Best Ways to Send Money to the Philippines from Australia (2026)
The Philippines is one of Australia’s most important remittance corridors. With hundreds of thousands of Filipinos calling Australia home, billions of dollars flow between the two countries every year to support families, fund education, cover medical costs, and share in life’s biggest moments.
But not all money transfer services are equal. Fees, exchange rates, delivery options and transfer speeds vary significantly between providers — and the wrong choice can cost you more than you’d expect over the course of a year.
This guide covers the best ways to send money to the Philippines from Australia in 2026, based on fees, exchange rates, delivery options, speed and overall value for Australian senders.
What to look for when sending money to the Philippines
Before comparing providers, it’s worth understanding what makes a transfer service good for the Philippines corridor specifically:
- Transfer fee — flat or percentage-based charge per transaction
- AUD to PHP exchange rate — even a small difference adds up significantly over multiple transfers
- Delivery options — the Philippines has a wide range of payout methods including bank deposit, GCash, PayMaya, GrabPay, Coins.ph and cash pickup. The best services support multiple options
- Transfer speed — GCash transfers can arrive in minutes; bank deposits typically same day
- Regulation and security — only use providers registered with AUSTRAC and regulated by ASIC in Australia
Best ways to send money to the Philippines from Australia (2026)
1. OrbitRemit — Australia’s trusted choice for sending money to the Philippines
Best for: Australians who want the lowest fees, multiple delivery options and fast transfers
OrbitRemit is an Australia and New Zealand-based money transfer service, and the Philippines is one of its strongest corridors.
Fees:
- AUD to PHP via GCash: $0 — free every time
- AUD to PHP via PayMaya, GrabPay, Coins.ph: $0
- AUD to PHP bank deposit: $4
- Transfers over $10,000: fee-free
- New customers: $0 fee + special promo rate on first transfer*
Delivery options:
- GCash, PayMaya, GrabPay, Coins.ph mobile wallets — typically within minutes
- Bank deposit (Metrobank, PSBank, LBC Express, Cebuana Lhuillier, PERA HUB and more) — typically same business day
- Cash pickup — over 5,000 locations across the Philippines — typically within 1–2 hours
Payment methods from Australia: Bank transfer, debit card, PayID, Apple Pay, Google Pay
Why it ranks first: The $0 GCash fee is the clearest differentiator for most Australian senders. GCash is the Philippines’ most widely used mobile wallet, and sending directly to it at no cost — with funds arriving in minutes — makes OrbitRemit the most cost-effective option for the majority of the corridor. Add in same-day bank deposits, 5,000+ cash pickup locations, and four mobile wallet options, and OrbitRemit offers the most complete Philippines transfer service available from Australia.
Awards: WeMoney Best for Value 2025, ProductReview.com.au Top Rated 2025 & 2026, Rated Excellent on Trustpilot from over 33,000 reviews.
Source: orbitremit.com/philippines
*New customers only. Limited time offer. $500 AUD limit applies. Terms and conditions apply.
2. Remitly — Good for Express transfers and GCash delivery
Best for: Senders who need Express speed and GCash delivery
Remitly supports GCash delivery from Australia to the Philippines. It offers two transfer tiers — Express and Economy — with Express transfers to mobile money and cash pickup consistently arriving within minutes.
Fees: Variable depending on transfer amount, payment method and delivery speed. A promotional exchange rate applies to the first transfer only; standard rates apply to subsequent transfers.
Delivery options: GCash, bank deposit, cash pickup
Transfer speed: Express transfers to mobile money and cash pickup arrive within minutes. Economy transfers take 1–3 business days.
Sources: remitly.com/au/en/philippines; SendMoneyCompare Remitly review, verified March 2026
Where to note: Promotional rates for first-time customers revert to standard rates on subsequent transfers. Always check the current rate before sending.
3. Wise — Best for exchange rate transparency
Best for: Senders who prioritise mid-market rate transparency
Wise uses the mid-market exchange rate — the rate you see on Google — and charges a small transparent percentage fee for transfers. There are no hidden markups in the exchange rate itself.
Fees: Percentage-based fee — check Wise’s calculator for current AUD to PHP rates.
Delivery options: Bank deposit to Philippine bank accounts; Wise also supports GCash delivery when sending from a Wise PHP balance to recipients in the Philippines.
Transfer speed: Typically 1–2 working days for bank deposits.
Source: wise.com/ph/blog/how-to-use-wise-philippines
Where to note: Percentage-based fees become more expensive on larger transfers. Always check the total PHP your recipient will receive — not just the headline fee — before comparing with flat-fee providers.
4. Western Union — Best for cash pickup network reach
Best for: Recipients in regional or provincial areas who need wide cash pickup access
Western Union has one of the largest cash pickup networks in the Philippines, including provincial and rural areas that digital-first providers may not reach. The first online transfer carries a $0 fee; standard fees and exchange rate margins apply to subsequent transfers from 21 April 2026.
Fees: $0 fee on first online transfer. Standard fees and exchange rate margins apply to subsequent transfers.
Delivery options: Cash pickup (extensive network), bank deposit
Source: westernunion.com/ph/en/home.html
Where to note: Western Union applies an exchange rate margin on most transfers in addition to any transfer fee. Always check the total PHP your recipient will receive before confirming.
5. WorldRemit — Widely available with GCash support
Best for: Senders looking for a broadly available digital option with GCash delivery
WorldRemit supports GCash transfers from Australia to the Philippines alongside bank deposits and cash pickup.
Delivery options: GCash, bank deposit, cash pickup
Source: finder.com.au — Send money to GCash in the Philippines from Australia
Where to note: Always compare the total PHP your recipient receives — including both the fee and the exchange rate — against other providers before sending.
Which delivery method is best for the Philippines?
GCash is the most popular delivery method for Filipino families receiving money from overseas. Funds arrive within minutes, no bank account is needed, and GCash is accepted at hundreds of thousands of merchants, bills payment services, and ATMs across the Philippines. With OrbitRemit, sending AUD to GCash is completely free — $0 fee — making it the most cost-effective option for the majority of Australian senders.
Bank deposit is the best option for recipients who prefer traditional banking or need to receive larger amounts. OrbitRemit supports transfers to Metrobank, PSBank, LBC Express, Cebuana Lhuillier, PERA HUB and many other Philippine banks, typically arriving the same business day.
Cash pickup is ideal for recipients in regional or provincial areas, or those without a bank account or mobile wallet. OrbitRemit’s network covers over 5,000 locations across the Philippines.
Source: orbitremit.com/philippines
Frequently Asked Questions (FAQs)
What is the cheapest way to send money to the Philippines from Australia?
Sending AUD to GCash via OrbitRemit is completely free — $0 transfer fee — making it the cheapest option for most Australian senders. For bank deposits, OrbitRemit charges a flat $4 fee, which is among the lowest fixed fees available for this corridor.
Sending over $10,000 is also fee-free with OrbitRemit.
What is the fastest way to send money to the Philippines from Australia?
GCash transfers via OrbitRemit are typically delivered within minutes of payment being processed. Cash pickup is usually available within 1–2 hours. Bank deposits typically arrive the same business day.
Can I send money directly to GCash from Australia?
Yes. OrbitRemit, Remitly and WorldRemit all support direct GCash transfers from Australia. With OrbitRemit, the GCash transfer fee from AUD is $0 — free every time.
How much can I send to the Philippines from Australia?
With OrbitRemit, bank account transfers to the Philippines have a daily limit of 50,000,000 PHP. GCash transfers from AUD are limited to 50,000 PHP per transaction. Business accounts have a limit of 5,000,000 PHP.
Is it safe to send money to the Philippines from Australia?
Yes, provided you use a regulated provider. OrbitRemit is regulated by ASIC (AFSL: 470646) and registered with AUSTRAC in Australia, and supervised by the DIA in New Zealand. Every transfer is protected by industry-leading encryption and fraud detection systems.
Start sending money to the Philippines from Australia today
For most Australians sending to the Philippines, OrbitRemit offers the best combination of low fixed fees, fast delivery, and flexible payout options — including $0 GCash transfers that arrive in minutes.
- $0 fee for GCash, PayMaya, GrabPay and Coins.ph transfers
- $4 flat fee for bank deposits — fee-free above $10,000
- Rated Excellent on Trustpilot from over 33,000 reviews
- WeMoney Best for Value 2025
- ProductReview.com.au Top Rated 2025 & 2026
- Regulated by ASIC and registered with AUSTRAC
