Compare the real cost of sending Singapore Dollar to Philippine Peso, shown for about S$1,300.00 (roughly USD 1,000). Real provider quotes are ranked by the amount your recipient receives after every fee and margin; providers without a live quote are listed separately as estimates. Mid-market rate as of 2026-10-28: 1 SGD = 49.9571 PHP.
| Provider | Rate after margin | Flat fee (SGD) | Transfer fee | FX margin | Total cost | Recipient gets | Data type | |
|---|---|---|---|---|---|---|---|---|
| Wise (TransferWise)Best live quote | 49.9972 | — | 0.45% | −0.08% | ₱239.03 (0.37%) | ₱64,705.18 PHP | ● Live quote · 2026-10-28 | Send with Wise → |
| InstaReM | 49.9811 | S$7.80 | — | −0.05% | ₱358.63 (0.55%) | ₱64,585.58 PHP | ● Live quote · 2026-10-28 | Send with InstaReM → |
| Western Union | 49.6922 | S$3.00 | — | 0.53% | ₱493.49 (0.76%) | ₱64,450.72 PHP | ● Live quote · 2026-10-28 | Send with Western Union → |
| HSBC Singapore | 49.2496 | — | — | 1.42% | ₱919.67 (1.42%) | ₱64,024.54 PHP | ● Live quote · 2026-10-27 | |
| OFX | 48.1925 | S$15.00 | — | 3.53% | ₱3,016.87 (4.65%) | ₱61,927.34 PHP | ● Live quote · 2026-10-28 | |
| PayPal | 47.7667 | S$6.40 | — | 4.38% | ₱3,153.12 (4.86%) | ₱61,791.09 PHP | ● Live quote · 2026-10-28 |
● Live quote = a real price collected 2026-10-28 07:12 UTC for about S$1,300.00, via Wise's quote API (Wise) and Wise's public price-comparison data (other providers and banks). That feed is collected by Wise, which also competes with several of these providers; it reflects standard delivery and excludes first-transfer promotions, so your own quote may differ. Recipient gets = (amount − flat fee) × (1 − transfer fee) × rate after margin, where rate after margin = mid-market rate × (1 − FX margin). Total cost = what S$1,300.00 is worth at the mid-market rate minus what the recipient gets. FX margin is measured against the mid-market rate shown above, so small negative values just mean a provider's rate was marginally better than our reference.
These providers had no fresh quote for this route. The figures use typical published fees and margins, are not quotes, and are deliberately not ranked against the live quotes above.
| Provider | Rate after margin | Flat fee (SGD) | Transfer fee | FX margin | Total cost | Recipient gets | Data type |
|---|---|---|---|---|---|---|---|
| Remitly | 49.6573 | S$1.35 | — | 0.60% | ₱456.47 (0.70%) | ₱64,487.74 PHP | Typical fee (estimate) |
| Ria Money Transfer | 48.9579 | S$3.83 | — | 2.00% | ₱1,486.43 (2.29%) | ₱63,457.78 PHP | Typical fee (estimate) |
Typical fee (estimate) = typical published fees and margins, not a quote for this transfer. Recipient gets = (amount − flat fee) × (1 − transfer fee) × rate after margin, where rate after margin = mid-market rate × (1 − FX margin). Total cost = what S$1,300.00 is worth at the mid-market rate minus what the recipient gets. FX margin is measured against the mid-market rate shown above, so small negative values just mean a provider's rate was marginally better than our reference.
Not listed for senders in Singapore: XE Money Transfer, TransferGo (not available from Singapore); WorldRemit, MoneyGram, Paysend, Revolut, Xoom, Skrill (we have not been able to confirm they serve Singapore; they are added once confirmed).
Indicative only — verify before sending. Open the live comparator →
Alert me when 1 SGD buys X PHP or more. Today's mid-market rate: 1 SGD = 49.9571 PHP.
We email you a link to confirm first (double opt-in) and nothing is sent until you click it. The target is compared with the mid-market rate (updated once a day), which is not the rate a provider will give you — compare the amount received on this page. Not financial advice.
Transfers from Singapore to the Philippines are most commonly sent for OFW remittances to family. On a S$1,300.00 transfer, the choice of provider can make a difference of ₱2,914.09 — money that disappears into fees and FX margin when you pick the wrong service.
The advertised exchange rate is rarely what you get. Most banks and transfer services quote a rate that includes a hidden FX margin of 0.5–4% above the mid-market SGD/PHP rate. That margin is often the largest single cost on a transfer, which is why FX Skipper deducts it before ranking and shows you what actually arrives in the Philippines.
Based on real provider quotes collected 2026-10-28 07:12 UTC for about S$1,300.00, Wise (TransferWise) gave the best result: your recipient receives about ₱64,705.18 (0.37% total cost). 6 providers had a live quote for this route. Quotes change daily — confirm with the provider before sending.
Among the live quotes, total cost ranges from about ₱239.03 to ₱3,153.12 — a difference of roughly ₱2,914.09 on a single transfer.
The mid-market rate is approximately 1 SGD = 49.9571 PHP as of 2026-10-28. Providers add an FX margin on top — the table shows each provider's effective rate after that margin is deducted.
Transfer times vary by provider, delivery method and corridor — from minutes for some bank transfers and cash pickups to one to three business days. We do not publish delivery times for this route because we have not verified them; check the speed estimate in the provider's own quote before you send.
It is safer when you use a licensed and regulated provider. FX Skipper compares prices but does not vet or endorse providers, so always confirm the provider holds a valid licence in Singapore and that the receiving method suits your recipient in the Philippines.
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