How to send money to Philippines from UAE with the best AED-PHP rate

Always compare ways to send money from the United Arab Emirates to the Philippines to get the best options for fees, speed, and reliability.

For AED/PHP

• Wise is our top pick for sending AED to PHP. For example, sending 25,000 AED to PHP will cost you .د.إ264.3 in fees, and you will receive 411,639.15 PHP. The delivery time is same day, but it depends on the day you make the transfer.

• Cheapest way to send money to the Philippines from the United Arab Emirates is with Regency FX. The cost is made up of a fee of 0 AED and an exchange rate for buying Philippine Peso with UAE Dirham that is 0.27% different to the mid-market rate.

• Of the 6 companies compared, Taptap Send currently offers the fastest money transfers to the Philippines from the United Arab Emirates. Sending .د.إ25,000 to Philippines through Taptap Send will be minutes.

Our analysis included 6 providers that operate between United Arab Emirates and Philippines.

Through this, you get a comprehensive view of all the options you have in the United Arab Emirates when you need to send money to the Philippines.

The exchange rate determines how many AED the recipient will get in Philippines when you send UAE Dirham.

When calculating the costs of money transfers between United Arab Emirates and Philippines, here's what really matters:

• The Mid-Market Rate: Today, the AED-PHP mid-market rate equals to 16.6709 PHP per UAE Dirham.

• Fees may also be added on top, and usually vary depending on how much AED you are sending to Philippines.

• For the best combination of rates and fees, we suggest using Regency FX.

Today, the average exchange rate between UAE Dirham and Philippine Peso is 16.6709.

The AED-PHP rate fluctuates constantly, so timing your transfer to the Philippines can help you save a lot of money.

Sometimes, waiting a day or two can help you get more PHP for the same amount of AED. You can also opt for a forward contract to lock in rates between the United Arab Emirates and the Philippines.

A bank transfer is the most cost effective option for sending money from the United Arab Emirates to the Philippines. The company offering the best bank transfer price is Regency FX.

Here are all the ways to send money from United Arab Emirates to Philippines:

Bank transfers

The default option for sending money from the United Arab Emirates to the Philippines is often a bank transfer.

Using a money transfer company such as Regency FX for transfers from the United Arab Emirates to the Philippines, allows for sending via a bank transfer while benefiting from lower fees and more favorable exchange rates. 


Debit and prepaid cards

Sending money from the United Arab Emirates to the Philippines with a prepaid or debit card is easy with Taptap Send.


Taptap Send is a leader in accepting card payments for transfers between the United Arab Emirates and the Philippines.

Credit cards

We recommend using a bank transfer or a debit card deposit instead of a credit card, as many companies do not allow direct deposits with a credit card and are usually more expensive and come with cash advance fees!

Always choose providers that are regulated by financial authorities to ensure funds are safe when transferring from United Arab Emirates to Philippines.

If you don’t know what the key regulatory bodies for money transfers are between the United Arab Emirates and the Philippines, please refer to our directory of financial regulators worldwide.

Some services have limits on how much you can transfer from the United Arab Emirates to the Philippines. This applies when receiving money in the Philippines as well.

Different companies will offer different rates or lower fees for different transfer amounts.

For example, we recommend using Wise if you need to send large amounts of AED to Philippines.

This being said, always check with the recipient and understand any declarations needed on large amounts of money leaving the United Arab Emirates, or entering Philippines.

There are different ways to receive money in the Philippines. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account.

If you (or the recipient) want a direct transfer to your bank account, Wise is the best money transfer company for bank transfers between United Arab Emirates and Philippines.

And if you need cash right away, check if cash pickup is an option for transfers between United Arab Emirates and Philippines.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Regency FX.

When you're sending or receiving money between the United Arab Emirates and the Philippines, you have to be ready to show some ID.

The exact documents you need might vary. Usually in the United Arab Emirates this will be a government ID like a passport or driver's license. This will be similar if you need to open an account or collect cash in the Philippines.

If you're making a big transaction between the United Arab Emirates and the Philippines, a provider may ask you for proof of address or may want to know where your money comes from.

Wise is a great option for sending from the United Arab Emirates as the sign up process is pretty straightforward, even for larger transactions.

When sending large amounts of money between the United Arab Emirates to the Philippines there will be tax implications to consider.

Some AED-PHP transfers may need to be reported to tax authorities, particularly where inheritance or property sales are involved.

Tax limits and personal allowances differ in the Philippines based on age, income and a few other elements. When in doubt, please contact a tax professional in United Arab Emirates or Philippines to discuss your personal circumstances.