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Send money from UAE to Philippines(AED → PHP)
AED
PHP|Updated recentlyMid-market 16.7732Cheapest todayof 8 providers
Wise
Rate 16.7732 · Fee free
You send
د.إ3,000
Recipient gets
₱50,320
₱400 more than the most expensive provider
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from UAE to Philippines in May 2026 is Wise, which delivers 50,319.61 PHP on a 3,000 AED transfer with a fee of zero. According to SendMoneyCompare's comparison of 8 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 403 PHP.
Last reviewed: by Awais Imran, Reviews Editor
↓
Rates are low right now
2th percentile
Based on 55 days of data (2026-03-28 to 2026-05-21)
Today's best
₱1,677.35
Wise
55-day avg
1 AED = 50.63 PHP
Best rate
58.35
2026-05-05 · Xoom (PayPal)
Worst rate
15.81
2026-03-28 · Skrill
What is the cheapest way to send AED to PHP?
Sending د.إ3,000 from UAE to Philippines. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 16.7732·Fee Free·0.00% markup
↑ 1.8% over 54dAvg: 16.52 PHP (+1.5% vs avg)Range: 16.22–16.81
1
WiseBest value
Instant to 2 days0.00% markup
↑ 1.8% over 54dAvg: 16.52 PHP (+1.5% vs avg)Range: 16.22–16.81
16.7732
Free
₱50,319.61
Rate 16.3002·Fee Free·2.82% markup
Most stable rate
↑ 0.6% over 54dAvg: 16.10 PHP (+1.2% vs avg)Range: 16.00–16.35
2
Under 3 minutes (95% of transfers)2.82% markup
Most stable rate
↑ 0.6% over 54dAvg: 16.10 PHP (+1.2% vs avg)Range: 16.00–16.35
16.3002
Free
₱48,900.60
Rate 16.2834·Fee Free·2.92% markup
2.9% markup
↑ 3.0% over 52dAvg: 15.85 PHP (+2.8% vs avg)Range: 15.81–16.32
3
16.2834
Free
₱48,850.28
Rate 16.6793·Fee د.إ150.00·0.56% markup
↑ 3.0% over 55dAvg: 16.27 PHP (+2.5% vs avg)Range: 16.20–16.82
4
Minutes to 3-5 days0.56% markup
↑ 3.0% over 55dAvg: 16.27 PHP (+2.5% vs avg)Range: 16.20–16.82
16.6793
د.إ150.00
₱47,535.93
Rate 15.6192·Fee Free·6.88% markup
Rate 16.5333·Fee د.إ270.00·1.43% markup
Rate up 3.4%
↑ 3.4% over 55dAvg: 16.07 PHP (+2.9% vs avg)Range: 15.99–16.56
6
16.5333
د.إ270.00
₱45,136.04
Rate 16.6457·Fee د.إ1044.30·0.76% markup
↑ 2.6% over 55dAvg: 16.28 PHP (+2.2% vs avg)Range: 16.22–16.69
7
16.6457
د.إ1044.30
₱32,554.05
Rate 16.6390·Fee Free·0.80% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient ₱402.55 on a د.إ3,000 transfer.
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
The UAE hosts over 700,000 Overseas Filipino Workers (OFWs), making it one of the most important remittance corridors for the Philippines. Filipino workers in the UAE send billions of dirhams home each year to support their families.
The AED to PHP corridor is well-served by both global transfer providers and regional exchange houses. GCash delivery has become increasingly popular, allowing recipients to receive funds instantly on their mobile wallets. On a AED 3,000 transfer, choosing the right provider can mean PHP 2,000–4,000 more reaching your family. Providers like Remitly, WorldRemit, and Wise compete alongside regional players like Al Ansari Exchange and Emirates NBD.
Which provider offers the best AED to PHP rate?
Wise
4.3Exchange rate
16.7732
Fee
Free
Recipient gets
₱50,319.61
Speed
Instant to 2 days
What matters on the UAE to Philippines corridor
The UAE has over 700,000 Filipino workers, making AED to PHP one of the most important remittance corridors in Asia. GCash delivery is near-universal in the Philippines, and multiple UAE providers support it. Competition is strong and rates are generally tight.
- GCash and Maya wallet delivery is available from Remitly, WorldRemit, and others from the UAE. Transfers arrive in minutes and recipients can spend or withdraw at millions of locations across the Philippines.
- LuLu Exchange and Al Ansari Exchange are UAE-based exchange houses with competitive AUD/PHP rates and physical branches throughout the UAE. Strong options for senders who prefer in-person service.
- Bank deposits to BDO, BPI, and Metrobank take 1–2 business days. Cash pickup through Cebuana Lhuillier and M Lhuillier is available within 30 minutes across thousands of Philippine locations.
- UAE providers are regulated by the Central Bank of the UAE (CBUAE). Only use CBUAE-licensed providers — unlicensed operators offer no legal protection and are subject to enforcement action.
Check CBUAE licensing before using any UAE provider
Only Central Bank of the UAE (CBUAE)-licensed exchange houses and payment institutions are legally authorised to conduct money transfers. Unlicensed operators offer no legal protection and may fail to deliver funds. Verify licensing at the CBUAE register before using any unfamiliar service.
For recurring transfers, it is worth checking live quotes each time rather than relying on one provider by habit. Competition on this corridor is strong enough that rankings can shift meaningfully with market moves.
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the UAE to Philippines route.
Cheapest transfer
Wise
Delivers the most PHP for your money
Fastest transfer
Wise
Delivers in Instant to 2 days
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
Wise
Best rate for bank deposit to Philippines
How to send money to Philippines
Sending money to Philippines is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much AED you want to send, compare providers above, and pick the one offering the best PHP amount for your transfer to Philippines.
Step 2
Add your recipient
Enter your recipient's details in Philippines — you'll need their bank account number. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit typically takes minutes to 1 day.
What you need to send money to Philippines
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full legal name matching their bank account or valid ID
Bank account number
Philippine bank account number (10–12 digits for most banks)
Bank name
Name of the receiving bank (e.g. BDO, BPI, Metrobank, UnionBank)
GCash number
Optional11-digit mobile number linked to GCash wallet (for GCash transfers)
Example: 09171234567
Maya number
OptionalMobile number linked to Maya (formerly PayMaya) wallet
Note: The Philippines does not use IBAN. Bank transfers require the account number and bank name. For mobile wallet transfers, you only need the recipient's registered mobile number.
Transfer examples: AED to PHP
See how much your recipient would get for common transfer amounts.
Send د.إ500
ProviderFeeReceives
Wise
16.77 · Instant to 2 days
Remitly
16.68 · Minutes to 3-5 days
TapTap Send
16.30 · Under 3 minutes (95% of transfers)
Skrill
16.28 · 0-1 days
Paysend
16.53 · 2 days
OFX
15.62 · 3 days
ProviderFeeRateReceivesSpeed
WiseFree16.77₱8,387Instant to 2 days
Remitlyد.إ5.0016.68₱8,256Minutes to 3-5 days
TapTap SendFree16.30₱8,150Under 3 minutes (95% of transfers)
SkrillFree16.28₱8,1420-1 days
Paysendد.إ9.0016.53₱8,1182 days
OFXFree15.62₱7,8103 days
Send د.إ1,000
ProviderFeeReceives
Wise
16.77 · Instant to 2 days
Remitly
16.68 · Minutes to 3-5 days
Paysend
16.53 · 2 days
TapTap Send
16.30 · Under 3 minutes (95% of transfers)
Skrill
16.28 · 0-1 days
CurrencyFair
16.65 · 1-6 days
ProviderFeeRateReceivesSpeed
WiseFree16.77₱16,773Instant to 2 days
Remitlyد.إ5.0016.68₱16,596Minutes to 3-5 days
Paysendد.إ9.0016.53₱16,3852 days
TapTap SendFree16.30₱16,300Under 3 minutes (95% of transfers)
SkrillFree16.28₱16,2830-1 days
CurrencyFairد.إ34.8116.65₱16,0661-6 days
Send د.إ5,000
ProviderFeeReceives
Wise
16.77 · Instant to 2 days
Remitly
16.68 · Minutes to 3-5 days
CurrencyFair
16.65 · 1-6 days
Paysend
16.53 · 2 days
TapTap Send
16.30 · Under 3 minutes (95% of transfers)
Skrill
16.28 · 0-1 days
ProviderFeeRateReceivesSpeed
WiseFree16.77₱83,866Instant to 2 days
Remitlyد.إ5.0016.68₱83,313Minutes to 3-5 days
CurrencyFairد.إ34.8116.65₱82,6491-6 days
Paysendد.إ9.0016.53₱82,5182 days
TapTap SendFree16.30₱81,501Under 3 minutes (95% of transfers)
SkrillFree16.28₱81,4170-1 days
How much does it cost to send money from UAE to Philippines?
Transfer fees range from AED 0 (Remitly, Wise for bank-funded transfers) to AED 10–15 for exchange house sends. Many providers offer fee-free transfers for first-time users. The exchange rate markup is typically the larger cost component — compare the total PHP received.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically د.إ0–د.إ10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (16.7732).
Ways to send money to Philippines
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
GCash is the dominant mobile wallet in the Philippines and is often the fastest, cheapest way to receive money. Cebuana Lhuillier and M Lhuillier have the widest cash pickup networks, reaching even remote provincial areas.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
How can my recipient receive money in Philippines?
Your recipient in Philippines can receive money through these delivery methods. The best option depends on their location and preferences.
Bank Deposit
Minutes to 1 day
Direct deposit to Philippine bank accounts including BDO, BPI, Metrobank, UnionBank, and Landbank.
WiseRemitlyWorldRemitXoom (PayPal)+1 more
GCash
Minutes
Instant transfer to GCash mobile wallet — the most popular digital wallet in the Philippines with 90M+ registered users.
RemitlyWorldRemitXoom (PayPal)
Maya (PayMaya)
Minutes
Transfer to Maya digital wallet. Popular alternative to GCash, especially for online payments.
RemitlyWorldRemit
Cash Pickup
Minutes
Recipient collects cash from Cebuana Lhuillier, M Lhuillier, or other payout partners — thousands of locations across the Philippines including provincial areas.
Western UnionMoneyGramRemitlyWorldRemit+1 more
Door-to-Door Delivery
1–2 days
Cash delivered to the recipient's home — available in Metro Manila and select provincial areas.
RemitlyWorldRemit
What are the transfer limits and regulations for Philippines?
Important rules and requirements to know before sending money to Philippines.
Regulatory body
Bangko Sentral ng Pilipinas (BSP)
Inbound transfer limits
No restriction on incoming remittances — the Philippines actively encourages OFW (Overseas Filipino Worker) remittances
Documentation you may need
- Government-issued photo ID (passport, driver's license, or state ID)
- Social Security Number or equivalent tax ID
- Reference number or MTCN (for cash pickup)
Important things to know
- The Philippines is one of the world's top remittance-receiving countries — the BSP has created a supportive regulatory environment for inbound transfers.
- Cash pickups over PHP 500,000 may require additional ID from the recipient.
- GCash wallet limits: PHP 100,000 for basic accounts, PHP 500,000 for fully verified accounts.
- OFW (Overseas Filipino Worker) remittances are exempt from documentary stamp tax.
How long does it take to send money to Philippines?
GCash transfers arrive within minutes. Bank deposits to BDO, BPI, and Metrobank take 1–2 business days. Cash pickup through Cebuana Lhuillier, M Lhuillier, and other partners is available same-day in the Philippines.
FastExpress delivery
- WiseInstant to 2 days
- TapTap SendUnder 3 minutes (95% of transfers)
- RemitlyMinutes to 3-5 days
Standard delivery
- Skrill0-1 days
- OFX3 days
- Paysend2 days
- CurrencyFair1-6 days
- Regency FXSame day to 2 business days
Popular banks in Philippines
These are the most commonly used banks for receiving international transfers in Philippines.
BankSWIFT/BICNotes
BDO Unibank
ABORPHPHXXX
Bank of the Philippine Islands (BPI)
BABORPHPHXXX
Metrobank
MABORPHPHXXX
UnionBank
UBPHPHMMXXX
Landbank of the Philippines
TLBPPHPHXXX
Philippine National Bank (PNB)
PNBMPHPHXXX
AED to PHP Exchange Rate History
Daily best exchange rates from top providers over the last 55 days. Rates shown are for sending $100.
| Date | CurrencyFair | Paysend | Remitly | __mid Market__ | TapTap Send |
|---|---|---|---|---|---|
| Trend | |||||
| May 21 | 16.6460 | 16.5321 | 16.6800✓ | 16.6800✓ | 16.3000 |
| May 20 | 16.6800 | 16.5590 | 16.7000✓ | 16.7000✓ | 16.3000 |
| May 19 | 16.6860 | 16.5570 | 16.6900✓ | 16.6900✓ | 16.3000 |
| May 18 | 16.6780 | 16.5578 | 16.7100✓ | 16.7100✓ | 16.3000 |
| May 17 | 16.6580 | 16.5292 | 16.6700✓ | 16.6700✓ | 16.2000 |
| May 16 | 16.6580 | 16.5299 | 16.6700✓ | 16.6700✓ | 16.2000 |
| May 15 | 16.6280 | 16.5123 | 16.7100✓ | 16.7100✓ | 16.1500 |
| May 14 | 16.6280 | 16.5123 | 16.8200✓ | 16.8200✓ | 16.1500 |
| May 13 | 16.2180✓ | 15.9947 | 16.2000 | 16.1500 | 16.1500 |
| May 12 | 16.2180✓ | 15.9947 | 16.2000 | 16.1500 | 16.1500 |
| May 11 | 16.2180✓ | 15.9947 | 16.2000 | 16.1500 | 16.1500 |
| May 10 | 16.2180✓ | 15.9947 | 16.2000 | 16.1500 | 16.1500 |
| May 9 | 16.2180✓ | 15.9947 | 16.2000 | 16.1500 | 16.1500 |
| May 8 | 16.2180✓ | 15.9947 | 16.2000 | 16.1500 | 16.1500 |
| May 7 | 16.2180 | 15.9947 | 16.2000 | 16.3500✓ | 16.3500✓ |
| May 6 | 16.2180 | 15.9947 | 16.2000 | 16.3500✓ | 16.3500✓ |
| May 5 | 16.2180✓ | 15.9947 | 16.2000 | 16.0100 | 16.0100 |
| May 4 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| May 3 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| May 2 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| May 1 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 30 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 29 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 28 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 27 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 26 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 25 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 24 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 23 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 22 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 21 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 20 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 19 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 18 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 17 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 16 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 15 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 14 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 13 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 12 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 11 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 10 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 9 | 16.2180✓ | 15.9947 | 16.2000 | 16.0000 | 16.0000 |
| Apr 8 | 16.2180✓ | 15.9947 | 16.2000 | 16.1500 | 16.1500 |
| Apr 7 | 16.2180✓ | 15.9947 | 16.2000 | 16.2000 | 16.2000 |
| Apr 6 | 16.2180✓ | 15.9947 | 16.2000 | 16.2000 | 16.2000 |
| Apr 5 | 16.2180✓ | 15.9947 | 16.2000 | 16.2000 | 16.2000 |
| Apr 4 | 16.2180✓ | 15.9947 | 16.2000 | 16.2000 | 16.2000 |
| Apr 3 | 16.2180✓ | 15.9947 | 16.2000 | 16.2000 | 16.2000 |
| Apr 2 | 16.2180✓ | 15.9947 | 16.2000 | 16.2000 | 16.2000 |
| Apr 1 | 16.2180✓ | 15.9947 | 16.2000 | 16.2000 | 16.2000 |
| Mar 31 | 16.2180✓ | 15.9947 | 16.2000 | 16.2000 | 16.2000 |
| Mar 30 | 16.2180✓ | 15.9947 | 16.2000 | 16.2000 | 16.2000 |
| Mar 29 | 16.2180✓ | 15.9947 | 16.2000 | 16.2000 | 16.2000 |
| Mar 28 | 16.2180 | 15.9947 | 16.2000 | 16.3785✓ | — |
Common questions about sending money from UAE to Philippines
What is the cheapest way to send money from UAE to the Philippines?
Remitly, Wise, and WorldRemit offer the best total value for AED to PHP transfers. Remitly often has promotional rates for new users and supports GCash delivery. Compare all providers to find today's best rate.
Can I send money to GCash from the UAE?
Yes, Remitly and WorldRemit support GCash transfers from the UAE, with funds arriving in minutes. This is the most popular delivery method for Filipino recipients.
How long does it take to send money from UAE to the Philippines?
GCash and mobile wallet transfers arrive in minutes. Bank deposits to major Philippine banks take 1–2 business days. Cash pickup is typically available same-day through partner locations across the Philippines.
Is it cheaper to send money through an exchange house or online?
Online providers like Wise and Remitly generally offer better exchange rates than physical exchange houses, saving you AED 50–100 on a AED 3,000 transfer. Exchange houses offer convenience for cash-funded transfers.
Do I need to pay tax on remittances to the Philippines?
The UAE does not impose tax on outbound remittances. In the Philippines, inbound remittances from OFWs are generally tax-exempt. However, large regular transfers may be subject to anti-money laundering reporting requirements.
Everything about sending money to Philippines
Recipient requirements, delivery methods, regulations, popular banks, and more.
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