Sending €500 to the Philippines
€500 is where the two costs of a transfer are roughly balanced: a typical flat fee is around 1% of the amount, and a typical exchange-rate margin is a similar size. Neither one dominates, which means the cheapest provider at €500 is decided by the combination — and a company that advertises the lower fee can still deliver fewer pesos.
The snapshot below is taken live at €500 and sorted by what actually lands in the recipient's account, so the fee and the rate are already reconciled into one comparable number.
Live comparison for €500
| Provider | Rate | Fee | Recipient gets |
|---|---|---|---|
| CurrencyFair | 70.1600 | €0.01 | ₱35,079 |
| WorldRemit | 70.1223 | €0.00 | ₱35,061 |
| Instarem | 70.1071 | €0.00 | ₱35,054 |
| Moneygram | 70.1589 | €0.90 | ₱35,016 |
| Taptap Send | 70.0000 | €0.00 | ₱35,000 |
| Wise | 70.6200 | €4.54 | ₱34,989 |
| TransferGo | 69.9236 | €0.00 | ₱34,962 |
| Sendwave | 69.8925 | €0.99 | ₱34,877 |
Snapshot for €500, 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
How many pesos is €500?
That depends on which rate you get, which is the point of the table above. The mid-market rate — the one banks trade at, with no margin — is shown as the reference line under the comparison. Most providers quote below it, and that gap is their margin; it is usually a bigger number than their fee. A promotional rate can briefly sit above the line, which is worth checking the conditions on before assuming it will still be there next month.
Why do two providers show a different peso amount for the same €500?
Because they charge in two different places. One takes a visible fee and quotes near the mid-market rate; another advertises "no fee" and quotes a rate three or four percent below mid-market. Both are legal and both are common — the recipient's peso total is the only figure that sees through the difference.
How long does a €500 transfer to the Philippines take?
Bank deposits typically arrive within a few hours to one business day. GCash and Maya payouts are often near-instant once the sender's payment clears. Cash pickup is usually available within minutes of funding. The amount does not change the speed; the payment method and the time of day do.
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.