Our Editorial Standards
FinPayWise helps people in Singapore compare ways to send money to the Philippines. This page explains how we research, compare, update and correct our content.
Last updated: 2 October 2026 · Editor: Chris Zhang
How we compare providers
We compare providers using the price a customer would actually see. For each comparison we:
- Check live quotes on each provider’s official website or app calculator
- Check all providers within the same 60-minute window, so prices are comparable
- Use standard amounts — S$500 and S$1,000 — sent to a Philippine bank account, and S$500 to GCash where available
- Record the fee, the exchange rate offered, the amount the recipient gets in PHP and the estimated delivery time
- Compare the offered rate against the mid-market rate at the time of checking, so the cost hidden in the exchange rate is visible
- Save timestamped screenshots of every quote
We rank by total cost — the fee plus the exchange rate markup — not by the advertised fee alone.
Promotions
Many providers offer a better rate or zero fee on your first transfer. When we see a first-transfer promotion, we label it clearly and, where possible, also show the standard price you would pay on later transfers.
Licensing and safety
We only recommend providers that are licensed to operate in Singapore. You can check any provider yourself on the Monetary Authority of Singapore (MAS) Financial Institutions Directory: https://eservices.mas.gov.sg/fid
How often we update
Exchange rates and fees change frequently. We aim to recheck prices every week, and every comparison shows the date and time prices were checked (Singapore time). Always confirm the final price on the provider’s website before you send money.
Affiliate links and independence
Some links on FinPayWise are affiliate links. If you sign up through them, we may earn a commission at no extra cost to you. Commissions never decide our rankings, and we also compare providers we have no commercial relationship with. Read our full Affiliate Disclosure for details.
How we use tools, including AI
We may use software tools, including AI writing tools, to help organise data and draft content. Every article is reviewed, fact-checked against our recorded quotes and approved by our editor before it is published.
What we don’t do
- We don’t accept payment for higher rankings or positive reviews
- We don’t make absolute claims such as “always the cheapest”
- We don’t provide financial advice — our content is general information only
Corrections
If you spot an error or outdated price, email us at contact@finpaywise.com. We review every report and update the article, noting significant corrections.