Transfer AUD to PHP quickly and easily by comparing the latest exchange rates, and best provider fees, speed and reviews from Australia to Philippines.
Send money from Australia to Philippines
🏅 The overall best way to send AUD to Philippines: XE
💲 The cheapest way to send money to Philippines from Australia: Wise
⏲️ The fastest way to send money to Philippines from Australia: WorldRemit
🏦 The best way to send money from Australia to Philippines via a bank transfer: XE
💳 The best provider for credit card transfers from Australia to Philippines: XE
💳 The best provider for debit card transfers from Australia to Philippines: XE
How to send money from Australia to Philippines
Sending money to [COUNTRY_to_NAME] from Australia is straightforward - just compare the providers in the above table to find the best one for your transfer.
Once you’ve found the one you want, click through to their website to finalize your transfer. It takes a few minutes to sign up and enter the required information, like how you want the money to be received and what payment method you prefer. Then you’ll be ready to send money to [COUNTRY_to_NAME].
What is the best way to send money from Australia to Philippines?
The best way to send money from Australia to Philippines is generally to use a money transfer provider. If you’re looking for the best combination of price, speed, and reliability we recommend using XE when sending AUD - PHP.
This means that by using XE for online money transfers to Philippines from Australia, you are likely to save on transfer fees and benefit from fast speeds - so your recipient will receive more money and have it delivered in less time.
What is the cheapest way to send money from Australia to Philippines?
Using a money transfer provider and paying by bank transfer is generally the cheapest way to send money from Australia to Philippines. Wise is the provider currently offering the best rate for your transfer.
Money transfer providers regularly offer cheaper money transfers than banks and other alternatives for transfers to Philippines. You won’t need to make an expensive international wire transfer over the SWIFT network, or pay high fees associated with some digital wallets.
How much does it cost to send money from Australia to Philippines?
The cost in AUD to send money from Australia to Philippines is affected by the following factors:
The transfer fee: The up-front cost of your transfer, this can either be a flat fee or a percentage of the total amount - though some providers don’t charge a fee at all. You’ll likely see the fee in AUD, while the total amount received will be shown in PHP
The exchange rate: The exchange rate is the cost of swapping from AUD to PHP, and most providers add a markup on this rate. This isn’t always quite as obvious so keep an eye out for the rate you’re being offered to ensure you’re getting the best deal
The amount you’re sending: Providers who specialize in sending large amounts of money will likely offer better rates for bigger transfers, while other companies will charge more
Your payment method: Paying by debit or credit card means you’re likely to face a few extra charges than if you would pay by a bank transfer to your chosen provider, although it is faster. The current best provider for credit card payments is XE
What is the fastest way to send money from Australia to Philippines?
The fastest way to send money from Australia to Philippines is WorldRemit. They currently offer the fastest transfer speeds for AUD - PHP transfers.
Using a money transfer provider to send money from Australia to Philippines is the best way to secure a fast and affordable money transfer. Arranging a cash pickup for your recipient often means the money is ready for them in minutes, and paying by debit or credit card could speed up your payment processing time.
How long does it take to send money from Australia to Philippines?
Most money transfer providers will be able to send money from Australia to Philippines within a day if not on the same day. Some providers, like XE and TorFX, can move your money in 1-2 hours, while WorldRemit can send money abroad in minutes. Remember, your transfer speed can also be affected by:
The amount of AUD you’re sending: Most providers still offer fast transfers for large amounts of money from Australia, but there may be extra security checks involved for amounts over a certain threshold
The time of day you send it: If you arrange a transfer from Australia after the cut-off time for any banks or providers involved, you might find your transfer is delayed until the next working day
What details do I need to send money from Australia to Philippines?
To send money from Australia to Philippines, you’ll need to have the following information to hand:
A form of ID: You’ll need to show a form of photo ID, either in-person or through their mobile app, to verify who you are. Most places in Australia will accept a passport, driver’s licence, or proof-of-age card
Recipient details: You will also need to provide details about the recipient, including their full name, address and contact number/email, and also their bank account details. Ensure you’re as accurate as possible here as any inconsistencies could slow down or cancel your transfer
A payment method: Finally, you will require a way to pay for your transaction. Most places will accept a bank transfer or a debit/credit card payment, but some providers also allow you to pay in-person with cash or through a digital wallet
How do I pay for my money transfer from Australia to Philippines?
To pay for your money transfer from Australia to Philippines, you’ll normally have a few different options depending on your provider. The most common methods include bank transfers and card payments, but some accept digital wallets.
Sending money from Australia to Philippines by bank transfer
Paying for your money transfer from Australia to Philippines by bank transfer is one of the most common methods, and also likely the cheapest. You can use XE to send money and pay via bank transfer. You’ll get a great rate, although your transfer may take a little extra time to process.
How it works is that you make a bank transfer from your Australian bank account to the provider’s branch in Australia. The provider will also have a branch in Philippines.
They’ll send the same amount of money in the foreign currency from their branch in Philippines to the recipient’s local bank account - minus fees and exchange rate markups.
It’s less costly than paying by debit or credit card, and much cheaper than sending a direct wire transfer through the SWIFT banking system.
Sending money from Australia to Philippines by credit card
If you want to send money from Australia to Philippines and pay by credit card, many providers will offer this option. We recommend XE as a reliable provider for credit card payments.
Credit cards transfers from Australia offer a few benefits. They are a safe and convenient way to pay for goods and services, and these payments are often processed quicker than bank transfers. Some credit card providers even offer cashback and reward points for each time you use them.
Sending money from Australia to Philippines by debit card
You can also pay for your money transfer with a debit card. If this is your preferred method, we recommend using XE send money to Philippines.
Debit card payments are quicker than bank transfers, but they are also a little more expensive as you’ll usually have to pay a currency conversion fee to your debit card provider. However, they are cheaper than credit card payments as they come with far fewer fees - so it could be a good compromise.
Sending money from Australia to Philippines by digital wallet
Some providers might even let you pay for your money transfer from Australia to Philippines using a digital wallet like Google Pay, Apple Pay or PayPal. Just keep an eye out for any extra fees in place.
How do I receive money sent from Australia to Philippines?
When you receive money sent from Australia to Philippines, you’ll normally have the following options for how to get the money:
Bank deposit: The money will be sent to your bank account in Philippines, where you can then withdraw or transfer the money
Digital wallet deposit: You can have the money sent directly to your mobile money wallet, which can be useful for those who don’t have bank accounts
Cash pickup: You can collect cash from a local money transfer agent if they are available - this is often the quickest way to receive money sent from abroad
When you receive the money from Australia, you might need to give certain details to verify that you’re the correct recipient. You’ll often need to give your full name and address as well as any contact details, and show a form of photo ID. You may also have to give a transaction reference number and quote the exact sum in either AUD or PHP you expect to receive.
How can I find the best AUD - PHP exchange rate?
Finding the best exchange rate is crucial to maximising the money received on the other end. Even a small change in the exchange rate you get can make a big impact - a 1% move on a $100,000 transfer is a difference of $1,000.
Usually, you will receive better exchange rates with money transfer provider compared to a traditional bank. Here’s are a few tips to find the best exchange rate online:
Start looking early: Various providers will offer different exchange rates on different days, start looking as early as you can to identify the best provider for your currency pair.
Pay attention to the current exchange rate: Staying up to date with the current exchange rate will give you the advantage to buy and sell on time. Currencies fluctuate daily due to supply and demand, so checking it frequently is advised to get the best rate possible. Alternatively, you can sign up with our price alerts to know when your currency reaches the desired price.
Avoid using your bank: Banks are trustworthy, reliable and convenient, but they do not provide value for money. They charge high fees and usually have higher costs compared to the money transfer provider. Some money transfer companies will even provide a mid-market rate.
Do I pay tax on money transfers from Australia to Philippines?
You won’t need to pay any tax on AUD you send from Australia, but the recipient receiving the money in Philippines may have to pay. If the transaction is related to business income, the sale of a property, wages from an overseas job, investment income, or a pension then tax may be payable. We recommend you consult a lawyer or an accountant about the unique circumstances surrounding your money transfer, as they will better understand the local laws and customs.
How much money can I send from Australia to Philippines?
There are no official international limits on how much money you can send from Australia to Philippines. However money transfer providers will usually have their own limits in place.