Of the 13 companies we analysed, Orbit Remit is the cheapest app overall for sending $2,000 to Philippines.
On a 2,000 AUD transfer it will get your recipient 89,290.52 PHP.
| 13 of 13 providers Last updated on 28 September 2026 | |||
| Based on 2,000 AUD transfer Best companies for AUD/PHP transfers | |||
| Ad  Wise Pay via Bank Transfer | Fees: $10.98 1 AUD = 43.8558 PHP +0.04% vs mid-market | Recipient gets ₱87,230.06 Within minutes | |
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 = 43.8558 PHP ₱87,230.06You pay$2,000.00 | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $1.49 1 AUD = 43.2929 PHP +1.33% vs mid-market | Recipient gets ₱86,585.80 6-12 Hours | |
Ways to receive money in Philippines with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:GCash, Select Wallets $1.491 AUD = 43.2929 PHP ₱86,585.80You pay$2,001.49 Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 43.2775 PHP ₱86,555.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 43.2173 PHP ₱86,434.60You pay$2,003.99 | |||
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. | |||
 Orbit Remit Pay via Bank Transfer | Fees: $0.00 1 AUD = 44.6453 PHP -1.75% vs mid-market | Recipient gets ₱89,290.52 2 Days | |
Ways to receive money in Philippines with Orbit Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 44.6453 PHP ₱89,290.52You pay$2,000.00 Cash pickup2 Days Free1 AUD = 44.6453 PHP ₱89,290.52You pay$2,000.00 Mobile wallet2 DaysAvailable via:Mobile Wallet e.g. GCash Free1 AUD = 44.6453 PHP ₱89,290.52You pay$2,000.00 | |||
 Panda Remit Pay via Bank Transfer | Fees: $5.99 1 AUD = 44.4875 PHP -1.39% vs mid-market | Recipient gets ₱88,708.52 6-12 Hours | |
Ways to receive money in Philippines with Panda Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $5.991 AUD = 44.4875 PHP ₱88,708.52You pay$2,000.00 | |||
 Ria Money Transfer Pay via Credit Card | Fees: $2.89 1 AUD = 44.4100 PHP -1.22% vs mid-market | Recipient gets ₱88,691.66 6-12 Hours | |
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 = 44.4100 PHP ₱88,691.66You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 44.4100 PHP ₱88,691.66You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 44.4100 PHP ₱88,691.66You pay$2,000.00 Cash delivery6-12 HoursAvailable via:Home Delivery $2.891 AUD = 44.3442 PHP ₱88,560.22You pay$2,000.00 | |||
| Ria Money Transfer Pay via Debit Card | Fees: $2.89 1 AUD = 44.4100 PHP -1.22% vs mid-market | Recipient gets ₱88,691.66 6-12 Hours | |
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 = 44.4100 PHP ₱88,691.66You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 44.4100 PHP ₱88,691.66You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 44.4100 PHP ₱88,691.66You pay$2,000.00 Cash delivery6-12 HoursAvailable via:Home Delivery $2.891 AUD = 44.3442 PHP ₱88,560.22You pay$2,000.00 | |||
| Ria Money Transfer Pay via PayID | Fees: $2.89 1 AUD = 44.4100 PHP -1.22% vs mid-market | Recipient gets ₱88,691.66 6-12 Hours | |
Ways to receive money in Philippines with Ria Money Transfer when paying by payid. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 44.4100 PHP ₱88,691.66You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 44.4100 PHP ₱88,691.66You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 44.4100 PHP ₱88,691.66You pay$2,000.00 Cash delivery6-12 HoursAvailable via:Home Delivery $2.891 AUD = 44.3442 PHP ₱88,560.22You pay$2,000.00 | |||
 Instarem Pay via PayID | Fees: $0.00 1 AUD = 43.8170 PHP +0.13% vs mid-market | Recipient gets ₱87,634.00 6-12 Hours | |
Ways to receive money in Philippines with Instarem when paying by payid. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 43.8170 PHP ₱87,634.00You pay$2,000.00 | |||
| Instarem Pay via Bank Transfer | Fees: $0.00 1 AUD = 43.8170 PHP +0.13% vs mid-market | Recipient gets ₱87,634.00 6-12 Hours | |
Ways to receive money in Philippines with Instarem when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 43.8170 PHP ₱87,634.00You pay$2,000.00 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 AUD = 43.7330 PHP +0.32% vs mid-market | Recipient gets ₱87,465.95 Next Day | |
Ways to receive money in Philippines with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 43.7330 PHP ₱87,465.95You pay$2,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 AUD = 43.7330 PHP +0.32% vs mid-market | Recipient gets ₱87,465.95 Next Day | |
Ways to receive money in Philippines with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 43.7330 PHP ₱87,465.95You pay$2,000.00 | |||
| Wise Pay via Bank Transfer | Fees: $10.98 1 AUD = 43.8558 PHP +0.04% vs mid-market | Recipient gets ₱87,230.06 Within minutes | |
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 = 43.8558 PHP ₱87,230.06You pay$2,000.00 | |||
| Wise Pay via Osko | Fees: $10.98 1 AUD = 43.8558 PHP +0.04% vs mid-market | Recipient gets ₱87,230.06 Within minutes | |
Ways to receive money in Philippines with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $10.981 AUD = 43.8558 PHP ₱87,230.06You pay$2,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank Transfer | Fees: $3.00 1 AUD = 43.6732 PHP +0.46% vs mid-market | Recipient gets ₱87,215.38 Within minutes | |
Ways to receive money in Philippines with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $3.001 AUD = 43.6732 PHP ₱87,215.38You 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. | |||
 OFX Pay via Bank Transfer | Fees: $0.00 1 AUD = 43.5876 PHP +0.65% vs mid-market | Recipient gets ₱87,175.20 6-12 Hours | |
Ways to receive money in Philippines with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 43.5876 PHP ₱87,175.20You pay$2,000.00 | |||
 Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 43.5322 PHP +0.78% vs mid-market | Recipient gets ₱87,064.30 6-12 Hours | |
Ways to receive money in Philippines with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 43.5322 PHP ₱87,064.30You pay$2,000.00 | |||
| Wise Pay via Debit Card | Fees: $16.50 1 AUD = 43.8558 PHP +0.04% vs mid-market | Recipient gets ₱86,987.98 Within minutes | |
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 = 43.8558 PHP ₱86,987.98You pay$2,000.00 | |||
 Remitly Pay via PayTo | Fees: $0.00 1 AUD = 43.4800 PHP +0.90% vs mid-market | Recipient gets ₱86,960.00 2 Days | |
Ways to receive money in Philippines with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 43.4800 PHP ₱86,960.00You pay$2,000.00 | |||
| Xe Pay via Debit Card | Fees: $6.00 1 AUD = 43.5322 PHP +0.78% vs mid-market | Recipient gets ₱86,803.11 6-12 Hours | |
Ways to receive money in Philippines with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $6.001 AUD = 43.5322 PHP ₱86,803.11You pay$2,000.00 | |||
 TapTap Send Pay via Debit Card | Fees: $0.00 1 AUD = 43.3500 PHP +1.20% vs mid-market | Recipient gets ₱86,700.00 Minutes | |
Ways to receive money in Philippines with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AUD = 43.3500 PHP ₱86,700.00You pay$2,000.00 Mobile walletMinutesAvailable via:Coins.ph, GCash, Maya Free1 AUD = 43.3500 PHP ₱86,700.00You pay$2,000.00 Mobile moneyMinutesAvailable via:Globe Free1 AUD = 43.3500 PHP ₱86,700.00You pay$2,000.00 Card depositMinutesAvailable via:Pay To Card $1.381 AUD = 43.3500 PHP ₱86,700.00You pay$2,001.38 Cash pickupMinutesAvailable via:Cebuana, Palawan Pawnshop & Others $1.991 AUD = 43.3500 PHP ₱86,700.00You pay$2,001.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $1.49 1 AUD = 43.2929 PHP +1.33% vs mid-market | Recipient gets ₱86,585.80 6-12 Hours | |
Ways to receive money in Philippines with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:GCash, Select Wallets $1.491 AUD = 43.2929 PHP ₱86,585.80You pay$2,001.49 Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 43.2775 PHP ₱86,555.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 43.2173 PHP ₱86,434.60You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via POLi | Fees: $1.49 1 AUD = 43.2929 PHP +1.33% vs mid-market | Recipient gets ₱86,585.80 6-12 Hours | |
Ways to receive money in Philippines with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:GCash, Select Wallets $1.491 AUD = 43.2929 PHP ₱86,585.80You pay$2,001.49 Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 43.2775 PHP ₱86,555.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 43.2173 PHP ₱86,434.60You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $32.99 1 AUD = 43.2929 PHP +1.33% vs mid-market | Recipient gets ₱86,585.80 6-12 Hours | |
Ways to receive money in Philippines with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:GCash, Select Wallets $32.991 AUD = 43.2929 PHP ₱86,585.80You pay$2,032.99 Bank deposit6-12 HoursAvailable via:All Banks $32.991 AUD = 43.2775 PHP ₱86,555.00You pay$2,032.99 Cash pickup6-12 Hours $32.991 AUD = 43.2173 PHP ₱86,434.60You pay$2,032.99 | |||
| Instarem Pay via Debit Card | Fees: $24.00 1 AUD = 43.8170 PHP +0.13% vs mid-market | Recipient gets ₱86,582.39 6-12 Hours | |
Ways to receive money in Philippines with Instarem when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $24.001 AUD = 43.8170 PHP ₱86,582.39You pay$2,000.00 | |||
| Xe Pay via Credit Card | Fees: $15.00 1 AUD = 43.5322 PHP +0.78% vs mid-market | Recipient gets ₱86,411.32 6-12 Hours | |
Ways to receive money in Philippines with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $15.001 AUD = 43.5322 PHP ₱86,411.32You pay$2,000.00 | |||
| Wise Pay via Credit Card | Fees: $29.99 1 AUD = 43.8558 PHP +0.04% vs mid-market | Recipient gets ₱86,396.36 Within minutes | |
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 = 43.8558 PHP ₱86,396.36You pay$2,000.00 | |||
| Remitly Pay via Debit Card | Fees: $0.00 1 AUD = 43.0900 PHP +1.80% vs mid-market | Recipient gets ₱86,180.00 2 Days | |
Ways to receive money in Philippines with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 43.0900 PHP ₱86,180.00You pay$2,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 AUD = 43.0900 PHP +1.80% vs mid-market | Recipient gets ₱86,180.00 2 Days | |
Ways to receive money in Philippines with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 AUD = 43.0900 PHP ₱86,180.00You pay$2,020.00 | |||
 NAB Pay via Bank Transfer | Fees: $0.00 1 AUD = 42.3856 PHP +3.45% vs mid-market | Recipient gets ₱84,771.21 3-5 Days | |
Ways to receive money in Philippines with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 42.3856 PHP ₱84,771.21You pay$2,000.00 | |||
| How Our Results Work Mid-market rate: 1 AUD = 43.8728 PHP Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Orbit Remit at 89,290.52 PHP on $2,000.
Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.
You have 7 ways to pay, including bank transfer, debit card, credit card, payid, osko, payto, 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.
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).
How much AUD you send to 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | -1.75% | $0.00 | ₱44,645.26with bank transfer to bank deposit | +₱1,085.19 | |
| $1,500 | -1.74% | $0.00 | ₱66,967.89with bank transfer to bank deposit | +₱1,576.23 | |
| $2,000This page | -1.75% | $0.00 | ₱89,290.52with bank transfer to bank deposit | +₱2,108.35 | |
| $3,000 | -1.82% | $0.00 | ₱133,935.78with bank transfer to bank deposit | +₱3,553.08 | |
| $7,500 | -1.70% | $0.00 | ₱334,839.45with bank transfer to bank deposit | +₱8,150.83 | |
| $12,000 | -1.70% | $0.00 | ₱535,743.12with bank transfer to bank deposit | +₱13,396.00 | |
| $15,000 | -1.74% | $0.00 | ₱669,678.90with bank transfer to bank deposit | +₱16,790.23 | |
| $100,000 | -1.75% | $0.00 | ₱4,464,526.00with bank transfer to bank deposit | +₱111,789.99 | |
| $250,000 | -1.70% | $0.00 | ₱11,161,315.00with bank transfer to bank deposit | +₱274,660.38 | |
| $500,000 | -1.78% | $0.00 | ₱22,322,630.00with bank transfer to bank deposit | +₱524,267.47 |
Mid-market rate: 1 AUD = 43.8728 PHP
13 money transfer companies let you send money from Australia to Philippines.
Cheapest for most transfers
Sending money online with a “self-service” provider is usually the cheapest way to send money to Philippines.
For example, sending $500 with Orbit Remit will get you 89,290.52 PHP after a $0 fee and -1.75% markup.
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
An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.
Orbit Remit takes $0 in fees and -1.75% markup on a $0 transfer, and your PHP arrives in 2 days.
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
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 OFX drops the fee entirely and works on margin instead.
With OFX you get 0.65% on AUD/PHP, and it gets lower the more you send.
You also get an account manager for the whole thing.
For overseas business payments
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 let you hold AUD and PHP in one account, and convert when the rate suits you.
Wise converts $2,000 at 0.04% markup, and the PHP sits in your account until you spend or transfer it.
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
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 $2,000 transfer, a bank like NAB adds 3.45% markup and delivers 84,771.21 PHP, against 89,290.52 PHP via Orbit Remit (the cheapest option).
With Orbit Remit, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending $2,000 gives your recipient 89,290.52 PHP.
You can fund the transfer with bank transfer, debit card, credit card, payid, osko, payto, 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, mobile money, and card deposit.
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 wallet
Use the mobile number registered to the recipient's supported wallet. 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.
You pay $2,000.00
₱89,291
Cheapest
You pay $2,000.00
₱89,291
₱0
You pay $2,000.00
₱89,291
₱0
You pay $2,000.00
₱88,692
-₱599
You pay $2,000.00
₱88,692
-₱599
You pay $2,000.00
₱88,692
-₱599
You pay $2,000.00
₱88,692
-₱599
You pay $2,000.00
₱88,692
-₱599
You pay $2,000.00
₱88,692
-₱599
You pay $2,000.00
₱88,692
-₱599
You pay $2,000.00
₱88,692
-₱599
You pay $2,000.00
₱88,692
-₱599
You pay $2,000.00
₱88,560
-₱730
You pay $2,000.00
₱88,560
-₱730
You pay $2,000.00
₱88,560
-₱730
You pay $2,000.00
₱87,230
-₱2,060
You pay $2,000.00
₱86,960
-₱2,331
You pay $2,000.00
₱86,700
-₱2,591
You pay $2,001.38
₱86,700
-₱2,591
You pay $2,001.49
₱86,586
-₱2,705
You pay $2,002.99
₱86,555
-₱2,736
You pay $2,003.99
₱86,435
-₱2,856
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.
For an $2,000 transfer to Philippines, these are the best options right now:
Cheapest
Orbit Remit is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 89,290.52 PHP, which is 0.65% more than the next best option.
Fastest
Revolut delivers 87,215.38 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 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 Philippines.
Confirm the registered business name shown by your bank before approving the PayID payment.
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.
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.
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.
Small changes in the AUD/PHP rate can make a noticeable difference to the amount received, especially on a larger transfer.
Mid-market rate:1 AUD = 43.960512 PHP
We track 13 companies sending AUD to the Philippines, all holding an Australian licence, with rates refreshed in real time when running a live search.
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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