GBP → PHP
Send money from the UK to Philippines
Eight reviewed providers, compared on the transfer fee and exchange-rate margin each one publishes. The final amount your recipient receives depends on both, so the table below shows the amount received rather than the advertised fee alone.
Read our guide to sending money to PhilippinesMid-market benchmark
1 GBP = 83.0752 PHP
Source: CurrencyAPI. Observation: . This is not a provider quote.
Before costs: 83,075.17 PHP
Compare providers for GBP to PHP
Each row below uses the transfer fee and exchange-rate margin the provider itself publishes, recorded in our review of that provider. Margins are published as ranges, so the amount received is shown as a range. Providers state that the margin narrows as the transfer size rises, which puts large transfers toward the low end of each range and small transfers toward the high end. None of these figures is a quote: only the provider can quote you, and the rate it quotes expires.
| Provider | Transfer fee | Published rate margin | Indicative PHP received | Stated speed | Trustpilot | Links |
|---|---|---|---|---|---|---|
| XEScore 85/100 · min $1 · 139 currencies | None | 0.1%–0.6% | 82,576.72–82,992.10Total cost 0.1%–0.6% of the 83,075 PHP benchmark | 24-48 hours | 4.4/586,676 reviews | Read reviewCheck your quote |
| Clear CurrencyScore 82/100 · min Not publicly specified · 35 currencies | None | 0.2%–0.6% | 82,576.72–82,909.02Total cost 0.2%–0.6% of the 83,075 PHP benchmark | Same day for major currencies | 4.9/5355 reviews | Read reviewCheck your quote |
| WiseScore 95/100 · min £1 · 50+ currencies | From 0.41% | 0% | 82,501.95–82,734.56Total cost 0.41%–0.69% of the 83,075 PHP benchmark | Minutes to hours | 4.3/5299,693 reviews | Read reviewCheck your quote |
| Currencies DirectScore 94/100 · min £100 · 48 currencies | None | 0.2%–1.5% | 81,829.04–82,909.02Total cost 0.2%–1.5% of the 83,075 PHP benchmark | 1-4 business days | 4.9/519,764 reviews | Read reviewCheck your quote |
| Key CurrencyScore 86/100 · min £500 · 30+ currencies | None | 0.3%–1.5% | 81,829.04–82,825.94Total cost 0.3%–1.5% of the 83,075 PHP benchmark | 1-2 business days | 4.9/53,844 reviews | Read reviewCheck your quote |
| OFXScore 83/100 · min $1,000 USD · 50+ currencies | None | 0.4%–2% | 81,413.67–82,742.87Total cost 0.4%–2% of the 83,075 PHP benchmark | 1-4 business days | 4.2/511,439 reviews | Read reviewCheck your quote |
| TorFXScore 88/100 · min £100 · 40+ currencies | None | 0.5%–2% | 81,413.67–82,659.79Total cost 0.5%–2% of the 83,075 PHP benchmark | Same day for major currencies | 4.9/510,180 reviews | Read reviewCheck your quote |
| MoneycorpScore 84/100 · min £50 · 120+ currencies | £0-20 | 0.5%–2.5% | 79,378.33–82,659.79Total cost 0.5%–4.45% of the 83,075 PHP benchmark | 1-3 business days | 4.7/57,024 reviews | Read reviewCheck your quote |
Ranges overlap, so the order above does not mean one provider will beat another on your transfer. Availability, minimum amounts, payment methods and delivery times must be confirmed for your amount and country of residence; currency selection does not establish eligibility. Intermediary and receiving-bank charges are excluded because they are set by the banks in the payment chain, not by the provider.
We may receive compensation from featured providers. How we get paid.
How the figures above are calculated
Each provider’s fee is deducted from your 1,000 GBP budget, and the balance is converted at the benchmark rate reduced by that provider’s published margin:
(budget − fee) × benchmark rate × (1 − margin ÷ 100)
The low end of each range uses the narrowest margin and lowest fee the provider publishes; the high end uses the widest margin and highest fee. Intermediary and receiving-bank charges are excluded. A quote should state whether those charges apply and who pays them.
Why fee structure matters more on small transfers
A flat fee is a fixed amount whatever you send, so it takes a larger share of a small transfer than a large one. A percentage fee and a rate margin both scale with the amount, so their share stays constant. Changing the budget in the box above recalculates every row and shows the effect directly.
The rate margin is the cost most often overlooked, because it is not itemised anywhere: it shows up only as a smaller PHP figure at the end. Comparing the amount received, rather than the advertised fee, is the only way to see the whole cost.
Read our guide to the hidden cost of sending money abroadWhat to compare in your quotes
- The total GBP debited, including any separately charged fee.
- The final PHP amount received and any possible deductions on arrival.
- The rate expiry time and the payment method used to fund the transfer.
- Estimated delivery after identity checks and cleared funds, including weekends and holidays.
Check the provider and its protections
Check the legal entity and its permissions with the relevant regulator in your country. For UK services, check the FCA Register. UK authorised payment institutions and e-money institutions must safeguard eligible customer funds. Safeguarding differs from FSCS deposit protection: recovery after a failure can take time and may be reduced by insolvency costs.
Source: FCA guidance on payment service providers. For destination requirements, use the Philippines guide.