How to send money to the Philippines

Need to send money to the Philippines? Find the best way to move your money internationally from Australia.

Marc Terrano

Last updated: 29 July 2019

When sending money to the Philippines, all you need to do is follow a few simple steps:

Compare services in the table below that can send your dollars to pesos.
Choose one and sign up for an account.
Add in the transfer details, including who you want to send it to and how much.
Confirm your exchange rate and pay.

International Money Transfer Offer

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International Money Transfer Offer

Send money to 110+ countries for bank deposit, instant e-wallet, mobile top-up or cash pickup at 30,000+ agent locations worldwide.

Minimum transfer amount: $1
Maximum transfer amount: $50,000
Online transfer fee: $3.99
Cash pick up available.

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Compare international money transfer services to the Philippines

Use our comparison calculator to assess transfer fees, exchange rates and other details for sending funds to the Philippines with a money transfer service.

I want to send

Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
AUD 2,000	1 day	N/A	N/A	N/A	Better exchange rates for Finder customers. Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 2,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Chat, Email Available currencies AED, AUD, BBD, BGN, BHD, BWP, CAD, CHF, CLP, COP, CZK, DKK, EGP, EUR, FJD, GBP, HKD, HRK, HUF, IDR, ILS, INR, JMD, JOD, JPY, KES, KRW, KWD, LKR, MAD, MUR, MXN, MYR, NOK, NPR, NZD, OMR, PEN, PHP, PKR, PLN, QAR, RON, RUB, SAR, SEK, SGD, THB, TND, TRY, TTD, TZS, UGX, USD, VND, XCD, ZAR Go to site Read the full review
AUD 250	1 - 2 days	AUD 15.00	35.366	PHP 34,836	$0 transfer fees for Finder customers. No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 250.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, AZN, BGN, BND, CAD, CHF, CNY, CZK, DKK, EGP, EUR, FJD, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, LKR, MAD, MGA, MXN, MYR, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, RUB, SAR, SBD, SCR, SEK, SGD, THB, TOP, TRY, TWD, TZS, USD, VEF, VND, VUV, WST, XOF, XPF, ZAR Go to site Read the full review
AUD 200	1 - 2 days	AUD 5.00	35.465	PHP 35,288	Exclusive: Finder customers receive $15 off their first transaction. T&Cs apply. Quick and simple international money transfers with zero-margin exchange rates. There's a flat 0.5% transfer fee for most transfers. Earn loyalty points on sign up, referral and every transaction.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 200.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options One off payments Customer service Phone, Chat, Email Available currencies AUD, BDT, CAD, CNY, DKK, EUR, GBP, HKD, IDR, INR, LKR, MYR, NPR, NZD, PHP, PKR, SGD, THB, USD, VND Go to site Read the full review
AUD 1	Within an hour	AUD 3.99	35.366	PHP 35,225	An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Email Available currencies AED, ALL, AMD, ANG, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, MAD, MDL, MGA, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UAH, UGX, USD, UYU, VND, WST, XAF, XCD, XOF, ZAR, ZMW, BYN Go to site Read the full review
AUD 250	1 day	AUD 0.00	35.047	PHP 35,047	Sign up through Finder and get a $50 Myer gift card when you send $10,000 or more. T&Cs apply. SendFX guarantees to match any competitor's exchange rate. Fee-free transfers in 30+ currencies to over 200 countries.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 250.00 Transfer methods Online, Bank Account to Bank Account Transfer options Regular payments, One off payments, Forward contracts Customer service Phone, Email Available currencies AED, AUD, BGN, BHD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, KES, KWD, MXN, NOK, NZD, OMR, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
AUD 200	1 day	N/A	N/A	N/A	TorFX guarantees to match any competitor's exchange rate. Conditions apply. Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 200.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, JPY, NOK, NZD, PLN, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
AUD 3,000	1 day	N/A	N/A	N/A	Global Reach will match any competitor's exchange rates. Conditions apply. No transfer fee when transferring more than £10,000 or equivalent. Send money in over 130 currencies. No maximum transfer amount.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 3,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Chat, Email, Branch Available currencies AED, AUD, BBD, BGN, BHD, BSD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, GHS, HKD, HRK, HUF, ILS, INR, JPY, KES, KWD, KYD, MUR, MXN, NOK, NZD, PHP, PLN, RON, RUB, SDG, SEK, THB, TRY, UGX, USD, XCD, ZAR Go to site Read the full review

Compare up to 4 providers

The "Rate" and "Amount Received" displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention "Finder" before you commit to a brand.

How to compare transfer companies when sending money to the Philippines

Exchange rates. Nearly all providers skew exchange rates for a profit. Compare the rate you’re offered to the mid-market rate – the rate banks and transfer services use when they trade among themselves – and look for the smallest margin between them.
Transfer fees. Find out whether the provider charges a flat fee or a percentage of your transfer. If you’re sending a large amount, ask whether you qualify for a fee-free transfer.
Transfer speed. If it needs to be there fast, companies like Western Union and MoneyGram allow for quick cash pick-ups, often in minutes. If you’ve more time, you’ll get better rates and fees with an independent provider.
Transfer limits. Your best option might depend on how much you want to send. For large transfers, weigh the best exchange rate — especially since providers encourage large transfers by offering low fees. For smaller amounts, consider the fees you’ll pay on top of the exchange rate.
"Hedging" options. Ask whether you can schedule payments ahead of time or protect your transfer against market fluctuations with a limit order or forward contract.
Delivery options. Can the cash be collected from a transfer agent, or will it be deposited into your recipient’s Philippines bank account?
Customer service. Most companies offer customer service by Internet chat, phone, in person or by email. Make sure help will be available if you need it.

Foreign exchange rates explained

An exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it yields more money when exchanging it in a country with a weak currency. The Philippine peso has historically been one of the weaker currencies in Asia. Economic stability, inflation and regional politics all impact the Philippine peso’s value.

Today's exchange rate AUD to PHP

AUD to PHP: Historical rate chart

Updated: 26 Aug 2019 10:32:43 UTC

What are the ways I can send money to the Philippines?

The Philippine peso is traded regularly on global currency markets, which means you have plenty of options to choose from when looking to send money to the Philippines. These include the following:

Bank transfers. Many Australian banks will let you send funds to the Philippines, though you should keep an eye out for poor exchange rates and high fees.
Money transfer providers. Specialist money transfer services like WorldRemit and TransferWise offer fast and affordable international money transfers.
Providers with cash pick-up. MoneyGram and Western Union offer fast transfers that you can pick up from a number of agent locations across the Philippines.
PayPal. PayPal offers secure international transfers from Australia to the Philippines if both you and your recipient have an account.
International money orders. Although not a quick option, you can choose to post an international guaranteed cheque from your bank.

Banks versus money transfer companies

Many major Australian banks offer the option to send funds to the Philippines, but they typically charge high transfer fees and offer exchange rates that are significantly lower than the mid-market rate (or the rate banks and transfer providers use when trading among themselves).

A reputable money transfer specialist can often offer better exchange rates and also charge lower fees, saving you money and putting more Philippine pesos into your recipient’s pocket.

Example: Paul sends money to the Philippines

Paul wants to send a gift of AUD$1,500 to his cousins in the Philippines, but he knows that using his bank to do so will be unnecessarily expensive. With this in mind, he decides to compare the exchange rate and fees of his bank with those offered by a specialist money transfer company. The results of his comparison can be seen in the table below.

	Major Australian bank	Money transfer specialist
Exchange rate	AUD$1 = PHP36.515	AUD$1 = PHP38.719
Transfer fee	AUD$12	AUD$0
Transfer time	1-3 days	1-2 days
Transfer options	Online, in branch	Online
Amount received for AUD$1,500 (PHP)	PHP54,773	PHP58,079
Difference (PHP)		+PHP3,306

As you can see, not only can Paul save $12 in fees but he can also send an extra PHP3,306 to his relatives by using a money transfer company.

Tips when sending money to the Philippines

Making an emergency transfer to someone in the Philippines

You might need to send an emergency cash transfer to the Philippines – for example, if a friend travelling through the country loses their wallet. When you need to transfer funds urgently, your fastest possible transfer will often be the most expensive option. Carefully review the exchange rate and transfer fee against your needs so you understand exactly how much it will cost you.

Tips for picking up cash in the Philippines

Check an agent’s location and hours of operation before visiting.
Avoid visiting any unsafe areas.
Don’t wave your cash around in public and make yourself a target for thieves.
Don’t carry large sums of money around for any longer than is necessary.
Deposit the money into your bank account as soon as possible.

Cash pick-up locations in the Philippines

WorldRemit
CEBUANA LHUILLIER
Address: 162 A Arnaiz Ave cnr Hidalgo St., 66 Zone 8, Pasay, 1300 Metro Manila
Hours: 8am–5pm
Phone: +63 2 892 1683
M LHUILLIER
Address: 102 Zen Towers, 1111 Natividad Lopez St, 654 Ermita, Manila, 1000 Metro Manila
Hours: 8am–5pm
Phone: +63 2 559 9039
M LHUILLIER KWARTA PADALA
Address: Central Building , P A Bernardo, San Martin De Pores , 1111 Quezon City , Metro Manila
Hours: 8am–5pm
Phone: +63 2 376 6386

MoneyGram
BANCO DE ORO – #467 – SALES ST – RAON
Address: 545 Sales St cnr G Puyat St (Raon), 1016 Sta Cruz, Manila
Hours: 8:30am–5:30pm
Phone: +63 2 716 7331
BANK OF COMMERCE
Address: Victoria Bldg, UN Avenue, Manila
Hours: 9am–4pm
Phone: +63 2 526 0222
CEBUANA LHUILLIER
Address: 624 P Paterno St, Quiapo Manila, Metro Manila 1000
Hours: 8am–5pm
Phone: +63 2 899 6208

Western Union
PETNET-RIZAL AVENUE EXT.
Address: Rizal Avenue Exit Grace Park, 1695 Barangay 072 District 2 Kaloocan, National Capital Region 1400
Hours: 9am–6pm
Phone: +63 2 962 4203
USSC SERVICE STORE – TIMES PLA
Address: Un Ave cnr Gen Luna St Gf Times Manila, National Capital Region 1000
Hours: 8am–7pm
Phone: +63 2 525 8887
USSC SERVICE STORE SHAW CENTER
Address: 360 Shaw Blvd Addition Hills, Unit 330, Shaw Center Mall Mandaluyong, National Capital Region 1552
Hours: 9am–9pm
Phone: +632 654 9725
WorldRemit
CEBUANA LHUILLIER PERA PADALA
Address: Ayala Center Cebu, 176 Archbishop Reyes Ave, Cebu Business Park, Cebu City, 6000 Cebu
Hours: 9am–5pm
Phone: +63 32 231 5342
M LHUILLIER PAWNSHOP
Address: V Rama Ave, Cebu City, Cebu
Hours: 9am–5pm
Phone: +63 32 253 2544
BANCO DE ORO
Address: N Escario St, Cebu City, Cebu
Hours: 9am–5:30pm
Phone: +63 32 254 0482
MoneyGram
CEBUANA LHUILLIER – #61044 – Barrio Luz
Address: Arch. Reyes St, Brgy. Barrio Luz Cabantan Cebu City, 6000
Hours: 8am–8pm
Phone: +63 32 899 6208
CEBUANA LHUILLIER – #60954 – BANAWA
Address: Unit II-1A and 1B R. Duterte St, Banawa Cebu, 6000
Hours: 8:30am–5:30pm
Phone: +63 32 899 6208
CEBUANA LHUILLIER
Address: Eastern Poblacion Pror Camotes Camotes Island Cebu Poro Camotes Cebu, 6000
Hours: 7:30am–6:30pm
Phone: +63 32 899 6208
Western Union
CEBU GOLD PACIFIC PAWNSHOP
Address: S Duterte Street, Poblacion Danao, Cebu 6004
Hours: 8am–6pm
Phone: +63 32 512 2542
PETNET-BALAMBAN
Address: Sta Cruz Poblacion 774 Balamban Balamban, Cebu 6041
Hours: 8am–6pm
Phone: +63 32 233 1514
USSC SERVICE STORE DANAO GAISA
Address: Gaisano Danao, Ground Floor Danao, Cebu 6004
Hours: 9am–8pm
Phone: +63 32 449 2973
WorldRemit
M LHUILLIER
Address: 176 San Pedro St, Poblacion District, Davao City, 8000 Davao del Sur
Hours: 9am–5pm
Phone: +63 82 222 3964
CEBUANA LHUILLIER
Address: J P Laurel Avenue, Davao City 8000, Davao del Sur
Hours: 9am–5pm
Phone: +63 82 222 0949
BANCO DE ORO
Address: 383 Claro M Recto St, Claro M Recto Ave, Poblacion District, Davao City, Davao del Sur
Hours: 9am–5pm
Phone: +63 82 221 0671

MoneyGram
CEBUANA LHUILLIER – CLH PIAPI
Address: 117 B Osmena Blvd Piapi Davao City 8000
Hours: 8:30am–7:30pm
Phone: +63 82 779 9800
PALAWAN PAWNSHOP – MALITA
Address: Brgy Polacion Malita Davao Occidental 8012
Hours: 8am–5:30pm
Phone: +63 82 434 8596
METROBANK – #667 – DAVAO-DOCTOS
Address: Davao Doctors Medical Tower, Quirino Avenue, Davao City 8000
Hours: 9am–4:30pm
Phone: +63 82 224 4347

Western Union
DE LEON PAWNSHOP
Address: Rizal Avenue, Zone 2 Digos, Davao Del Sur 8002
Hours: 8am–6pm
Phone: +63 82 553 7452
PETNET INC
Address: Rizal Avenue, Ground Floor 2109 Digos, Davao Del Sur 8002
Hours: 8am–4:30pm
Phone: +63 82 2721240
RURAL BANK OF DIGOS
Address: Rizal Avenue Digos, Davao Del Sur 8002
Hours: 9am–5pm
Phone: +63 82 5532691

About the Philippines and Australia

Australia and the Philippines are located quite close to one another and enjoy friendly ties. Australia is home to over 220,000 Filipino Australians, the fifth largest subgroup of overseas Filipinos in the world. The largest communities of Filipino Australians can be found in Sydney and Melbourne, though smaller pockets exist in other capital cities.

According to data from the World Bank, in 2017 Australia sent just over $1 billion in remittances to the Philippines. How do the other top 10 countries stack up against how much Australia is sending to the Philippines?

Rank	Receiving country	Amount of remittances Australia sent in 2017
1	China	$2,921,831,167
2	India	$1,943,847,714
3	Vietnam	$1,182,063,046
4	United Kingdom	$1,084,074,219
5	Philippines	$1,002,359,356
6	Lebanon	$951,642,777
7	Italy	$733,516,523
8	Germany	$556,414,028
9	France	$424,370,489
10	Sri Lanka	$392,587,253

Next steps

While you can send money to the Philippines via your bank, there are other more affordable ways to send money overseas. Once you've compared your options in the table above and found the best one for you, head over to the provider's website and register for an account. While the registration part of the process may take some time, once you have your account set up, you'll be good to go.

Frequently asked questions

You'll get the most for your Australian dollars when either the AUD is doing well, or the PHP is weak. However, it's nearly impossible to predict when this will be. There are a few factors you can monitor that can indicate what the exchange rate might do:
- Political climate, particularly if there are any elections coming up
- How much debt the country you're sending to has
- The interest rates set by the country's central bank, especially if there's a rate change announcement coming up

Image: Shutterstock

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Marc Terrano

Marc Terrano is the lead publisher of Points Finder and a co-host of the Pocket Money podcast. He was previously a writer and publisher for home loans at Finder. Marc has a Bachelor of Communications (Journalism) from the University of Technology Sydney. He’s passionate about creating honest and simple reviews and comparisons to help Australians get the best value for their money.

Global Reach (formerly FC Exchange) International Money Transfers

Global Reach will match any competitor's exchange rates. Conditions apply.
No transfer fee when transferring more than £10,000 or equivalent. Send money in over 130 currencies. No maximum transfer amount.

More info

WorldFirst International Money Transfers

Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.

More info

SendFX International Money Transfers

Sign up through Finder and get a $50 Myer gift card when you send $10,000 or more. T&Cs apply.
SendFX guarantees to match any competitor's exchange rate. Fee-free transfers in 30+ currencies to over 200 countries.

More info

OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.

More info

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12 Responses

JackieApril 6, 2017

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 ?

Reply
- finder Customer Care
  
  DeeApril 6, 2017Staff
  
  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
  
  Reply
WilliamApril 6, 2016

I need to send money from Australia to Philippines as a cash pick up. What are my options

Reply
- finder Customer Care
  
  ShirleyApril 6, 2016Staff
  
  Hi William,
  
  Thanks for your question.
  
  You may want to consider Worldremit if you want a cash pick up option. Most international money transfers process bank to bank transfers.
  
  Reply
janevielDecember 2, 2015

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 ?

Reply
- finder Customer Care
  
  ShirleyDecember 2, 2015Staff
  
  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
  
  Reply
- janevielDecember 3, 2015
  
  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??? **********
  
  Reply
- finder Customer Care
  
  ShirleyDecember 3, 2015Staff
  
  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
  
  Reply
yasemineJune 21, 2015

I am here in turkey. How can i send money through this FINDER .com , is it have here in turkey?

Reply
- JodieJune 22, 2015
  
  Hi Yasemine,
  
  Thank you for contacting finder.com.au, a financial comparison website.
  
  You have reached finder.com.au, we are an Australian financial comparison website and do not process any transaction only supply information regarding services offered by different financial providers. All the information for our international money transfers is for transferring funds from Australia.
  
  Please feel free to see if any of the providers we have on our international money transfer page work within Turkey.
  
  Regards
  Jodie
  
  Reply
GabrielMay 8, 2015

why NO calculation or calculator for Australian dollar to Philippines peso?

Reply
- finder Customer Care
  
  MarcMay 11, 2015Staff
  
  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.
  
  Reply

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How to send money to the Philippines

Need to send money to the Philippines? Find the best way to move your money internationally from Australia.

International Money Transfer Offer

Compare international money transfer services to the Philippines

Compare up to 4 providers

What's in this guide?

How to compare transfer companies when sending money to the Philippines

Foreign exchange rates explained

AUD to PHP: Historical rate chart

What are the ways I can send money to the Philippines?

Banks versus money transfer companies

Example: Paul sends money to the Philippines

Tips when sending money to the Philippines

Making an emergency transfer to someone in the Philippines

Tips for picking up cash in the Philippines

Cash pick-up locations in the Philippines

Manila

Cebu

Davao

About the Philippines and Australia

Next steps

Frequently asked questions

When's the best time to send money to the Philippines?

Can I use my credit card to make a money transfer?

Can I send money to the Philippines using PayPal?

Is there a limit on how much I can send?

Marc Terrano

International Money Transfer Offers

Global Reach (formerly FC Exchange) International Money Transfers

WorldFirst International Money Transfers

SendFX International Money Transfers

OFX (Ozforex) International Money Transfers

Ask an Expert

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