₱45,406
Best provider
−₱221
Worst provider
−₱3,048
Quotes refreshed daily · Nov 3, 11:58 AM Manila
CAD to PHP: send more pesos home.
See exactly how many pesos your family gets from each money transfer app and bank — fees and exchange-rate markup included. Free, no sign-up.
To
PHP
PHPMid-market rate 1 CAD = ₱45.41▲ 3.47% · 30 d
Western UnionCat’s pick Rate 45.1851 · fees 4.87 CAD45,185.07Save up to 62.25 CAD in total feesGo to Western Union
Remitly Rate 45.1084 · fees 6.56 CAD45,108.45
Instarem Rate 45.0282 · fees 8.33 CAD45,028.23
Wise Rate 45.4063 · fees 8.33 CAD45,028.07
Xoom Rate 44.4839 · fees 20.31 CAD44,483.90
Royal Bank of Canada Rate 44.2659 · fees 25.12 CAD44,265.87
PayPal Rate 43.6125 · fees 44.30 CAD43,394.86
OFX Rate 43.7170 · fees 51.65 CAD43,061.27- BMO Rate 42.3586 · fees 67.12 CAD42,358.61
Total fees = transfer fee + exchange-rate markup, measured against the mid-market rate. Quotes are for sending 1,000 CAD by bank transfer, collected by Wise and refreshed once a day (Nov 3, 2026); other amounts are estimated from the same rate and fee. Banks are refreshed less often — open a row to see when. Some providers may pay Cashcat when you sign up through us; it never changes the order: most PHP first. How we get these rates
“Zero fees” is rarely zero.
Most of the cost hides in the exchange rate. We compare against the mid-market rate — the one you see on Google — so you see both parts.
Fee
The part they show
A flat or percentage charge, listed on the provider’s site.
Markup
The part they don’t
The gap between their rate and the mid-market rate. We turn it into pesos.
Peso rates today
Nap. We’ll watch the rate.
One email when 1 CAD reaches your target — then we go quiet. Cancel any time.
Padala late this month?
Compare loansBridge the gap with a short loan — compared the same honest way.
Questions?
Where do these rates come from?
Provider quotes come from Wise’s public price comparison, which collects them from each provider’s website. We fetch it once a day per currency; every row shows when its quote was collected. The mid-market rate is Wise’s own rate at the same moment.
Does Cashcat send money?
No. Cashcat only compares. You sign up and send directly with the provider you pick, and the provider shows you the final quote before you pay.
What is the mid-market rate?
The midpoint between what banks pay to buy and sell a currency. It’s the fairest benchmark — anything below it is a markup you pay on top of the fee.
Why isn’t my bank or GCash listed?
We show providers that have a published quote for this currency. Popular corridors from the Middle East (AED, SAR, QAR, KWD) are coming as soon as we have reliable data.
How do you make money?
Some providers may pay us when you sign up through Cashcat. The table is always sorted by pesos received — never by who pays us.