Regency FX is the cheapest way to send money from the United Arab Emirates to Philippines. Sending 25,000 AED will get you 424,127.31 PHP at 16.9651 PHP per AED.
We’ve compared 8 services and apps below in more detail.
| 8 of 8 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze AED/PHP exchange rates from our comparisons. | |||
| Based on 25,000 AED transfer Best companies for AED/PHP transfersAll money transfer offers for AED/PHP transfers, sorted by most PHP received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee AED 244.67 1 AED = 17.0000 PHP +0.06% vs mid-market | Recipient gets ₱420,840.61 Within an hour | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin an hourAvailable via:Bank Transfer AED 244.671 AED = 17.0000 PHP ₱420,840.61You payAED 25,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee AED 0.00 1 AED = 16.7437 PHP +1.58% vs mid-market | Recipient gets ₱418,592.50 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 16.7437 PHP ₱418,592.50You payAED 25,000.00 | |||
Run a live search Showing top United Arab Emirates to Philippines deals for 25,000 AED. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live AED to PHP rates. | |||
Run a live search These companies offer multi-currency accounts for spending PHP. We suggest doing a live search based on how much AED you're planning to spend in Philippines. | |||
Run a live search These are managed services with real human support for large AED transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee AED 0.00 1 AED = 16.9651 PHP +0.27% vs mid-market | Recipient gets ₱424,127.31 Minutes - 24 hours | |
Ways to receive money in Philippines with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 16.9651 PHP ₱424,127.31You payAED 25,000.00 | |||
 TorFx Pay via Bank transfer | Fee AED 0.00 1 AED = 16.9600 PHP +0.30% vs mid-market | Recipient gets ₱423,999.72 Minutes - 24 hours | |
Ways to receive money in Philippines with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 16.9600 PHP ₱423,999.72You payAED 25,000.00 | |||
 OFX Pay via Bank transfer | Fee AED 0.00 1 AED = 16.9260 PHP +0.50% vs mid-market | Recipient gets ₱423,149.17 Minutes - 24 hours | |
Ways to receive money in Philippines with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 16.9260 PHP ₱423,149.17You payAED 25,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee AED 4.70 1 AED = 16.8860 PHP +0.74% vs mid-market | Recipient gets ₱422,070.00 Minutes - 24 hours | |
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours AED 4.701 AED = 16.8860 PHP ₱422,070.00You payAED 25,000.00 | |||
| Wise Pay via Bank transfer | Fee AED 244.67 1 AED = 17.0000 PHP +0.06% vs mid-market | Recipient gets ₱420,840.61 Within an hour | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin an hourAvailable via:Bank Transfer AED 244.671 AED = 17.0000 PHP ₱420,840.61You payAED 25,000.00 | |||
| Xe Pay via Bank transfer | Fee AED 0.00 1 AED = 16.7437 PHP +1.58% vs mid-market | Recipient gets ₱418,592.50 Minutes - 24 hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 16.7437 PHP ₱418,592.50You payAED 25,000.00 | |||
 TapTap Send Pay via Debit card | Fee AED 0.00 1 AED = 16.5500 PHP +2.75% vs mid-market | Recipient gets ₱413,750.00 Minutes | |
Ways to receive money in Philippines with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AED = 16.5500 PHP ₱413,750.00You payAED 25,000.00 Mobile walletMinutesAvailable via:Coins.ph, GCash, Maya Free1 AED = 16.5500 PHP ₱413,750.00You payAED 25,000.00 Mobile moneyMinutesAvailable via:Globe Free1 AED = 16.5500 PHP ₱413,750.00You payAED 25,000.00 Card depositMinutesAvailable via:Pay To Card AED 3.641 AED = 16.5500 PHP ₱413,750.00You payAED 25,003.64 Cash pickupMinutesAvailable via:Cebuana, Palawan Pawnshop & Others AED 4.991 AED = 16.5500 PHP ₱413,750.00You payAED 25,004.99 | |||
 Al Ansari Exchange Pay via Bank transfer | Fee AED 0.00 1 AED = 16.5100 PHP +2.99% vs mid-market | Recipient gets ₱412,750.00 | |
Ways to receive money in Philippines with Al Ansari Exchange when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 AED = 16.5100 PHP ₱412,750.00You payAED 25,000.00 Cash pickup Free1 AED = 16.5100 PHP ₱412,750.00You payAED 25,000.00 | |||
| How Our Results Work Mid-market rate: 1 AED = 17.011022 PHP Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Regency FX at 424,127.31 PHP on AED 25,000.
You have 2 ways to pay, including bank transfer and debit card.
Cash at an exchange house counter works, and so does the salary card your wages land on.
You'll need your Emirates ID every time, not just the first.
Registering takes a few minutes with a UAE number. Once it's done, repeat transfers to the same person take seconds.
8 companies send money from the UAE to Philippines, split between broker, app, online, multi-currency account, global account, and exchange house, and more.
For sending cash in-person
Exchange houses like Al Ansari Exchange are a good alternative to high street shops like Al Fardan Exchange (Western Union) or MoneyGram.
With Al Ansari Exchange you will get ₱412,750 on 25,000 AED transfer (2.99% FX markup and 0 AED in fees).
How much you get will vary a lot depending on the amount and AED/PHP exchange rate.
I suggest running a live search and to see who is cheaper right now.
For frequent transfers home
If you send PHP home monthly, money transfer apps like Wise are the easiest with good AED/PHP rates.
Botim, Careem Pay, and e& money are convenient but Wise is cheaper.
On AED 25,000 transfer it will get you 420,840.61 PHP in same day (after 244.67 fee and 0.06% markup).
You'll need your Emirates ID and a UAE number to register.
For small urgent transfers
You can send AED to Philippines now, and pay for it in the coming weeks.
Botim and Payit are good options, but it’s a credit, so it costs more and you can’t miss any payments.
We’ve covered this in more detail in our Send Now, Pay Later guide.
For mid-sized transfers from UAE
Sending AED 5,000 to Philippines is usually cheaper with online money transfer services like Wise.
Wise gets you 420,840.61 PHP on AED 25,000 transfer, with a AED 244.67 fee and 0.06% markup.
For sending large amounts
Brokers are great for international property, school fees abroad, or moving your savings home when you leave the UAE.
A broker like Regency FX charges no fee and adds 0.27% on AED/PHP exchange rate with someone on the phone guiding you through the process.
For UAE businesses trading abroad
Global accounts are for businesses, paying overseas suppliers, collecting from customers abroad, and holding a few currencies at once.
Companies like IFX, Sokin, VertoFX, or Wise Business can handle the batch payments, invoices and multi-currency balances.
For receiving money
A multi-currency account lets you hold dirhams and/or PHP side by side.
This is useful if you’re getting paid in PHP, or travelling to the Philippines.
I’d suggest Wise for this.
Wise converts 420,840.61 PHP at 0.06% markup and holds it until you send or spend it, and gives you account details to receive PHP.
We've covered this in more detail in our guide to multi-currency accounts.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 424,127.31 PHP.
You can pay in AED by bank transfer and debit card.
In Philippines, the recipient can receive PHP through bank deposit, cash pickup, mobile wallet, mobile money, and card deposit.
Pay at an exchange house
Take your Emirates ID and pay cash at a licensed exchange house. Check the final PHP amount before paying because branch rates and fees can differ from the app quote.
They can receive money via bank deposit, cash pickup, mobile wallet, mobile money, and card deposit.
The recipient can collect PHP from a participating location in Philippines with valid photo ID and the transfer reference.
You pay .د.إ25,000.00
₱424,127
Cheapest
You pay .د.إ25,000.00
₱413,750
-₱10,377
You pay .د.إ25,000.00
₱413,750
-₱10,377
You pay .د.إ25,000.00
₱413,750
-₱10,377
You pay .د.إ25,003.64
₱413,750
-₱10,377
You pay .د.إ25,004.99
₱413,750
-₱10,377
You pay .د.إ25,000.00
₱412,750
-₱11,377
The UAE has plenty of ways to send money, but the branch fee, exchange rate and ID checks can change what works best for you.
For an AED 25,000 transfer to Philippines, the current options look like this.
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 424,127.31 PHP, which is 0.03% more than the next best option.
The fastest option is TapTap Send, funded by debit card with bank deposit in Philippines. Your recipient gets 413,750 PHP in minutes.
Banks, apps and exchange houses need to identify you.
Your Emirates ID and UAE mobile number normally cover a routine transfer, while a large or unusual payment can trigger questions about your salary and source of funds.
For property, tuition or moving savings when you leave the UAE, keep the sale agreement, school invoice or bank statement ready.
A transfer funded from your salary account is easier to explain than a large cash deposit made just before sending.
Currency exchange and remittance services require a Central Bank of the UAE licence.
Check the legal name in the CBUAE licensing register before handing over cash or uploading your ID.
The CBUAE consumer standards require licensed companies to show the exchange rate and fees before the transfer, then include the amount received and complaint details on the receipt.
Avoid a personal bank account or WhatsApp dealer offering a better rate outside a licensed branch.
The UAE's declaration rules for carrying cash across the border do not set a limit on an electronic transfer.
Your bank or exchange house can still set its own transaction limit and request additional documents.
If you send the same amount every month, complete the ID checks in the app or branch once and save the verified recipient.
This reduces mistakes without bypassing the checks on later transfers.
The dirham is pegged to the US dollar, but the AED/PHP rate still moves. Checking the recent range helps you assess the amount offered in PHP.
Mid-market rate:1 AED = 17.070642 PHP
We track 8 licensed companies sending AED to Philippines, refreshed in real time during live comparisons.
Because the dirham is fixed to the dollar, we compare on what arrives in PHP rather than on the fee, alongside the deposit and payout options.
Every company goes through our review before it appears.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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