Send Money from Australia to the Philippines (AUD → PHP)
Australia's Filipino community includes a large share of nurses, aged-care and hospitality workers concentrated around Sydney, Melbourne, and Perth, many sending money home on a recurring schedule. Over a year of transfers, the exchange rate margin adds up to far more than any single flat fee.
Below is a live snapshot of what an AU$1,000 transfer actually delivers in PHP across Australian banks and remittance specialists, updated hourly from each provider's own pricing.
Live comparison for A$1,000.00
| Provider | Rate | Fee | Recipient gets |
|---|---|---|---|
| Xoom | 43.1686 | A$0.00 | ₱43,169 |
| Western Union | 42.7999 | A$0.00 | ₱42,800 |
| Remitly | 42.7204 | A$0.00 | ₱42,720 |
| Wise | 42.8427 | A$7.09 | ₱42,539 |
| National Australia Bank | 41.6753 | A$0.00 | ₱41,675 |
Snapshot for A$1,000.00, refreshed hourly.
Providers on this corridor
- Xoom
Xoom, a PayPal service, sends to Philippine banks, GCash, cash pickup, and home delivery, funded instantly from a PayPal balance, bank account, or card — fast, but the exchange-rate margin runs 3%–4% above mid-market.
- Western Union
Western Union is an American financial services and communications company with the world's largest cash-pickup network for money transfers.
- Remitly
Remitly is an American online remittance service offering international money transfers to over 170 countries, with strong Philippines payout coverage.
- Wise
Wise (formerly TransferWise) is a British fintech that provides international money transfers at the mid-market exchange rate with transparent, upfront fees.
Frequently asked questions
What's the cheapest way to send money from Australia to the Philippines?
The cheapest option changes as providers rotate promotions, which is why this table refreshes hourly rather than naming one fixed winner. Providers that quote near the mid-market rate with a small stated fee (Wise, OFX) typically beat banks and cash networks that build their margin into the exchange rate. Compare the "recipient gets" column above, not the advertised fee alone.
How long does an AUD to PHP transfer take?
Bank deposits generally arrive within a few hours to one business day. GCash and Maya wallet payouts are often near-instant once the sender's payment clears. Cash pickup is usually available within minutes of the transfer being funded, subject to the receiving branch's hours.
Are Australian banks like ANZ, Commonwealth Bank, or NAB competitive for this corridor?
They're included in this comparison, but banks typically quote a wider margin below the mid-market rate than dedicated remittance apps, even when they advertise low or no transfer fees. Check the exchange rate column above against the mid-market rate shown, not just the fee, before choosing a bank transfer for convenience.
Can I send AUD straight to a GCash or Maya wallet from Australia?
Yes — most of the specialist and fintech providers in this comparison support direct payout to GCash and Maya alongside bank deposit and cash pickup, and wallet payouts are usually the fastest way for the recipient to access the money.
Does SulitSend charge anything to use this comparison?
No — SulitSend is free to use. Some providers pay us a referral commission if you sign up through our links, but you pay the same price either way; it never affects the rates or ranking shown here.