MoneyTransfers

How to send money to the UAE from the Philippines with the best PHP-AED rate

Wise is the cheapest overall way to send money from the Philippines to the United Arab Emirates, turning PHP 14,700 into 847.79 AED at 0.058308 AED per PHP.

There are 3 companies that send money from the Philippines to the United Arab Emirates, and you can send PHP via online, app, multi-currency account, global business account, and in person.

Best companies for PHP/AED transfers

3 of 3 providers

Last updated on 10 November 2026

Based on 14,700 PHP transfer

Best companies for PHP/AED transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee ₱160.28 1 PHP = 0.0583 AED 0.00% vs mid-market Recipient gets AED 847.79 Within minutes
25 reviews
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in United Arab Emirates with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
₱160.281 PHP = 0.0583 AED
AED 847.79You pay₱14,700.00

Run a live search

Showing top Philippines to United Arab Emirates deals for 14,700 PHP. Do a live search with your exact amount for today's best rates.

Wise

Pay via Bank transfer
Fee ₱160.28 1 PHP = 0.0583 AED 0.00% vs mid-market Recipient gets AED 847.79 Within minutes
25 reviews
CheapestOur top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in United Arab Emirates with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
₱160.281 PHP = 0.0583 AED
AED 847.79You pay₱14,700.00
Send Money Between PayPal Accounts

PayPal App (P2P Transfer)

Pay via Bank transfer
Fee ₱588.00 1 PHP = 0.0548 AED +6.00% vs mid-market Recipient gets AED 773.47 Minutes
0 reviews
Fastest

Ways to receive money in United Arab Emirates with PayPal App (P2P Transfer) when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes
₱588.001 PHP = 0.0548 AED
AED 773.47You pay₱14,700.00
Send cash via a MoneyGram agent

MoneyGram Agent

Pay via Bank transfer
Fee ₱588.00 1 PHP = 0.0548 AED +6.00% vs mid-market Recipient gets AED 773.47 Minutes - 3 days
0 reviews

Ways to receive money in United Arab Emirates with MoneyGram Agent when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
₱588.001 PHP = 0.0548 AED
AED 773.47You pay₱14,700.00
How Our Results Work
Mid-market rate: 1 PHP = 0.0583 AED Updates every 60 minutes.

How to send money from Philippines to UAE

Pick a company

For a one-off transfer from the Philippines, I suggest picking the cheapest option which is Wise.

Wise was the cheapest on 30 of the 30 days it quoted ₱14,700 transfers to the UAE.

On a 14,700 PHP transfer, Wise delivers the most AED.

This will change depending on how much you actually send, so I suggest running a live search to get the best PHP/AED rate.

Use the filters above if your recipient needs cash rather than a bank deposit.

Fund your transfer

You have 1 ways to pay for the transfer: bank transfer.

Depending on the company, you can use InstaPay which takes seconds to deposit.

Above about a million pesos it goes through PESONet instead, which can take a day.

Verify and send

First time round you'll need a valid ID and your details to match it exactly.

Make sure you do it before you need to send AED to avoid any delays.

Compare amounts

How much PHP are you sending to UAE?

How much PHP you send to the UAE 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 Wise was the cheapest in 86% of all the transfers it quoted over the past month.

Cheapest service
₱10,000-0.07%₱146.23AED 575.10with bank transfer to bank deposit+AED 32.53
₱14,700This page0.00%₱160.28AED 847.79with bank transfer to bank deposit+AED 49.55
₱20,000-0.02%₱176.13AED 1,156.79with bank transfer to bank deposit+AED 69.26
₱50,0000.04%₱265.85AED 2,900.81with bank transfer to bank depositAED 0.00
₱100,000-0.04%₱415.41AED 5,811.20with bank transfer to bank depositAED 0.00
₱400,0000.27%₱0.00AED 23,295.73with bank transfer to bank deposit+AED 8.23

Mid-market rate: 1 PHP = 0.0583 AED

PHP/AED Exchange Rate History

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

The cheapest way to send PHP to AED 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 Wise), across 30 days of comparisons for 14,700 PHP transfers to the UAE.

AED received for ₱14,700, after fees

Tue, Nov 10, 2026Mid-market rateAED 857.13 Wise AED 847.79WiseAED 847.79PayPal App (P2P Transfer)AED 773.47MoneyGram AgentAED 773.47

740
760
780
800
820
840
860
880
At the mid-market rateWith the cheapest optionWisePayPal App (P2P Transfer)MoneyGram Agent
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0585 – AED 859.52
Wise Cheapest 0.0585 ₱160.28 AED 850.61 −AED 8.91
PayPal App (P2P Transfer) 0.0550 ₱588.00 AED 775.63 −AED 83.89
MoneyGram Agent 0.0550 ₱588.00 AED 775.63 −AED 83.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0585 – AED 859.64
Wise Cheapest 0.0585 ₱160.28 AED 850.22 −AED 9.42
PayPal App (P2P Transfer) 0.0550 ₱588.00 AED 775.74 −AED 83.90
MoneyGram Agent 0.0550 ₱588.00 AED 775.74 −AED 83.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0585 – AED 859.85
Wise Cheapest 0.0585 ₱160.28 AED 850.50 −AED 9.35
PayPal App (P2P Transfer) 0.0550 ₱588.00 AED 775.93 −AED 83.92
MoneyGram Agent 0.0550 ₱588.00 AED 775.93 −AED 83.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0582 – AED 855.86
Wise Cheapest 0.0582 ₱160.28 AED 846.79 −AED 9.07
PayPal App (P2P Transfer) 0.0547 ₱588.00 AED 772.33 −AED 83.53
MoneyGram Agent 0.0547 ₱588.00 AED 772.33 −AED 83.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0583 – AED 856.58
Wise Cheapest 0.0583 ₱160.28 AED 847.47 −AED 9.11
PayPal App (P2P Transfer) 0.0548 ₱588.00 AED 772.98 −AED 83.60
MoneyGram Agent 0.0548 ₱588.00 AED 772.98 −AED 83.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0583 – AED 857.11
Wise Cheapest 0.0583 ₱160.28 AED 847.08 −AED 10.03
PayPal App (P2P Transfer) 0.0548 ₱588.00 AED 773.46 −AED 83.65
MoneyGram Agent 0.0548 ₱588.00 AED 773.46 −AED 83.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0583 – AED 857.11
Wise Cheapest 0.0583 ₱160.28 AED 847.08 −AED 10.03
PayPal App (P2P Transfer) 0.0548 ₱588.00 AED 773.46 −AED 83.65
MoneyGram Agent 0.0548 ₱588.00 AED 773.46 −AED 83.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0582 – AED 855.66
Wise Cheapest 0.0582 ₱160.28 AED 846.49 −AED 9.17
PayPal App (P2P Transfer) 0.0547 ₱588.00 AED 772.15 −AED 83.51
MoneyGram Agent 0.0547 ₱588.00 AED 772.15 −AED 83.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0582 – AED 855.61
Wise Cheapest 0.0582 ₱160.28 AED 846.51 −AED 9.10
PayPal App (P2P Transfer) 0.0547 ₱588.00 AED 772.11 −AED 83.50
MoneyGram Agent 0.0547 ₱588.00 AED 772.11 −AED 83.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0580 – AED 852.36
Wise Cheapest 0.0580 ₱160.28 AED 843.60 −AED 8.76
PayPal App (P2P Transfer) 0.0545 ₱588.00 AED 769.17 −AED 83.19
MoneyGram Agent 0.0545 ₱588.00 AED 769.17 −AED 83.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0578 – AED 850.35
Wise Cheapest 0.0579 ₱160.28 AED 841.64 −AED 8.71
PayPal App (P2P Transfer) 0.0544 ₱588.00 AED 767.36 −AED 82.99
MoneyGram Agent 0.0544 ₱588.00 AED 767.36 −AED 82.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0579 – AED 851.09
Wise Cheapest 0.0579 ₱160.28 AED 841.98 −AED 9.11
PayPal App (P2P Transfer) 0.0544 ₱588.00 AED 768.02 −AED 83.07
MoneyGram Agent 0.0544 ₱588.00 AED 768.02 −AED 83.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0577 – AED 848.59
Wise Cheapest 0.0577 ₱160.28 AED 839.54 −AED 9.05
PayPal App (P2P Transfer) 0.0543 ₱588.00 AED 765.76 −AED 82.83
MoneyGram Agent 0.0543 ₱588.00 AED 765.76 −AED 82.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0577 – AED 848.59
Wise Cheapest 0.0577 ₱160.28 AED 839.54 −AED 9.05
PayPal App (P2P Transfer) 0.0543 ₱588.00 AED 765.76 −AED 82.83
MoneyGram Agent 0.0543 ₱588.00 AED 765.76 −AED 82.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0575 – AED 844.93
Wise Cheapest 0.0575 ₱160.28 AED 835.78 −AED 9.15
PayPal App (P2P Transfer) 0.0540 ₱588.00 AED 762.46 −AED 82.47
MoneyGram Agent 0.0540 ₱588.00 AED 762.46 −AED 82.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0574 – AED 843.24
Wise Cheapest 0.0574 ₱160.28 AED 834.47 −AED 8.77
PayPal App (P2P Transfer) 0.0539 ₱588.00 AED 760.94 −AED 82.30
MoneyGram Agent 0.0539 ₱588.00 AED 760.94 −AED 82.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0573 – AED 842.37
Wise Cheapest 0.0573 ₱160.28 AED 833.85 −AED 8.52
PayPal App (P2P Transfer) 0.0539 ₱588.00 AED 760.15 −AED 82.22
MoneyGram Agent 0.0539 ₱588.00 AED 760.15 −AED 82.22
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0575 – AED 845.57
Wise Cheapest 0.0575 ₱160.28 AED 836.41 −AED 9.16
PayPal App (P2P Transfer) 0.0541 ₱588.00 AED 763.05 −AED 82.52
MoneyGram Agent 0.0541 ₱588.00 AED 763.05 −AED 82.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0576 – AED 847.44
Wise Cheapest 0.0577 ₱160.28 AED 838.47 −AED 8.97
PayPal App (P2P Transfer) 0.0542 ₱588.00 AED 764.73 −AED 82.71
MoneyGram Agent 0.0542 ₱588.00 AED 764.73 −AED 82.71
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0576 – AED 846.65
Wise Cheapest 0.0577 ₱160.28 AED 838.57 −AED 8.08
PayPal App (P2P Transfer) 0.0541 ₱588.00 AED 764.01 −AED 82.64
MoneyGram Agent 0.0541 ₱588.00 AED 764.01 −AED 82.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0576 – AED 846.65
Wise Cheapest 0.0577 ₱160.28 AED 838.57 −AED 8.08
PayPal App (P2P Transfer) 0.0541 ₱588.00 AED 764.01 −AED 82.64
MoneyGram Agent 0.0541 ₱588.00 AED 764.01 −AED 82.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0577 – AED 848.79
Wise Cheapest 0.0577 ₱160.28 AED 838.97 −AED 9.82
PayPal App (P2P Transfer) 0.0543 ₱588.00 AED 765.95 −AED 82.84
MoneyGram Agent 0.0543 ₱588.00 AED 765.95 −AED 82.84
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0579 – AED 850.53
Wise Cheapest 0.0579 ₱160.28 AED 841.21 −AED 9.32
PayPal App (P2P Transfer) 0.0544 ₱588.00 AED 767.52 −AED 83.01
MoneyGram Agent 0.0544 ₱588.00 AED 767.52 −AED 83.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0579 – AED 850.72
Wise Cheapest 0.0579 ₱160.28 AED 841.60 −AED 9.12
PayPal App (P2P Transfer) 0.0544 ₱588.00 AED 767.69 −AED 83.03
MoneyGram Agent 0.0544 ₱588.00 AED 767.69 −AED 83.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0582 – AED 855.35
Wise Cheapest 0.0582 ₱160.28 AED 846.28 −AED 9.07
PayPal App (P2P Transfer) 0.0547 ₱588.00 AED 771.87 −AED 83.48
MoneyGram Agent 0.0547 ₱588.00 AED 771.87 −AED 83.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0582 – AED 856.20
Wise Cheapest 0.0583 ₱160.28 AED 847.07 −AED 9.13
PayPal App (P2P Transfer) 0.0548 ₱588.00 AED 772.64 −AED 83.56
MoneyGram Agent 0.0548 ₱588.00 AED 772.64 −AED 83.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0582 – AED 855.57
Wise Cheapest 0.0582 ₱160.28 AED 846.74 −AED 8.83
PayPal App (P2P Transfer) 0.0547 ₱588.00 AED 772.07 −AED 83.50
MoneyGram Agent 0.0547 ₱588.00 AED 772.07 −AED 83.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0582 – AED 855.45
Wise Cheapest 0.0582 ₱160.28 AED 846.74 −AED 8.71
PayPal App (P2P Transfer) 0.0547 ₱588.00 AED 771.96 −AED 83.49
MoneyGram Agent 0.0547 ₱588.00 AED 771.96 −AED 83.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0580 – AED 853.17
Wise Cheapest 0.0580 ₱160.28 AED 844.02 −AED 9.15
PayPal App (P2P Transfer) 0.0546 ₱588.00 AED 769.90 −AED 83.27
MoneyGram Agent 0.0546 ₱588.00 AED 769.90 −AED 83.27
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0583 – AED 857.13
Wise Cheapest 0.0583 ₱160.28 AED 847.79 −AED 9.34
PayPal App (P2P Transfer) 0.0548 ₱588.00 AED 773.47 −AED 83.66
MoneyGram Agent 0.0548 ₱588.00 AED 773.47 −AED 83.66

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send ₱14,700, after fees, as quoted by each company. The mid-market line shows what ₱14,700 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 AED per PHP than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of AED on every transfer from the Philippines.

Right now, Wise pays 847.79 AED on 14,700 PHP, which is 9.34 AED less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 850.61 AED.

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.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to the UAE.

We've tracked 177 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

  1. WiseAppeared in 176 comparisons

    Cheapest in 86% of them

  2. PayPal App (P2P Transfer)Appeared in 87 comparisons

    Never the cheapest

  3. MoneyGram AgentAppeared in 87 comparisons

    Never the cheapest

Based on 177 comparisons across 6 amounts over the last 30 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 Wise is the cheapest and gets you the most AED, and it was also the cheapest in 86% of the 176 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to the UAE.

Ways to send money from the Philippines to UAE

3 companies send money from the Philippines to the United Arab Emirates.

Visa and tuition payments

Online transfers

Online services work well for visa fees, tuition deposits and other payments you need to make before moving abroad.

Wise charges ₱160.28 in fees and 0% markup to send 14,700 PHP.

This will get you 847.79 AED.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Traveling and spending

Multi-currency accounts

A multi-currency account is useful if you regularly pay tuition, rent or other bills in the United Arab Emirates, or if you travel to the UAE often.

Wise lets you hold PHP and AED in one account and converts 14,700 PHP with a 0% exchange-rate markup and small fee.

Over the past month, Wise came out cheapest among multi-currency accounts on 100% of days.

For freelancers

Global accounts

Global accounts help Philippine freelancers and businesses make regular payments to the United Arab Emirates.

Payoneer and Wise Business offer international account details, invoicing and batch payments.

Ways to fund PHP and receive AED in UAE

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₱14,700 gives your recipient 847.79 AED.

To fund the transfer from the Philippines, use bank transfer.

Fund the PHP side through your bank

Use InstaPay for an eligible smaller payment or PESONet when the company supplies bank details.

Both rails send PHP domestically to the company's account before they send it to the United Arab Emirates.

GCash and Maya are mainly for domestic payments. GCash has an international transfer option, but it’s limited and usually costs more.

Your recipient in the United Arab Emirates can receive money by bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay ₱14,700.00

    AED848

    Cheapest

Check this before sending PHP to UAE

A few things to remember about money transfers from the Philippines to the UAE.

Compare PHP/AED transfer services

Cheapest way to send money to the United Arab Emirates

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 847.79 AED, which is 8.77% more than the next best option.

Fastest way to send money to the United Arab Emirates

The fastest option is PayPal App (P2P Transfer). Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 773.47 AED, with collection available in minutes.

A large gift can trigger donor's tax

The Philippines charges 6% donor's tax on total taxable gifts above PHP 250,000 in a calendar year.

The donor pays it, even when the person receiving the money lives abroad.

BIR Form 1800 is due within 30 days of the gift.

This does not make every family payment a taxable donation, but a large personal gift should be checked before sending.

The BIR's Form 1800 guidance explains the threshold, rate and filing deadline.

Philippine payment rails

InstaPay, PESONet, Maya, etc. move PHP between Philippine accounts only.

Some companies allow these as funding methods, but none of them can be used to send international transfers to the United Arab Emirates.

GCash can be used for international transfers, but it is limited and usually more expensive.

PDIC protection

PDIC protects eligible deposits held with a member bank.

It does not protect a transfer after the money has left your bank or a balance held with a non-bank transfer company.

If a BSP-supervised company does not resolve a complaint, you can escalate it through the BSP Online Buddy.

How we analyse the market

We track 3 BSP-supervised companies sending PHP to the United Arab Emirates, updated in real time on live searches.

Fees, exchange rates and the deposit and payout options are all compared, and nothing appears here without passing our review.

In the past 30 days alone, we analysed 177 comparisons across 6 amounts.

This page covers the cheapest and fastest options for PHP/AED 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.

Most pricing comes from the companies themselves. Where we collect it by hand, the table says so.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Philippines

Send money from Philippines to Canada Send money from Philippines to United States Send money from Philippines to Saudi Arabia Send money from Philippines to Indonesia Send money from Philippines to Nigeria Send money from Philippines to India Send money from Philippines to Japan Send money from Philippines to United Arab Emirates Send money from Philippines to Pakistan Send money from Philippines to Qatar Send money from Philippines to Singapore Send money from Philippines to New Zealand Send money from Philippines to Spain Send money from Philippines to United Kingdom Send money from Philippines to Australia Send money from Philippines to Germany Send money from Philippines to Thailand Send money from Philippines to Malaysia Send money from Philippines to South Korea Send money from Philippines to Taiwan

Send money to United Arab Emirates

Send money from India to United Arab Emirates Send money from United States to United Arab Emirates Send money from Saudi Arabia to United Arab Emirates Send money from United Kingdom to United Arab Emirates Send money from Qatar to United Arab Emirates Send money from Germany to United Arab Emirates Send money from South Africa to United Arab Emirates Send money from France to United Arab Emirates Send money from Canada to United Arab Emirates Send money from Turkey to United Arab Emirates Send money from Spain to United Arab Emirates