MoneyTransfers
/Send money/To Philippines/From Australia

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

Compare the best ways to send money from Australia to the Philippines. Find the cheapest, fastest, and most reliable providers with the best AUD to PHP exchange rates.

Explore the best deals, read expert information, and discover all you need to send money to Philippines from Australia.

Transferring the other way? Send PHP from Philippines to Australia instead.
Disclosure
July 29th, 2025
Personal
Business
Search Now & Save On Your Transfer
Instantly view live exchange rates, fees & features.
Australia
AUD
Philippines
PHP
Send
$
Best money transfer companies

Send money from Australia to Philippines

Last updated: Today
Mid-market rate as of 07/29/2025: 1 AUD = 37.396692 PHP
Results below are based on a 12000 AUD search
0 of 11 providers
Sponsored
Wise
Recipient gets (PHP)
₱445,817.72
Full transfer details
Visit Wise
₱10,520 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (PHP)
₱445,821.12
Full transfer details
Visit Xe
₱10,524 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
1
Instarem
Recipient gets (PHP)
₱448,527.60
Full transfer details
Visit Instarem
₱13,230 better than a typical bank*

"Most transfers are instant or same-day. Customers can earn rewards on every transaction."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: First Transfer Deal
2
Regency FX
Recipient gets (PHP)
₱447,548.65
Full transfer details
Visit Regency FX
₱12,251 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Rate match guarantee (T&Cs apply)
3
TorFx
Recipient gets (PHP)
₱447,414.02
Full transfer details
Visit TorFx
₱12,117 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
4
Xe
Recipient gets (PHP)
₱445,821.12
Full transfer details
Visit Xe
₱10,524 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
5
Wise
Recipient gets (PHP)
₱445,817.72
Full transfer details
Visit Wise
₱10,520 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
6
OFX
Recipient gets (PHP)
₱442,518.00
Full transfer details
Visit OFX
₱7,221 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
7
Remitly
Recipient gets (PHP)
₱435,240.00
Full transfer details

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Sponsored
Wise
Recipient gets (PHP)
₱445,817.72
Full transfer details
Visit Wise
₱10,520 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (PHP)
₱445,821.12
Full transfer details
Visit Xe
₱10,524 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
How effectively does your finance team manage international cash flow?

In our experience, there are always efficiencies to be made in how businesses manage international payments in and out.

Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.

Best option: Wise

Wise is our top choice for AUD to PHP transfers.

We tested & reviewed 11 money transfer providers, and Wise scored highly in each category.

Transferring 12,000 AUD to PHP will cost you $76.01 in fees, and your recipient will get 445,817.72 PHP.

For a great mix of cost, speed & features, transfer from Australia to Philippine Peso using Wise.

Wise is the top rated company for sending money from Australia (AUD) to Philippines (PHP) - Wise Screenshot

How to compare deals on Australia to Philippines money transfers

Summary of recent searches

Top rated for transfers from Australia to Philippines
Wise
Total number of AU - PH providers
11
Average cheapest fees & rate
Instarem
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Instarem
Best for debit card
Wise
Best for credit card
Wise

Understanding Australia to Philippines money transfers

1
Comparing providers

Comparing providers when sending money from Australia to the Philippines is the easiest way to make a transfer at the best price.

We’ve compared 11 providers for sending Australian Dollar to Philippines. This ensures you will get the best options for your transfer to the Philippines from Australia.

We rate Wise as the best overall, but comparing gives you a comprehensive view of all the options for transferring money from Australia to the Philippines.

2
Get ahead of the Australian Dollar-Philippine Peso exchange rate
3
Choosing the right payment method
4
Financial regulators in Australia and Philippines
5
Consider transfer limits
6
Receiving money in Philippines
7
Have your ID ready
8
Tax declarations

Cheapest way to send money to the Philippines from Australia: Instarem

Of the 11 providers compared, Instarem is the cheapest option for sending money right now.

The cost is a combination of a fee of 80.4 AUD and an exchange rate for converting Australian Dollar to Philippine Peso that is 0.05% different to the mid-market rate.

We found that Instarem is 0.22% cheaper than the second-best option.

We would recommend Instarem for low cost, affordable transfers from Philippine Pesos to Philippines.

Instarem is the cheapest way to send money from Australia (AUD) to Philippines (PHP) - Instarem Screenshot 1
Instarem is the cheapest way to send money from Australia (AUD) to Philippines (PHP) - Instarem Screenshot 2

Fastest money transfers from Australia to the Philippines: Wise.

Of the 11 money transfer companies tested, Wise offered the quickest way to send Australian Dollars to the Philippines.

A transfer of $12,000 to Philippines with Wise will be within an hour (but can vary depending on the exact amount you send).

Sending money from Australia to the Philippines through Wise will cost you 76.01 AUD in fees.

Wise was one of 11 money transfer providers we compared for overall speed of sending money from Australia to the Philippines. This speed test included depositing Australian Dollars to an account and the average timeframe for sending money to the Philippines.

When fast transfers are a priority, Wise is our best choice for sending from Australia to Philippines.

Wise is the fastest way to send money from Australia (AUD) to Philippines (PHP) - Wise Screenshot

Transfer a large sum of money

When sending large amounts of Australian Dollar to the Philippines it’s best to pick a company with higher maximum limits on exchange rates and send amounts.

From
11 money transfer companies compared, Wise is the best option for large transfers from Australia to the Philippines.

Whether it’s for property purchases, business or any other reason, sending large amounts of money from Australia to the Philippines can become expensive if you use a bank, or the wrong provider.

Wise is the top choice for sending large sums of money to the Philippines from Australia because they offer a strong service and competitive exchange rates.

Understanding the cost of moving money from Australia to Philippines

The total cost of sending money to the Philippines from Australia, is made-up of a combination of fees and exchange rates. Sending with a company that can offer a good deal on both ensures a good deal on your transfer.

The Mid-Market and Exchange Rates: Currently, the mid-market for AUD-PHP is 37.2869 PHP per Australian Dollar.

  • Finding a company offering an exchange rate closer to this will mean more Philippine Peso for your Australian Dollar.

  • The average AUD-PHP mid-market rate for the last 7 days has been 37.6221 PHP per Australian Dollar. This includes a high of 38.0564, and low of 37.3967.

  • Out of the 11 companies compared, Wise offers the best exchange rates.

  • The exchange rate you receive on converting AUD to PHP should be the biggest determining cost factor when transferring Australian Dollar to the Philippines.

Fees: Transfer fees may have to be paid alongside the transfer, either as a set fee or a percentage of the transfer. Instarem has a fee of 80.4 AUD per transfer (which is the cheapest option right now for a $12,000 transfer).

Although you should search for your send amount for actual fees.

Amount Received: Money transfer companies will show you the amount of Philippine Peso eventually received in the Philippines.

A lower cost of sending from Australia will result in more money received in the Philippines.

Finding the best exchange rate between Australian Dollar and Philippine Peso

Getting a strong exchange rate between AUD and PHP is essential. The exchange rate you secure impacts how much PHP you get for your AUD.

Mid-market Rate
1 
AUD
=
37.286891 
PHP

It can pay to track rates, and keep on top of currency trends.

  • In the past 7 days, the mid-market rate from AUD to PHP has averaged 37.6221.

  • In this period there was a high of 38.0564, and a low of 37.3967.

  • Wise, which is our recommended service to send money online from Australia to Philippines offers 37.3883 PHP per AUD which is only 0.02% above the mid-market rate.

Want to secure the best AUD-Philippine Peso exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Australia to Philippines!

Payment options for transfers from Australia to
Philippines

  • Bank transfers

    Bank transfers are often the fastest and cheapest way to send money from Australia to the Philippines.

    Using a money transfer company such as Instarem for payments from Australia to the Philippines, means you can send via a bank transfer and benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    Instarem is the best money transfer provider for bank transfers of the 11 we compared when sending AUD to the Philippines.

    With a fee of 80.4 AUD to transfer money from Australia to the Philippines, Instarem offers a great combination of competitive exchange rates and lower fees.


  • Prepaid and debit cards

    Sending money with a debit card from Australia to the Philippines is easy with Wise.


    Wise is a leader in debit card money transfers from Australia to the Philippines. They are the best option of the 11 transfer companies compared.

  • Credit cards

    When it comes to credit card transfers from Australia to the Philippines, we recommend comparing your options to get the best deal.

    Fee alert: using a credit card to transfer money internationally often results in a fee being charged by your card issuer. That's why we recommend bank transfer or debit card instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Philippines and Australia.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Australia to Philippines.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send AUD to PHP.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

How much money can be transferred from Australia to Philippines?
Are there any tax implications to sending money from Australia to Philippines?
Can I send money from Australia to Philippines with MoneyTransfers.com?
What are the typical transfer fees for sending Australian Dollars to Philippines through various providers?
How long does it take to send money from Australia to Philippines?
What is the best exchange rate I can get for sending money from Australia to Philippines?
Are there any minimum or maximum transfer amounts for sending money from Australia to Philippines?
Can I schedule regular transfers between Australia and Philippines?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
Convert on the go with our currency app
  • Convert 25,000+ currencies

  • Get reviews & insights

  • No ads or subscriptions

  • Compare live transfer deals

Compare, save & shortlist in your account
  • Save your favourite searches

  • Shortlist providers

  • Sync between all your devices

  • Absolutely free