The currency is the Philippine peso (ECB indicative reference rate on 2026-07-16: 1 EUR = 70.667 PHP). Always pay and withdraw in PHP and refuse dynamic currency conversion; BDO charges ₱250 per ATM withdrawal on overseas-issued cards, Google Wallet is officially supported while Apple Pay does not list the Philippines for locally issued cards, and daily budgets run roughly ₱1,692 (budget) to ₱11,272 (luxury).
- The currency is the Philippine peso (PHP); about 70.7 PHP per 1 EUR at the time of research.
- Always choose PHP and refuse any conversion to your home currency offered by an ATM or terminal.
- BDO lists a ₱250 withdrawal fee for overseas-issued cards; check the on-screen fee at other banks.
- Google Wallet tap-to-pay is supported; Apple Pay is not reliably local for Philippine cards.
- Indicative daily budget: budget ~₱1,692, mid-range ~₱4,337, luxury ~₱11,272 per day.
- A cheap meal averages around ₱250 nationwide.
Money and payments
The currency is the PHP / Philippine peso. The ECB lists a reference rate of 1 EUR = 70.667 PHP as of 2026-07-16, but notes this is informational only and not a transactional rate - treat any displayed rate as indicative.
Refuse dynamic currency conversion, always. Visa describes DCC as the merchant or ATM converting the transaction into your home currency at the moment of payment, usually at a worse rate and with extra fees. The rule is blunt: choose PHP.
ATM fees vary by bank, so read the screen.
- BDO publishes it plainly: ₱250 per withdrawal on cards issued overseas.
- BPI and others document the foreign-card case less readably, and their general fee logic says withdrawal service charges can vary by bank or terminal owner. Verify on-screen before confirming.
Contactless wallets: check before you rely on one.
- Google Wallet / tap-to-pay is officially supported for the Philippines per Google Support.
- Apple Pay does not list the Philippines among supported countries for locally issued cards. A foreign card already added in a supported country may work in practice, but it is not a reliable local solution.
Indicative daily budgets, from fresh consolidated traveler data:
- Budget - about ₱1,692 / day.
- Mid-range - about ₱4,337 / day.
- Luxury - about ₱11,272 / day.
- An anchor price - Numbeo puts a cheap meal around ₱250 as a nationwide average, useful to sanity-check the daily figures.
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