Regency FX is the cheapest way to send money from the United Arab Emirates to the Philippines. Sending 25,000 AED will get you 426,985.24 PHP at 17.0794 PHP per AED.
We’ve compared 7 services and apps below in more detail.
| 7 of 7 providers Last updated on 10 November 2026 | |||
| Based on 25,000 AED transfer Best companies for AED/PHP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee AED 244.66 1 AED = 17.1239 PHP +0.01% vs mid-market | Recipient gets ₱423,907.97 Within minutes | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 244.661 AED = 17.1239 PHP ₱423,907.97You payAED 25,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee AED 0.00 1 AED = 16.8537 PHP +1.60% vs mid-market | Recipient gets ₱421,342.50 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 = 16.8537 PHP ₱421,342.50You 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 = 17.0794 PHP +0.27% vs mid-market | Recipient gets ₱426,985.24 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 = 17.0794 PHP ₱426,985.24You payAED 25,000.00 | |||
 TorFx Pay via Bank transfer | Fee AED 0.00 1 AED = 17.0743 PHP +0.30% vs mid-market | Recipient gets ₱426,856.80 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 = 17.0743 PHP ₱426,856.80You payAED 25,000.00 | |||
 OFX Pay via Bank transfer | Fee AED 0.00 1 AED = 17.0400 PHP +0.50% vs mid-market | Recipient gets ₱426,000.52 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 = 17.0400 PHP ₱426,000.52You payAED 25,000.00 | |||
 TapTap Send Pay via Debit card | Fee AED 0.00 1 AED = 17.0000 PHP +0.74% vs mid-market | Recipient gets ₱425,000.00 Minutes | |
Ways to receive money in Philippines with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AED = 17.0000 PHP ₱425,000.00You payAED 25,000.00 Mobile walletMinutesAvailable via:Coins.ph, GCash, Maya Free1 AED = 17.0000 PHP ₱425,000.00You payAED 25,000.00 Mobile moneyMinutesAvailable via:Globe Free1 AED = 17.0000 PHP ₱425,000.00You payAED 25,000.00 Card depositMinutesAvailable via:Pay To Card AED 3.641 AED = 17.0000 PHP ₱425,000.00You payAED 25,003.64 Cash pickupMinutesAvailable via:Cebuana, Palawan Pawnshop & Others AED 4.991 AED = 17.0000 PHP ₱425,000.00You payAED 25,004.99 | |||
 CurrencyFair Pay via Bank transfer | Fee AED 4.67 1 AED = 16.9940 PHP +0.77% vs mid-market | Recipient gets ₱424,770.00 Minutes - 24 hours | |
Ways to receive money in Philippines with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours AED 4.671 AED = 16.9940 PHP ₱424,770.00You payAED 25,000.00 | |||
| Wise Pay via Bank transfer | Fee AED 244.66 1 AED = 17.1239 PHP +0.01% vs mid-market | Recipient gets ₱423,907.97 Within minutes | |
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 244.661 AED = 17.1239 PHP ₱423,907.97You payAED 25,000.00 | |||
| Xe Pay via Bank transfer | Fee AED 0.00 1 AED = 16.8537 PHP +1.60% vs mid-market | Recipient gets ₱421,342.50 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 = 16.8537 PHP ₱421,342.50You payAED 25,000.00 | |||
| How Our Results Work Mid-market rate: 1 AED = 17.1256 PHP Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Regency FX at 426,985.24 PHP on AED 25,000.
Regency FX was the cheapest on 19 of the 23 days it quoted AED25,000 transfers to the Philippines.
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.
How much AED you send to the Philippines heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
Our analysis shows Regency FX was the cheapest in 80% of the transfers from AED 25,000 it quoted, and in 80% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| AED 1,000 | -0.48% | AED 0.00 | ₱17,230.00with debit card to bank deposit | +₱473.17 | |
| AED 3,500 | -0.41% | AED 0.00 | ₱60,235.00with debit card to bank deposit | +₱478.43 | |
| AED 7,500 | 0.00% | AED 0.00 | ₱128,625.00with debit card to bank deposit | +₱792.27 | |
| AED 10,000 | 0.16% | AED 0.00 | ₱171,300.00with debit card to bank deposit | +₱896.57 | |
| AED 25,000This page | 0.27% | AED 0.00 | ₱426,985.24with bank transfer to bank deposit | +₱2,004.81 | |
| AED 40,000 | 0.27% | AED 0.00 | ₱684,448.31with bank transfer to bank deposit | +₱3,156.51 | |
| AED 50,000 | 0.27% | AED 0.00 | ₱854,453.78with bank transfer to bank deposit | +₱3,729.44 | |
| AED 200,000 | 0.25% | AED 0.00 | ₱3,418,221.83with bank transfer to bank deposit | +₱14,804.63 | |
| AED 250,000 | 0.25% | AED 0.00 | ₱4,272,985.26with bank transfer to bank deposit | +₱18,471.75 | |
| AED 350,000 | 0.25% | AED 0.00 | ₱5,978,992.21with bank transfer to bank deposit | +₱25,962.41 | |
| AED 1,000,000 | 0.20% | AED 0.00 | ₱17,100,369.72with bank transfer to bank deposit | +₱80,384.56 |
Mid-market rate: 1 AED = 17.1256 PHP
The cheapest way to send AED to PHP can change every day, or stay with the same company all month.
We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 25,000 AED transfers to the Philippines.
Tue, 10 Nov 2026Mid-market rate₱428,141.23 Regency FX ₱426,985.24Regency FX₱426,985.24TorFx₱426,856.80OFX₱426,000.52
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.0984 | – | ₱427,460.75 | |
| | 17.0523 | AED 0.00 | ₱426,306.61 | −₱1,154.14 |
| | 17.0471 | AED 0.00 | ₱426,178.37 | −₱1,282.38 |
| | 17.0129 | AED 0.00 | ₱425,323.45 | −₱2,137.30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.0956 | – | ₱427,389.67 | |
| | 17.0494 | AED 0.00 | ₱426,235.72 | −₱1,153.95 |
| | 17.0443 | AED 0.00 | ₱426,107.51 | −₱1,282.16 |
| | 17.0101 | AED 0.00 | ₱425,252.73 | −₱2,136.94 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.1183 | – | ₱427,958.03 | |
 | 17.0400 | AED 0.00 | ₱426,000.00 | −₱1,958.03 |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 17.0500 | AED 0.00 | ₱426,250.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.1673 | – | ₱429,182.98 | |
| | 17.1210 | AED 0.00 | ₱428,024.18 | −₱1,158.79 |
| | 17.1158 | AED 0.00 | ₱427,895.43 | −₱1,287.54 |
| | 17.0815 | AED 0.00 | ₱427,037.06 | −₱2,145.91 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.1507 | – | ₱428,767.62 | |
| | 17.1044 | AED 0.00 | ₱427,609.95 | −₱1,157.67 |
| | 17.0993 | AED 0.00 | ₱427,481.32 | −₱1,286.30 |
| | 17.0650 | AED 0.00 | ₱426,623.79 | −₱2,143.83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.1507 | – | ₱428,767.62 | |
| | 17.1044 | AED 0.00 | ₱427,609.95 | −₱1,157.67 |
| | 17.0993 | AED 0.00 | ₱427,481.32 | −₱1,286.30 |
| | 17.0650 | AED 0.00 | ₱426,623.79 | −₱2,143.83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 17.1500 | AED 0.00 | ₱428,750.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.1692 | – | ₱429,230.70 | |
| | 17.1229 | AED 0.00 | ₱428,071.78 | −₱1,158.92 |
| | 17.1177 | AED 0.00 | ₱427,943.01 | −₱1,287.69 |
| | 17.0834 | AED 0.00 | ₱427,084.55 | −₱2,146.15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.2440 | – | ₱431,098.95 | |
| | 17.1974 | AED 0.00 | ₱429,934.98 | −₱1,163.97 |
| | 17.1922 | AED 0.00 | ₱429,805.65 | −₱1,293.30 |
| | 17.1577 | AED 0.00 | ₱428,943.46 | −₱2,155.49 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.2817 | – | ₱432,042.65 | |
| | 17.2350 | AED 0.00 | ₱430,876.13 | −₱1,166.52 |
| | 17.2299 | AED 0.00 | ₱430,746.52 | −₱1,296.13 |
| | 17.1953 | AED 0.00 | ₱429,882.44 | −₱2,160.21 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.3185 | – | ₱432,961.43 | |
| | 17.2717 | AED 0.00 | ₱431,792.43 | −₱1,168.99 |
| | 17.2665 | AED 0.00 | ₱431,662.54 | −₱1,298.89 |
| | 17.2319 | AED 0.00 | ₱430,796.62 | −₱2,164.80 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.3228 | – | ₱433,069.88 | |
| | 17.2760 | AED 0.00 | ₱431,900.59 | −₱1,169.28 |
| | 17.2708 | AED 0.00 | ₱431,770.67 | −₱1,299.21 |
| | 17.2362 | AED 0.00 | ₱430,904.53 | −₱2,165.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.3228 | – | ₱433,069.88 | |
| | 17.2760 | AED 0.00 | ₱431,900.59 | −₱1,169.28 |
| | 17.2708 | AED 0.00 | ₱431,770.67 | −₱1,299.21 |
| | 17.2362 | AED 0.00 | ₱430,904.53 | −₱2,165.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 17.3000 | AED 0.00 | ₱432,500.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.4279 | – | ₱435,697.58 | |
| | 17.3808 | AED 0.00 | ₱434,521.19 | −₱1,176.39 |
| | 17.3756 | AED 0.00 | ₱434,390.48 | −₱1,307.10 |
| | 17.3408 | AED 0.00 | ₱433,519.09 | −₱2,178.48 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.4614 | – | ₱436,535.05 | |
| | 17.4143 | AED 0.00 | ₱435,356.41 | −₱1,178.64 |
| | 17.4090 | AED 0.00 | ₱435,225.44 | −₱1,309.61 |
| | 17.3741 | AED 0.00 | ₱434,352.37 | −₱2,182.68 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.3944 | – | ₱434,860.05 | |
| | 17.4000 | AED 0.00 | ₱435,000.00 | +₱139.95 |
| | 17.3474 | AED 0.00 | ₱433,685.93 | −₱1,174.12 |
| | 17.3422 | AED 0.00 | ₱433,555.47 | −₱1,304.58 |
| | 17.3074 | AED 0.00 | ₱432,685.75 | −₱2,174.30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.3469 | – | ₱433,672.33 | |
| | 17.3500 | AED 0.00 | ₱433,750.00 | +₱77.67 |
| | 17.3001 | AED 0.00 | ₱432,501.41 | −₱1,170.92 |
| | 17.2949 | AED 0.00 | ₱432,371.31 | −₱1,301.02 |
| | 17.2602 | AED 0.00 | ₱431,503.96 | −₱2,168.36 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.3627 | – | ₱434,066.93 | |
| | 17.3158 | AED 0.00 | ₱432,894.94 | −₱1,171.99 |
| | 17.3106 | AED 0.00 | ₱432,764.72 | −₱1,302.21 |
| | 17.2759 | AED 0.00 | ₱431,896.59 | −₱2,170.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 17.3300 | AED 0.00 | ₱433,250.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.3220 | – | ₱433,050.20 | |
| | 17.3300 | AED 0.00 | ₱433,250.00 | +₱199.80 |
| | 17.2752 | AED 0.00 | ₱431,880.96 | −₱1,169.24 |
| | 17.2700 | AED 0.00 | ₱431,751.05 | −₱1,299.15 |
| | 17.2354 | AED 0.00 | ₱430,884.95 | −₱2,165.25 |
No data was collected on Tue, 3 Nov 2026.
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.2920 | – | ₱432,300.75 | |
| | 17.2453 | AED 0.00 | ₱431,133.54 | −₱1,167.21 |
| | 17.2402 | AED 0.00 | ₱431,003.85 | −₱1,296.90 |
| | 17.2056 | AED 0.00 | ₱430,139.25 | −₱2,161.50 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.1406 | – | ₱428,515.93 | |
| | 17.1000 | AED 0.00 | ₱427,500.00 | −₱1,015.93 |
| | 17.0944 | AED 0.00 | ₱427,358.93 | −₱1,157.00 |
| | 17.0892 | AED 0.00 | ₱427,230.38 | −₱1,285.55 |
| | 17.0549 | AED 0.00 | ₱426,373.35 | −₱2,142.58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.1875 | – | ₱429,686.88 | |
| | 17.1411 | AED 0.00 | ₱428,526.72 | −₱1,160.16 |
| | 17.1359 | AED 0.00 | ₱428,397.81 | −₱1,289.07 |
| | 17.1015 | AED 0.00 | ₱427,538.44 | −₱2,148.43 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.1814 | – | ₱429,535.30 | |
| | 17.1000 | AED 0.00 | ₱427,500.00 | −₱2,035.30 |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.1839 | – | ₱429,598.12 | |
| | 17.1375 | AED 0.00 | ₱428,438.21 | −₱1,159.91 |
| | 17.1324 | AED 0.00 | ₱428,309.33 | −₱1,288.79 |
| | 17.0980 | AED 0.00 | ₱427,450.13 | −₱2,147.99 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.2229 | – | ₱430,571.60 | |
| | 17.1764 | AED 0.00 | ₱429,409.06 | −₱1,162.54 |
| | 17.1712 | AED 0.00 | ₱429,279.89 | −₱1,291.71 |
| | 17.1367 | AED 0.00 | ₱428,418.74 | −₱2,152.86 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 17.1256 | – | ₱428,141.23 | |
| | 17.0794 | AED 0.00 | ₱426,985.24 | −₱1,155.98 |
| | 17.0743 | AED 0.00 | ₱426,856.80 | −₱1,284.42 |
| | 17.0400 | AED 0.00 | ₱426,000.52 | −₱2,140.70 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 17.1256 | – | ₱428,141.23 | |
|---|---|---|---|---|
| | ||||
| | ||||
| | ||||
| | ||||
| |
Each line shows what the recipient gets when you send AED 25,000, after fees, as quoted by each company. The mid-market line shows what AED 25,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.
The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.
When the blue line goes above the dashed one, you're getting more PHP per AED than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
In the past month, a money transfer company beat the mid-market rate on 3 of the last 30 days.
Right now, Regency FX pays 426,985.24 PHP on 25,000 AED, which is 1,155.98 PHP less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 435,356.41 PHP.
If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to the Philippines.
We've tracked 328 comparisons to check how often today's top companies were the cheapest across 11 amounts over the past month.
Cheapest in 96% of them
Never the cheapest
Never the cheapest
Based on 77 comparisons across 11 amounts over the last 7 days.
Cheapest in 80% of them
Never the cheapest
Cheapest in 1% of them
Based on 328 comparisons across 11 amounts over the last 30 days.
Cheapest in 88% of them
Never the cheapest
Cheapest in 8% of them
Based on 780 comparisons across 11 amounts over the last 90 days.
Different companies can come out cheapest depending on the day and the amount you send.
To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today Regency FX is the cheapest and gets you the most PHP, and it was also the cheapest in 80% of the 188 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to the Philippines.
TorFx (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to the Philippines.
7 companies send money from the UAE to the Philippines, split between currency broker, app, online, multi-currency account, and global business account, and more.
For frequent transfers home
If you send PHP home monthly, money transfer apps like TapTap Send are the easiest with good AED/PHP rates.
Botim, Careem Pay, and e& money are convenient but TapTap Send is cheaper.
On an AED 25,000 transfer it will get you 425,000 PHP in minutes (after 0 fee and 0.74% markup).
Over the past month, TapTap Send was the cheapest app on 85% of the days it appeared for AED25,000 transfers.
You'll need your Emirates ID and a UAE number to register.
For small urgent transfers
You can send AED to the 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 25,000 to the Philippines is usually cheaper with online money transfer services like Wise.
Wise gets you 423,907.97 PHP, with an AED 244.66 fee and 0.01% markup.
In our comparisons over the past month, it was the cheapest online service on 26 of the 28 days it quoted.
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.
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from AED 25,000 it quoted.
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 AED 25,000 at 0.01% markup and holds it until you send or spend it, and gives you account details to receive PHP.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
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 426,985.24 PHP.
You can pay in AED by bank transfer and debit card.
In the Philippines, the recipient can receive PHP through bank deposit, mobile wallet, mobile money, card deposit, and cash pickup.
The recipient can collect PHP from a participating location in the Philippines with valid photo ID and the transfer reference.
You pay AED25,000.00
₱426,985
Cheapest
You pay AED25,000.00
₱425,000
-₱1,985
You pay AED25,000.00
₱425,000
-₱1,985
You pay AED25,000.00
₱425,000
-₱1,985
You pay AED25,003.64
₱425,000
-₱1,985
You pay AED25,004.99
₱425,000
-₱1,985
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 the 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 426,985.24 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 the Philippines. Your recipient gets 425,000 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.
We track 7 licensed companies sending AED to the 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.
In the past 30 days alone, we analysed 328 comparisons across 11 amounts.
This page covers the cheapest and fastest options for AED/PHP transfers. This is how we pick them:
Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.
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.
Advanced filters
Advanced filters
Tailor this money transfer comparison to your needs.
Show companies that support specific transfer features.
Only show providers with user feedback and reviews.
Hide selected providers from the AED/PHP comparison.
Search Now & Save On Your Transfer
Instantly view live exchange rates, fees & features.
Please share your experience with …