Philippines to USD Converter
Convert PHP to US dollars and see how much of the mid-market rate a provider keeps as spread and fees.
About Philippines to USD Converter
Providers rarely charge an explicit commission; they widen the spread instead. Applying the margin to the mid-market rate and subtracting any fixed fee gives the amount that actually lands, and dividing that back by the amount sent gives the effective rate. Sending money from or to Philippines. Comparing providers on the advertised rate is misleading — the effective rate after spread and fees is the only figure that determines what the recipient gets.
Formula
Philippines to USD
Received = amount × rate × (1 − margin) − fixed fee
- rate
- Mid-market rate quoted by the market
- margin
- Spread the provider takes on top of the mid-market rate
Frequently Asked Questions
How is Philippines to USD calculated?
Received = amount × rate × (1 − margin) − fixed fee Providers rarely charge an explicit commission; they widen the spread instead. Applying the margin to the mid-market rate and subtracting any fixed fee gives the amount that actually lands, and dividing that back by the amount sent gives the effective rate.
Why does Philippines to USD matter?
Sending money from or to Philippines. Comparing providers on the advertised rate is misleading — the effective rate after spread and fees is the only figure that determines what the recipient gets.
What values do I need to enter?
This calculator takes 4 inputs: Amount in PHP, Exchange rate (1 PHP to USD), Provider margin over mid-market rate, Fixed transfer fee. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.
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Philippines specifics
- Currency
- ₱ PHPPhilippine Peso
- Region
- Asia
- Country code
- PH
- Amounts look like
- ₱1,234,567.89
- Dates look like
- Mar 9, 2026
- Units
- metricWeek starts Sunday
Results on this page are expressed in PHP (Philippine Peso). Figures are estimates for general planning — confirm current rates and thresholds with the relevant Philippines authority before relying on them.