the corridor is well supplied from Switzerland — three services, all of them offering cash. That competition is the reason to compare rather than a reason to skip it. Wise's Swiss pages quote at 2,000 CHF, not the 1,000 used on most of its other markets. Read the percentage, not the franc figure, when comparing this hub to the others.