The rate shown here is an indicative mid-market rate — banks, exchange houses, and remittance apps each quote their own 'payout rate' for QAR/PHP, and that payout rate is typically a little less favorable than the mid-market figure, since their margin is already built into it.

Banks generally apply a wider spread on this corridor than dedicated remittance operators or exchange houses, since currency conversion isn't a bank's core business — comparing a bank's payout rate against a licensed money-transfer operator before sending is usually worth the extra few minutes.

Topping up a remittance app with a credit card can add your card issuer's cash-advance or foreign-transaction fee on top of the app's own transfer fee — a direct bank transfer or a linked debit/e-wallet funding source is usually the cheaper way to send on this corridor.

Total cost has two separate parts: the transfer fee (usually shown upfront, flat or a percentage) and the spread built into the provider's exchange rate (often disclosed less clearly, if at all) — the amount your recipient in the Philippines actually gets reflects both, which is why it typically comes out a little lower than a simple mid-market calculation would suggest.

The rate shown here is a continuously updated mid-market reference for comparison — before sending, check the specific rate and fee your chosen remittance provider quotes at that moment, since that combination — not this reference rate alone — determines what your recipient receives.