Question 1

What is the cheapest way to send EUR to Philippines?

Accepted Answer

The cheapest option for EUR to PHP transfers depends on the amount and current rates. Crypto rails (USDC on Stellar or Tron) often cost under 1% all-in, while traditional fintechs typically charge 1–3%. Use RemitRoutes to compare live fees across 15+ providers — free, no signup.

Question 2

How long does a EUR to PHP transfer take?

Accepted Answer

EUR to Philippines transfer speeds vary by provider. Crypto rails typically settle in under 5 minutes. Fintech services like Wise take 1–2 business days. Traditional bank wires take 2–5 business days. RemitRoutes shows delivery time alongside fees so you can compare both.

Question 3

Are there hidden fees when sending EUR to Philippines?

Accepted Answer

Yes — many banks and remittance services hide their margin in the exchange rate. A provider advertising "zero fees" may still charge 1–3% through an unfavourable rate. RemitRoutes shows the all-in cost: transfer fee plus FX markup combined as a single percentage, so you can compare providers on equal footing.

Question 4

Can I use cryptocurrency to send EUR to Philippines?

Accepted Answer

Yes. Crypto rails (USDC on Stellar, Tron, Solana, and other blockchains) are available for EUR to PHP transfers. The path converts your EUR to USDC, sends it via blockchain, and a local exchange converts it to PHP for the recipient. This route often costs under 1% all-in — significantly less than traditional remittance providers for many corridors.

Provider	Type	Recipient Gets	All-In Fee	Speed
✦ Coins.ph	Crypto	70,692.72 PHP	-0.11% (crypto premium)	~5 seconds
Instarem	Traditional	70,297.36 PHP	0.45%	Unknown
WorldRemit	Traditional	70,243.27 PHP	0.52%	Unknown
Wise	Traditional	70,234.43 PHP	0.54%	~4 hours
Moneygram	Traditional	69,804.49 PHP	1.14%	Unknown
BNP Paribas	Traditional	69,803.58 PHP	1.15%	Unknown
Remitly	Traditional	69,730.88 PHP	1.25%	Minutes
Western Union	Traditional	69,695.33 PHP	1.30%	Unknown
ABN AMRO Bank	Traditional	69,249.91 PHP	1.93%	Unknown
Monese	Traditional	69,188.88 PHP	2.02%	Unknown
Xoom	Traditional	68,653.66 PHP	2.77%	Unknown
OFX	Traditional	67,474.16 PHP	4.44%	Unknown
UniCredit	Traditional	67,451.36 PHP	4.48%	Unknown
PayPal	Traditional	67,088.23 PHP	4.99%	Unknown

Send EUR to Philippines — Compare 14 Providers