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Send money to Philippines
Find the best way to transfer money from Australia to Philippines.
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Looking for the best way to send money from Australia to family, friends or businesses in Philippines (or even to your own bank account)? Don't head straight to your Australian bank - turn to online money transfer services instead. They nearly always offer better exchange rates and lower fees - which means for the same amount of dollars you send, the recipient will receive more pesos.
Compare ways of sending money to Philippines
Use our table below to compare services that send money from Australia to Philippines. Compare the money transfer providers' fees and speeds, then click "Go to site" when you've found the best one to send your Australian Dollars to Philippines.
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How to send money to Philippines from Australia
Here's our simple process for sending a money transfer to Philippines as a cash pickup or bank transfer - the two options are similar:
- Compare your options. Use our table above to find a money transfer provider that sends AUD to Philippines. One may be better for cash pickups while another might be better suited to a bank transfer. Once you've found the best one for your requirements, click Go to site.
- Register for an account. You'll need to give your name, address, contact details, proof of ID and method of payment.
- Provide recipient details. Enter your recipient's name and contact information. If you're sending straight to their Filipino bank account, you'll need the account number, SWIFT or IBAN plus their bank branch's address.
- Enter the transfer amount. Check you're happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Many services give the amount of Philippine Peso your recipient should receive, so double check this.
- Complete your transfer. Send your money transfer to Philippines. Keep any reference number safe so you can track your transfer - your recipient may need it too.
If you send to a Filipino bank account, your recipient just needs to wait for the funds to arrive. For a cash pick up, your Filipino recipient will need to show some form of photo ID in order to pick up the funds. It's also important that you give them the transaction reference number to streamline the process.
Ways to send and receive money
How to decide which option is best for you to send money to Philippines.
- Bank deposit. Most major banks in Australia let you wire money to banks in Philippines. However, you might get weaker exchange rates and pay higher fees all for the privilege of a slower transfer.
- Online money transfer services. Online companies like make international money transfers to Philippines easy with bank transfers or cell phone top ups often offered as easy delivery options.
- Transfer agents across Australia. Many transfer providers have locations dotted all across Australia, making it easy for you to send money that can be easily picked up in similar agent locations in Philippines.
- Cheques and money orders. If speed is not an issue, you can always pick up an international cheque from your bank or Australia Post to send to Philippines.
- Cash pick-up. you to collect cash, even if you don't have a bank account in Philippines.
- Bank deposit. If you have a Filipino bank account, you can have money transferred directly into this without having to make any trips to a money transfer agent location.
- PayPal. The Xoom app allows you to receive money from Australia onto your cell phone, into your Filipino bank account, or as a cash pick-up.
- Cheques and money orders. Both personal cheques and money orders can be sent directly to you where you live but these tend to be the slower options.
What documents do I need to transfer money to Philippines?
To send money from Australia to Philippines, you'll need the following:
1. Photo identification
Most providers require a driver's license, passport or other Australian government-issued ID. You can send transfers without the above but may need to give alternate ID instead.
2. Payment method
Your options depend on the provider's services. Popular methods include cash, debit or credit card payments, bank account transfers and personal cheques.
3. Recipient information
You'll need their name (matching their ID) plus contact details. If sending to a Filipino bank account, you'll need the a/c number, SWIFT and branch details.
What documents do I need to receive money in Philippines?
To collect money in person in Philippines, the recipient will need:
1. Transfer number
The reference number - sometimes called a PIN, MTCN or tracking number.
2. Government-issued ID
A official ID, such as a Filipino passport or driving license.
3. The transfer amount
To know how much has been sent, usually to within 10% of the total.
4. Sender information
The sender's name and address and the country from where the money was sent.
How much does it cost to send money to Philippines from Australia?
The cost of sending money to Philippines from Australia depends on the exchange rate between AUD to PHP, the fees, how you want your recipient to receive your transfer and the turnaround time:
- Exchange rates. The mid-market rate is the rate banks and transfer services use to trade between one another. It is the best rate that you can get. But not all money transfer providers offer you this mid-market rat so compare the exchange rate you're offered to the mid-market rate and look for the smallest difference.
- Transfer fees. Are you being charged a flat fee or a percentage of your transfer amount? For example, a provider offering to transfer your money to Philippines for a flat or low fee might work out better if you plan to send a large amount.
- Transfer speed. If you need your transfer to arrive quickly, you can pay for a quick delivery. Companies such as offer instant cash pickups but may charge more. If you're not in a rush, online money transfer services can offer the best value, usually getting your money to Philippines faster and cheaper than banks.
- Transfer limits. Find out how much you can send with each service. For example, one provider may have a send limit of $10,000 while another may allow you to transfer up to $1 million. For smaller transfers, check the fees. For large transfers, look harder at the exchange rate. Some providers encourage large transfers with low fees.
- Transfer type. Does your recipient have a Filipino bank account or is cash or cell phone top up the better option? Each transfer type will have different fees. For example, instant cash pickups tend to be more expensive than bank transfers.
- Discounts. Some providers may offer you a free transfer simply for signing up while others may offer you a discount if you transfer more than a certain amount.
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Ask an Expert
Which is the BEST service to use for transfer into a bank account in the Philippines … taking into consideration the exchange rate and fees involved ?
Hi Jackie,
Thanks for your question.
Unfortunately, as a comparison website, we are unable to recommend specific products to our users.
On our comparison table above, there are two options for transferring to a bank account in the Philippines. The Citibank Plus Everyday Account and the WorldRemit International Money Transfers.
Unfortunately, our calculator is unable to compute how much your recipient will receive if you send a particular amount. You’ll have to directly go to the provider’s website to calculate the actual rates and fees.
Cheers,
Anndy
I need to send money from Australia to Philippines as a cash pick up. What are my options
Hi William,
Thanks for your question.
There are a few international money transfers with cash pickup option to the Philippines. You can submit your recipient’s contact information, the amount you’re looking to send and other details at a money transfer location near you or through their website.
Cheers,
Shirley
hello how can i track world remit cebuana lhuillier ? WORLDREMIT sent me text message with the control number but the girl said control number is invalid ?
Hi Janeviel,
Thanks for your question.
Airtime transfers should be instant – if this isn’t the case please get in touch with WorldRemit directly by clicking ‘Go to site’.
Cheers,
Shirley
my friend send me money through WORLDREMIT CEbuana Lhiullier (Metrobank Transaction) on DEc.1 but then when i come to the Cebuna Outlet here , its says the control number invalid nothing found on the control number WORLDREMIT texted me and that text i give it to the Cebuna but as they told me many times no money in that control number totally invalid , all outlet i come all says its INVALID!!! i talk them personally and the manager here its INVALID!!. my friend already contact worldremit but then nothing happen What is the problem??? **********
Hi Janeviel,
We’re sorry to hear about your experience with Worldremit. As we are not Worldremit unfortunately we do not know what the problem is.
If you’ve quoted the reference “WorldRemit” and your transaction number (the one that your friend has received) and it still hasn’t arrived, please speak to Worldremit directly on: +61 2 6145 2161.
It might be worth checking with your friend that he or she has put in the correct details.
Cheers,
Shirley
I am here in turkey. How can i send money through this FINDER .com , is it have here in turkey?
Hi Yasemine,
Thank you for your inquiry.
Please know that you are viewing the Finder Australia page for ways you can send money from Australia to the Philippines and the options provided may not be relevant to you. You may compare available money transfer providers we have on our page and check if they can work within Turkey. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you initiate a money transfer.
Regards,
Jodie
why NO calculation or calculator for Australian dollar to Philippines peso?
Hi Gabriel,
thanks for the feedback.
We’re working hard to expand our calculator in the near future to offer the ability to calculate transfers from AUD to PHP. Thanks for using our service in the meantime.
Cheers,
Marc.