TorFX
The most money arrives: ₱140,395.47, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: ₱140,395.47.
Lowest upfront fee (No fee) — the exchange rate still decides what arrives.
Transfer comparison
Compare today's fees, exchange rates, delivery times and recipient amounts across 6 providers.
Rates updated 9 hours ago
Ranked by what your recipient actually gets.
| Provider | Recipient gets | Fee | Rate | Delivery | Best for | |
|---|---|---|---|---|---|---|
|
|
₱140,395.47 | No fee | 70.1977 | Minutes to 2 days | Most money received Best for Bank deposit | Send with TorFX (opens in a new tab) |
|
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₱139,973.44 ₱422 less | No fee | 69.9867 | 1–3 business | Bank deposit | Send with OFX (opens in a new tab) |
|
|
₱139,867.94 ₱528 less | €11.50 | 70.3384 | Seconds to 2 business days | Fastest delivery | Send with Wise (opens in a new tab) |
|
|
₱139,412.56 ₱983 less | €1.99 | 69.7757 | Minutes to 3 days | Best for Mobile money Best for Cash pickup | Send with WorldRemit (opens in a new tab) |
|
|
₱139,270.06 ₱1,125 less | No fee | 69.6350 | Minutes to 1 business day | Bank deposit · Cash pickup · Mobile money | Send with Western Union (opens in a new tab) |
|
|
₱138,992.21 ₱1,403 less | €3.99 | 69.6350 | Minutes (Express) / 1–3 days (Economy) | Bank deposit · Cash pickup · Mobile money | Send with Remitly (opens in a new tab) |
Amounts are estimates based on the mid-market reference rate and each provider's published or typical pricing. The final amount is confirmed by the provider at checkout.
The most money arrives: ₱140,395.47, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: ₱140,395.47.
Lowest upfront fee (No fee) — the exchange rate still decides what arrives.
Quickest to arrive: Seconds to 2 business days.
Pays the most to Mobile money: ₱139,412.56.
Pays the most to Cash pickup: ₱139,412.56.
Pays the most to Digital wallet: ₱139,412.56.
"Best overall" means the most money reaches your recipient after the transfer fee and the exchange-rate margin. Commission and sponsorship never change the order. Some figures are estimates — confirm the final amount on the provider's screen.
After fees and exchange-rate costs, your recipient gets about ₱140,395
Choosing TorFX over Remitly puts ₱1,403 more in your recipient's hands on this transfer.
Where your money goes with TorFX
Rate offered: 1 EUR = 70.1977 PHP. Mid-market: 70.3384.
Every transfer has two costs: the fee you see up front, and the exchange-rate margin — the gap between the rate you get and the mid-market rate. Add them together and you have the true price.
OFX charges no transfer fee — yet its exchange rate leaves your recipient ₱422 less than TorFX. A $0 fee is not the same as the cheapest transfer.
Only methods offered by the providers above.
3 providers
6 providers
3 providers
1 provider
Compare the options above and pick the one that fits your priority. For the most money arriving, that's TorFX today (₱140,395).
Enter €2,000 as the amount you send and add your recipient's details exactly as they appear on their ID or account.
Select Mobile money, Bank deposit, Cash pickup, Digital wallet — whichever your recipient can use.
Check the final amount on the provider's confirmation screen, pay, then track the transfer until it arrives.
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Today the total cost — transfer fee plus exchange-rate margin — ranges from €4.00 with TorFX to €23.95 with Remitly across the 6 providers we compare.
TorFX is the cheapest overall today: your recipient gets ₱140,395.47 after a No fee fee. That counts the exchange rate as well as the fee, so it can differ from the provider with the lowest advertised fee.
Between ₱138,992 and ₱140,395 depending on the provider, at today's rates. At the mid-market rate with no costs at all, €2,000 would be ₱140,677.
Wise is the quickest, delivering seconds to 2 business days. Bank deposits can take longer than mobile money or cash pickup, and a first transfer may be held for identity checks.
Yes. 3 providers pay out to Mobile money, including WorldRemit, Western Union, Remitly. WorldRemit pays the most: ₱139,412.56. Mobile money accounts have transaction and daily limits set by the operator, so check them before sending a large amount.
TorFX gives your recipient ₱422 more than OFX today (₱140,395.47 against ₱139,973.44). Rates change, so compare again on the day you send.
Yes. 6 providers we compare deposit into bank accounts in Philippines. TorFX pays the most: ₱140,395.47. Bank deposits are often slower than mobile money.
6 of the providers we compare accept €2,000 on this route. These can't: XE (Minimum transfer is €3,000.00). Larger transfers can also trigger extra identity or source-of-funds checks.