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International money transfers

Join over 12.8 million people who choose Wise for fast and secure online money transfers. Save up to 3x when sending money abroad.

Millions of happy customers
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Is Wise safe?
Yes, here’s why
 Rate guaranteed (136h)
  • Domestic wire transfer fee

    0.31 CAD

  • Our fee

    288.28 CAD


Total included fees (0.72%)

288.59 CAD

  • You could save up to 1,196.35 CAD

Should arrive by January 3, 2025

Save on exchange rate markups

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 withRecipient gets(Total after fees)
Remitly
40,387.88 PHP
Transfer fee
0 CAD
Exchange rate(1 CAD PHP)
40.3879
Exchange rate markup
8.64 CAD

Cost of transfer
8.64 CAD

Wise
40,346.97 PHP- 40.91 PHP
Transfer fee
9.64 CAD
Exchange rate(1 CAD PHP)
40.7397
Exchange rate markup
0 CAD

Cost of transfer
9.64 CAD

RBC Royal Bank of Canada
39,061.56 PHP- 1,326.32 PHP
Transfer fee
0 CAD
Exchange rate(1 CAD PHP)
39.0616
Exchange rate markup
41.19 CAD

Cost of transfer
41.19 CAD

PayPal
38,686.21 PHP- 1,701.67 PHP
Transfer fee
4.99 CAD
Exchange rate(1 CAD PHP)
38.8802
Exchange rate markup
45.64 CAD

Cost of transfer
50.63 CAD

TB Bank
38,550.63 PHP- 1,837.25 PHP
Transfer fee
25 CAD
Exchange rate(1 CAD PHP)
39.5391
Exchange rate markup
29.47 CAD

Cost of transfer
54.47 CAD

globe

Send money abroad from the US in 3 easy steps

How much does it cost to transfer CAD to PHP?

Pay a small, flat fee and percentage

To send money in CAD to PHP, 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). See our transfer calculator.


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.

Wise
Fees for our low cost transfers
Fixed fee
2.40 CAD
Variable feeup to 36,065 CAD/month
0.73%
Variable feemore than 36,065 CAD/month

How long will a money transfer take?

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

Sometimes, different payment methods or routine checks may affect the transfer delivery time. We’ll always keep you updated, and you can track each step in your account.

Your transfer route

CAD
PHP

Should arrive

by January 3, 2025

How to send money with Wise

Best ways to send money internationally

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 abroad with the Wise app

Looking for an app to send money abroad? Send money, receive payments from abroad, check exchange rates – all in one 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

See what the world’s largest publications have to say

Wired

Smart tech and sharp thinking are disrupting high-street banks

Financial Times

Wise is looking to use the internet to spark a digital revolution in current financial services

The Economist

Wise takes a machete to the hefty fees that banks levy to send money across borders

Wise works nearly everywhere

  • United Arab Emirates dirham
  • Australian dollar
  • Bangladeshi taka
  • Bulgarian lev
  • Canadian dollar
  • Swiss franc
  • Chilean peso
  • Chinese yuan
  • Costa Rican colón
  • Czech koruna
  • Danish krone
  • Egyptian pound
  • Euro
  • British pound
  • Georgian lari
  • Hong Kong dollar
  • Hungarian forint
  • Indonesian rupiah
  • Israeli shekel
  • Indian rupee
  • Japanese yen
  • Kenyan shilling
  • South Korean won
  • Sri Lankan rupee
  • Moroccan dirham
  • Mexican peso
  • Malaysian ringgit
  • Nigerian naira
  • Norwegian krone
  • Nepalese rupee
  • New Zealand dollar
  • Philippine peso
  • Pakistani rupee
  • Polish złoty
  • Romanian leu
  • Swedish krona
  • Singapore dollar
  • Thai baht
  • Turkish lira
  • Tanzanian shilling
  • Ukrainian hryvnia
  • Ugandan shilling
  • United States dollar
  • Uruguayan peso
  • Vietnamese dong
  • West African CFA franc
  • South African rand

Let's answer some of your questions