CAD to PHP Exchange Rate & Bank Wire Fee Comparison (2026)
Convert Canadian Dollar (CAD) to Philippine Peso (PHP). The live interbank midpoint rate is 1 CAD = 42.0217 PHP. Compare hidden currency conversion spreads across major international wire systems.
CAD to PHP Real-Time Calculator
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CAD to PHP Historical Exchange Rates
Official central bank reference rates across 30-day, quarterly, and annual lookbacks.
| Period | Interbank Midpoint | Yield on C$1,000 | Trend / Variance |
|---|---|---|---|
| Today (Interbank Midpoint) | 1 CAD = 42.0217 PHP | ₱42,021.66 | Current Live Rate |
| 30 Days Ago | 1 CAD = 41.8536 PHP | ₱41,853.57 | +0.4% (Higher) |
| 90 Days Ago (Quarterly) | 1 CAD = 42.5259 PHP | ₱42,525.92 | -1.2% (Lower) |
| 180 Days Ago (Half-Year) | 1 CAD = 41.1392 PHP | ₱41,139.21 | +2.1% (Higher) |
| 1 Year Ago (52W Midpoint) | 1 CAD = 42.0217 PHP | ₱42,021.66 | +0.0% vs Annual Baseline |
CAD to PHP Delivery & Settlement Windows
Estimated delivery windows based on standard clearing rails and banking cut-off schedules.
Local Automated Clearing
Transfers settling through local domestic rails (InstaPay / PESONet) typically clear within hours during standard operating windows.
Correspondent Banking
Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.
Cut-off & Holiday Factors
Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.
Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (InstaPay / PESONet). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.
Global FX Market Trading Sessions & Real-Time Liquidity Clock
Live status of the four major international interbank wholesale currency dealing desks (UTC standard).
ℹ️ Market Operational Notice: Institutional trading sessions reflect international wholesale dealing hours. Retail bank wire transfers execute according to the sending and receiving commercial banks local business day cut-off calendars. For educational and liquidity timing analysis only.
Required Details to Wire CAD to PHP
Make sure you have these exact payment credentials before initiating your transfer.
Beneficiary Full Name
Exact match as registered on recipient bank account.
InstaPay / PESONet
IBAN, Account Number, or local domestic routing code.
SWIFT / BIC Code
8 or 11 character identifier of the recipient's bank branch.
Payment Reference
Invoice number or descriptive reference for AML compliance.
CAD vs PHP: Central Bank Policy & Inflation Matrix
Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.
Canadian Dollar (CAD)
Bank of Canada (BoC)
4.25%
Benchmark rate2.4%
Consumer pricesPhilippine Peso (PHP)
Bangko Sentral ng Pilipinas (BSP)
6.0%
Benchmark rate3.3%
Consumer pricesMacroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Bank of Canada (BoC), Bangko Sentral ng Pilipinas (BSP)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.
CAD to PHP: Purchasing Power Parity (PPP) & Inflation Simulator
Simulate real consumer purchasing power erosion across cumulative central bank CPI inflation lookbacks.
To match the domestic purchasing power of C$1,000 from 2020, you need:
C$1,258.26 CAD
Based on cumulative Bank of Canada (BoC) CPI figures.
Converting that baseline principal today at current interbank spot (1 CAD = 42.0217 PHP) yields:
₱42,021.66 PHP
Without real purchasing power adjustment.
True purchasing power parity target in PHP to preserve original basket consumption:
₱52,863.25 PHP
Reflects bilateral real exchange rate parity.
Relative inflation differential between CAD and PHP indicates historical purchasing power trajectory.
⚖️ Purchasing Power Parity (PPP) & Inflation Notice: Real purchasing power calculations are modeled from national Consumer Price Index (CPI) datasets published by official statistical bodies and IMF World Economic Outlook benchmarks. Compound inflation adjustments reflect representative consumer basket indices and do not guarantee specific commodity, asset, or real estate values. Provided strictly for educational and macroeconomic comparative analysis.
CAD to PHP Historical Exchange Rate Chart
Real-time interbank rate trajectory across standard historical observation periods.
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₱42.0217
⚖️ Historical Data Disclaimer: Historical exchange rate trajectory is synthesized from official central bank reference fixes and interbank mid-market fixes. Past foreign exchange movements do not predict future trends. For informational, educational, and analytical benchmarking purposes only.
52-Week Exchange Rate Position
Compare Wire Transfer Costs: CAD to PHP
Estimates based on standard retail bank margins vs direct interbank rail settling.
Direct Midpoint Rail
0.0% Rate Markup (Interbank)
₱42,021.66
Maximum Yield
Commercial Banks
~3.2% Hidden FX Margin
₱872.53
-Lost to Hidden Margin
Global Wallets
3.5% Currency Spread
₱887.41
Closed loop balance
Cash Remittance
Retail Spread + Cash Fee
₱896.12
Physical cash pickup
Traditional Bank Wire Cost Itemization (CAD to PHP)
See how retail banks charge upfront wire fees, SWIFT intermediary deductions, and currency markup.
Fixed outgoing international wire tariff charged by retail banks.
Charged by routing banks under standard SWIFT SHA/BEN clearing rules.
Typical 2.8% markup added on top of the interbank midpoint.
🔒 Benchmarking Methodology & Regulatory Notice: The simulated fee itemization reflects empirical retail banking wire pricing standards reported under the G20 Financial Stability Board cross-border payment targets and World Bank Remittance Prices Worldwide dataset. SWIFT correspondent deductions depend on whether the transfer is initiated as OUR, SHA, or BEN, and intermediary routing hops. WireCompare is an independent analytical benchmark engine, not a regulated bank.
CAD to PHP Fast Conversion Matrix
Direct interbank rate values compared against typical commercial bank payouts.
🇨🇦 CAD to 🇵🇭 PHP
1 CAD = 42.0217 PHP| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| C$1 CAD | ₱42.02 PHP | ₱0.00 | -₱814.88 |
| C$5 CAD | ₱210.11 PHP | ₱0.00 | -₱820.26 |
| C$10 CAD | ₱420.22 PHP | ₱0.00 | -₱826.99 |
| C$25 CAD | ₱1,050.54 PHP | ₱203.38 | -₱847.16 |
| C$50 CAD | ₱2,101.08 PHP | ₱1,220.31 | -₱880.77 |
| C$100 CAD | ₱4,202.17 PHP | ₱3,254.16 | -₱948.01 |
| C$250 CAD | ₱10,505.42 PHP | ₱9,355.70 | -₱1,149.71 |
| C$500 CAD | ₱21,010.83 PHP | ₱19,524.94 | -₱1,485.89 |
| C$1,000 CAD | ₱42,021.66 PHP | ₱39,863.43 | -₱2,158.23 |
| C$5,000 CAD | ₱210,108.31 PHP | ₱202,571.30 | -₱7,537.01 |
| C$10,000 CAD | ₱420,216.61 PHP | ₱405,956.14 | -₱14,260.47 |
🇵🇭 PHP to 🇨🇦 CAD (Reverse)
1 PHP = 0.0238 CAD| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| ₱1 PHP | C$0.02 CAD | C$0.00 | -C$0.46 |
| ₱5 PHP | C$0.12 CAD | C$0.00 | -C$0.46 |
| ₱10 PHP | C$0.24 CAD | C$0.00 | -C$0.47 |
| ₱25 PHP | C$0.59 CAD | C$0.12 | -C$0.48 |
| ₱50 PHP | C$1.19 CAD | C$0.69 | -C$0.50 |
| ₱100 PHP | C$2.38 CAD | C$1.84 | -C$0.54 |
| ₱250 PHP | C$5.95 CAD | C$5.30 | -C$0.65 |
| ₱500 PHP | C$11.90 CAD | C$11.06 | -C$0.84 |
| ₱1,000 PHP | C$23.80 CAD | C$22.57 | -C$1.22 |
| ₱5,000 PHP | C$118.98 CAD | C$114.72 | -C$4.27 |
| ₱10,000 PHP | C$237.97 CAD | C$229.89 | -C$8.08 |
42.0217
1 CAD = ₱42.0217
0.0238
1 PHP = C$0.0238
40.3408 - 43.7025
Annual volatility band
InstaPay / PESONet
Clearing rail for PHP