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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 — low fees, great rate
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. Trusted by 18,000+ transfers to Philippines.
Special rates are rewards you earn — through cashback, referrals and your first transfer free — applied on top of our live AUD→PHP rate, and they grow every time you send.
Clear fees. Rewards that grow your rate.
Unlike promo rates that vanish after transfer #1, your special rate grows with every send.
Live AUD → PHP rate
Rate updated in real time
Your first transfer is free— no fees on your first send to Philippines
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Real savings, real people
From the Philippines community in Australia
Verified
“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
Fast & flexible delivery
How your money reaches Philippines — methods & speed
Real delivery times per method — no vague “1–5 days” estimates. Most transfers complete well within the windows below.
Mobile money / wallet
Typically within minutesGCash supported -- instant mobile wallet delivery
Bank deposit
Within minutes for GCash, 1-2 days for bankDirect to BDO Unibank and other major banks
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 AUD 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.
Local payment rails
Pay the way Australians pay
Fund your transfer to Philippines straight from your Australian bank using the local payment rails you already trust — no card surcharges, no slow international wires.
PayID
Pay instantly using an email or mobile number — funds clear in seconds.
Osko
Real-time NPP bank transfer so your money is ready to send 24/7.
PayTo
Authorise secure, agreed payments straight from your bank account.
BPAY
Use the familiar biller-code method from your online banking.
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, referrals and your first transfer free — 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?
Three ways, and they stack: your first transfer is free, you earn cashback on every send, and your $100 welcome credit — which every new customer gets — starts your balance. The more you send, the more your rate grows.
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. The credits you earn don't expire; they accumulate and any unused balance carries forward, so your special rate to Philippines holds and grows. 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. Cashback builds your special rate on its own, every time you send to Philippines. Referring a friend just accelerates it.
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.
Reviewed by the TOP RATE TRANSFER PTY LTD team. Last reviewed . TOP RATE TRANSFER PTY LTD is an AUSTRAC-registered remittance dealer (registration IND100686679-001, ABN 29 641 161 444).
TopRate app
Ready to send AUD to Philippines?
Join 18,000+ happy customers. Download the app and send in minutes — your first transfer is free. 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.
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AUSTRAC-registered remittance dealer256-bit encryption
Australian owned & operated
Australian owned & operatedScan to join