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Send money to the Philippines cheaply

phillipinesEnjoy competitive exchange rates and minimal fees when you transfer funds to the Philippines.

There are plenty of international money transfer services to choose from when you want to send money to the Philippines. Generally, you open an account with the service provider, deposit your funds into the account and then initiate the transfer.

You'll typically need to provide proof of identity, such as your driver's licence or passport, and some personal details to open an account. Once your transfer has been placed, you’ll be provided with a receipt or tracking number so that you can monitor your transaction.

Although it’s simpler than ever before to send money to the Philippines, it’s vital that you shop around for the best deal so your recipient receives more money.

International Money Transfer Offer

TorFX International Money Transfers

  • 0% commission and no fees
  • Segregated accounts
  • Fast, free money transfers
  • Free market updates

International Money Transfer Offer

TorFX guarantee to match any competitor's exchange rate for a transaction. Conditions apply.
Send money overseas in 45 currencies. Once registered, you'll be assigned an Account Manager who can provide support and guidance.

  • Minimum transfer amount: $200
  • Online transfer fee: $0
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Your options to send money to the Philippines

Rates last updated June 21st, 2018
Description Min. Transfer Amount Transfer Speed Services Online Transfer Fee Rate Amount Received
TorFX International Money Transfers
TorFX International Money Transfers
TorFX guarantee to match any competitor's exchange rate for a transaction. Conditions apply.
Send money overseas in 45 currencies. Once registered, you'll be assigned an Account Manager who can provide support and guidance.
AUD 200 1 day Online, Phone, Agent Go to site More
OFX (Ozforex) International Money Transfers
OFX (Ozforex) International Money Transfers
Transfer any amount from $250 upwards. $0 transfer fee on transfers over AU$10,000, $15 flat fee applies otherwise. 24-hour customer service available with a local support team. AUD 250 1 day Online, Phone, Agent Go to site More
Exclusive: Instarem International Money Transfers
Exclusive: Instarem International Money Transfers
Exclusive: finder customers receive $15 off their first transaction. T&C's apply.
InstaRem offers simple and quick 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, plus finder customers receive $15 off first transfer (T&Cs apply).
AUD 200 1 day Online, Phone Go to site More
FC Exchange International Money Transfers
FC Exchange International Money Transfers
FC Exchange 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.
AUD 3,000 1 day Online, Phone, Bank Account to Bank Account Go to site More
HiFX International Money Transfers
HiFX International Money Transfers
Transfer amounts as low as $50. No maximum transfer amount. No transfer fees if you transfer more than AU$10,000. AUD 50 2 days Online, Phone, Agent Go to site More

Keep ahead of the curve with daily currency exchange rate alerts

The offers compared on this page are chosen from a range of products finder.com.au has access to and are not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms "best" and "top" are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options. Our foreign exchange experts offer a best rate guarantee, are ASIC authorised and never charge transfer fees.

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Banks vs international money transfer services

Most Australian banks will allow you to send money from Australia to the Philippines, and many people choose to use their banks when conducting international money transfers. However, transfers lodged with your bank can attract poor exchange rates and high fees, so you might be much better off looking to send funds another way.

Specialist money transfer companies offer fast and affordable overseas transfers, typically at much better exchange rates than those offered by banks. These companies also offer lower fees and faster turnaround times than banks, so it makes sense to compare your options before choosing a provider.

Paul sends money to the Philippines

Paul wants to send a gift of AUD$1,000 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.

Using a bankUsing a money transfer company
Exchange rateAUD$1 = PHP30.92AUD$1 = PHP33.39
Transfer feeAUD$25AUD$14
Transfer time2-5 days1-3 days
Transfer optionsOnline, in branchOnline
Amount received for AUD$1,000 (PHP)PHP30,920PHP33,390
Difference (PHP)+PHP2,470

As you can see, not only can Paul save AUD$11 in fees but he can also send an extra 2,470 Philippine pesos to his relatives by using a money transfer company.

How do I compare transfer companies when transferring money to the Philippines?

Take the following factors into account when comparing the services offered by different money transfer companies:

  • Competitive exchange rates. You’ll obviously want to look for a company that offers attractive exchange rates. However, keep in mind that some companies with slightly lower rates than others may also offer higher fees.
  • Little to no transfer fee. Most companies will charge a fee for every transfer you make, either at a flat rate or as a percentage of your transfer amount. However, some companies will let you avoid any fees when you transfer more than a certain amount.
  • Flexible transfer methods and options. Can transfers be lodged online, over the phone and/or in a branch? Are there flexible options available to help make the transfer process easier and more affordable? For example, can you lodge regular scheduled transfers or place forward contracts?
  • Quick turnaround time. Compare the average processing time offered by each company for transfers to the Philippines.
  • Convenient pickup methods for your recipient. Some companies will allow cash pickups within minutes while others send funds directly to the recipient’s bank account.
  • Low minimum transfer amounts. Some companies have minimum transfer limits in place, which can be highly impractical if you only want to send a small amount of money.
  • Reliable customer service. Check to see if phone, email and live chat support are offered so that you can have assistance on hand if you ever need it.

TIP: Some banks, for example ANZ, have branches in both Australia and the Philippines. Transferring funds within a bank can save you time and money.

How to send money to the Philippines from Australia

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 for cash pickup. Western Union and MoneyGram allow you to send cash to the Philippines within minutes. You can then pick up the funds from a number of agent locations across the Philippines.
  • Money transfer companies. Specialist money transfer services like TorFX, OFX, WorldFirst, CurrencyFair, Currency Online, Travelex, WorldRemit and HiFX offer fast and affordable international money transfers.
  • PayPal. You can send funds via PayPal if both you and your recipient have a PayPal account.
  • International money order. You can also obtain an international guaranteed cheque from your bank, which you can then post overseas.

Emergency cash transfers in the Philippines


There are some situations where you may need to transfer funds to the Philippines as quickly as possible. For example, you may have a relative visiting the region who had their wallet stolen by thieves and is in desperate need of cash to be able to return home to Australia.

Whatever the case may be, it’s important that you exercise caution when lodging an emergency cash transfer. Make sure you know the exact exchange rate that will apply to your transaction and read the fine print to familiarise yourself with any fees and how long the transaction will take to be processed. Taking the time to do this now will ensure that you get a good deal.

Cash pickup locations in the Philippines

WorldRemit, Western Union and MoneyGram offer multiple branch locations across the Philippines where your recipient can pick up the funds you send. When you go to pick up funds, remember to take some ID and the details of your transaction with you. In addition, it’s also wise to phone ahead and make any necessary arrangements if you are picking up a large sum of cash.


WorldRemit allows you to make cash pickups at M Lhullier, Metrobank, Palawan Pawnshop, PSBank, LBC, BDO and Cebuana Lhullier branches.

  • Quezon City

    M Lhuillier

    Palawan 7 Quezon

    New Public Market, Poblacion 5304

  • CLH Bago Bantay

    132 D Ilocos Sur St cor Bukidnon St. Bago Bantay, Brgy. Ramon Magsaysay District 1


    Open Monday to Saturday 7am to 7pm, Sunday 7am to 6pm

  • Manila

    CLH G. Tuazon

    2019 G. Tuazon St. Cor. Honradez St. Ext., Brgy. 549 Zone 045, District IV, Sampaloc


    Open Monday to Saturday 7am to 8pm, Sunday 7am to 6pm

  • PSBank Caloocan

    G/F G. Raymundo Building, 314 EDSA

    Monumento, Caloocan

    (632) 361-2163

Western Union

  • Quezon City

    Aguirre Pawn Shop

    General Luis Street 245


    Quezon City, Metro Manila 1123


    Open Monday to Saturday 8am to 5pm

  • Alyanna Pawn Shop

    N Domingo Cor Dna Juana Rodriguez

    Alyanna Mini Mart

    Quezon, Metro Manila 1100


    Open Monday to Saturday 8am to 6pm

  • Manila

    Aguirre Pawn Shop

    Prime Block Podium Level

    Tutuban Center

    Manila, Metro Manila 1013


    Open 9am to 6pm seven days

  • China Banking Corporation

    J A Santos Ave Cor Batangas St No 2159


    Manila, Metro Manila 1014


    Open 9am to 4pm Monday to Friday


  • Quezon City

    Bank of Commerce

    Am Assoc Bld 28 Quezon Avenue

    Quezon City, 0


    Open 9am to 3pm Monday to Friday

  • Banco De Oro

    Cedar Executive Building II 26 Timog Ave Cor Sct Tobias St

    Quezon City, 0


    Open 8:30am to 5:30pm Monday to Friday

  • Manila

    Bank of Commerce

    609 SALES ST.


    MANILA, 1001


    Open 9am to 4pm Monday to Friday, 10am to 3pm Saturday

  • Banco De Oro

    No 116-120 C Palanca St Quiapo

    Manila, 1000


    Open 9am to 6pm Monday to Saturday

Tips for picking up cash in the Philippines

The Department of Foreign Affairs and Trade recommends that travellers to the Philippines "exercise a high degree of caution", so keep this in mind when picking up cash. If possible, take a friend with you for extra protection, but make sure not to advertise the fact that you have a large sum of cash to anyone. Avoid questionable areas where muggings occur frequently and head straight to your bank to deposit the funds. You can also find some more great travel safety tips by reading online blogs and forums.

About the Philippines and Australia

On a global scale, Australia and the Philippines are located quite close to one another and enjoy friendly ties. In fact, Australia is home to more than 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.

When you consider this fact, it’s unsurprising that many people find themselves needing to transfer money between Australia and the Philippines. While such transactions can be carried out via your bank, there are other more affordable ways to send money overseas.

International Money Transfer Offers

Important Information*
TorFX International Money Transfers

TorFX guarantee to match any competitor's exchange rate for a transaction. Conditions apply.
Send money overseas in 45 currencies. Once registered, you'll be assigned an Account Manager who can provide support and guidance.

OFX (Ozforex) International Money Transfers

Transfer any amount from $250 upwards. $0 transfer fee on transfers over AU$10,000, $15 flat fee applies otherwise. 24-hour customer service available with a local support team.

WorldFirst International Money Transfers

Access live rates, currency converter and market updates via the WorldFirst Money Transfer mobile app. No transfer fees for personal or business customers.

FC Exchange International Money Transfers

FC Exchange 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.

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12 Responses

  1. Default Gravatar
    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 ?

    • finder Customer Care
      LouApril 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.


  2. Default Gravatar
    WilliamApril 6, 2016

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

    • 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.

  3. Default Gravatar
    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 ?

    • 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’.


    • Default Gravatar
      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??? **********

    • 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.


  4. Default Gravatar
    yasemineJune 21, 2015

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

    • finder Customer Care
      JodieJune 22, 2015Staff

      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.


  5. Default Gravatar
    GabrielMay 8, 2015

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

    • 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.


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