Sending €1,000 to the Philippines
At €1,000 the arithmetic has flipped relative to a small transfer. A flat €3 fee is 0.3% of the amount and barely moves the ranking; a 3% exchange-rate margin is €30, ten times larger, and it is invisible unless you compare the rate against the mid-market reference shown below the table.
This is the amount where "we charge no transfer fee" is most likely to be the more expensive option, and where the peso column and the mid-market line are worth reading together.
Live comparison for €1,000
| Provider | Rate | Fee | Recipient gets |
|---|---|---|---|
| CurrencyFair | 70.1600 | €0.01 | ₱70,159 |
| WorldRemit | 70.1223 | €0.00 | ₱70,122 |
| Instarem | 70.1071 | €0.00 | ₱70,107 |
| Moneygram | 70.1589 | €0.90 | ₱70,096 |
| Wise | 70.6200 | €8.12 | ₱70,047 |
| Taptap Send | 70.0000 | €0.00 | ₱70,000 |
| TransferGo | 69.9236 | €0.00 | ₱69,924 |
| Sendwave | 69.8925 | €0.99 | ₱69,823 |
Snapshot for €1,000, 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
Why is the fee almost irrelevant at €1,000?
Because it stops scaling. Most providers charge a flat amount or a small percentage that is capped in practice, so the fee stays near the same few euros whether you send €200 or €1,000. The exchange-rate margin, by contrast, is a percentage of everything you send — which is why it overtakes the fee somewhere between €300 and €500 and never gives the lead back.
Will I need extra verification for €1,000?
Usually not on a first transfer of this size — most providers verify identity at sign-up regardless of amount, and their enhanced-checks thresholds sit higher. What can trigger extra checks is a pattern rather than a single transfer: several transfers in quick succession, or a first transfer that is far larger than the account's history.
Is it cheaper to send €1,000 once or €500 twice?
Once, in almost every case: you pay one fee instead of two, and the exchange-rate margin is the same percentage either way. Splitting only helps if you are chasing a promotional rate that applies per transfer or has a cap — check the promo's conditions before assuming the split wins.
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.