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The best way to send money to the Philippines involves comparing providers to find one that fits your budget and needs. Shop around with a few digital specialists to find the best deal on your next transfer.
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Use our comparison calculator to assess transfer fees, exchange rates and other details for sending funds to the Philippines with a money transfer service.
To help you narrow down the best, we've dug through the details of many leading money transfer companies. Online money transfer providers typically offer the strongest exchange rates and lowest fees on money transfers to the Philippines.
Let's say you need to send $2,000 to family in the Philippines. Here's what you might face as far as fees and exchange rates as of 10 November 2020.
| Digital money transfer service | Cash transfer | Bank transfer | |
|---|---|---|---|
| Fee | $13 | $12 | $10 + additional correspondent bank fees |
| Exchange rate | 1 AUD = 35.1 PHP | 1 AUD = 34.3 PHP | 1 AUD = 33.6 PHP |
| Transfer speed | 1-2 day | Minutes | 2-5 days |
| Amount received | PHP 69,825 | PHP 68,630 | PHP 66,879 |
| Verdict |
|
|
|
The digital money transfer option ends up being the best value, while a cash transfer is faster.
Sign up and send money with a digital money transfer specialist in four steps:
Weigh costs and fees against convenience, and learn how to compare money transfer providers that send to the Philippines to meet your needs:
When it's more important to get your money to the Philippines quickly, look for money transfer companies that support cash pickup in minutes. You can pay with a credit or debit card for fast pickup, but fees are higher than other methods.
Cash transfer services can help you if you're unbanked or marginally banked. If you don't have a bank account, look for a local company that supports storefronts for cash payments. These services include agent locations in other countries that allow your recipient to pick up cash without a bank account.
Many popular money transfer providers, including WorldRemit and Wise, allow you to send money directly to a mobile wallet in the Philippines. Mobile wallets, also known as e-wallets, are a convenient receiving option because the recipient can store and spend money directly from their phone. Some of the most popular mobile wallet options in the Philippines include:
When you're looking for a convenient way to send money to the Philippines, having the funds delivered to a mobile wallet is one of the more straightforward options. Just be sure to always double-check the associated fees, exchange rates and processing times for each mobile wallet before signing up and using it.
The exchange rate determines how much one country's currency is worth in another country's currency. When a country's currency is strong, it yields more money when exchanging it in a country with a weaker currency. The Philippine peso often fluctuates when compared to Australia dollar, so expect exchange rates today to be different than those you'll see tomorrow. Factors that influence the exchange rate include interest rates, economic stability and inflation.
Today's exchange rate AUD to PHP
To send money to the Philippines from Australia, you'll need government-issued ID and other documents, while documents needed to pick up money in the Philippines may be different by company.
To send money from Australia to the Philippines, you'll need documentation and details that include:
To pick up money in person, documentation can include:
Most money transfers between Australia and the Philippines shouldn't have any specific tax obligations attached to them. Some circumstances may trigger a need for filing specific forms, so read up on our remittance tax guidelines for the Philippines to learn more about when you may need to file with the ATO.
Sending your hard-earned money to the Philippines shouldn't cost a fortune. Compare transfer companies that specialize in foreign for the strongest rates, lowest fees and flexible delivery. For transfers to other countries, rely on our country specific guides the next time you need to make a transfer.
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Get today’s best Australian to US dollar exchange rates before you send money overseas.
Beat the banks, find the best exchange rates and avoid fees when you send money abroad from Australia.
Learn about how TransferMate’s personal product works and what it can do for you.
Make simple and small transfers to the Philippines through the IREMITX app.
Pay 0% interest on balance transfers for the first 22 months with no balance transfer fee. Plus, get a $50 Kogan.com Credit when you meet the spend requirement with this exclusive offer for the Kogan Money Black credit card.
Apply online, get approved for a credit limit of up to $20,000 and start using your card straight away on your mobile devices.
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.