The SGD → PHP corridor, priced live. Your bank, every transfer app, and the real stablecoin route on Tron (TRC-20), compared on the true all-in cost, so you know exactly which one wins today.
Your sending country changes the price we can get you.
Cheapest way: Wise, 0.4% all-in cost, they receive ₱98,704, about SGD 1,992
Cheapest way to send SGD 2,000 to Philippines
Priced just nowMid-market rate 1 SGD = 49.5453 PHP
They receive ₱98,704 (≈ SGD 1,992)
₱931.45 (≈ SGD 19) more than your bank would send
all-in cost
Opens Wise with this amount and corridor filled in
Send to Philippines more than once?
Most people send to the same place again and again. Pick a cadence to see what your bank quietly costs you a year, and what switching keeps.
The three ways to send, ranked
Every provider we priced
6 checked for this transferWhat each really delivers on SGD 2,000 to Philippines, cheapest first. We check them so you can see we did.
Indicative estimate, not a guaranteed quote. Where our numbers come from
Not a single hero number. This is both legs, both spreads, the on-chain fee and the cash-out, quoted as a range from best to worst case.
Change the amount or destination above to reprice instantly. Mid-market rates from the fawazahmed0 currency-api (public domain); fallback rates by Exchange Rate API (exchangerate-api.com).
On SGD 2,000, a typical bank takes about 1.3%. That is ₱931.45 (≈ SGD 19) more the cheapest route leaves in Philippines.
Corridor volume
$40B
sent per year (2024)
Mid-market rate
49.5453
1 SGD = PHP
Cheapest today
0.4%
all-in via Wise
This is the honest version of the crypto path: four legs, each with its real cost. Nothing here is a single flattering number. The all-in range for this corridor is 2.3%–5.8%.
Fund a reputable exchange with your SGD and buy USDT. Because SGD is not the dollar, this leg first crosses SGD into USD, so its spread is baked into the range below.
+1.2% typical buy spread
Transfer the USDT to the recipient (or your own off-ramp account) over Tron (TRC-20). This is the only part that is genuinely near-free: the on-chain network fee is a flat cost, not a percentage.
≈ $2.02 network fee, flat
Sell the USDT for PHP on Coins.ph. You receive about 63.70 PHP per USDT after the local sell spread, a 0.1% discount to the mid-market rate. Here the local market runs slightly against the crypto route, and we count it honestly, not hidden.
+0.0% typical sell spread
Withdraw the PHP to a bank account or mobile wallet. A small withdrawal fee applies at the receiving end, and it is counted in the all-in range, not hidden.
+1.6% cash-out
The off-ramp is where the stablecoin route earns or loses its edge: the real PHP-per-USDT price at a display-safe venue, and how far it sits above or below the mid-market rate.
63.71PHP / USDT
Below the mid-market rate, so the local market works against the crypto route here. We still count it, honestly.
1,000 USDT buys
63,710 PHP
24h volume
$27.9M
Source: coins_ph
The World Bank tracks the real all-in price of sending money on the Singapore to Philippines corridor across every major provider. It is the authoritative, government-grade benchmark, updated each quarter, and we hold our live numbers against it so nothing here is a number we made up. The cheapest route we find right now, 0.4%, beats the corridor average by about 2.8%.
Corridor average
3.2%
all-in, across every provider
Cheapest recorded
0.8%
the single cheapest option
Bank average
5.3%
what banks charge on this corridor
The same corridor costs differently depending on the payout method. Wise-style estimates cover a bank-account payout only; cash pickup and mobile wallets are priced separately here.
Benchmark: The World Bank, Remittance Prices Worldwide, available at http://remittanceprices.worldbank.org, Q3 2025, across 19 priced providers. Licensed CC BY 4.0. It updates quarterly, so we treat it as a benchmark and a sanity check, never as a live quote.
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The honest answers, priced from the same live comparison you see above. No affiliate spin, no single flattering number.
