PHP to CHF

Converting Philippine Peso into Swiss Franc: what you are looking at

This page tracks the exchange rate between Philippine Peso (PHP) and Swiss Franc (CHF), together with the cost of an actual conversion at a range of providers. As of October 30, 2026, one PHP is worth 0.012927 CHF, and 1 CHF comes to 77.3586 PHP.

That headline number is the mid-market rate, sometimes called the interbank rate. It is calculated as the middle of what wholesale traders pay for PHP and what they ask for it. Treat it as a neutral benchmark: no fee or margin is built in, so you rarely get it as a private customer.

What ends up on the CHF side depends on two separate costs: a markup hidden in the exchange rate and any fixed or percentage fee. In the sections below we explain how those costs work, look at what a conversion costs in practice and share simple habits to keep more of your money when converting PHP to CHF.

Bank transfer or money transfer service for CHF?

A traditional bank sends your payment via the SWIFT system. Along the way one or more intermediary banks may handle it, and each can take a fee. It typically arrives within a few working days, and the exact cost is not always clear in advance.

Specialised transfer services often work differently. They hold balances in both currencies, which means your payment and the payout both happen domestically. That is often faster and cheaper, and you see exactly what will arrive before you confirm.

Speed is not down to the provider alone: funding method, verification and holidays in the sending and receiving country. New customers sometimes wait a little longer while identity checks are done. Finish verification in advance if the money has to arrive on a set date.

One year of PHP to CHF

Compared with a year ago, the exchange rate shows a change of -5.11%. In that period the highest level was 0.013801 CHF per PHP, while the low point came in at 0.012700. Today’s rate of 0.012927 is easy to place within that band.

The spread between the year’s extremes is a useful reminder of how far the rate can travel. On a large conversion, the moment of conversion matters in actual money, sometimes more than the choice of provider.

Rates are pushed around by interest rate decisions, inflation figures, trade flows and general market sentiment. The statistics here are historical, not a forecast. If you want to act on a certain rate, a rate alert is a calmer option than trying to predict the market.

How our PHP/CHF comparison works

We start from the live mid-market rate for PHP/CHF. Each provider’s published fee and markup are applied on top, which gives the amount the recipient receives. We do this for 8 providers, placed side by side.

The figures refresh every half hour, so the page reflects the market of October 30, 2026. Always check the final quote in the provider’s app or website, because their rate can move between our updates, especially when markets are busy.

No bank, app or exchange owns GoldexPay. Some links on this page are affiliate links, which help pay for the site. That never changes the ranking: the provider that delivers the most CHF comes first, whether or not we have a link to it.

50,000.00 PHP to CHF, step by step

Take a conversion of 50,000.00 PHP. Converted at the pure mid-market rate (0.012927), that sum sets the ceiling for what any provider could deliver in CHF. No service pays out that exact figure, as costs are deducted somewhere in the process.

Of the 8 providers we compared, Revolut gave the best result and paid out 643.11 CHF after all costs. The gap between 643.11 CHF and the theoretical maximum is what the conversion actually cost you.

Keep in mind that a different amount can produce a different winner. A flat fee hurts most when the amount is small, while the margin in the rate becomes the bigger cost on larger transfers. Try your actual amount in the calculator above and check whether the order changes.

Where you pay with PHP and CHF

Philippine Peso is the money you pay with in Philippines. Swiss Franc is the official currency of Switzerland, Liechtenstein. Knowing this helps for anyone who earns in one of these currencies and spends in the other.

The reasons for changing PHP into CHF vary: rent or a mortgage abroad, tuition fees, a salary paid in another currency, savings or a holiday. What suits one case may not suit another: a one-off large payment benefits most from a sharp rate, whereas regular small amounts are more sensitive to fixed fees.

Each country has its own payment habits. Some recipients expect a bank account number with a local bank code, others an IBAN, and in some places payout to a mobile wallet is the norm. Have the recipient’s full details ready before you begin.

Before you send: security and large amounts

Make sure the provider is licensed. In the UK that means authorisation by the FCA, elsewhere a central bank or financial supervisor. Regulation includes rules on keeping your money apart from the company’s own, which protects you if something goes wrong.

Check names and account details twice. Mistakes are rarely fixed quickly with transfers abroad. Unexpected changes to payment details are a classic warning sign. Verify through a channel you trust.

Larger transfers often come with additional questions. Have documents ready that show where the money came from, like a statement or a sales contract. Some services offer better rates or a personal contact for larger transfers. Some also let you lock in a rate for a short period.

Paying less when you change PHP into CHF

Look at the final amount, not just the fee. A provider with a low fee can still be expensive if the rate is poor. The fairest figure to compare is the amount received, which combines the markup and the fee.

When you pay by card abroad, you can get a choice between your own currency and the local one. The trade name for this is dynamic currency conversion. The rate used is usually poor. Always opt to pay in the local currency so your bank or card issuer handles the exchange.

Timing plays a role too. At weekends, with the wholesale market shut, some services add an extra buffer to the rate. If you are not in a hurry, a rate alert or limit order lets you convert automatically once PHP/CHF reaches a level you choose. It saves you from checking the rate every day, though the target may never be reached.

Also check how you fund the transfer. Paying by credit card can trigger extra charges, while a plain bank transfer is normally the low-cost option. Bundling smaller transfers also cuts the impact of fixed fees.

How providers price PHP to CHF

Nearly every bank and app stay away from the rate of 0.012927 as such. Instead they offer a rate that is a little less favourable and earn on the difference. This is known as the exchange rate margin. If the margin is 2%, then for every 100 PHP you convert, about 2 PHP worth disappears before the money arrives.

On top of the margin, many providers charge an explicit fee. That can be a flat charge per payment, a share of what you send or a mix of both. With international bank payments the receiving or intermediary bank sometimes deducts a charge too, which shrinks the amount that finally arrives.

Be wary of offers that say "no fees" or "0% commission". In many cases the margin in the rate simply does the work of the fee. The reliable test is the final CHF figure for the same amount of PHP, which is how the table above is sorted.