According to RemitRoutes data (updated 1h ago), the cheapest way to send 1,000 NZD to Philippines is Binance P2P at 0.27% total cost. Crypto rails at 0.27% are 0.74 percentage points cheaper than the cheapest traditional option at 1.01%.
Sending $1,000 NZD. Rates measured 1h ago from live APIs · refreshed every 6 hours — never estimated.
| Provider | Type | Recipient Gets | All-In Fee | Speed |
|---|---|---|---|---|
| ✦ Binance P2P | Crypto | 35,154.32 PHP | 0.27% | ~1 second |
| WorldRemit | Traditional | 34,891.43 PHP | 1.01% | 1-2 business days |
| Wise | Traditional | 34,872.14 PHP | 1.07% | ~5 hours |
| Western Union | Traditional | 34,631.2 PHP | 1.75% | 1 business day |
| Remitly | Traditional | 34,552.43 PHP | 1.98% | Minutes |
| BNZ | Traditional | 34,520.14 PHP | 2.07% | Unknown |
| Westpac NZ | Traditional | 34,436.54 PHP | 2.30% | Unknown |
| PayPal | Traditional | 32,934.06 PHP | 6.57% | Unknown |
| OFX | Traditional | 32,590.74 PHP | 7.54% | Unknown |
| KiwiBank | Traditional | 32,364.23 PHP | 8.18% | Unknown |
Updated every 6 hours from real APIs (Wise, CCXT, CoinGecko). No data is estimated or hardcoded. See methodology · Full NZD → PHP cost data
In Q3 2026, crypto rails delivered 1.18% above mid-market on average versus 1.76% all-in for traditional providers across 462 corridors — crypto was cheaper at or below mid-market in 41.8% of corridors and delivered above mid-market via P2P premium routes in a further 56.1%.
→ Cross-Border Cost Index — Q3 2026