Best Philippine Peso Travel Money Rates Today
All 9 providers ranked by ₱ Philippine Pesos you actually receive for your pounds – cash delivery, click & collect and currency card compared. Interbank mid-market: 82.6910
💵 Best cash rate today
77.1663
£500 → ₱38,583.15 · Top provider: TravelFX
Interbank 82.6910 -668 bps vs market
Compare all providers ↓💳 Best card rate (Wise)
82.6064
Mid-market rate · ~0.55% fee
Card spending only – no physical cash
Card spending only – no physical cash
Market reference · GBP/PHP
82.6910
-668 bps best cash vs interbank
· Barclays -1440 bps
Interbank rate is indicative (Barchart). Provider rates derived from live feeds. Confirm with each provider before ordering.
GBP/PHP Rate · Charts · Forecasts →Calculate your Philippine Pesos
₱38,583.15
Saving vs Barclays: +₱3,189.95 on £500
via TravelFX (best cash rate today)
£
Which Provider Delivers the Most Philippine Pesos?
All providers ranked by ₱ Philippine Pesos received for your amount. Cash delivery and currency card compared separately.
Provider
Philippine Pesos delivered
Rate
Spread
Delivery
TravelFX
Online delivery specialist
Best cash ratePhilippine Pesos delivered
₱38,583.15
Free over £750 · £7.50 below · HMRC MSB
Home delivery -668 77.1663
77.1663
-668
Home delivery
Currency Online Group
Online specialist + Waterloo walk-in
Philippine Pesos delivered
₱38,451.65
Delivery from £10 · HMRC MSB
Home delivery -700 76.9033
76.9033
-700
Home delivery
Eurochange
Independent specialist · 240+ branches
Philippine Pesos delivered
₱37,862.95
Free over £600 · £4.99 below · HMRC MSB
Home + 240 branches -842 75.7259
75.7259
-842
Home + 240 branches
Sainsbury's Travel Money
Travelex white-label · 400+ stores
Philippine Pesos delivered
₱37,826.50
Free over £400 · £4.99 below · HMRC MSB
Home + collect -851 75.6530
75.6530
-851
Home + collect
Tesco Travel Money
Travelex white-label · 2,500+ stores · Clubcard rate
Philippine Pesos delivered
₱37,681.75
Free over £500 · £3.95–£4.99 below · HMRC MSB
Home + collect -886 75.3635
75.3635
-886
Home + collect
M&S Travel Money
Ignite FXCorp (Eurochange) · 560+ stores
Philippine Pesos delivered
₱37,275.00
Free · Collect only · Not FCA regulated · HMRC MSB
Collect only -985 74.5500
74.5500
-985
Collect only
Post Office
First Rate Exchange Services · 11,000+ locations
Philippine Pesos delivered
₱35,587.25
Free over £500 · £4.99 below · FCA EMI 900412
Home + 11k branches -1393 71.1745
71.1745
-1393
Home + 11k branches
Barclays Travel Money
Full bank · Barclays customers only
Closed servicePhilippine Pesos delivered
₱35,393.20
Worst rate on page · Must pay by Barclays card · Full bank / FSCS
Branch + delivery -1440 70.7864
70.7864
-1440
Branch + delivery
Wise Travel Card – card spending, not physical cash Mid-market rate 82.6064 · ~0.55% conversion fee ·
effective rate ~82.1521 ·
₱41,076.03 for £500.
Best for card-friendly destinations. Does not deliver physical Philippine Peso notes.
Spread vs interbank (bps): 1 bps = 0.01%.
A spread of -668 bps on £500 costs ~₱2,762.35 vs the interbank rate.
Most cash providers are HMRC MSB regulated for bureau de change – not the FCA.
M&S explicitly states it is not FCA regulated. All rates indicative; verify with provider before ordering.
Best rates Moderate Poor rates
How to Get the Best Philippine Peso Rate
The right approach depends on your order size, timeline and destination. Here is the decision framework.
Ordering £750 or more
Use an online specialist
TravelFX and Currency Online Group consistently lead on rate.
Free delivery at £750. On a £750 order, TravelFX delivers approximately ₱4,493.85 more in philippine pesos than the Post Office and ₱4,784.93 more than Barclays.
Order online, receive by Royal Mail Special Delivery the next working day.
Order from TravelFX →Need it today or tomorrow
Click & collect from Eurochange
Eurochange has 240+ branches with same-day collection for orders placed before 4pm. Sainsbury's, Tesco and M&S also offer click & collect across hundreds of stores. Post Office is open same-day at most locations.
Find Eurochange branch →Destination is card-friendly
Wise card for spending
For Western Europe, USA, Australia and Japan, Wise's mid-market rate plus ~0.55% fee outperforms all cash providers on like-for-like. Take minimal cash for markets and small vendors; use Wise for everything else.
See Wise rates →Provider Detail – Full Comparison
Source: GBP/PHP travel money rate comparison · May 2026
Online Cash Delivery Specialists – Best Rates
TravelFX
Online specialist · HMRC MSB
Best rate
GBP/PHP rate 77.1663
Founded 2008
Free delivery £750+
Below £750 £7.50 · below £300: £20
Delivery Royal Mail Special Delivery – next working day
Currencies 80+
Buyback Yes
FCA for cash? No – HMRC MSB only (XEML00000119581)
Trustpilot 4.9/5 · 32,000+ reviews
Full TravelFX review →Currency Online Group
Online specialist · HMRC MSB
Top 2
GBP/PHP rate 76.9033
Founded 2016 (Paul Brewer)
Delivery fee From £10 + insurance
Walk-in Waterloo, London
Buyback Yes – strong rates
FCA for cash? No – HMRC MSB
COG details → High-Street Specialist & Lifestyle Retailers
Eurochange
240+ branches · HMRC MSB
Very competitive
GBP/PHP rate 75.7259
Branches 240+ UK-wide
Same-day collect Yes – before 4pm
Free delivery £600+
Awards Travel Money Provider of Year × 5
Powers M&S via Ignite FXCorp (subsidiary)
FCA for cash? No – HMRC MSB (standard for bureau de change)
Eurochange details →M&S Travel Money
Ignite FXCorp · HMRC MSB
Not FCA regulated
M&S Travel Money is HMRC MSB regulated – the standard framework for bureau de change. The FCA does not regulate the currency exchange element.
GBP/PHP rate 74.5500
Operator (from spring 2025) Ignite FXCorp (Eurochange subsidiary)
Model Click & collect only – no home delivery
Stores 560+ for collect · 96 bureaux
Cancellation fee £10
FCA regulated? No – M&S states this explicitly on its website
Supermarkets (Travelex white-label)
Sainsbury's Travel Money
Travelex white-label
Free over £400
GBP/PHP rate 75.6530
Backend Travelex
Stores 400+
Free delivery from £400 (lowest threshold)
Below £400 £4.99
Tesco Travel Money
Travelex white-label · Clubcard rates
Free over £500
GBP/PHP rate 75.3635
Backend Travelex
Stores 2,500+
Free delivery from £500
Clubcard Better rate for Clubcard holders
Currency card Multi-Currency Cash Passport (22 currencies)
National Networks & Bank
Post Office
First Rate Exchange Services · FCA EMI 900412
11,000 locations
GBP/PHP rate 71.1745
Operator First Rate Exchange Services (Bank of Ireland / PO JV)
Locations 11,000+ · ~3,000 open 7 days
Free delivery from £500
FCA regulated? Yes – First Rate FCA EMI 900412
Barclays Travel Money
Full bank · customers only
-1440 bps
Barclays customers only. Must pay with Barclays debit card or Barclaycard. Worst rate on this page.
GBP/PHP rate 70.7864
Access Barclays customers only
FCA regulated? Yes – full bank · FSCS protected
How we source rates
Provider rates are derived from live feeds, direct data and algorithmic application. Primary figures are server-rendered at page load and update throughout the trading day.
Regulatory note
Most cash providers on this page are HMRC MSB regulated for currency exchange – not the FCA. M&S states it is not FCA regulated. Post Office, John Lewis (First Rate, FCA EMI 900412) and Wise (FCA EMI 900507) are FCA authorised.
How we are funded
We may earn a referral fee when you use a provider via this page. This does not affect our rate data or editorial independence. Read more →
Frequently Asked Questions
Who offers the best philippine peso travel money rate today?
TravelFX leads at 77.1663.
For card spending, Wise gives the mid-market rate (82.6064) minus ~0.55% fee – effective rate ~82.1521.
On £500, TravelFX delivers ₱38,583.15 vs Barclays ₱35,393.20 –
a ₱3,189.95 difference.
Is M&S Travel Money safe if it's not FCA regulated?
M&S Travel Money is HMRC MSB regulated – the standard framework for all UK bureau de change. The service is now operated by Ignite FXCorp (Eurochange subsidiary) since spring 2025. For a dispute, HMRC rather than the FCA is the relevant authority. The service is not unsafe, but consumer protections differ from FCA-regulated services.
Should I buy cash or use a card for Philippine Peso destinations?
A Wise card at the mid-market rate outperforms all cash providers on like-for-like in card-friendly destinations. In practice, carry some cash for markets, taxis and small vendors; use Wise for restaurants, shops and larger purchases. For destinations where cash is essential, a specialist like TravelFX is the right choice.
What does “Travelex white-label” mean for Tesco and Sainsbury's?
Neither Tesco nor Sainsbury's operate their own travel money infrastructure. Both use Travelex as the backend for rate-setting, currency supply and fulfilment. Rates tend to be similar between the two but can differ slightly by day; compare both on this page before ordering.