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How to Send Money from Australia to Philippines

Make fast, low cost transfers from Australia to Philippines with the best exchange rates.

Read on to find the best providers, top tips, and everything you need to transfer money from Australia to Philippines.

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Ways to send money from Australia to Philippines

The best rated provider for transfers from Australia to Philippines

WorldRemit

Total number of AUD - PHP providers

7

Average cheapest provider for transfers to Philippines from Australia

Instarem

Average cost of the cheapest transfer from Australia to Philippines

$12.66

Best for bank transfers from Australia to Philippines

Instarem

Best for debit card transfers from Australia to Philippines

Instarem

Best for credit card transfers from Australia to Philippines

Instarem

You can always compare rates and fees based on your transfer amount and payment options when sending money.

The best way to send money from Australia to Philippines

Instarem is the best way to send money to Philippines from Australia. This is based on cost, speed, and how easy it is to use.

We analyzed 7 providers that allow AUD to PHP transfers. Instarem emerged as the best option in 44.6% of searches.

How to send money from Australia to Philippines

Follow these steps to send money between Australia and Philippines

  1. Choose your provider. Register with the provider of your choice by clicking on the link above.

  2. Enter your details. Enter your details and provide any of the documents needed.

  3. Start your transfer. Tell your provider that you'd like to send money from Australia to Philippines, how much you'd like to send, and how you'd like to pay for your transfer. You'll also need to add your recipient's details.

  4. Check the recipient's details. This is really important. It can be very difficult to reverse a transfer from Australia to Philippines once it's been sent. Make sure all the details are correct before you submit.

  5. Send the money. When you've checked the details, you can make the transfer.

The cheapest way to send money from Australia to Philippines

The cheapest way to send money from Australia to Philippines is Instarem. On average, transfers from Australia to Philippines with Instarem cost $12.66, making them 0.8 cheaper than their nearest competitor.

Instarem has been the cheapest way to send money from Australia to Philippines for the last three months, on average.

Just to make you aware, bankTransfer was the cheapest payment method.

The current mid-market rate between AUD and PHP is 36.676871. The rate the time you transfer will impact your overall cost. As an example, Wise has averaged -0.05% below the mid-market rate over the last three months, generally making sending money a little cheaper before fees.

Note: The cheapest way to send money isn't always the fastest

Instarem is the cheapest way to send money from Australia to Philippines, but make sure the timeframes work for you.

How the cost of sending money to Philippines from Australia is calculated

The cost of sending money from Australia to Australia depends on several things, including:

The mid-market rate

The current mid-market rate between AUD and PHP is 36.676871. The rate the time you transfer will impact your overall cost. As an example, Wise has averaged -0.05% below the mid-market rate over the last 3 months, generally making sending money a little cheaper before fees.

The markup and fee

Providers will often charge a markup on the rate, fees, or both, for transfers between Philippines and Philippines. This is why Instarem is listed as our cheapest option - they offer the best combination of Australian Dollar to Philippine Peso rates (-0.05) and fees (12.66).

Bank transfers from Australia to Philippines

Bank transfers are the most common way of sending AUD to Philippines as they are secure, reliable, and convenient.

If you want to send Australian Dollars to Philippines via bank transfer, Instarem has been the top rated provider in our comparison system for the last three months, recommended 56.9% of the time.

That’s because companies like Instarem bypass the SWIFT network and rely on their own digital network of banks, making transfers faster and cheaper. As an example, Instarem's transaction fees for Australian Dollars into Philippines have averaged at 26.6 for the last three months. This is significantly lower than the fees charged by banks.

Credit card payments from Australia to Philippines

Credit card payments are quick, convenient, and typically more secure than other methods, thanks to backing by the issuing party. Some users may even be able to rack up reward points when making large transactions.

If you want to send Australian Dollars to Philippines with a credit card, Instarem is your best option. They've been the top rated provider in our comparison system for the last three months, recommended 50% of the time.

Note: Beware of charges

Credit card payments are often classified as cash advances, which bring their own charges, as well as currency conversion and usage fees. Forgetting to pay your balance can also result in high interest charges, and can even damage your credit score.

Debit card payments from Australia to Philippines

Debit card payments let you send money from the Australia to Philippines with the similar convenience of a credit card, and there are usually no tax advance fees. That said, you might still face currency exchange fees, processing fees, and other expenses, making this a pricier option than a simple bank transfer.

If you want to send Australian Dollars to Philippines with a debit card, Instarem is your best option. They've been the top rated provider in our comparison system for the last three months, recommended 50% of the time.

Finding the best exchange rate for AUD to PHP

The mid-market exchange rate changes daily, so timing your transfer can make a big difference to how many PHPs you can get for your AUDs. The average Australian Dollar to Philippine Peso mid-market rate over the last month was 36.6935, with a low of 36.4949 and a high of 37.0929.

For comparison, the best exchange rate for AUD to PHP right now is through Wise, at a difference of -0.02%.

How we find the best transfer deals from Australia to Philippines

We’ve compared the cost, speed, and product offering of the top money transfer services (including WorldRemit) available between Philippines and Australia. Or comparison tool compares providers based on live fees, rates, and transfer times to make sure you get the best deal available.

We also produce unbiased, detailed reviews of all the top money transfer companies for sending Australian Dollar to Philippines, helping you in making smarter, simpler choices. We pride ourselves on our objective reviews, maintaining complete independence in our analysis and ratings.

Take a look at our comprehensive editorial policy for more information about our dedication to integrity and transparency.

Check your provider is regulated

You should only ever use regulated providers to transfer money. If a provider is not regulated, it’s likely to be a scam.

Remember: We will only ever recommend regulated financial institutions.

FAQs

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Contributors

Sarah Edwards
Sarah is a proficient Content Writer who specialises in the financial sector. Her expertise lies in delivering clear, informative articles that help readers navigate the complex world of financial transactions and currency exchanges.