Send Money from Australia to Philippines

Measured on the full cost — the transfer fee plus the exchange-rate margin — Wise is cheapest on this corridor at A$1,000, across the 3 providers we hold checked figures for. Western Union, Taptap Send, Ria Money Transfer, Xoom and MoneyGram advertise no transfer fee here, which looks cheaper and often is not: a provider with no fee recovers it in the rate, and the margin is usually the larger of the two costs. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Philippine pesos rather than the headline fee.

At A$1,000, Wise is the cheapest of the 3 providers priced at that amount on this corridor: about A$5.89 all in, or 0.59% of the amount sent. Remitly is next at about A$7.40. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at A$1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Yes. Up to A$250, Remitly costs least on this corridor; from A$500 upwards, Wise does. The change happens somewhere between those two amounts — they are the amounts actually priced, so naming a precise crossing point would be a guess dressed as a figure. It changes once more between A$1,000 and A$2,500, in favour of Xoom. This happens because a transfer costs a flat fee plus a percentage of the amount, and those two scale in opposite directions: on a small transfer the fee dominates, on a large one the exchange-rate margin does. It is why a comparison taken at a single amount can point you at the wrong provider for yours.

Delivery ranges from minutes to a few business days depending on the provider and payout method. WorldRemit, Western Union, Ria Money Transfer and Xoom can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are GCash, Maya, Coins.ph, bank deposit, cash pickup, home delivery and card payout. The most widely used options in the Philippines are GCash and Maya wallets, bank deposit and cash pickup. GCash has become the default way to receive remittances in the Philippines, with instant delivery to a mobile number. Not every provider supports every method, so check the table above before you commit.

No. Remitly, WorldRemit, Western Union, Wise, Taptap Send, Ria Money Transfer and Xoom offer cash pickup in the Philippines, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, GCash and Maya wallets, bank deposit and cash pickup generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For AUD to PHP, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Australia under AUSTRAC, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly A$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Your recipient's GCash tier can cap the transfer before your own limit does. GCash publishes a monthly incoming limit by verification level: 5,000 pesos on a basic account, 100,000 on a fully verified one, 500,000 on GCash Plus and 1,000,000 on Platinum. A fully verified recipient can receive 100,000 pesos a month from all sources combined, which is well below what most providers here will let you send. Cash is the priced tier on this corridor. Where an Australian fee is published, bank deposit and mobile wallet cost nothing while cash pickup and home delivery cost money: Remitly charges 4.99 for pickup or delivery and nothing for a bank or wallet, and Taptap Send charges 1.99 AUD for Cebuana pickup and nothing to a wallet or bank. Door-to-door delivery exists on this corridor and is not universal — Remitly, Ria and Xoom offer it; Wise, WorldRemit, Taptap Send and Western Union do not. Published Australian ceilings differ by a factor of three: Remitly states up to 45,000 AUD, MoneyGram states 15,629 AUD and Ria's calculator accepts up to 14,999 AUD. Wise, WorldRemit and Xoom publish no Australian figure at all. Taptap Send publishes the only cut-off time on this corridor: a bank transfer above 50,000 pesos, or sent after 2pm on a Friday, can take two working days rather than the three minutes the same page advertises. The peso hit an all-time low against the US dollar on 4 September 2026, at 62.71, on Gulf oil-supply disruption, rising US Treasury yields and a wide Philippine trade deficit. This corridor is quoted AUD to PHP rather than through the dollar, so the record itself is a USD one — but the pressure is on the peso rather than on any single sending currency, and an Australian dollar has been buying more pesos as a result. The honest caveat is that a weak peso also raises the price of the imported food and fuel your recipient spends it on, so the real gain is smaller than the headline rate suggests.