We test a £200.00 personal bank transfer and rank the amount that reaches the recipient.
Each provider shows its latest result from today, or its freshest saved result in grey. Previous results and calculator estimates stay outside today's price ranking.
Xe mid-market reference only. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
First-transfer Instarem offer. We keep the receipt, but a price available only to selected customers cannot win the standard table.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Public destination calculator. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
ECB reference rate less Lloyds' published 2.60% margin, plus £15 online fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
Business Current Account public indicative rate plus published payment fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
ECB reference rate less Santander's published 3% markup, plus £25 payment fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
CurrencyFair, Atlantic Money, Ria Money Transfer, TransferGo, SingX, Revolut, Starling Bank, HSBC UK, NatWest, RBS, Asda Money, Paysend, ACE Money Transfer, Profee, OrbitRemit, LemFi.
They are omitted from the table until we have a usable result for the amount and currencies shown. This does not mean the provider cannot offer the transfer.
A provider button may earn us money. The receipt link does not; it opens the evidence we stored independently.
Open a receipt to inspect the saved evidence and its UTC date. Grey results are historical reference points; recheck the provider's current rate before transferring. Providers without a matching saved result are listed in the note below the table.
The starting point here is a GBP 200 transfer, with the recipient paid in PHP. That fixed amount makes the offers above easier to compare. Choosing a company also means checking how the payment is funded, what the recipient needs to collect it and what support is available if delivery takes longer than expected.
Today’s sample for this route contains 0 providers with a usable result, of which 0 qualify as verified, standard bank-to-bank offers. There are not enough comparable offers today to calculate a meaningful price spread. Older receipts remain useful as dated references in the table above.
Our United Kingdom–Australia, United Kingdom–Canada, United Kingdom–France routes use the same GBP 200 test amount and sending market. They are useful peers for checking how many providers we can observe and how widely their recipient amounts differ.
A higher number of PHP received cannot tell you whether this route is cheaper than one paying another currency. Compare the total cost against an appropriate exchange-rate benchmark, or compare offers within this route using the same budget and payout method.
For bank deposits in PHP, the receiving account format is Bank name and account number; no IBAN. The recipient checklist for the Philippines explains which identifiers to request. A transfer company using a local payment route may ask for different information from a bank sending a direct international wire.
Keep bank-funded and card-funded offers separate when comparing costs. Check whether the quoted fee is inside your sending budget or charged on top, then use the recipient amount on the final confirmation screen. A fee advertised as zero can still accompany an exchange-rate markup. Delivery estimates also depend on the funding method and any required checks.
Read the Philippines receiving-account checklist →For a regular GBP 200 payment, look for reports about repeat transfers, recipient setup and resolving a delayed payment. For a larger one-off transfer, ask about limits, the documents required and how to reach a person before funding the transfer. A positive comment about an account or card does not establish that a company offers good value on GBP/PHP.
Our company reviews separate published customer feedback from the prices collected here. They show the source, review date and whether the feedback covers money transfers or a wider business. Use those themes to form questions for the provider; use a current quote to judge the price of this particular transfer.
Compare two companies’ fees, access and customer feedback →The return journey, Philippines to United Kingdom, is tested with PHP 58,000. That changes the sending market and the budget. A company available to customers in the United Kingdom may offer different products, fees or eligibility to customers in the Philippines.
Do not estimate the reverse transfer by turning an exchange rate upside down. Request a quote for the reverse direction, using its actual funding and payout methods. Compare the displayed fee and the amount the recipient will receive, including any disclosed receiving charges.
Compare Philippines to United Kingdom →Our analysis of the World Bank’s Remittance Prices Worldwide observations estimated an average cost of £4.88 on a £200 transfer to the Philippines, equivalent to 2.44%. This is a dated comparison point for understanding the route, rather than a quote available today.
The cost position compares the 33 UK outbound corridors in that study. The £200 figures were calculated by linear interpolation between the World Bank’s observed £120 and £300 baskets. A service observation is a particular firm, product, funding and payout combination; it is not a customer transaction. The averages are not weighted by market share.
These payout averages use different sets of offers. Their difference does not isolate the price of changing payout method with the same provider. Check matched offers before attributing a higher cost to cash, an account or a wallet.
Nearby cost averages among the UK routes covered on this site were Poland: £4.44; Pakistan: £3.23; Nigeria: £2.99 per £200 in the same historical scenario. Different providers and payout mixes mean those averages cannot rank today’s offers.
Source: World Bank, Remittance Prices Worldwide, Q3 2025; adapted calculations by Finofin Limited. Read the full study and methodology. Original observations and adapted calculations are credited under CC BY 4.0.
Choose another route to compare the evidence collected today. A wider range of offers gives you more prices to check; it does not guarantee a cheaper transfer.
These routes use the same sending country, currency and test amount, which makes their coverage easier to compare. Recipient amounts in different currencies are not a common measure of value.
We subtract the lowest recipient amount from the highest, divide by the highest, and express the difference as a percentage. The calculation needs at least two verified, standard bank-to-bank offers from today (UTC). It excludes introductory offers, indicative estimates and previous-day results. Each provider contributes its latest usable result.
This is the spread between our observed offers, not the exchange-rate margin or the total cost of sending money. Quotes can have different capture times and are not guaranteed to remain bookable. A zero spread means the included results match; it does not mean the transfer is free.
Comparison context prepared by the OMT research desk, 29 September 2026. Live figures use today’s UTC receipts; historical figures retain their stated study period.
GB → PH · PHP bank-account payout
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A format match cannot confirm the recipient, account ownership or that a payment is safe. Transfer companies may use local rails and ask for fewer fields than a direct bank wire.
A fresh rate replaces the headline figure, not the record behind it.