Best companies for AUD/PHP transfers
12 of 12 providers Last updated on 10 November 2026
Based on 2,000 AUD transfer Best companies for AUD/PHP transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $10.98 1 AUD = 43.5593 PHP 0.00% vs mid-market	Recipient gets ₱86,640.32 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $10.981 AUD = 43.5593 PHP ₱86,640.32You pay$2,000.00
Ad Xe Pay via Debit Card	Fees: $0.00 1 AUD = 43.4603 PHP +0.22% vs mid-market	Recipient gets ₱86,920.52 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 43.4603 PHP ₱86,920.52You pay$2,000.00
Run a live search Showing top Australia to Philippines deals for 2,000 AUD. 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 AUD 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 AUD you're planning to spend in Philippines.
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal.
Ria Money Transfer Pay via Credit Card	Fees: $2.89 1 AUD = 44.4606 PHP -2.05% vs mid-market	Recipient gets ₱88,792.71 6-12 Hours
0 reviews Cheapest
Ways to receive money in Philippines with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 44.4606 PHP ₱88,792.71You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 44.4606 PHP ₱88,792.71You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 44.4606 PHP ₱88,792.71You pay$2,000.00 Cash delivery6-12 HoursAvailable via:Home Delivery $2.891 AUD = 43.7307 PHP ₱87,334.95You pay$2,000.00

Ria Money Transfer Pay via Debit Card	Fees: $2.89 1 AUD = 44.4606 PHP -2.05% vs mid-market	Recipient gets ₱88,792.71 6-12 Hours
0 reviews
Ways to receive money in Philippines with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 44.4606 PHP ₱88,792.71You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 44.4606 PHP ₱88,792.71You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 44.4606 PHP ₱88,792.71You pay$2,000.00 Cash delivery6-12 HoursAvailable via:Home Delivery $2.891 AUD = 43.7307 PHP ₱87,334.95You pay$2,000.00
Ria Money Transfer Pay via PayID	Fees: $2.89 1 AUD = 44.4606 PHP -2.05% vs mid-market	Recipient gets ₱88,792.71 6-12 Hours
0 reviews
Ways to receive money in Philippines with Ria Money Transfer when paying by payid. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 44.4606 PHP ₱88,792.71You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 44.4606 PHP ₱88,792.71You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 44.4606 PHP ₱88,792.71You pay$2,000.00 Cash delivery6-12 HoursAvailable via:Home Delivery $2.891 AUD = 43.7307 PHP ₱87,334.95You pay$2,000.00
Remitly Pay via Bank Transfer	Fees: $0.00 1 AUD = 43.8000 PHP -0.55% vs mid-market	Recipient gets ₱87,600.00 Within a week
19 reviews Receive to bank account or cash pickup
Ways to receive money in Philippines with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 43.8000 PHP ₱87,600.00You pay$2,000.00 Mobile walletWithin a week Free1 AUD = 43.8000 PHP ₱87,600.00You pay$2,000.00 Card depositWithin a week Free1 AUD = 43.8000 PHP ₱87,600.00You pay$2,000.00 Cash pickupWithin a week Free1 AUD = 43.8000 PHP ₱87,600.00You pay$2,000.00 Cash deliveryWithin a week Free1 AUD = 43.8000 PHP ₱87,600.00You pay$2,000.00

Remitly Pay via PayTo	Fees: $0.00 1 AUD = 43.8000 PHP -0.55% vs mid-market	Recipient gets ₱87,600.00 Within a week
19 reviews Receive to bank account or cash pickup
Ways to receive money in Philippines with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 43.8000 PHP ₱87,600.00You pay$2,000.00 Mobile walletWithin a week Free1 AUD = 43.8000 PHP ₱87,600.00You pay$2,000.00 Card depositWithin a week Free1 AUD = 43.8000 PHP ₱87,600.00You pay$2,000.00 Cash pickupWithin a week Free1 AUD = 43.8000 PHP ₱87,600.00You pay$2,000.00 Cash deliveryWithin a week Free1 AUD = 43.8000 PHP ₱87,600.00You pay$2,000.00
OrbitRemit Pay via Bank Transfer	Fees: $0.00 1 AUD = 43.7375 PHP -0.41% vs mid-market	Recipient gets ₱87,474.96 2 Days
0 reviews
Ways to receive money in Philippines with OrbitRemit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 43.7375 PHP ₱87,474.96You pay$2,000.00 Cash pickup2 Days Free1 AUD = 43.7375 PHP ₱87,474.96You pay$2,000.00 Mobile wallet2 DaysAvailable via:Mobile Wallet e.g. GCash Free1 AUD = 43.7375 PHP ₱87,474.96You pay$2,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 43.6092 PHP -0.12% vs mid-market	Recipient gets ₱87,218.47 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Philippines with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 43.6092 PHP ₱87,218.47You pay$2,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 43.6092 PHP -0.12% vs mid-market	Recipient gets ₱87,218.47 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Philippines with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 43.6092 PHP ₱87,218.47You pay$2,000.00
Xe Pay via Debit Card	Fees: $0.00 1 AUD = 43.4603 PHP +0.22% vs mid-market	Recipient gets ₱86,920.52 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 43.4603 PHP ₱86,920.52You pay$2,000.00

Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 43.4603 PHP +0.22% vs mid-market	Recipient gets ₱86,920.52 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 43.4603 PHP ₱86,920.52You pay$2,000.00
Xe Pay via Credit Card	Fees: $0.00 1 AUD = 43.4603 PHP +0.22% vs mid-market	Recipient gets ₱86,920.52 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Philippines with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 43.4603 PHP ₱86,920.52You pay$2,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 43.4000 PHP +0.36% vs mid-market	Recipient gets ₱86,800.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Philippines with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 43.4000 PHP ₱86,800.00You pay$2,000.00 Mobile walletWithin minutes Free1 AUD = 43.4000 PHP ₱86,800.00You pay$2,000.00 Card depositWithin minutes Free1 AUD = 43.4000 PHP ₱86,800.00You pay$2,000.00 Cash pickupWithin minutes Free1 AUD = 43.4000 PHP ₱86,800.00You pay$2,000.00 Cash deliveryWithin minutes Free1 AUD = 43.4000 PHP ₱86,800.00You pay$2,000.00

Remitly Pay via Credit Card	Fees: $0.00 1 AUD = 43.4000 PHP +0.36% vs mid-market	Recipient gets ₱86,800.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Philippines with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 43.4000 PHP ₱86,800.00You pay$2,000.00 Mobile walletWithin minutes Free1 AUD = 43.4000 PHP ₱86,800.00You pay$2,000.00 Card depositWithin minutes Free1 AUD = 43.4000 PHP ₱86,800.00You pay$2,000.00 Cash pickupWithin minutes Free1 AUD = 43.4000 PHP ₱86,800.00You pay$2,000.00 Cash deliveryWithin minutes Free1 AUD = 43.4000 PHP ₱86,800.00You pay$2,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank Transfer	Fees: $3.00 1 AUD = 43.3854 PHP +0.40% vs mid-market	Recipient gets ₱86,640.72 Within minutes
10 reviews Fastest Receive to bank account
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $3.001 AUD = 43.3854 PHP ₱86,640.72You pay$2,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
Wise Pay via Bank Transfer	Fees: $10.98 1 AUD = 43.5593 PHP 0.00% vs mid-market	Recipient gets ₱86,640.32 Within minutes
25 reviews Our top pick Receive to bank accountDedicated support for large transfers
Ways to receive money in Philippines with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $10.981 AUD = 43.5593 PHP ₱86,640.32You pay$2,000.00

Wise Pay via Osko	Fees: $10.98 1 AUD = 43.5593 PHP 0.00% vs mid-market	Recipient gets ₱86,640.32 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Philippines with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $10.981 AUD = 43.5593 PHP ₱86,640.32You pay$2,000.00
OFX Pay via Bank Transfer	Fees: $0.00 1 AUD = 43.2745 PHP +0.65% vs mid-market	Recipient gets ₱86,548.94 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in Philippines with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 43.2745 PHP ₱86,548.94You pay$2,000.00
Wise Pay via Debit Card	Fees: $16.50 1 AUD = 43.5593 PHP 0.00% vs mid-market	Recipient gets ₱86,399.87 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Philippines with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $16.501 AUD = 43.5593 PHP ₱86,399.87You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $2.99 1 AUD = 43.1981 PHP +0.83% vs mid-market	Recipient gets ₱86,396.20 6-12 Hours
2 reviews
Ways to receive money in Philippines with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 43.1981 PHP ₱86,396.20You pay$2,002.99 Mobile wallet6-12 HoursAvailable via:GCash, Select Wallets $1.491 AUD = 43.1950 PHP ₱86,390.00You pay$2,001.49 Cash pickup6-12 Hours $3.991 AUD = 43.1371 PHP ₱86,274.20You pay$2,003.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $2.99 1 AUD = 43.1981 PHP +0.83% vs mid-market	Recipient gets ₱86,396.20 6-12 Hours
2 reviews
Ways to receive money in Philippines with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 43.1981 PHP ₱86,396.20You pay$2,002.99 Mobile wallet6-12 HoursAvailable via:GCash, Select Wallets $1.491 AUD = 43.1950 PHP ₱86,390.00You pay$2,001.49 Cash pickup6-12 Hours $3.991 AUD = 43.1371 PHP ₱86,274.20You pay$2,003.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $2.99 1 AUD = 43.1981 PHP +0.83% vs mid-market	Recipient gets ₱86,396.20 6-12 Hours
2 reviews
Ways to receive money in Philippines with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 43.1981 PHP ₱86,396.20You pay$2,002.99 Mobile wallet6-12 HoursAvailable via:GCash, Select Wallets $1.491 AUD = 43.1950 PHP ₱86,390.00You pay$2,001.49 Cash pickup6-12 Hours $3.991 AUD = 43.1371 PHP ₱86,274.20You pay$2,003.99
TapTap Send Pay via Debit Card	Fees: $0.00 1 AUD = 43.0000 PHP +1.29% vs mid-market	Recipient gets ₱86,000.00 Minutes
2 reviews Receive to bank account
Ways to receive money in Philippines with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AUD = 43.0000 PHP ₱86,000.00You pay$2,000.00 Mobile walletMinutesAvailable via:Coins.ph, GCash, Maya Free1 AUD = 43.0000 PHP ₱86,000.00You pay$2,000.00 Mobile moneyMinutesAvailable via:Globe Free1 AUD = 43.0000 PHP ₱86,000.00You pay$2,000.00 Card depositMinutesAvailable via:Pay To Card $1.381 AUD = 43.0000 PHP ₱86,000.00You pay$2,001.38 Cash pickupMinutesAvailable via:Cebuana, Palawan Pawnshop & Others $1.991 AUD = 43.0000 PHP ₱86,000.00You pay$2,001.99
Panda Remit Pay via Bank Transfer	Fees: $5.99 1 AUD = 43.1021 PHP +1.05% vs mid-market	Recipient gets ₱85,946.02 6-12 Hours
0 reviews
Ways to receive money in Philippines with Panda Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $5.991 AUD = 43.1021 PHP ₱85,946.02You pay$2,000.00
Wise Pay via Credit Card	Fees: $29.99 1 AUD = 43.5593 PHP 0.00% vs mid-market	Recipient gets ₱85,812.26 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Philippines with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $29.991 AUD = 43.5593 PHP ₱85,812.26You pay$2,000.00
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 42.4227 PHP +2.64% vs mid-market	Recipient gets ₱84,845.50 3-5 Days
0 reviews
Ways to receive money in Philippines with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 42.4227 PHP ₱84,845.50You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 43.5576 PHP Updates every 60 minutes.

Why compare

AUD/PHP exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to Philippines

Pick a company

Start with the cheapest, which is Ria Money Transfer at 88,792.71 PHP on A$2,000.

Ria Money Transfer was the cheapest on 4 of the 5 days it quoted A$2,000 transfers to the Philippines.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 7 ways to pay, including bank transfer, debit card, credit card, PayID, PayTo, osko, and POLi.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to Philippines?

How much AUD 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 Ria Money Transfer was the cheapest in 45% of the transfers up to A$2,000 it quoted, and in 45% of all the transfers it quoted.


$700	-3.62%	$0.00	₱31,659.22with debit card to bank deposit	+₱1,080.82
$1,000	-1.85%	$0.00	₱44,450.00with bank transfer to bank deposit	+₱925.89
$1,500	-1.99%	$2.89	₱66,562.41with credit card to bank deposit	+₱1,304.15
$2,000This page	-2.05%	$2.89	₱88,792.71with credit card to bank deposit	+₱1,892.14
$3,000	-0.45%	$0.00	₱131,212.44with bank transfer to bank deposit	+₱1,407.00
$7,500	-0.45%	$0.00	₱328,031.10with bank transfer to bank deposit	+₱3,037.11
$12,000	-0.41%	$0.00	₱524,849.76with bank transfer to bank deposit	+₱5,570.81
$15,000	-0.41%	$0.00	₱656,062.20with bank transfer to bank deposit	+₱6,963.97
$50,000	-0.35%	$0.00	₱2,186,874.00with bank transfer to bank deposit	+₱21,026.61
$100,000	-0.27%	$0.00	₱4,373,748.00with bank transfer to bank deposit	+₱39,850.53
$250,000	-0.45%	$0.00	₱10,934,370.00with bank transfer to bank deposit	+₱108,369.01
$500,000	-0.38%	$0.00	₱21,868,740.00with bank transfer to bank deposit	+₱188,030.46

Mid-market rate: 1 AUD = 43.5576 PHP

AUD/PHP Exchange Rate History

Is today a good time to send money from Australia to Philippines?

The cheapest way to send AUD 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 Ria Money Transfer), across 30 days of comparisons for 2,000 AUD transfers to the Philippines.

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

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 AUD 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 25 of the last 30 days.

Right now, Ria Money Transfer pays 88,792.71 PHP on 2,000 AUD, which is 1,677.52 PHP more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 90,900 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.

If you need to send money now, it's a good time to send.

Ways to send money from Australia to Philippines

12 money transfer companies let you send money from Australia to the Philippines.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to the Philippines.

For example, sending A$2,000 with Ria Money Transfer will get you 88,792.71 PHP after a A$2.89 fee and -2.05% markup.

In our comparisons over the past month, it was the cheapest online service on 4 of the 5 days it quoted.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Ria Money Transfer takes A$2.89 in fees and -2.05% markup on a A$2,000 transfer, and your PHP arrives in 6-12 hours.

Over the past month, Ria Money Transfer was the cheapest app on 80% of the days it appeared for A$2,000 transfers.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like Xe drops the fee entirely and works on margin instead.

With Xe you get 0.22% on AUD/PHP, and it gets lower the more you send.

You also get an account manager for the whole thing.

Our analysis shows Xe was the cheapest broker in 22% of all the transfers it quoted.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in PHP, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and PHP in one account, and convert when the rate suits you.

Revolut converts A$2,000 at 0.4% markup, and the PHP sits in your account until you spend or transfer it.

Over the past month, it came out cheapest among multi-currency accounts on 33% of days.

Most useful if you travel often to the Philippines, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a A$2,000 transfer, a bank like NAB adds 2.64% markup and delivers 84,845.50 PHP, against 88,792.71 PHP via Ria Money Transfer (the cheapest option).

We found NAB was the cheapest bank on 27 of the 27 days it appeared for this amount.

Ways to fund AUD and receive money in Philippines

With Ria Money Transfer, paying by credit card and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 88,792.71 PHP.

Our data shows that Ria Money Transfer gets your recipient 3,947.21 PHP more than NAB, today's cheapest bank, on the same A$2,000.

You can fund the transfer with bank transfer, debit card, credit card, PayID, PayTo, osko, and POLi.

You can pay with PayID

Use the PayID supplied by the company and confirm the recipient name shown by your Australian bank before approving the payment.

Recipients in the Philippines can collect PHP through bank deposit, mobile wallet, cash pickup, cash delivery, card deposit, and mobile money.

Your recipient can have PHP delivered to a mobile wallet, without a bank account.

Use our payout filters above to find the cheapest company offering mobile wallet withdrawals.

Receive PHP in a mobile money

Use the mobile number registered to the recipient's mobile money account. A wrong digit can send the money to a different account.

They can collect cash via Ria Money Transfer

For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in the Philippines.

1

Debit card Bank deposit

You pay A$2,000.00

₱88,793

Cheapest
2

Debit card Mobile wallet

You pay A$2,000.00

₱88,793

₱0
3

Debit card Cash pickup

You pay A$2,000.00

₱88,793

₱0
4

Credit card Bank deposit

You pay A$2,000.00

₱88,793

₱0
5

Credit card Mobile wallet

You pay A$2,000.00

₱88,793

₱0

Show moreShow less

6

Credit card Cash pickup

You pay A$2,000.00

₱88,793

₱0
7

PayID Bank deposit

You pay A$2,000.00

₱88,793

₱0
8

PayID Mobile wallet

You pay A$2,000.00

₱88,793

₱0
9

PayID Cash pickup

You pay A$2,000.00

₱88,793

₱0
10

Bank transfer Bank deposit

You pay A$2,000.00

₱87,600

-₱1,193
11

Bank transfer Mobile wallet

You pay A$2,000.00

₱87,600

-₱1,193
12

Bank transfer Card deposit

You pay A$2,000.00

₱87,600

-₱1,193
13

Bank transfer Cash pickup

You pay A$2,000.00

₱87,600

-₱1,193
14

Bank transfer Cash delivery

You pay A$2,000.00

₱87,600

-₱1,193
15

PayTo Bank deposit

You pay A$2,000.00

₱87,600

-₱1,193
16

PayTo Mobile wallet

You pay A$2,000.00

₱87,600

-₱1,193
17

PayTo Card deposit

You pay A$2,000.00

₱87,600

-₱1,193
18

PayTo Cash pickup

You pay A$2,000.00

₱87,600

-₱1,193
19

PayTo Cash delivery

You pay A$2,000.00

₱87,600

-₱1,193
20

Debit card Cash delivery

You pay A$2,000.00

₱87,335

-₱1,458
21

Credit card Cash delivery

You pay A$2,000.00

₱87,335

-₱1,458
22

PayID Cash delivery

You pay A$2,000.00

₱87,335

-₱1,458
23

Debit card Card deposit

You pay A$2,000.00

₱86,800

-₱1,993
24

Credit card Card deposit

You pay A$2,000.00

₱86,800

-₱1,993
25

Osko Bank deposit

You pay A$2,000.00

₱86,640

-₱2,152
26

POLi Bank deposit

You pay A$2,002.99

₱86,396

-₱2,397
27

POLi Mobile wallet

You pay A$2,001.49

₱86,390

-₱2,403
28

POLi Cash pickup

You pay A$2,003.99

₱86,274

-₱2,519
29

Debit card Mobile money

You pay A$2,000.00

₱86,000

-₱2,793

Consider this before sending AUD to Philippines

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/PHP transfer options

For a A$2,000 transfer to the Philippines, these are the best options right now:

Cheapest

Ria Money Transfer is cheapest when funded by credit card with bank deposit for the payout. Your recipient gets 88,792.71 PHP, which is 1.34% more than the next best option.

Fastest

Revolut delivers 86,640.72 PHP in within minutes when you use bank transfer and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in the Philippines.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in the Philippines.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

How we analyse the market

We track 12 companies sending AUD to the Philippines, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 358 comparisons across 12 amounts.

This page covers the cheapest and fastest options for AUD/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.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

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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Mon, 12 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	43.8332	–	₱87,666.50
OrbitRemit Cheapest	44.6453	$0.00	₱89,290.52	+₱1,624.02
Ria Money Transfer	44.4100	$2.89	₱88,691.66	+₱1,025.16
Remitly	43.4200	$0.00	₱86,840.00	−₱826.50
NAB	42.6590	$0.00	₱85,317.97	−₱2,348.53

Tue, 13 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	43.7428	–	₱87,485.67
Remitly Cheapest	44.0300	$0.00	₱88,060.00	+₱574.33
Ria Money Transfer No quote collected this day	–	–	–	–
OrbitRemit No quote collected this day	–	–	–	–
Bank No quote collected this day	–	–	–	–

Wed, 14 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	44.0553	–	₱88,110.63
Revolut Cheapest	43.8821	$3.00	₱87,632.62	−₱478.01
Ria Money Transfer No quote collected this day	–	–	–	–
Remitly No quote collected this day	–	–	–	–
OrbitRemit No quote collected this day	–	–	–	–
Bank No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	–	–	–
Western Union Cheapest	43.8763	$0.00	₱87,752.60	–
Ria Money Transfer No quote collected this day	–	–	–	–
Remitly No quote collected this day	–	–	–	–
OrbitRemit No quote collected this day	–	–	–	–
Bank No quote collected this day	–	–	–	–

Fri, 16 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	–	–	–
Remitly Cheapest	44.0600	$0.00	₱88,120.00	–
NAB	42.6479	$0.00	₱85,295.77	–
Ria Money Transfer No quote collected this day	–	–	–	–
OrbitRemit No quote collected this day	–	–	–	–

How to send money to the Philippines from Australia with the best AUD-PHP rate

Best companies for AUD/PHP transfers