Question 1

What is the best way to send money from Australia to Philippines?

Accepted Answer

Today, Western Union delivers the highest amount — ₱44,336 for every A$1,000 sent, at a rate of 44.3358 PHP per AUD. Compare every provider's true cost (rate plus fee) above before deciding.

Question 2

What is today's AUD to PHP exchange rate?

Accepted Answer

The mid-market rate right now is approximately 1 AUD = 44.1600 PHP. This is the rate banks use among themselves — providers add a margin on top, which is why the rate you actually get is lower.

Question 3

How much does it cost to send A$1,000 to Philippines?

Accepted Answer

Costs vary significantly. The best provider (Western Union) gives you ₱44,336 after fees. The worst (PayPal) only gives you ₱41,868. That's a difference of ₱2,468 on a single A$1,000 transfer.

Question 4

How long do transfers take?

Accepted Answer

Speed varies by provider and payment method. Western Union typically completes in minutes. Cash pickup networks like MoneyGram, Western Union and Xoom are usually fastest (minutes). Bank wires and ACH transfers can take 1–3 business days.

Question 5

Are there taxes on sending money to Philippines?

Accepted Answer

In most cases, sending money internationally is not taxable for the sender. However, large transfers (typically over $10,000 USD or equivalent) may require reporting to financial authorities such as FinCEN in the US or HMRC in the UK. The recipient country may have its own rules. Always check with a tax professional for your situation.

Provider	Fee	Rate	Recipient gets	Speed
1 Western UnionBest value	Free	44.3358	₱44,336	Minutes	Send
2 Wise	AUD 7.09	44.1600	₱43,847	Within 1 hr	Send
3 Instarem	AUD 7.50	44.1209	₱43,790	Same day	Send
4 Remitly	Free	43.3900	₱43,390	Minutes	Send
5 HSBC Australia	Free	42.9473	₱42,947	1–3 days	Send
6 Westpac	Free	42.4331	₱42,433	1–3 days	Send
7 National Australia Bank	Free	42.4300	₱42,430	1–3 days	Send
8 ANZ	Free	42.3559	₱42,356	1–3 days	Send
9 Commonwealth Bank of Australia	Free	42.0536	₱42,054	1–3 days	Send
10 OFX	AUD 15.00	42.5095	₱41,872	1–2 days	Send
11 PayPal	AUD 5.99	42.1205	₱41,868	Minutes	Send

Send Money from Australia to Philippines — Best AUD/PHP Rates

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