Quotes captured Sunday 4 October 2026, 20:40–20:47 UTC · Paid into GCash (mobile wallet) · Rates move — check the provider’s own screen before you pay
For €500 sent from Germany to a GCash wallet, the best quote we could rank was Western Union’s ₱35,725.65 and the lowest was Taptap Send’s ₱34,750 — ₱976 apart, about €14, on the same €500. At €1,000 the first question is whether GCash can take the money at all: Wise and WorldRemit cap wallet transfers at ₱50,000, and €1,000 is about ₱70,000.
Below are the quotes six providers gave on their own public calculators within the same seven minutes, at €100, €500 and €1,000, with the payout set to a mobile wallet wherever the calculator offered the choice. Read the next two sections before the tables: one says exactly what kind of number these are, the other covers the GCash limits that can stop a transfer whatever the rate.
What these numbers are, and are not
- Public, logged-out calculator quotes. Each figure is what the provider’s own website showed to a visitor who was not signed in, on its Germany page. Once you sign in and reach checkout, the quote can differ — through promotions, verification limits or the payment method you pick.
- Captured on a Sunday. Currency markets are closed at weekends, so every provider was pricing off its own weekend rate. A weekday quote can be different.
- Not receipts. We did not send money. These are quotes, not proof of what arrived in the wallet.
- Standard prices, not first-transfer offers. Where a provider showed a new-customer rate, it is reported separately — a returning customer never sees it.
A quote is ranked only if all five hold: the provider’s calculator displayed it, rather than us calculating it; the provider says it pays into GCash, and the mobile-wallet option was selected where the calculator offers one; the provider has not published a GCash limit below the amount; the total leaving your account is the amount in the heading; and it is not a first-transfer offer. Ranked quotes are in order of pesos received, and nothing else. Speed and payment method are shown alongside but do not change the order. Quotes that miss a rule are listed under each table with the reason.
Check the GCash limits before the rate
Three ceilings apply to every transfer into GCash, and the lowest one decides whether the money lands:
- The provider’s cap per transfer. Wise and WorldRemit both stop at ₱50,000 for a wallet. That rules both out at €1,000 on this page.
- What the recipient may receive this month. A Basic (not fully verified) GCash account can receive only ₱5,000 a month — less than €100. A Fully Verified one can receive ₱500,000 a month, since GCash raised its limits on 1 October 2026.
- Room left in the wallet. A Fully Verified wallet holds at most ₱500,000. That is rarely the obstacle now, but a wallet already holding ₱460,000 cannot take a ₱50,000 transfer.
Ask your recipient for their profile level, current balance and what is left of this month’s incoming limit before you compare a single rate. The full explanation, with GCash’s own tier table, is in sending money to GCash from abroad.
Sending €500
| # | Provider | Recipient gets | Rate (1 EUR) | Fee | Paid by | Provider’s stated speed |
|---|---|---|---|---|---|---|
| 1 | Western Union | ₱35,725.65 | 71.4513 | €0.00 | Any method, same price | “In minutes” |
| 2 | Wise | ₱34,902.99 | 70.3888 | €4.14, taken from the €500 | Bank transfer | “Today – in 2 minutes” |
| 3 | WorldRemit | ₱34,760 | 69.5203 | €0 | Not shown | “Within 5 minutes” |
| 4 | Taptap Send | ₱34,750 | 69.500 | None for GCash | Not shown | “95% of transfers arrive in under 3 minutes” |
- Not ranked — Ria, ₱34,964.88. That figure uses Ria’s first-transfer rate of 69.9298. Its standard rate, shown struck through, was 69.824 — ₱34,912 for a returning customer, by our calculation. See first-transfer offers.
- Not ranked — Remitly, ₱35,315. New-customer rate only. A returning customer would get ₱35,000 and pay €500.99, by our calculation.
Western Union’s €500 rate is higher than the market rate. Read the note on it before you rely on it. Wise’s and Taptap Send’s calculators do not ask for a payout method; both say they pay into GCash, and that is the basis for ranking them here.
Sending €100
| # | Provider | Recipient gets | Rate (1 EUR) | Fee | Paid by | Provider’s stated speed |
|---|---|---|---|---|---|---|
| 1 | Western Union | ₱7,145.13 | 71.4513 | €0.00 | Any method, same price | “In minutes” |
| 2 | WorldRemit | ₱6,952 | 69.5203 | €0 | Not shown | “Within 5 minutes” |
| 3 | Taptap Send | ₱6,950 | 69.500 | None for GCash | Not shown | “95% of transfers arrive in under 3 minutes” |
| 4 | Wise | ₱6,926.26 | 70.3888 | €1.60, taken from the €100 | Bank transfer | “Today – in 2 minutes” |
- Not ranked — Ria, ₱7,144.23. First-transfer rate of 71.4423. Its standard rate at €100 was 69.507 — ₱6,950.70 for a returning customer, by our calculation.
- Not ranked — Remitly, ₱7,063. New-customer rate only. A returning customer would get ₱7,000 and pay €100.99, by our calculation.
At €100 the fee matters more than the rate. Among the ranked quotes, only Western Union’s rate beats Wise’s, yet Wise comes last here, because its €1.60 fee is taken from a small amount.
Sending €1,000
| # | Provider | Recipient gets | Rate (1 EUR) | Fee | Paid by | Provider’s stated speed |
|---|---|---|---|---|---|---|
| 1 | Western Union | ₱70,377.78 | 70.3778 | €0.00 | Any method, same price | “In minutes” |
| 2 | Ria | ₱69,824.24 | 69.824236 | €0.00 | Credit card | Not shown |
| 3 | Taptap Send | ₱69,500 | 69.500 | None for GCash | Not shown | “95% of transfers arrive in under 3 minutes” |
- Not ranked — Wise, ₱69,873.55. Over Wise’s ₱50,000 limit per transfer to a wallet, so it cannot go into GCash in one transfer. The calculator gave its arrival as “by Monday 6:00 AM”, where the smaller amounts said “in 2 minutes”.
- Not ranked — WorldRemit, ₱69,520. Over its ₱50,000 limit per transfer to a wallet.
- Not ranked — Remitly, ₱70,630. New-customer rate only. A returning customer would get ₱70,000 and pay €1,000.99, by our calculation.
Even the ranked three need a Fully Verified recipient with about ₱70,000 of room in the wallet and in this month’s incoming limit. Taptap Send gives its GCash limit as “PHP 50,000 to PHP 100,000 per transaction”; Western Union and Ria publish no GCash limit on their pages. Splitting the money into two transfers does not help if the wallet itself is the limit.
First-transfer offers
Two providers showed new-customer prices instead of their standard ones.
| Send | Remitly, first transfer (displayed) | Remitly, returning (calculated) | Ria, first transfer (displayed) | Ria, returning (calculated) |
|---|---|---|---|---|
| €100 | ₱7,063.00 | ₱7,000 for €100.99 | ₱7,144.23 | ₱6,950.70 |
| €500 | ₱35,315.00 | ₱35,000 for €500.99 | ₱34,964.88 | ₱34,912 |
| €1,000 | ₱70,630.00 | ₱70,000 for €1,000.99 | No offer shown | ₱69,824.24 (displayed, ranked above) |
Remitly showed a welcome rate of 70.63 “applied to first 1000 EUR of your transfer” and a standard rate of 70.00. Its mobile-wallet option said “Zero fees now, 0,99 EUR next time”. The small print: “New customers only. One per customer. Limited time offer.”
Ria showed “Ihre erste Überweisung hat einen Sonderpreis!” — your first transfer has a special price — with its standard rate struck through. The page also advertises a first-transfer code; the calculator was read without it.
A first-transfer offer is worth having — once. It does not set the ranking, because after that first transfer you pay the standard price. More on how these offers work in first-transfer offers.
A Western Union rate worth double-checking
At €100 and €500, Western Union’s rate to a GCash wallet was 71.4513. That is 1.7% above the ECB’s reference rate for the Friday before, and 1.5% above Wise’s rate at the same moment — Western Union was offering more pesos per euro than the market rate. At €1,000 its rate was 70.3778. We loaded the €500 quote a second time, a little over a minute later, and got the same figures.
Nothing on the quote said it was a promotion or for new customers only, so it meets every rule and is ranked. But a rate above the market usually is a promotion of some kind, and Ria’s first-transfer rate at €100 — 71.4423 — was almost the same number. If the rate on Western Union’s final screen is lower, the ranking changes. Its page also notes that “account cash-out fees” may be charged by the wallet provider.
Against the ECB reference rate
The European Central Bank publishes a euro–peso reference rate, so this route has an independent benchmark. The latest on the capture day was 70.265, set on Friday 2 October — the ECB does not publish at weekends. At that rate €500 is ₱35,132.50.
Against it, Western Union’s €500 quote was ₱593 above, Wise’s ₱230 below, WorldRemit’s ₱373 below and Taptap Send’s ₱383 below. We are not publishing these gaps as markups for this capture: the benchmark is two days older than the quotes, and Wise’s own rate shows the market had moved after the ECB set it. The ranking does not depend on it — it is by pesos received.
Providers we could not quote
- MoneyGram. Its Germany page for the Philippines returned “not found”, and its Germany site had no amount field for a logged-out visitor when we checked on 29 September.
Being absent from the tables says nothing about whether a provider is a good or bad choice. It means we could not read a quote on the day.
What this page does not tell you
- Today’s price. These are the quotes at one moment on a Sunday. The provider’s own screen at the moment you pay is the only live figure.
- Whether the wallet can take it. That is the recipient’s profile level and balance, covered above.
- What it costs to take the money out. Cashing out of GCash has its own charge. We set it alongside wallets in Bangladesh and Pakistan in what it costs to take money out of a mobile wallet.
- Like-for-like payment methods. Ria’s figures are for a credit card. WorldRemit and Taptap Send did not show a payment method. A card issuer can add its own charge; the quote cannot show that.
- Bank deposit and cash pickup. This page compares wallet payouts only.
If a transfer has already gone wrong, start with money sent to GCash hasn’t arrived, sent to the wrong GCash number or GCash account on hold.
How we captured this
Every figure was read off the provider’s own public calculator and recorded with the time it appeared, between 20:40 and 20:47 UTC on Sunday 4 October 2026. The browser was in Finland, so each provider’s Germany page or Germany sending option was used. Where the calculator offered a payout method, mobile wallet was selected: Remitly (“Mobile wallet”), WorldRemit (“Mobile Money”), Western Union (“GCash, Maya & more”) and Ria (“Mobiles Wallet”).
Each quote was checked by arithmetic — amount after fee, times the rate — and every ranked figure matches the provider’s own total, to within rounding of the displayed rate. Where a figure is our calculation rather than something the calculator displayed, the page says “by our calculation”, and calculated figures are never ranked. A timestamped text record of every quote is kept on file.
Sources
- Provider calculators, Germany pages: Wise, Remitly, WorldRemit, Western Union, Ria, and Taptap Send (with “Germany (EUR)” and “Philippines (PHP)” selected).
- Taptap Send’s Philippines page — GCash delivery, no transfer fee except for Cebuana cash pickup, its GCash limit and the delivery-speed claim.
- Wise help centre: Guide to PHP transfers — the ₱50,000 limit per transfer to a mobile wallet, read 4 October 2026.
- WorldRemit: send mobile money to the Philippines — ₱50,000 per transfer and ₱100,000 per wallet per month, read 4 October 2026.
- GCash help centre: What are my GCash wallet and transaction limits? — limits in force from 1 October 2026, re-read 10 October 2026.
- European Central Bank euro reference rates, 2 October 2026.
Correction, 10 October 2026. When this page was published it said a Fully Verified GCash account could hold and receive ₱100,000 a month. GCash had raised both to ₱500,000 from 1 October 2026, three days before our capture; we were working from our 25 September reading of GCash’s limits page. The figures above are corrected. The quotes and the rankings are unaffected.
Afromium does not make test transfers and has no commercial relationship with any provider on this page. This is general information about quotes shown at one moment, not advice on which provider to use. Rates, fees and offers change constantly — confirm the final amount on the provider’s own screen before you pay.