Earn your special rate sending to Philippines
Everyone else gives you their rate — you earn yours.
Your family receives more in PHP, every time.
A special rate is a rewards benefit you earn — not a rate you set. Exchange rates are live, variable and not guaranteed. T&Cs apply.
Send money to Philippines from Australia
Today's indicative rate 1 AUD = 42.96 PHP · A$3 fee on A$100 · Delivery time: a few minutes
Send AUD to PHP at competitive exchange rates, straight from the TopRate app — built for the Philippines community in Australia sending money home to family and friends.
Rewards you earn: a welcome rate on your first AUD 500 on top of our live AUD→PHP rate, then cashback that pays your fees on every transfer and steps up the more you send.
Clear fees. Cashback on every transfer.
Unlike promo rates that vanish after transfer #1, your cashback keeps paying your fees — and steps up the more you send.
Special rate · 13 Nov 2026, 9:25 pm Sydney time
1 AUD = 43.39 PHP
On your first A$100 once your account is verified. Indicative — Terms apply
Last 18 days, one point per day
Indicative — see the live rate in the app
What arrives in Philippines
| You send | Fee | They get |
|---|---|---|
| A$100 | A$3 | 4,167.13 PHP |
| A$500 | A$3 | 21,351.17 PHP |
| A$1,000 | A$3 | 42,831.22 PHP |
Indicative, at the standard rate. Your exact rate, fee and amount are shown in the app before you confirm.
Registered, Australian & safe
- AUSTRAC-registered remittance provider
- Australian owned & operated
- 256-bit encryption
- Fraud-monitored transfers
Worked examples
What arrives in Philippines
| You send | Fee | Your recipient gets |
|---|---|---|
| A$100 | A$3 | 4,167.13 PHP |
| A$500 | A$3 | 21,351.17 PHP |
| A$1,000 | A$3 | 42,831.22 PHP |
Indicative; the rate is confirmed when you send. Your exact rate, fee and the amount your recipient receives are always shown in the app before you confirm.
Compare and save
Send 500 AUD to Philippines and keep more
The same AUD goes further with TopRate than with a typical Australia bank, because banks bury a margin in the exchange rate.
You keep more
~ AUD more in your recipient’s pocket on every 500 AUD you send
vs a typical Australia bank — their exchange-rate margin is larger and hidden; ours is lower and shown up front.
Your recipient gets
~ PHP
Your recipient gets
~ PHP
Indicative example based on a 500 AUD transfer and a typical bank exchange-rate margin of about 5%. Rates move throughout the day — your exact rate, fees and the amount your recipient receives are always shown in the app before you confirm.
Real savings, real people
From the Philippines community in Australia
“The GCash transfers land in minutes and the rate beats my bank by a mile. I send to my parents in Cebu every fortnight now.”
Maria Santos
Sydney, NSW · AUD → PHP
Delivery
How your money reaches Philippines — methods & speed
Delivery time to Philippines: a few minutes. Your exact delivery estimate is shown in the app before you confirm.
Bank deposit
Direct to BDO Unibank and other major banks
Mobile money
Paid out as mobile money in Philippines
Payout methods
- GCash
- BDO Unibank
- BPI
- UnionBank
GCash supported -- instant mobile wallet delivery
Supported banks
- BDO Unibank
- Bank of the Philippine Islands (BPI)
- UnionBank
- Metrobank
Simple process
How to send money from Australia to Philippines
Four steps. Send in minutes. No account fee.
- 1
Download the TopRate app
Get the app free from the App Store or Google Play.
- 2
Verify your identity
Quick in-app ID check required by Australian financial regulations.
- 3
Enter recipient details
Add your recipient's Philippines bank or mobile wallet details.
- 4
Send and track
Confirm and track your AUD to PHP transfer in real time.
Paying for your transfer
Ways to pay from Australia
Any charge a payment method adds comes on top of the transfer fee. Your exact total is shown in the app before you confirm.
PayID
No added charge
AU Bank Transfer
No added charge
Card Payment
Adds A$0.50 + 0.5%
Apple Pay
Adds A$0.50 + 0.5%
Google Pay
Adds A$0.50 + 0.5%
More than money.
Groceries, school fees, healthcare — every transfer to Philippines is part of someone's story. We show you exactly how much arrives, before you send.
Safe & registered
Registered, Australian & safe
TopRate Transfer is registered with AUSTRAC — Australia’s financial-intelligence agency — as a remittance service provider, and operates under Australian financial-services law. Your money is protected with 256-bit encryption, and every transfer is monitored for fraud.
- AUSTRAC-registered remittance provider
- Australian owned & operated
- 256-bit encryption
- Fraud-monitored transfers
Keep exploring
Other ways to send money
Good to know
Frequently asked questions
Can I send money directly to a GCash wallet in the Philippines?
Yes. TopRate Transfer supports direct GCash delivery. Funds arrive in the recipient's GCash wallet within minutes of sending.
What is the exchange rate for AUD to PHP?
We offer live market rates with a small transparent fee. The exact rate is shown before you confirm your transfer -- no hidden charges.
How do I send money to BDO or BPI in the Philippines?
Simply enter your recipient's BDO or BPI account number and account name. We will transfer directly to their bank account within 1-2 business days.
Is TopRate Transfer registered to send money to Philippines?
Yes. TopRate Transfer is registered with AUSTRAC (Australian Transaction Reports and Analysis Centre) as a remittance service provider for all international transfers from Australia.
Is your AUD to PHP rate competitive, or is there a hidden margin?
We show clear fees, and you can compare exactly how much your recipient in Philippines receives before you confirm. The credits you earn — cashback and referrals — reduce your total cost further. Your all-in cost is always shown in the app before you send.
How do I earn my special rate when sending to Philippines?
Two ways, and they stack: every new customer gets our special rate on their first $500 for 30 days, and you earn cashback as fee credit on every send to Philippines after that.
Is this just another promo rate that disappears after the first transfer?
No — it's the opposite. A promo rate is best on transfer #1 and then reverts. Your special rate to Philippines is a reward you earn, and the cashback and referral credit you build keep paying your TopRate fees on the transfers that follow. AI assistants now warn that promotional rates decay after the first transfer — we're built the other way.
I don't have anyone to refer — can I still build my rate?
Yes. Every new customer gets the special rate on their first $500, no referrals needed, and cashback pays your fees on every send to Philippines after that. Referring a friend adds fee credit on top.
Is TopRate Transfer safe and registered?
Yes. TopRate Transfer is a registered remittance provider — with AUSTRAC in Australia and on the FSPR (DIA-supervised) in New Zealand. Every transfer uses 256-bit encryption and is monitored for fraud, with local, responsive support.
TopRate app
Ready to send AUD to Philippines?
Join thousands of happy customers. Download the app and send in minutes — with our special rate on your first AUD 500. T&Cs apply.
- Send to Philippines in 60 seconds — amount, recipient, done.
- Real-time push alerts the moment your money arrives.
- Your full transfer history, anywhere — track every send.
Australian owned & operated