According to RemitRoutes data (updated 4h ago), the cheapest way to send 1,000 NZD to Philippines is Binance P2P at 0.58% total cost. Crypto rails at 0.58% are 0.39 percentage points cheaper than the cheapest traditional option at 0.97%.
Sending $1,000 NZD. Rates measured 4h ago from live APIs · refreshed every 6 hours — never estimated.
| Provider | Type | Recipient Gets | All-In Fee | Speed |
|---|---|---|---|---|
| ✦ Binance P2P | Crypto | 35,085.28 PHP | 0.58% | ~1 second |
| Wise | Traditional | 34,946.26 PHP | 0.97% | ~2 business days |
| WorldRemit | Traditional | 34,851.43 PHP | 1.24% | 1-2 business days |
| Western Union | Traditional | 34,807.26 PHP | 1.36% | 1 business day |
| Remitly | Traditional | 34,612.09 PHP | 1.92% | Minutes |
| Westpac NZ | Traditional | 34,348.11 PHP | 2.66% | Unknown |
| BNZ | Traditional | 34,276.31 PHP | 2.87% | Unknown |
| PayPal | Traditional | 32,983.29 PHP | 6.53% | Unknown |
| OFX | Traditional | 32,675.63 PHP | 7.40% | Unknown |
| KiwiBank | Traditional | 32,384.89 PHP | 8.23% | 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