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.
| 8 of 8 providers Last updated on 23 June 2026 This page updates weekly. We collect, store, and analyze AUD/PHP exchange rates from our comparisons. | |||||||||||
| Based on 12,000 AUD transfer Best companies for AUD/PHP transfersAll money transfer offers for AUD/PHP transfers, sorted by most PHP received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||||||||||
| Ad  Wise Pay via Bank Transfer | Fees: $75.95 1 AUD = 42.6415 PHP +0.10% vs mid-market | Recipient gets ₱508,459.38 Same day | |||||||||
Ways to receive money with Wise when paying by Bank Transfer.
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| Ad  Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 42.1798 PHP +1.18% vs mid-market | Recipient gets ₱506,158.08 6-12 Hours | |||||||||
Ways to receive money with Xe when paying by Bank Transfer.
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Click here to run a live search Showing top Australia to Philippines deals for 12,000 AUD. Do a live search with your exact amount for today's best rates. | |||||||||||
Click here to run a live search Showing companies that send from a business account. Run a business search to get live AUD to PHP rates. | |||||||||||
Click here to 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. | |||||||||||
Click here to 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. | |||||||||||
 TorFx Pay via Bank Transfer | Fees: $0.00 1 AUD = 42.5542 PHP +0.30% vs mid-market | Recipient gets ₱510,650.88 6-12 Hours | |||||||||
Ways to receive money with TorFx when paying by Bank Transfer.
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 OFX Pay via Bank Transfer | Fees: $0.00 1 AUD = 42.4689 PHP +0.50% vs mid-market | Recipient gets ₱509,626.51 6-12 Hours | |||||||||
Ways to receive money with OFX when paying by Bank Transfer.
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| Wise Pay via Bank Transfer | Fees: $75.95 1 AUD = 42.6415 PHP +0.10% vs mid-market | Recipient gets ₱508,459.38 Same day | |||||||||
Ways to receive money with Wise when paying by Bank Transfer.
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 Orbit Remit Pay via Bank Transfer | Fees: $0.00 1 AUD = 42.3622 PHP +0.75% vs mid-market | Recipient gets ₱508,346.04 2 Days | |||||||||
Ways to receive money with Orbit Remit when paying by Bank Transfer.
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 Taptap Send Pay via Debit Card | Fees: $0.00 1 AUD = 42.3000 PHP +0.90% vs mid-market | Recipient gets ₱507,600.00 Minutes | |||||||||
Ways to receive money with Taptap Send when paying by Debit Card.
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 Paysend Pay via Debit Card | Fees: $0.00 1 AUD = 42.2533 PHP +1.01% vs mid-market | Recipient gets ₱507,039.55 6-12 Hours | |||||||||
Ways to receive money with Paysend when paying by Debit Card.
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| Paysend Pay via Credit Card | Fees: $0.00 1 AUD = 42.2533 PHP +1.01% vs mid-market | Recipient gets ₱507,039.55 6-12 Hours | |||||||||
Ways to receive money with Paysend when paying by Credit Card.
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| Wise Pay via Debit Card | Fees: $110.22 1 AUD = 42.6415 PHP +0.10% vs mid-market | Recipient gets ₱506,998.05 Same day | |||||||||
Ways to receive money with Wise when paying by Debit Card.
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| Pricing based on Revolut Standard plan  Revolut Pay via Bank Transfer | Fees: $68.00 1 AUD = 42.4279 PHP +0.60% vs mid-market | Recipient gets ₱506,249.64 Next day | |||||||||
Ways to receive money with Revolut when paying by Bank Transfer.
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| 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. | |||||||||||
| Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 42.1798 PHP +1.18% vs mid-market | Recipient gets ₱506,158.08 6-12 Hours | |||||||||
Ways to receive money with Xe when paying by Bank Transfer.
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| Xe Pay via Debit Card | Fees: $36.00 1 AUD = 42.1798 PHP +1.18% vs mid-market | Recipient gets ₱504,639.61 6-12 Hours | |||||||||
Ways to receive money with Xe when paying by Debit Card.
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| Wise Pay via Credit Card | Fees: $190.95 1 AUD = 42.6415 PHP +0.10% vs mid-market | Recipient gets ₱503,555.61 Same day | |||||||||
Ways to receive money with Wise when paying by Credit Card.
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| Xe Pay via Credit Card | Fees: $90.00 1 AUD = 42.1798 PHP +1.18% vs mid-market | Recipient gets ₱502,361.89 6-12 Hours | |||||||||
Ways to receive money with Xe when paying by Credit Card.
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| How Our Results Work Mid-market rate: 1 AUD = 42.682287 PHP Updates every 60 minutes. | |||||||||||
Transfer details
Transfer details
How to send money from Australia to Philippines
Always compare rates
Don't pay more than you have to. Use our to make sure you get the best rates to send money from Australia to the Philippines.
Choose a provider
Select the provider that fits your needs and offers you the most PHP on your Australian Dollars.
Click, sign up & send
Follow the steps & make your transfer. Your funds will soon be on their way to the Philippines.
Considerations for money transfers from Australia to Philippines
Compare providers
Compare providers
Comparing providers offering services between Australia and the Philippines, based on your specific needs is the best way to send money with confidence.
Right now, for AUD/PHP
Wise is our top choice for AUD to PHP transfers. Sending 12,000 AUD to PHP will cost you $75.95 in fees, and you will receive 508,459.38 PHP. The delivery time usually is next day, but it depends on the day you make the transfer.
TorFx offers the lowest cost transfers of the 8 compared. Data collected for transfers between Australia and the Philippines over the past week shows that TorFx is 0.2% cheaper than the second-best option.
Of 8 companies compared, Taptap Send offers the quickest way to send Australian Dollars to the Philippines is with minutes. When speed matters, Taptap Send is our recommended choice for sending into Philippines from Australia.
Our comparison includes 8 companies that provide the ability to send Australian Dollar to Philippines.
This ensures you get the best options for transfers to the Philippines from Australia, based on the amount you want to send.
Watch the fees and the Australian Dollar-Philippine Peso exchange rate
Watch the fees and the Australian Dollar-Philippine Peso exchange rate
The exchange rate determines the price you’ll pay for Philippine Peso when sending Australian Dollar to the Philippines.
The rate between the Australian Dollar and Philippine Peso is currently 42.3212.
The total cost of money transfers from Australia to Philippines is a combination of fees and exchange rates. Get the best of both, and you will be getting a good deal.
The Mid-Market and Exchange Rates: The mid-market rate for AUD-PHP is currently 42.3212 PHP per Australian Dollar. Providers offering services closer to this rate will ensure more Philippine Peso for your Australian Dollars.
Fees: Transfer fees are charged alongside a transfer. The company offering the lowest fee is TorFx, charging 0 AUD per transfer. In all cases, we recommend searching for your exact send amount as fees may change.
Amount Received: Money transfer companies will show you the amount eventually received in Philippine Peso. Simply, the higher the amount received in Australia, the lower the cost of sending from the Philippines.
Sometimes, waiting a day or two can help you get more PHP for the same amount of Australian Dollar. Using a forward contract that also allows you to lock in an agreed exchange rate between Australia and the Philippines.
Choose the right payment method
Choose the right payment method
Sending money via a bank transfer is the recommended option for sending money from Australia to the Philippines.
Here are all the ways to send money from Australia to Philippines:
Bank transfers
Paying via a bank transfer is often the better option for sending money from Australia to the Philippines.
By using a money transfer company such as TorFx for transfers from Australia to the Philippines, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank.
Debit and prepaid cards
Sending money from Australia to the Philippines with a debit or a prepaid card is easy with Wise.
Wise is a one of the better options in the market for international debit card transfers from Australia to the Philippines.
Credit cards
Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone (especially with high cash advance fees).
We recommend using a bank transfer or a debit card transfer if you can; otherwise, .
Size of your transfer and transfer limits
Size of your transfer and transfer limits
Some services between Australia and the Philippines have minimum or maximum thresholds on how much you can transfer. This is applies when receiving money in the Philippines as well.
Companies will offer different rates and fees for different transfer amounts. For regular transfers to the Philippines, use Wise. The combination of rates and fees when sending from Australia to the Philippines is the most competitive, even at larger amounts.
Also, always check with the recipient and understand any declarations needed on large amounts of money leaving Australia, or entering the Philippines. Mis-understanding these could result in a slower, or even failed, transfer.
Receiving money in Philippines
Receiving money in Philippines
There are different ways to receive Philippine Peso in Philippines. This includes a direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.
Not all providers serving transfers from Australia to the Philippines will offer every method for incoming Philippine Peso, so it’s best to check ahead of time.
One of the more common ways to transfer from Australia into Philippine Peso is directly into a bank account. Wise is the best company for bank transfers between Australia and Philippines.
And if you need cash right away, check if cash pickup is an option for transfers between Australia and Philippines.
Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like TorFx.
Have your ID ready
Have your ID ready
When signing up to and sending Australian Dollar to Philippines, through a money transfer company, you will have to verify your ID.
The precise documents you need will vary and in some cases you will need more than one.
For the most part however, in Australia this will be a government issued ID such as a passport or driver's license. In the Philippines it will be similar, although this should only be needed if you are opening a new account in the Philippines, or collecting in cash. Sending to an existing bank account in the Philippines shouldn’t require any additional ID checks.
Large transactions between Australia and Philippines, are subject to additional checks. A provider may ask you for proof of address or may want to carry out a proof of funds check.
One of the reasons Wise has scored so highly for transfers to the Philippines is their easy sign up process in Australia.
Tax declarations
Tax declarations
When sending large amounts of money between Australia and Philippines there will potentially be a tax declaration to consider.
Some transfers into Philippine Peso may need to be reported to tax authorities in the Philippines, particularly where inheritance or property purchases are involved.
Tax limits and personal allowances will change in the Philippines based on age, income and a few other elements. When in doubt, please contact a tax professional in Australia or the Philippines to discuss your personal circumstances.
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 = 42.321157 PHP
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Philippines and Australia.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from Australia to Philippines.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
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