Quotes refreshed daily · Nov 3, 11:58 AM Manila

AUD to PHP: send more pesos home.

See exactly how many pesos your family gets from each money transfer app and bank — fees and exchange-rate markup included. Free, no sign-up.

You send

From

To

PHPPhilippine peso

Mid-market rate 1 AUD = ₱44.35▲ 1.95% · 30 d

XoomCat’s pick Rate 44.5506 · fees 0.00 AUD
44,550.63
XoomCat’s pick
44.55060.00 AUD44,550.63 PHP
Save up to 51.40 AUD in total feesGo to Xoom
Remitly Rate 44.0979 · fees 5.77 AUD
44,097.88
Remitly
44.09795.77 AUD44,097.88 PHP
Wise Rate 44.3536 · fees 5.89 AUD
44,092.36
Wise
44.35365.89 AUD44,092.36 PHP
Instarem Rate 44.3004 · fees 8.69 AUD
43,968.16
Instarem
44.30048.69 AUD43,968.16 PHP
Western Union Rate 43.7617 · fees 14.32 AUD
43,718.42
Western Union
43.761714.32 AUD43,718.42 PHP
HSBC Australia Rate 43.1235 · fees 27.73 AUD
43,123.52
HSBC Australia
43.123527.73 AUD43,123.52 PHP
National Australia Bank Rate 43.1106 · fees 28.02 AUD
43,110.61
National Australia Bank
43.110628.02 AUD43,110.61 PHP
Commonwealth Bank Rate 42.3256 · fees 45.72 AUD
42,325.58
Commonwealth Bank
42.325645.72 AUD42,325.58 PHP
PayPal Rate 42.5594 · fees 46.20 AUD
42,304.51
PayPal
42.559446.20 AUD42,304.51 PHP
ANZ Rate 42.2441 · fees 47.56 AUD
42,244.10
ANZ
42.244147.56 AUD42,244.10 PHP
OFX Rate 42.7145 · fees 51.40 AUD
42,073.82
OFX
42.714551.40 AUD42,073.82 PHP

Total fees = transfer fee + exchange-rate markup, measured against the mid-market rate. Quotes are for sending 1,000 AUD by bank transfer, collected by Wise and refreshed once a day (Nov 3, 2026); other amounts are estimated from the same rate and fee. Banks are refreshed less often — open a row to see when. Some providers may pay Cashcat when you sign up through us; it never changes the order: most PHP first. How we get these rates

“Zero fees” is rarely zero.

Most of the cost hides in the exchange rate. We compare against the mid-market rate — the one you see on Google — so you see both parts.

Your A$1,000 AUD, at the mid-market rate

₱44,354

Best provider

−₱0

Worst provider

−₱2,280

Fee

The part they show

A flat or percentage charge, listed on the provider’s site.

Markup

The part they don’t

The gap between their rate and the mid-market rate. We turn it into pesos.

Peso rates today

Nap. We’ll watch the rate.

One email when 1 AUD reaches your target — then we go quiet. Cancel any time.

Padala late this month?

Bridge the gap with a short loan — compared the same honest way.

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Questions?

Where do these rates come from?

Provider quotes come from Wise’s public price comparison, which collects them from each provider’s website. We fetch it once a day per currency; every row shows when its quote was collected. The mid-market rate is Wise’s own rate at the same moment.

Does Cashcat send money?

No. Cashcat only compares. You sign up and send directly with the provider you pick, and the provider shows you the final quote before you pay.

What is the mid-market rate?

The midpoint between what banks pay to buy and sell a currency. It’s the fairest benchmark — anything below it is a markup you pay on top of the fee.

Why isn’t my bank or GCash listed?

We show providers that have a published quote for this currency. Popular corridors from the Middle East (AED, SAR, QAR, KWD) are coming as soon as we have reliable data.

How do you make money?

Some providers may pay us when you sign up through Cashcat. The table is always sorted by pesos received — never by who pays us.