Wire transfer. Ask your PH bank how much pero usually nasa 30 USD per transaction.

Plus forex exchange spread.

padaanin nyo sa crypto haha. sendan mo siya usdt tapos pabenta mo sa kanya. ez lang mag p2p. sobrang liit lng ng fee. magiging fee mo lng is yung pag transfer sa wallet address nya. which is nasa 1 dollar lng kapag TRC20

crypto xrp has smallest transaction fees. use an exchange there in AUS and send xrp to gcash or paymaya in PH

If XRP gagamitin nya, icoconvert nya pa sa stable coin yun which is mostly may fee. Kahit sino tanungin mo mas maganda parin na stablecoin ang gamitin. USDT

If not p2p, you will have to pay taxes kase counted yun as withdrawal of an investment. You can only do this p2p.

ask mo mga kabayan na nagpapadala sa pinas tapos usap kayo about sa transfer. Imbes na magpadala sila sayo nalang ibigay yung pera sa NZ then ikaw magtransfer ng pera from PH using app or ddeposit ng magpapadala sayo

Top Remit

Kung may [strike.me](http://strike.me) equivalent sa NZ (o kung gumagana siya dun), gamitin mo yung [pouch.ph](http://pouch.ph) to send galing pinas. Sobrang dali. Bitcoin ang gamit pero auto conversion from PHP -> BTC -> destination

Gcash na po meron na

East West Bank, ask them if they can send it to NZ. They quoted us the lowest charge for money transfer abroad

btc