Send Money from the UK to the Philippines (GBP → PHP)
The UK is home to one of the largest Filipino communities in Europe, with a large share working in the NHS and social care. For a household sending money home every week or month, the exchange rate margin — not the advertised fee — is what determines the real cost over a year.
This snapshot compares what a £1,000 transfer delivers in PHP across UK high-street banks, specialist remittance firms, and fintech apps, refreshed hourly from each provider's own pricing.
Live comparison for £1,000.00
| Provider | Rate | Fee | Recipient gets |
|---|---|---|---|
| Instarem | 82.0640 | £0.00 | ₱82,064 |
| Wise | 82.5687 | £6.66 | ₱82,019 |
| WorldRemit | 82.1496 | £1.99 | ₱81,986 |
| Moneygram | 81.9469 | £1.49 | ₱81,825 |
| Remitly | 81.8047 | £0.00 | ₱81,805 |
Snapshot for £1,000.00, refreshed hourly.
Providers on this corridor
- Instarem
Instarem (part of the Nium group) is a Singapore-founded fintech offering international transfers at a small FX margin with no fixed fee for bank-funded sends, plus wide cash-pickup coverage in the Philippines.
- Wise
Wise (formerly TransferWise) is a British fintech that provides international money transfers at the mid-market exchange rate with transparent, upfront fees.
- WorldRemit
WorldRemit (Zepz group) is a UK-founded digital remittance service specializing in mobile-money and cash payouts across Africa, Asia, and Latin America, with strong Philippines coverage.
- MoneyGram
MoneyGram is a US-based money transfer company with one of the largest cash-pickup and agent networks worldwide; the cost is concentrated in its exchange-rate margin rather than a visible fee.
- Remitly
Remitly is an American online remittance service offering international money transfers to over 170 countries, with strong Philippines payout coverage.
Frequently asked questions
What's the cheapest way to send money from the UK to the Philippines?
It shifts week to week as providers run promotions, which is why we refresh this table hourly instead of naming a fixed winner. As a rule, fintech apps that quote near the mid-market rate with a small stated fee (Wise, Instarem) tend to beat banks and cash-focused networks that fold their margin into the exchange rate. Compare the "recipient gets" column, not the headline fee — it's the only number that accounts for both.
How long does a GBP to PHP transfer take?
Bank deposits usually land within a few hours to one business day. GCash and Maya wallet payouts are often near-instant once the sender's payment clears. Cash pickup at a partner branch is typically available within minutes of funding. Weekend and bank-holiday transfers can add a day on the sending side.
Do UK banks charge more than transfer apps for sending to the Philippines?
Usually, yes. High-street banks like Barclays, HSBC, and Nationwide often advertise "no fee" international transfers, but the exchange rate they quote is typically 3-6% worse than mid-market — a hidden cost that dwarfs the flat fee a transparent app would charge. Always check the rate against the mid-market rate shown above, not just whether a fee is charged.
Can I send GBP straight to a GCash or Maya wallet from the UK?
Yes — most of the specialist and fintech providers in this comparison support direct payout to GCash and Maya alongside traditional bank deposit and cash pickup, and wallet payouts are usually the fastest option available.
Does SulitSend charge anything to use this comparison?
No — SulitSend is free to use. Some providers pay us a referral commission if you sign up through our links, but you pay the same price either way; it never affects the rates or ranking shown here.