The PayPal CAD to PHP rate is 37.6. This is -5.8% below the mid-rate. Compare PayPal currency conversion rates - Reduce FX costs.
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The PayPal CAD to PHP exchange rate is 37.6. This is -5.8% compared to the latest CAD-PHP mid-market rate 39.91.
As exchange rates can vary significantly between banks and also between currency exchange providers, it's therefore important to carefully compare Canadian dollar (CAD) to Philippine peso (PHP) rates from different sources before making a conversion.
The PayPal Loonie to Peso comparison table above makes it easy to compare the Total Fees (both variable and fixed) you are being charged by PayPal and other foreign exchange providers against the latest CAD-PHP mid-rate (see Market Data below ) and the possible savings of using various providers.
When you use the PayPal to make a foreign transfer the total cost will depend on how you pay, but generally you will be charged between 4%-7% percent of the total amount being converted depending on how you pay.
When you use a debit/credit card to pay for your transfer you will be charged an extra 3% when you load your PayPal wallet.
How is the PayPal exchange rate calculated?
The base foreign exchange rate at which PayPal obtains foreign currency is determined by 3rd party financial institutions, and are adjusted regularly based on market conditions. The exchange rate that PayPal then provides you also includes a processing fee above the base rate.
The exchange rate provided by PayPal is fixed for each currency and does not change for small or large amounts.
If you use your credit card to send a payment, you can usually opt to use your credit card provider’s conversion rate instead of PayPal's.
If you choose to use MasterCard or Visa’s exchange rate, the applied conversion rate will be shown on your credit card statement, and not at the time of the transaction.
When you use the PayPal App in the US to send a payment to a different currency, you will be using Xoom, a PayPal Service.
Canadian dollar (CAD) to Philippine peso (PHP) market data - latest interbank exchange rate, trend, chart & historic rates.
| Date | CAD/PHP | Change | Period |
|---|---|---|---|
01 May 2025 | 40.35 | 1.1% ▼ | 2 Week |
14 Feb 2025 | 40.73 | 2% ▼ | 3 Month |
15 May 2024 | 42.29 | 5.6% ▼ | 1 Year |
16 May 2020 | 35.89 | 11.2% ▲ | 5 Year |
18 May 2015 | 36.67 | 8.8% ▲ | 10 Year |
20 May 2005 | 43.20 | 7.6% ▼ | 20 Year |
Here are some popular conversion amounts for CAD to PHP (Canadian dollar to Philippine peso)*.
*Converted at the current CADPHP interbank exchange rate. Calculate actual payout amounts for Send Money and Travel Money exchange rates.
The Canadian dollar (CAD) has recently faced downward pressure due to declining oil prices, and analysts suggest that this trend may continue. As a commodity-linked currency, the CAD is highly sensitive to fluctuations in oil prices, with current rates near $66.09 per barrel—4.3% below its three-month average of $69.06. This drop has contributed to an overall depreciation of the loonie, which is currently trading at 39.97 PHP, just 0.9% below its three-month average of 40.33 PHP and within a stable range between 39.71 and 41.25 PHP.
Read our full review of recent CAD to PHP forecasts.
There are several ways to save on exchange rates when converting Canadian dollar to Philippine peso:
Generally speaking, if you are buying Philippine peso with Canadian dollar, then it's better for the CAD/PHP exchange rate to be higher.
However working against you are the fees all foreign exchange providers charge for providing their service. These fees is usually contained within the exchange rate margin (or difference to the mid-rate).
The transaction margin you end up being charged can be considerably reduced by around a few percent (of total amount being exchanged) for travel money and possibly over 5% to 6% when sending money. The exact potential savings depends on the currencies being exchanged and the amount you are transferring and if you are willing to shop around.
Our real-time foreign transfer and travel money/cards comparison calculators make shopping around easy and help you calculate how much you can save.
Read our Currency guide to Philippines — a practical currency and money guide to travel in Philippines plus living and doing business with the Philippine peso.
It's worth noting that while these tips can help you save on exchange rates, it's important to be aware that no single method is guaranteed to provide the best exchange rate in every situation, and it may require some research and comparison-shopping to find the best option for your specific needs.
It is almost impossible to predict what an exchange rate will do in the future, the best approach is to monitor the currency markets and transact when an exchange rate moves in your favour.
To help with this you can add CAD/PHP to your personalised Rate Tracker to track and benefit from currency movements.
Rather than requiring you to set a target rate, our Rate Alerts keep you informed of recent trends and movements of currency pairs.
Add rates to your Rate Tracker and select to receive an daily email (mon-fri) or when a rate is trending
| Canada (CAD) | Philippines (PHP) |
The cost of living in Philippines is relatively low compared to other countries. Rent, food, and transportation are all relatively inexpensive.
The expat life in Philippines can be quite comfortable. There is a wide variety of housing options available, from apartments to villas. Many expats live in gated communities with security guards. The cost of living is relatively low, and there are a number of good schools to choose from. English is widely spoken, which makes communication easy.
There are many laws that foreigners should be aware of in the Philippines. Some of these laws include the following:
The foreigner must obtain a visa before entering the Philippines.
The foreigner must obtain a residence permit before living in the Philippines for more than three months.
The foreigner must obtain a work permit before working in the Philippines.
The foreigner must register with the Philippine Bureau of Immigration if he or she plans to stay in the Philippines for more than 60 days.
In general, doing business in the Philippines is fairly easy. The country has a well-developed infrastructure and a relatively stable political environment. Businesses are generally free to operate without too much government interference. However, there are some bureaucratic procedures that can be time-consuming. Additionally, crime is a serious problem in the Philippines and businesses may be targets for theft or other crimes.
The Philippines has a mixed economy in which the government plays a regulatory role in ensuring that businesses operate fairly and equitably. The country is abundant in natural resources and labor, and its agricultural and manufacturing industries are growing. However, the Philippines faces challenges in terms of infrastructure, corruption, and poverty.
Read more at our Philippines (PHP) country guide
Forecasts disclaimer: Please be advised that the forecasts and analysis of market data presented on BestExchangeRates.com are solely a review and compilation of forecasts from various market experts and economists. These forecasts are not meant to reflect the opinions or views of BestExchangeRates.com or its affiliates, nor should they be construed as a recommendation or advice to engage in any financial transactions. Read more
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