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Find Payment Routes

Compare platforms that support sending and receiving in both countries.

DEGermany
PHPhilippines

🇩🇪Germany → 🇵🇭Philippines

7 platforms available
About Germany →About Philippines →

Recommended Strategy

Primary
Deel

Lowest fees at 0%

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Backup
Wise

Fastest transfers at 0–1 days

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Based on verified fee data — fees may vary by payment method and transfer amount.

RemoteAvailable

Global HR platform for hiring and paying international teams

Fee:
0%
($0 fee to contractor. Same-currency EUR withdrawal via SEPA. Employer pays $29/mo.)
Transfer time:
24–72 days
(Typically 1–3 business days via SEPA)
Docs Verified

Last verified May 29, 2026 — source

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PayoneerAvailable

Global payment platform for freelancers and businesses

Fee:
0–1%
(EUR withdrawal via SEPA — $1.50 flat fee. 1% marketplace receiving fee. No FX conversion needed.)
Transfer time:
24–48 days
(Typically 1–2 business days via SEPA)
Docs Verified

Last verified May 29, 2026 — source

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DeelAvailableCrypto

Global payroll and compliance platform for remote teams

Fee:
0%
($0 platform fee (employer pays). EUR same-currency withdrawal via SEPA — no FX conversion if paid in EUR. SEPA transfer free.)
Transfer time:
24–48 days
(Typically 1–2 business days via SEPA)
Docs Verified

Last verified May 29, 2026 — source

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GreyAvailable

Banking for Africans — USD, GBP, EUR accounts

Fee:
0.8–1.3%
(0.8% SEPA receiving fee + EUR withdrawal 0.5% (min €2, max €10). No FX conversion needed for EUR earners.)
Transfer time:
24–48 days
(Typically 1–2 business days via SEPA)
Docs Verified

Last verified May 29, 2026 — source

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WiseAvailable

Multi-currency account with low-cost international transfers

Fee:
0.99–6.82%
(0.99% via bank transfer (USD→EUR). Instant or ~22 min. SEPA. Full account.)
Transfer time:
0–1 days
(Instant or in 22 minutes)
API Verified

Last verified May 28, 2026 — source

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PayPalAvailable

Global online payments and money transfers

Fee:
3.49–4.99%
(3.49% for same-currency (EUR) receiving; 4.99% for cross-currency. SEPA zone.)
Transfer time:
24–72 days
(Typically 1–3 business days)
Docs Verified

Last verified May 29, 2026 — source

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GeegPayLimited

Virtual dollar accounts for African freelancers

Fee:
0–1%
(0.8% EUR withdrawal fee from virtual EUR account via SEPA. Receive-back channel — primarily for freelancers paid in EUR.)
Transfer time:
24–72 days
(Typically 1–3 business days via SEPA)
Limitations: Raenest virtual EUR account is for receiving client payments, not primary European banking. 0.8% withdrawal fee applies.
Docs Verified

Last verified May 29, 2026 — source

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Crypto & Stablecoin Options

  • Deel
    USDC

    USDC withdrawals available on Ethereum, Polygon, and Solana. Contractor selects crypto as a withdrawal method in the Deel dashboard. Minimum withdrawal and gas fee norms apply per network.