Send Money to Philippines from Canada

Save when you send money to Philippines from Canada

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?

Sending 1,000 CAD with	Recipient gets(Total after fees)
	40,540 PHP
Transfer fee 0 CAD Exchange rate(1 CAD PHP) 40.5400 Exchange rate markup 9.02 CAD Cost of transfer 9.02 CAD

	40,514.74 PHP- 25.26 PHP
Transfer fee 9.64 CAD Exchange rate(1 CAD PHP) 40.9091 Exchange rate markup 0 CAD Cost of transfer 9.64 CAD

	39,123.60 PHP- 1,416.40 PHP
Transfer fee 0 CAD Exchange rate(1 CAD PHP) 39.1236 Exchange rate markup 43.65 CAD Cost of transfer 43.65 CAD

	38,770.41 PHP- 1,769.59 PHP
Transfer fee 4.99 CAD Exchange rate(1 CAD PHP) 38.9648 Exchange rate markup 47.53 CAD Cost of transfer 52.52 CAD

	38,715.01 PHP- 1,824.99 PHP
Transfer fee 25 CAD Exchange rate(1 CAD PHP) 39.7077 Exchange rate markup 29.37 CAD Cost of transfer 54.37 CAD

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How to send money to Philippines from Canada in 3 easy steps

Enter amount to send in CAD.

Pay in CAD with your debit card or credit card, or send the money from your online banking.

Choose recipient in Philippines.

Select who you want to send money to and which pay-out method to use.

Send CAD, receive PHP.

The recipient gets money in PHP directly from Wise’s local bank account.

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What you’ll need for your online money transfer to Philippines from Canada

1

Register for free.

Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.

2

Choose an amount to send.

Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.

3

Add recipient’s bank details.

Fill in the details of your recipient’s bank account.

4

Verify your identity.

For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.

5

Pay for your transfer.

Send your money from Direct debit, wire transfer, Bill payment, or a debit or credit card.

6

That’s it.

We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.

How much does it cost to transfer money to Philippines from Canada?

Pay a small, flat fee and percentage

To send money in CAD to Philippines from Canada, you pay a small, flat fee of 2.40 CAD + 0.73% of the amount that's converted (you'll always see the total cost upfront).

Fee depends on your chosen transfer type

Some transfer types have different fees which are usually tiny.

No hidden fees

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Fees for our low cost transfers

Fixed fee

2.40 CAD

Variable feeup to 36,131.20 CAD/month

0.73%

Variable feemore than 36,131.20 CAD/month

Discount applies

How long will a money transfer to Philippines from Canada take?

A money transfer from Canada (CAD) to Philippines (PHP) should arrive by Thursday, 26 December. Sometimes transfer times can differ based on payment methods or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route

CAD

PHP

Should arrive

by Thursday, 26 December

Best ways to send money to Philippines from Canada

Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.

Protecting you and your money

Safeguarded with leading banks

We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.

Send money to Philippines from Canada with the Wise app

Looking for an app to send money to Philippines from Canada? Sending money is easy with Wise app.

Cheaper transfers abroad - free from hidden fees and exchange rate markups.
Check exchange rates - see on the app how exchange rates have changed over time.
Repeat your previous transfers - save the details, and make your monthly payments easier.

Learn more about the Wise app