RateRunnertransfer cost ledger

Corridor AUD → PHP · Australian dollar to Philippine peso

What does it cost to send Australian dollars to the Philippines?

On 15 October 2026, the most a recipient in the Philippines got for 1,000 AUD was 43,848.86 PHP via Xoom: a true cost of −6.16 AUD (−0.62%) including fee and rate markup. The last of 10 quotes cost 5.11%.

Declaration · Form RR-1

Between 10 and 1,000,000. Snapshot bands: 200 / 1,000 / 5,000; other amounts are fetched live.

Quotes are indicative and come from Wise public comparison data, which lists Wise alongside banks and other services. Ranking is always by what the recipient gets.

Transfer cost receipt · AUD → PHP

Most to the recipient: Xoom transfer service

You send
1,000.00 AUD
Upfront fee
0.00 AUD
Amount converted
1,000.00 AUD
Rate given
43.8489
Mid-market when quoted
43.5804
Rate above mid-market inside the rate
−6.16 AUD −0.62%
True total cost
−6.16 AUD −0.62%
Recipient gets
43,848.86 PHP

Picking the last quote in this ledger (OFX) instead would leave the recipient 2,497.11 PHP short.

Snapshot indicative quotes retrieved 15 Oct 2026, 14:57 UTC. Quote collected 15 Oct 2026, 03:58 UTC. Source: Wise public comparison data.

Confirm the live quote on xoom.com

Plain link to the provider's official site. No commission.

Every quote for 1,000 AUD → PHP

Sorted by what the recipient gets. “True cost” adds the upfront fee to the money lost in the exchange rate versus the mid-market rate at the time each quote was collected.

ProviderUpfront feeRate markupTrue costCost %Recipient getsvs best
1. Xoomservice 0.00 AUD −0.62% −6.16 AUD −0.62% 43,848.86 PHP best
2. Remitlyservice 0.00 AUD 0.40% 3.97 AUD 0.40% 43,407.55 PHP −441.31 PHP
3. Wiseservice 5.89 AUD 0.00% 5.89 AUD 0.59% 43,395.49 PHP −453.37 PHP
4. Instaremservice 7.50 AUD 0.15% 9.03 AUD 0.90% 43,186.79 PHP −662.07 PHP
5. Western Unionservice 0.99 AUD 1.00% 11.02 AUD 1.10% 43,100.10 PHP −748.76 PHP
6. National Australia Bankbank 0.00 AUD 2.58% 25.81 AUD 2.58% 42,455.63 PHP −1,393.23 PHP
7. ANZbank 0.00 AUD 4.34% 43.42 AUD 4.34% 41,688.22 PHP −2,160.64 PHP
8. PayPalservice 5.99 AUD 3.91% 44.86 AUD 4.49% 41,625.38 PHP −2,223.48 PHP
9. Commonwealth Bank of Australiabank 0.00 AUD 4.90% 49.00 AUD 4.90% 41,445.17 PHP −2,403.69 PHP
10. OFXservice 15.00 AUD 3.67% 51.14 AUD 5.11% 41,351.75 PHP −2,497.11 PHP
Set aside, not ranked (1): see methodology
HSBC Australiacollected 64 h before retrieval0.00 AUD2.09%——42,668.25 PHP—

Does the cheapest option change with the amount?

Best and worst true cost by amount, AUD → PHP. Retrieved 15 Oct 2026, 14:57 UTC.
You sendMost to recipientBest costWorst costRecipient gets (best)Gap best vs worstQuotes
200 AUD Remitly 0.40% 6.79% 8,681.51 PHP 557.11 PHP 8
1,000 AUD Xoom −0.62% 5.11% 43,848.86 PHP 2,497.11 PHP 10
5,000 AUD Wise 0.52% 4.90% 217,115.32 PHP 9,889.47 PHP 10

What the AUD → PHP numbers show

  • The provider that delivers the most changes with the amount: Remitly at 200.00 AUD, Xoom at 1,000.00 AUD, Wise at 5,000.00 AUD. Fixed fees weigh heavily on small transfers; rate margins dominate large ones.
  • At 200.00 AUD, true cost ranged from 0.40% (Remitly) to 6.79% (PayPal); the recipient would get 557.11 PHP less with the last quote than with the first.
  • Banks listed for this corridor averaged 3.94% in true cost at 1,000.00 AUD, against 1.71% for non-bank transfer services; on average 100% of the banks' cost sat inside the exchange rate rather than in a stated fee.
  • 3 of 10 quotes at 1,000.00 AUD charged no upfront fee but priced in a rate markup above 0.5%, so “no fee” did not mean free.
  • Xoom quoted a rate above the mid-market rate recorded at collection time (negative markup). That usually reflects a promotional rate or a quote collected at a different moment, so confirm it before relying on it.
True cost as a share of 1,000 AUD, AUD → PHP, by provider (lower is better). Retrieved 15 Oct 2026, 14:57 UTC. Xoom −0.62% Remitly 0.40% Wise 0.59% Instarem 0.90% Western Union 1.10% National Australia Ba… 2.58% ANZ 4.34% PayPal 4.49% Commonwealth Bank of … 4.90% OFX 5.11% grey = upfront fee · red = exchange-rate markup · share of 1,000 AUD
True cost as a share of 1,000 AUD, AUD → PHP, by provider (lower is better). Retrieved 15 Oct 2026, 14:57 UTC.

How does the quoted mid-market rate compare with the ECB reference?

The European Central Bank reference rate for AUD/PHP on 15 October 2026 was 43.5890. The mid-market rate implied by the top quote at its collection time was 43.5804, a difference of −0.02%. ECB rates are published once per working day around 16:00 CET, so they drift from live market rates during the day; RateRunner uses them only as a cross-check, never to rank providers.

Every quote for 200 AUD → PHP

Retrieved 15 Oct 2026, 14:56 UTC. Sorted by what the recipient gets.
ProviderUpfront feeRate markupTrue costCost %Recipient getsvs best
1. Remitlyservice 0.00 AUD 0.40% 0.79 AUD 0.40% 8,681.51 PHP best
2. Wiseservice 1.85 AUD 0.00% 1.85 AUD 0.93% 8,649.76 PHP −31.75 PHP
3. Instaremservice 1.50 AUD 0.15% 1.81 AUD 0.90% 8,637.36 PHP −44.15 PHP
4. Western Unionservice 0.99 AUD 1.10% 3.19 AUD 1.59% 8,577.16 PHP −104.35 PHP
5. National Australia Bankbank 0.00 AUD 2.58% 5.16 AUD 2.58% 8,491.13 PHP −190.38 PHP
6. ANZbank 0.00 AUD 4.34% 8.68 AUD 4.34% 8,337.64 PHP −343.87 PHP
7. Commonwealth Bank of Australiabank 0.00 AUD 4.90% 9.80 AUD 4.90% 8,289.03 PHP −392.48 PHP
8. PayPalservice 5.99 AUD 3.91% 13.58 AUD 6.79% 8,124.40 PHP −557.11 PHP
Set aside, not ranked (2): see methodology
Xoomrate 1.83% above mid-market0.00 AUD−1.83%——8,875.86 PHP—
HSBC Australiacollected 64 h before retrieval0.00 AUD2.09%——8,533.65 PHP—

Every quote for 5,000 AUD → PHP

Retrieved 15 Oct 2026, 14:57 UTC. Sorted by what the recipient gets.
ProviderUpfront feeRate markupTrue costCost %Recipient getsvs best
1. Wiseservice 26.20 AUD 0.00% 26.20 AUD 0.52% 217,115.32 PHP best
2. Remitlyservice 0.00 AUD 0.40% 19.83 AUD 0.40% 217,037.76 PHP −77.56 PHP
3. Xoomservice 0.00 AUD 0.49% 24.71 AUD 0.49% 216,825.30 PHP −290.02 PHP
4. Instaremservice 35.00 AUD 0.15% 42.66 AUD 0.85% 216,042.72 PHP −1,072.60 PHP
5. Western Unionservice 1.99 AUD 0.90% 47.16 AUD 0.94% 215,846.56 PHP −1,268.76 PHP
6. National Australia Bankbank 0.00 AUD 2.58% 129.05 AUD 2.58% 212,278.16 PHP −4,837.16 PHP
7. OFXservice 15.00 AUD 3.67% 197.90 AUD 3.96% 209,277.65 PHP −7,837.67 PHP
8. PayPalservice 5.99 AUD 3.91% 201.28 AUD 4.03% 209,130.25 PHP −7,985.07 PHP
9. ANZbank 0.00 AUD 4.34% 217.09 AUD 4.34% 208,441.12 PHP −8,674.20 PHP
10. Commonwealth Bank of Australiabank 0.00 AUD 4.90% 244.98 AUD 4.90% 207,225.85 PHP −9,889.47 PHP
Set aside, not ranked (1): see methodology
HSBC Australiacollected 64 h before retrieval0.00 AUD2.09%——213,341.23 PHP—

What to check before paying out in Philippines

In the Philippines, transfers to banks and e-wallets usually settle over InstaPay (real-time, lower-value) or PESONet (batch). E-wallet and cash pickup payouts are common and can carry different fees from bank deposits. Source: Bangko Sentral ng Pilipinas: National Retail Payment System.

Read next

Questions people ask

Which provider gave the most for 1,000 AUD sent to Philippines?
Xoom, with 43,848.86 PHP delivered, in the snapshot retrieved 15 Oct 2026, 14:57 UTC. Its upfront fee was 0.00 AUD and its rate markup −0.62%.
How much of the cost of sending AUD to PHP is hidden in the exchange rate?
For the 10 quotes on 1,000 AUD, rate markups ranged from −0.62% to 4.90% of the amount converted. 3 quotes charged no upfront fee but still had a markup above 0.5%.
How current are these AUD to PHP quotes?
RateRunner retrieved them on 15 Oct 2026, 14:57 UTC. Each provider quote also carries its own collection time, shown in the tables, and quotes older than 24 hours are flagged. They are indicative; the price you are offered at checkout can differ.

Related corridors

Sources