According to RemitRoutes data, sending NZD to Philippines (PHP) currently costs as little as 0.58% via crypto/stablecoin rails versus 0.97% via the cheapest traditional provider — crypto saves 0.39 percentage points. 10 providers tracked, updated every 6 hours.
| Provider | Type | All-in cost |
|---|---|---|
| Binance P2P | Crypto | 0.58% |
| Wise | Traditional | 0.97% |
| WorldRemit | Traditional | 1.24% |
| Western Union | Traditional | 1.36% |
| Remitly | Traditional | 1.92% |
| Westpac NZ | Traditional | 2.66% |
| BNZ | Traditional | 2.87% |
| PayPal | Traditional | 6.53% |
| OFX | Traditional | 7.40% |
| KiwiBank | Traditional | 8.23% |
Updated October 10, 2026 · refreshed every 6 hours. All-in cost = transfer fee + FX markup on a $1,000-equivalent transfer, measured live. All corridors · methodology.