Whether you’re supporting family back home, paying school fees, or covering medical costs, sending money to the Philippines from Australia or New Zealand is something hundreds of thousands of people do every year. The good news: it’s never been easier — or more affordable — than it is today.
This guide walks you through how to send money to the Philippines using OrbitRemit, what it costs, how fast it arrives, and how it stacks up against other providers.
Why New Zealanders and Australians send money to the Philippines
The Philippines is one of the world’s largest recipients of overseas remittances, and the Filipino diaspora in Australia and New Zealand maintains deep financial ties with family back home. Common reasons people send money include:
- Family living expenses — groceries, rent, and daily costs
- Education — tuition fees, school supplies, accommodation
- Healthcare — medical bills and treatments
- Property and business — investments, bills, and supplier payments
- Emergencies and milestones — unexpected costs, weddings, and celebrations
Choosing the right provider means your money arrives faster, with less eaten up by fees and poor exchange rates.
How to send money to the Philippines with OrbitRemit
Sending money to the Philippines is a straightforward process:
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Create an account or log in
Register online or log into your existing account. New customers will need to complete a one-time biometric verification — a quick identity check that keeps your account secure and meets regulatory requirements.
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Set up your transfer
– Select Philippine Peso (PHP) as the receiving currency
– Enter the amount you want to send in AUD or NZD — or the exact amount you want your recipient to receive in PHP
– Review the live exchange rate and fee before you confirmUse OrbitRemit’s currency calculator to see exactly what your recipient will receive.
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Select delivery method
Under Recipient Type, select from:
– Bank Account Deposit: Funds can be deposited directly into Philippine bank accounts, often within the same business day once payment is received.
– Cash Pickup: Recipients can collect money from over 5000 collection locations across the Philippines. Once OrbitRemit receives your payment, your transfer will be released for cash pickup in the Philippines. If you have provided a valid mobile number we will contact your recipient to let them know that the cash is available to collect.
– Mobile Wallet Transfer: OrbitRemit supports mobile wallets such as GCash, Maya, GrabPay, and Coins.ph, allowing recipients to receive funds directly on their mobile phones, often within minutes.
Learn more about Cash Pickup ➡️ https://support.orbitremit.com/hc/en-us/articles/360003281353-Pay-a-person-in-the-Philippines-for-cash-pickup
Learn more about paying to GCash ➡️ https://support.orbitremit.com/hc/en-us/articles/11964421281309-Paying-to-a-GCash-Account-in-the-Philippines
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Add your recipient’s details
You’ll need:
– Full legal name
– Bank account number / bank details / mobile wallet number
– Contact informationDouble-check everything here — accurate details prevent delays and ensure a smooth transfer.
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Pay for your transfer
Choose your preferred payment method:
Australia: Bank transfer, debit card, PayID, Apple Pay, Google Pay
New Zealand: Bank transfer, debit card, POLi, Apple Pay, Google PayOnce payment is received, OrbitRemit processes your transfer. You can track its progress in real time from your account.
What is the fastest way to send money to the Philippines?
Most transfers are significantly faster than the 2–5 working days typical with traditional banks. Here’s what to expect by delivery method:
| Delivery Method | Typical Speed |
|---|---|
| Mobile wallet (GCash, Maya, etc.) | Often within minutes |
| Cash pickup | Often within 1–2 hours of payment |
| Bank deposit | Same business day or next |
Note: First-time transfers may take slightly longer while identity checks are completed. Timing can also vary around public holidays, weekends, and local events in the Philippines.
What does it cost?
From Australia (AUD → PHP)
- Transfers under $10,000 AUD: $4 AUD flat fee
- Transfers of $10,000 AUD or more: fee-free
- AUD to GCash transfers: always fee-free
New customers also get a special promotional exchange rate on their first transfer (up to $500 AUD). See current promo →
From New Zealand (NZD → PHP)
- Transfers under $10,000 NZD: $6 NZD flat fee
- Transfers of $10,000 NZD or more: fee-free
Fees and promotional rates may vary. Terms and conditions apply.
Exchange Rates
OrbitRemit offers competitive exchange rates — often significantly better than the rates offered by traditional banks. Based on internal research, customers can save up to 75% compared with bank rates.*
*Based on internal research conducted in December 2024.
Key benefits of using OrbitRemit (2026)
Low, transparent transfer fees
OrbitRemit charges a fixed, flat transfer fee so you always know the cost upfront — no percentage-based fees, no surprises.
- New customers receive OrbitRemit’s special promo rate plus $0 fees*
- AUD to PHP: $4 AUD per transfer
- AUD to GCash: always fee-free (limits apply)
- NZD to PHP: $6 NZD per transfer
- Transfers of $10,000 or more are fee-free
*New customers only. Limited time offer. Rate subject to change. $500 AUD/$500 NZD limit applies. Terms and conditions apply. Not available in conjunction with any other offer.
Competitive exchange rates
OrbitRemit provides competitive AUD to PHP and NZD to PHP exchange rates that are typically much stronger than those offered by Australian or New Zealand banks. Up to 75% cheaper than the banks.*
*Based on internal research conducted in December 2024.
Security and regulation
From login to delivery, your money and personal information are kept safe using industry-leading encryption and fraud detection systems.
OrbitRemit is regulated in Australia by the Australian Securities and Investments Commission (ASIC) and registered with AUSTRAC, and in New Zealand supervised by the Department of Internal Affairs (DIA) as a licensed money remitter. We follow strict financial, compliance and anti-money laundering requirements to ensure your transfers are always safe and transparent.
Easy-to-use online platform
OrbitRemit offers a user-friendly app and website that allows customers to arrange transfers quickly and track transactions in real time. Customer support is available via email and live chat.
OrbitRemit vs other providers
Recipients in the Philippines can receive funds through:
OrbitRemit vs Traditional Banks
Banks are slow, expensive, and opaque with their exchange rates. OrbitRemit offers faster transfers, better rates, and full fee transparency — without the need to visit a branch.
OrbitRemit vs Wise
Wise uses the mid-market exchange rate with percentage-based fees. OrbitRemit uses a fixed-fee model, which means for larger transfers — especially fee-free transfers above $10,000 — you can come out ahead with OrbitRemit.
OrbitRemit vs Western Union
Western Union’s global cash pickup network is an advantage for recipients without bank accounts. But OrbitRemit also offers cash pickup across 5,000+ Philippine locations, typically with lower fees and a better overall rate.
OrbitRemit vs WorldRemit and Remitly
Digital remittance providers are broadly competitive on speed. Where OrbitRemit stands out is its straightforward fixed pricing, fee-free GCash transfers from Australia, and fee-free structure for large transfers.
Frequently Asked Questions (FAQs)
Is OrbitRemit safe to use?
Yes, OrbitRemit is safe. OrbitRemit is regulated in Australia by the Australian Securities and Investments Commission (ASIC) and registered with AUSTRAC, and in New Zealand supervised by the Department of Internal Affairs (DIA) as a licensed money remitter.
What is the fastest way to send money to the Philippines from Australia?
The fastest way to send money to the Philippines from Australia is by using an online money transfer service such as OrbitRemit. GCash and other mobile wallet transfers are often delivered within minutes. Processing times may vary depending on payment confirmation, account verification status, and public holidays.
What is the fastest way to send money to the Philippines from New Zealand?
The fastest way to send money to the Philippines from New Zealand is by using an online money transfer service such as OrbitRemit. GCash and other mobile wallet transfers are often delivered within minutes. Processing times may vary depending on payment confirmation, account verification status, and public holidays.
What are OrbitRemit’s fees to send to the Philippines from Australia?
Transfers under $10,000 AUD cost $4 AUD per transfer. Transfers sent to GCash are fee-free ($0). Transfers over $10,000 AUD are also fee-free.
Fees and availability may vary depending on the transfer method, payment option and any promotional offers at the time of sending.
How much does it cost to send from New Zealand?
Transfers under $10,000 NZD cost $6 NZD per transfer. Transfers over $10,000 NZD are fee-free.
Fees and availability may vary depending on transfer method, payment option, and promotional offers.
Is there a limit sending to the Philippines from Australia with OrbitRemit?
Yes. Bank account transfers have a daily limit of 50,000,000 PHP. For GCash, the limit is 50,000 PHP per transaction from AUD. For business, charity and trust accounts, the transaction limit is 5,000,000 PHP. Cash pickup limits vary depending on the payout location and are confirmed at checkout.
Is there a limit sending to the Philippines from New Zealand with OrbitRemit?
Yes. Bank account transfers have a daily limit of 50,000,000 PHP. For GCash, the limit is 10,000 PHP per transaction from NZD. For business, charity and trust accounts, the transaction limit is 5,000,000 PHP. Cash pickup limits vary depending on the payout location and are confirmed at checkout.
What information do I need to send money to the Philippines?
You typically need:
– Recipient’s full name
– Bank account details or mobile wallet information
– Contact details for the recipient
Ensuring all information is correct helps prevent transfer delays.
Can I send money to GCash?
Yes. OrbitRemit supports sending money directly to GCash and other supported mobile wallets in the Philippines. Transfers sent from Australia (AUD) to GCash are fee-free ($0), making it a fast and cost-effective option. To send to GCash, enter the recipient’s registered GCash mobile number when setting up your transfer.
Learn more: https://support.orbitremit.com/hc/en-us/articles/11964421281309-Paying-to-a-GCash-Account-in-the-Philippines
Can I send to the Philippines with cash pickup?
Yes. OrbitRemit allows you to send money to the Philippines for cash pickup. Your recipient can collect the funds from over 5,000 participating payout locations. When setting up your transfer, select cash pickup as the delivery option and enter your recipient’s details as shown on their valid identification.
What banks can you send to in the Philippines?
You can send money directly to any bank account in the Philippines. Supported banks and payout partners include Metrobank, PSBank, LBC Express, Cebuana Lhuillier, PERA HUB, M Lhuillier, Globe GCash and many more.
Can I track my OrbitRemit transfer?
Yes. OrbitRemit allows you to track your money transfer in real time through your online account or mobile app.
To learn more, visit: https://support.orbitremit.com/hc/en-us/sections/360001212634-Transfer-Status
What payment methods can I use in Australia?
Australia payment methods include:
– Bank transfer
– Debit card
– PayID
– Apple Pay and Google Pay (where available)
Available payment methods may vary depending on your transfer type, bank, and device. Choosing faster payment options such as PayID or card payments may help speed up transfer processing times.
What payment methods can I use in New Zealand?
New Zealand payment methods include:
– Bank transfer
– Debit card
– POLi
– Apple Pay and Google Pay (where available)
Available payment methods may vary depending on your transfer type, bank, and device. Choosing faster payment options such as PayID or card payments may help speed up transfer processing times.
Ready to send money to the Philippines?
Sending money home doesn’t have to be expensive or complicated. With OrbitRemit, you get:
- Low flat fees — just $4 AUD or $6 NZD per transfer (fee-free over $10,000)
- Free GCash transfers from Australia, every time
- Competitive exchange rates that beat the banks
- Fast delivery — minutes to mobile wallets, same day to bank accounts
- Rated Excellent on Trustpilot with 33,000+ reviews
- Regulated and secure in both Australia and New Zealand
