CAD to PHP today: Canadian dollar to Philippine peso
1 Canadian dollar = ₱44.4414, and ₱1,000 buys 22.50 CAD. On a typical 200 CAD transfer from Canada (₱8,888 today), the cheapest firm in the World Bank's Q3 2025 survey keeps ₱51.55 and the dearest ₱509.30. Against 16 Oct 2025, when it was ₱41.3516, 1,000 CAD brings ₱3,089.81 more (1,000 × ₱3.0898). Next: pick a firm from the cost table, then collect at a BSP-registered office near you (offices by province).
Rate: BSP Reference Exchange Rate Bulletin, 16 Oct 2026. Working: US$0.7049 per CAD × ₱63.0490 per US$ = ₱44.4414.
1 CAD = ₱44.4414 · ₱1 = 0.0225 CAD · official rate (BSP bulletin), 16 Oct 2026
The converter applies the 16 Oct 2026 rate with no fee or spread. Cross-check: the ECB euro reference rates of 16 Oct 2026 give ₱44.4669 per CAD (₱70.8580 per euro ÷ 1.5935 CAD per euro), 0.06% above the BSP figure. The ECB fixes around 14:10 CET, while BSP uses New York closes of 15 Oct 2026, so the two are taken at different times. Changing pesos into Canadian dollars instead? PHP to CAD has bank selling rates.
What sending CAD to the Philippines costs
World Bank Q3 2025 survey, Canada: 14 firms priced a 200 CAD transfer (about US$200, ₱8,888 today) at 0.58% to 5.73% of the amount, fee and rate margin together, 3.55% on average. The gap between the two ends is ₱457.75 per transfer (5.15% × ₱8,888.28).
| Firm | Paid out as | Speed | Fee (CAD) | Rate margin | Total cost | Pesos lost | Cost on US$500 |
|---|---|---|---|---|---|---|---|
| XoomMoney Transfer Operator | Cash | Less than one hour | 1.99 | -0.42% | 0.58% | ₱51.55 | -0.02% |
| WorldRemitMoney Transfer Operator | Mobile wallet | Less than one hour | 1.99 | 0.42% | 1.42% | ₱126.21 | 0.82% |
| MoneyGramMoney Transfer Operator | Cash | Less than one hour | 3.49 | 0.11% | 1.86% | ₱165.32 | 0.81% |
| WiseMoney Transfer Operator | Bank account | Less than one hour | 3.63 | 0.08% | 1.90% | ₱168.88 | 1.42% |
| Royal Bank of CanadaBank | Bank account | 2 days | 0.00 | 2.10% | 2.10% | ₱186.65 | 2.10% |
| RemitBeeMoney Transfer Operator | Cash | Next day | 2.99 | 0.64% | 2.14% | ₱190.21 | 0.64% |
| RiaMoney Transfer Operator | Cash | Less than one hour | 3.50 | 0.85% | 2.60% | ₱231.10 | 1.55% |
| Western UnionMoney Transfer Operator | Cash | Less than one hour | 3.99 | 0.82% | 2.82% | ₱250.65 | 1.82% |
| RemitlyMoney Transfer Operator | Cash | 3-5 days | 4.99 | 0.82% | 3.32% | ₱295.09 | 1.82% |
| Metro RemittanceMoney Transfer Operator | Bank account (partner) | 3-5 days | 8.00 | -0.03% | 3.97% | ₱352.86 | 1.77% |
| Reliable Peso RemitMoney Transfer Operator | Bank account | 2 days | 10.00 | -0.20% | 4.80% | ₱426.64 | 1.80% |
| iRemitMoney Transfer Operator | Bank account | Next day | 10.00 | 0.03% | 5.03% | ₱447.08 | 2.03% |
| PNB Global RemitBank | Bank account | Next day | 11.00 | -0.35% | 5.15% | ₱457.75 | 1.85% |
| ScotiaBankBank | Cash | 2 days | 7.00 | 2.23% | 5.73% | ₱509.30 | 4.23% |
Canada to the Philippines, 200 CAD, surveyed 18 Aug 2025 to 28 Aug 2025. Cheapest product per firm.
Source: The World Bank, Remittance Prices Worldwide, available at http://remittanceprices.worldbank.org (CC BY 4.0). Pesos lost = total cost × the amount in pesos at today's rate. A negative cost means the firm paid out more than the market rate on the survey day.
Check a quote against the official rate
Type the CAD amount and the pesos your app or counter promises; the checker shows what the rate and fee cost you in pesos. If the gap is wide, try another firm before you send. The Q3 2025 survey average above, 3.55%, is a fair yardstick.
- What this transfer costs you against the official rate
- ₱333.31 (1.50%)
- At the official rate
- ₱22,220.71
- Provider's effective rate
- ₱43.7748
Rate used: 1 CAD = ₱44.4414, 16 Oct 2026. Cost = value at that rate minus the pesos that arrive, plus the fee converted at the same rate.
Converting CAD at a Philippine bank
CAD to PHP over 30, 90 and 365 days
| Period to 16 Oct 2026 | High | Low | Average | Change |
|---|---|---|---|---|
| 30 days 23 rates | ₱45.160616 Sep 2026 | ₱43.947213 Oct 2026 | ₱44.3203 | -1.59%from ₱45.1606 |
| 90 days 64 rates | ₱45.38529 Sep 2026 | ₱43.32457 Aug 2026 | ₱44.3094 | +1.21%from ₱43.9091 |
| 365 days 245 rates | ₱45.38529 Sep 2026 | ₱41.341717 Oct 2025 | ₱43.4511 | +7.47%from ₱41.3516 |
Pesos per 1 CAD. Change = (today − start of period) ÷ start of period. One value per BSP banking day from the BSP daily peso cross-rate series and bulletins.
CAD and PHP amounts, both ways
CAD to PHP
| 1 CAD | ₱44.4414 |
|---|---|
| 5 CAD | ₱222.21 |
| 10 CAD | ₱444.41 |
| 50 CAD | ₱2,222.07 |
| 100 CAD | ₱4,444.14 |
| 108 CAD | ₱4,799.67 |
| 500 CAD | ₱22,220.71 |
| 1,000 CAD | ₱44,441.41 |
| 1,125 CAD | ₱49,996.59 |
| 2,200 CAD | ₱97,771.11 |
| 5,000 CAD | ₱222,207.06 |
| 6,000 CAD | ₱266,648.47 |
| 8,000 CAD | ₱355,531.29 |
| 55,000 CAD | ₱2,444,277.64 |
Each row: amount × ₱44.4414, the 16 Oct 2026 rate, before fees.
PHP to CAD
| ₱100 | 2.25 CAD |
|---|---|
| ₱500 | 11.25 CAD |
| ₱1,000 | 22.50 CAD |
| ₱2,000 | 45.00 CAD |
| ₱5,000 | 112.51 CAD |
| ₱10,000 | 225.02 CAD |
| ₱50,000 | 1,125.08 CAD |
Each row: pesos ÷ ₱44.4414, before fees. Sending one of these amounts? Test the pesos promised in the quote checker.
Receiving CAD transfers in the Philippines
Cash remittances from Canada reached US$1.25 billion in 2025 (BSP, preliminary).
The 14 surveyed firms offer 37 ways to send on this corridor: 24 pay out as cash for pickup, 10 pay out into a bank account, 3 pay out to a mobile wallet; 16 arrive in less than an hour. Cash pickup works at BSP-registered remittance agents, pawnshops and banks; a bank or e-wallet credit saves the trip.
If you hold CAD cash, BPI's posted buying rate is ₱43.8480 (16 Oct 2026, 4:26 PM) and Metrobank buys notes at ₱42.5000 (16 Oct 2026, 9:33 AM). Find a registered office near you on the remittance centres by province page, compare e-wallet cash-in and cash-out fees, and check the InstaPay and PESONet fee before moving the pesos to your bank.
How Philippine tax treats CAD you receive
- Money family abroad sends you is not part of your gross income: gifts are excluded under NIRC Sec. 32(B)(3), and an OFW's pay earned abroad is not taxed here under Sec. 23(C). Money paid to you for work is income in any currency. More: are remittances taxable?
- OFW remittances are exempt from documentary stamp tax when the recipient shows the OFW's OEC or OWWA certificate (RA 8042 Sec. 35 as amended by RA 10022). More: documentary stamp tax.
- Kept in a foreign currency deposit, the interest of a resident is taxed at a 20% final tax since 1 July 2025 (RA 12214, CMEPA). More: final tax.
- A business converts CAD amounts at the BSP rate on the transaction day, is taxed on forex gains only when realized, and loses other rates in an audit unless it filed the sworn statement (BIR RMC 12-2024). More: income tax.
CAD to PHP questions
How much is 2,000 CAD in Philippine pesos?
2,000 × ₱44.4414 = ₱88,882.82 at the 16 Oct 2026 rate, and 10,000 CAD is ₱444,414.12. What arrives is lower by the provider's fee and rate margin.
What is the highest CAD to PHP rate?
In the three years to 16 Oct 2026 the highest daily value was ₱45.3852 on 9 Sep 2026 and the lowest ₱39.6165 on 3 Feb 2025. By monthly average, the highest since January 1978 was ₱47.7408 in June 2006. Source: BSP daily peso cross rates.
Will the Canadian dollar go up against the peso?
Nobody can know that in advance. It moves with interest-rate decisions of the BSP and the central bank of Canada, trade and remittance flows, and global risk appetite. Over the last year it ranged from ₱41.3417 (17 Oct 2025) to ₱45.3852 (9 Sep 2026).
Why does my bank or app give less than ₱44.4414?
This is a reference rate with no spread. Banks buy below it: BPI posted ₱43.8480 per CAD (16 Oct 2026, 4:26 PM) and Metrobank posted ₱44.0700 per CAD (16 Oct 2026, 9:33 AM). Remittance firms add a fee and a rate margin; compare the pesos that arrive. Source: BPI rates page.
Which rate applies on a weekend or holiday?
The Friday 16 Oct 2026 bulletin, generated by the BSP at 08:38 AM, stays the reference until the next one, Monday 19 Oct 2026 at the earliest (later if that is a holiday). Banks and apps keep setting their own rates in between. Source: BSP exchange rate page.
Does the sender owe tax on a large gift from Canada?
Possibly. Donor's tax is 6% of a donor's total gifts above ₱250,000 in a calendar year (NIRC Sec. 99 as amended by RA 10963), and the sender owes it, not the recipient. At the 16 Oct 2026 rate, ₱250,000 is 5,625.38 CAD. Source: RA 10963 (TRAIN), Sec. 99.