Best SGD to PHP Transfer Rates and Fees

Compare current provider estimates for sending money from Singapore to Philippines

8 provider estimates available for this corridor

Strongest Standard recipient estimate

SGD1,000 SGD = 47,556.6 PHP

via Panda Remit

Provider eligibility, payout method, and checkout timing can change the final quote.

SGD

PHP

Transfer Amount

SGD

SGD100SGD50,000

Sending

SGD1,000 SGD

Current comparison

SGD1,000 SGD to PHP

Change

SGD

PHP

Transfer Amount

SGD

SGD100SGD50,000

Sending

SGD1,000 SGD

SGD to PHP Provider Rate Comparison

Showing 8 provider estimates for sending SGD1,000 SGD. Confirm fees and payout method at provider checkout.

Current Estimates·Updated 17 Jul 2026

Why do rates differ? Each provider sets their own markup, fees, payout rails, and promo rules. The "You receive" column is the quickest way to compare the real cost after fees.

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New User rates are shown first when available. Standard rates compare repeat-user pricing.

TOP

Panda Remit

Best Standard rate

Recipient Gets

47,556.6PHP

Best New User rate

Rate

47.56

Fee

FREE

You Send

SGD 1,000

Go to Panda Remit

Wise

#2 estimate

Recipient Gets

47,475.4PHP

vs top

-81.2

Rate

47.73

Fee

SGD 5.43

You Send

SGD 1,000

Go to Wise

Western Union

#3 estimate

Recipient Gets

47,437.43PHP

vs top

-119.17

Rate

47.44

Fee

SGD 3.00

You Send

SGD 1,000

Go to Western Union

Remitly

Best New User rate

Recipient Gets

47,370PHP

vs top

-186.6

Rate

47.58

Fee

FREE

You Send

SGD 1,000

Standard users get46,553.507 PHP

Go to Remitly

CurrencyFair

Recipient Gets

47,320PHP

vs top

-236.6

Rate

47.40

Fee

SGD 1.69

You Send

SGD 1,000

Go to CurrencyFair

XE Money Transfer

Recipient Gets

47,232.3PHP

vs top

-324.3

Rate

47.23

Fee

FREE

You Send

SGD 1,000

Go to XE Money Transfer

OFX

Recipient Gets

45,658.5PHP

vs top

-1,898.1

Rate

45.66

Fee

FREE

You Send

SGD 1,000

Go to OFX

Paysend

Recipient Gets

9,122.95PHP

vs top

-38,433.65

Rate

9.12

Fee

SGD 4.90

You Send

SGD 1,000

Go to Paysend

Provider	Exchange Rate	Fee	You Send	Recipient Gets	Action
Panda Remit Best New User rate Best Standard rate	47.56	FREE	SGD 1,000	47,556.6 PHP	Go to Panda Remit
2 Wise	47.73	SGD 5.43	SGD 1,000	47,475.4 PHP 81.2 less	Go to Wise
3 Western Union	47.44	SGD 3.00	SGD 1,000	47,437.43 PHP 119.17 less	Go to Western Union
4 Remitly Best New User rate	47.58 46.74	FREE SGD 3.99	SGD 1,000	47,370 PHP 46,553.507 PHP 186.6 less	Go to Remitly
5 CurrencyFair	47.40	SGD 1.69	SGD 1,000	47,320 PHP 236.6 less	Go to CurrencyFair
6 XE Money Transfer	47.23	FREE	SGD 1,000	47,232.3 PHP 324.3 less	Go to XE Money Transfer
7 OFX	45.66	FREE	SGD 1,000	45,658.5 PHP 1,898.1 less	Go to OFX
8 Paysend	9.12	SGD 4.90	SGD 1,000	9,122.95 PHP 38,433.65 less	Go to Paysend

Keep watching SGD to PHP

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Keep the route research short

Use the comparison first. Open the sections below only if you still need timing, safety, or route guidance before you send.

Timing and rate context

Use Rate Pulse to spot recent corridor movement, then set an alert if timing matters more than immediate delivery.

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How to send this route

1. Compare your exact send amount before you shortlist a provider.
2. Check payout method, delivery speed, and total recipient amount.
3. Complete ID verification before you need the transfer urgently.
4. Confirm the final quote on provider checkout before sending.

Safety checks

Strong providers still vary by corridor, amount, and payout method. Use our policy pages to understand how results are gathered and ranked.

Methodology Editorial standards

How Much to Send for Exact PHP Amount?

Recipient Gets Exactly...

Enter how much your recipient needs in PHP. We'll show how much you need to send.

₱PHP

Remitly

Cheapest New User

SGD1,008.83

You send (SGD)

Panda Remit

SGD1,009.32

You send (SGD)

Wise

SGD1,010.99

You send (SGD)

CurrencyFair

SGD1,014.35

You send (SGD)

Western Union

SGD1,014.86

You send (SGD)

XE Money Transfer

SGD1,016.25

You send (SGD)

OFX

SGD1,051.28

You send (SGD)

Paysend

SGD5,266.36

You send (SGD)

Save SGD4,257.53 by choosing Remitly over Paysend

How to Send Money from SGD to PHP

1. Compare Current Options

Use our comparison tool above to review available SGD to PHP quotes from Wise, Remitly, WorldRemit, Western Union, Sendwave and more. Enter your exact amount to estimate what your recipient may get.

2. Choose Your Provider

Select based on rate, fees, and transfer speed. Popular choices for SGD to PHP transfers include Wise, Remitly, WorldRemit. First-time users often get promotional rates.

3. Sign Up & Verify

Create an account with your chosen provider. You'll need government-issued ID for verification. This one-time process typically takes 5-10 minutes and ensures secure transfers to Philippines.

4. Send Money

Enter recipient details and pay via bank transfer, debit or credit card. Bank transfers offer better rates, while cards are faster. Most SGD to PHP transfers arrive within 1-3 business days.

Market Analysis: SGD/PHP Exchange Rate

The SGD to PHP exchange rate is influenced by economic factors in both Singapore and Philippines. Key factors include central bank interest rates, inflation levels, trade balances, and political stability.

Remittances from Singapore to Philippines form a significant portion of Philippines's economy. Online providers may be cheaper than some banks on this route, but savings depend on the provider quote, fees, funding method, and payout option.

Tips to Get the Best SGD to PHP Rate

Compare rates from multiple providers, differences can be significant for SGD to PHP transfers.

Use bank transfer instead of debit/credit cards when the final quote is better for larger amounts.

Avoid airport currency exchange counters unless you have compared the final rate and fee against online options.

Set up rate alerts to get notified when SGD/PHP rate improves.

First-time transfer limits are often lower, consider this when choosing a provider.

Read reviews about transfer speed to Philippines for your chosen provider.

SGD to PHP Transfer Speed Comparison

Payment Method	Transfer Speed	Best For
Debit Card	Minutes to 24 hours	Urgent transfers, small amounts
Credit Card	Minutes to 24 hours	Emergency transfers (higher fees)
Bank Transfer	1-3 business days	Large amounts, best rates
First-time Transfer	+1-2 days (verification)	Add time for identity verification

Note: Transfer speeds vary by provider. Check the comparison table above for specific delivery times to Philippines.

Safety & Regulation for SGD to PHP Transfers

Regulatory Compliance

All money transfer providers on our site are regulated by financial authorities.These regulations ensure your money is protected and transfers are secure.

Security Measures

Reputable providers use encryption, two-factor authentication, and fraud monitoring systems. Safeguarding, refund rights, and support processes vary by provider and jurisdiction, so confirm the terms before sending. Never share your password or verification codes with anyone, including provider staff.

Consumer Protection

If something goes wrong, regulated providers must follow complaint procedures and may be covered by financial protection schemes. Keep records of all transfers, including confirmation emails and reference numbers. Most disputes are resolved within 15 business days when proper documentation is provided.

Business Transfers: SGD to PHP

Sending SGD to PHP for your business? These providers offer business accounts with features like batch payments, API access, multi-currency accounts, and competitive FX rates for higher volumes.

Remitly

Personal & Business

Batch Payments

API

$0 - $4.99 · Minutes to 3-5 days · 170+ countries

Review Visit Site

XE Money Transfer

Personal & Business

Batch Payments

FX Hedging

No transfer fees (rate margin applies) · 1-4 business days · 130+ countries

Review Visit Site

OFX

Personal & Business

Batch Payments

API

FX Hedging

No transfer fees (rate margin applies) · 1-5 business days · 170+ countries

Review Visit Site

Airwallex

Business Only

Batch Payments

API

Multi-Currency

FX Hedging

UK FX: 0.5% major / 1% other currencies · Depends on route and payment rail · 120+ countries

Review Visit Site

Compare all business payment providers

SGD/PHP & Forex News

View all

FXStreet

39 minutes ago

Silver Price Forecast: XAG/USD falls to near $55.50 amid interest rate concerns

Silver price (XAG/USD) remains subdued for the third successive day, trading around $55.50 per troy ounce during the Asian hours on Thursday. Silver is on track to drop over 7% this week as escalating Middle East tensions drive oil prices up.

Read full article

FXStreet

about 1 hour ago

US President Donald Trump begins widely anticipated address to the nation

US President Donald Trump is delivering a primetime address to the nation from the White House on Friday.

Read full article

FXStreet

about 1 hour ago

PBOC sets USD/CNY reference rate at 6.7934 vs. 6.7909 previous

On Friday, the People’s Bank of China (PBOC) sets the USD/CNY central rate for the trading session ahead at 6.7934 compared to the previous day's fix of 6.7909 and 6.7734 Reuters estimate.

Read full article

Frequently Asked Questions: SGD to PHP

What is the best SGD to PHP exchange rate today?

The strongest SGD to PHP recipient amount varies by provider, amount, payout method, and timing. Use the comparison table above to review current provider estimates, then confirm the final checkout quote before sending.

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How much does it cost to send money from Singapore to Philippines?

The total cost usually includes the exchange-rate margin and any transfer fee. The comparison table estimates recipient amounts for the selected route and amount where providers return quotes; confirm the final amount at provider checkout.

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Which is the cheapest way to send SGD to PHP?

The cheapest route depends on amount, funding method, payout method, provider eligibility, and exchange-rate margin. Compare current recipient estimates first, then check provider checkout terms before choosing.

Was this answer helpful?

How long does a SGD to PHP transfer take?

Use the delivery estimate for the exact provider, funding method, and payout method. Funding clearance, identity or source-of-funds checks, processing cut-offs, weekends, holidays, recipient details, and local payout steps can all affect timing. Confirm the estimate at checkout and use the provider's transfer status after sending.

Was this answer helpful?

Is it safe to send money from Singapore to Philippines online?

Provider regulation varies by entity and country. We aim to list established services and surface known regulator references where available, but you should verify the provider licence, jurisdiction, payout method, and final checkout terms for your route.

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Why might a provider not appear for SGD to PHP?

The provider may not support the selected route, amount, funding method, or payout method, or it may not have returned a usable estimate. Try the exact transfer details you intend to use and confirm route availability with the provider if it is not shown.

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What information do I need to send SGD to PHP?

A provider will normally ask for the recipient's name and the details required by the selected payout method, such as bank-account, wallet, or cash-pickup information. It may also request sender identification or information about the transfer. Follow the provider's current checkout requirements and confirm recipient details before paying.

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Can I cancel a SGD to PHP transfer?

Cancellation depends on the provider's terms and the current transfer stage. Check the transfer screen and contact the provider promptly with the reference number. CompareRemittanceRates does not process the transfer and cannot cancel or refund it.

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Why do SGD to PHP rates change?

Currency-market prices and provider pricing can change between the comparison and checkout. The amount, funding method, payout method, and promotion eligibility can also change the customer quote. Treat comparison data as an estimate and confirm the final rate and recipient amount before sending.

Was this answer helpful?

What's the difference between the mid-market rate and the rate I get?

The mid-market rate is a benchmark based on the midpoint between market buy and sell prices. A customer quote can include an exchange-rate margin, transfer fee, funding cost, or payout-method effect. Compare the estimated recipient amount and verify the complete provider quote before sending.

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Related Currency Routes

Compare rates for other popular money transfer corridors. Find the best exchange rates for sending money internationally.

Other Ways to Send to Philippines

USD to PHPfrom United States

GBP to PHPfrom United Kingdom

CAD to PHPfrom Canada

AUD to PHPfrom Australia

EUR to PHPfrom Eurozone

AED to PHPfrom United Arab Emirates

View all routes to Philippines

Other Destinations from Singapore

SGD to INRto India

SGD to IDRto Indonesia

SGD to THBto Thailand

SGD to PKRto Pakistan

SGD to BDTto Bangladesh

SGD to NPRto Nepal

Most Popular Money Transfer Routes

These are the most searched currency exchange corridors. Open a route to request current quote estimates from listed providers like Wise, Remitly, and WorldRemit.

GBPINR USDINR USDPHP GBPPKR USDPKR

SGD to PHP Guides & Tips

Currency Guides

Best Ways to Send Money to the Philippines 2026: Providers & Fees

Compare supported providers for Philippines transfers, including bank, wallet, and cash pickup options. Check current USD/GBP to PHP estimates before checkout.

Read guide →

Ready to Send SGD to PHP?

Review current quotes above and choose the provider that fits your transfer. Most transfers complete within 1-3 business days.

Compare All SGD to PHP Providers