Sending €100 to the Philippines
€100 is the amount where the advertised fee matters most and the exchange rate matters least. A flat €2.99 fee is 3% of a €100 transfer; the difference between a good and a bad exchange rate on the same €100 is usually well under 1%. So the provider that wins here is often not the one that wins at €1,000.
The table below is a live snapshot taken at exactly €100, not a €1,000 comparison scaled down — which is the only way the fee's real weight shows up.
Live comparison for €100
| Provider | Rate | Fee | Recipient gets |
|---|---|---|---|
| Instarem | 70.2129 | €0.00 | ₱7,021 |
| CurrencyFair | 70.1600 | €0.01 | ₱7,015 |
| WorldRemit | 70.1223 | €0.00 | ₱7,012 |
| Taptap Send | 70.0000 | €0.00 | ₱7,000 |
| TransferGo | 69.7826 | €0.00 | ₱6,978 |
| Moneygram | 70.1589 | €0.90 | ₱6,953 |
| Wise | 70.6200 | €1.68 | ₱6,943 |
| Sendwave | 69.8925 | €0.99 | ₱6,920 |
Snapshot for €100, refreshed hourly. Sorted by what the recipient receives, which already accounts for both the fee and the exchange rate.
Mid-market reference: ₱70.6200 per €1, as of 2026-07-30 12:05 UTC. The distance between a provider's rate and this line is its margin.
Frequently asked questions
Is €100 too small to be worth comparing?
It's the size where comparing pays off most, proportionally. A €3 difference on €100 is the same 3% you would fight over on a €1,000 transfer, and small transfers are usually the ones people repeat monthly — so the gap compounds faster than it does for someone sending once a year.
Are there providers with no fee at €100?
Some providers advertise zero fee at small amounts and recover the cost in the exchange rate instead. That's why the table's last column is what the recipient actually receives in pesos: it's the only figure that already accounts for both the fee and the rate, so a hidden margin can't be presented as free.
Is there a minimum amount for sending to the Philippines?
Most providers in this comparison accept transfers well below €100 — minimums are typically €1 to €10 rather than a meaningful barrier. The practical floor is the fee: below about €50, a flat fee starts costing more than the convenience is worth unless the provider waives it.
Does SulitSend charge anything to use this comparison?
No — SulitSend is free to use. Some providers pay us a referral commission if you sign up through our links, but you pay the same price either way, and commission is never an input to the ranking.