International money transfers
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
International money transfers
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
How to send money internationally from Australia
Enter amount to send in AUD
Pay in AUD with your debit card or credit card, or send the money from your online banking.
Choose your recipient
Select who you want to send money to and which pay-out method to use.
Send AUD, receive PHP
The recipient gets money in PHP directly from Wise’s local bank account.
Larger transfers. Lower fees. Premium support.
Pay less when you send over 40,000 AUD or equivalent. Plus get dedicated support from our expert team
How we keep your money safe
Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.
Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we're on hand when you've got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it's available to you all the time.
Best ways to send money internationally with WISE
The best way to send Australian dollar to Philippine peso is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.
Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Osko by BPAY is an online bank payment method available in Australia. When you’re sending money or paying your bills in AUD, you have an option to select Osko by BPAY for your payment method on our app.
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
How to receive money
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account. And since our price is transparent, you know exactly what you'll get on the other side.
Local bank account
Local bank account
For local bank account transfers you’ll need to have the recipient’s account details to ensure a smooth transfer. Learn more about bank transfers.
Mobile money
Mobile money
To make a mobile phone number money transfer all you’ll need is the recipient’s mobile phone number to get your money moving. Learn more about Mobile money transfers.
Email
Email
To make payments using only email, all you need is your recipient’s email address. Learn more about Email transfers.
Cheapest way to send money abroad from Australia
The cheapest way to send 45,000 AUD to PHP is by using money that's in your Wise account and costs 224.39 AUD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
AUD
PHP
| Sending 45,000 AUD | Transfer cost | ||
|---|---|---|---|
| Wise account | 224.39 AUD | ||
| Osko | 224.41 AUD | ||
| Bank transfer | 224.41 AUD | ||
Fastest way to send money abroad from Australia
Sending money with Wise is super fast: 77% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.
AUD
PHP
| Sending 45,000 AUD | Should arrive | ||
|---|---|---|---|
| Wise account | by Monday 9 November | ||
| Osko | by Monday 9 November | ||
| Bank transfer | by Monday 9 November | ||
Send money from Australia with the Wise app
Looking for an international money transfer app? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Send money from Australia with the Wise app
Looking for an international money transfer app? Send money on the go with Wise.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Do more with Wise in Australia
You can use Wise for much more than just sending money. Here is what's available, based on where you live.
Receive money fast
Get paid easily in other currencies with global account details.
Save on spending abroad
Pay and withdraw cash worldwide without any hidden fees or markups.
- 3.76%On AUD
Earn returns
Use your money as it grows. Your money won't be locked away. So you can continue to send and spend it. No commitment. No fuss. Capital at risk, growth not guaranteed.1
Frequently asked questions
We’ll always give you an estimate for how long your transfer will take when you set it up.
Learn more about how long transfers take
See where Wise works
- Send money
- Account details
- Hold and convert money
- United States dollarGet USD account details
- Hong Kong dollarSwift/BIC, Account number, Bank code, Branch code and Bank nameGet HKD account details
- United Arab Emirates dirham
- Argentine peso
- Australian dollar
- Bangladeshi taka
- Canadian dollar
- Swiss franc
- Chilean peso
- Chinese yuan
- Colombian peso
- Costa Rican colón
- Czech koruna
- Danish krone
- Dominican peso
- Egyptian pound
- Euro
- British pound
- Georgian lari
- Ghanaian cedi
- Hong Kong dollar
- Hungarian forint
- Indonesian rupiah
- Israeli shekel
- Indian rupee
- Japanese yen
- Kenyan shilling
- South Korean won
- Sri Lankan rupee
- Moroccan dirham
- Mexican peso
- Malaysian ringgit
- Nigerian naira
- Norwegian krone
- Nepalese rupee
- New Zealand dollar
- Peruvian sol
- Philippine peso
- Pakistani rupee
- Polish złoty
- Paraguay guaraní
- Romanian leu
- Swedish krona
- Singapore dollar
- Thai baht
- Turkish lira
- Tanzanian shilling
- Ukrainian hryvnia
- Ugandan shilling
- United States dollar
- Uruguayan peso
- Vietnamese dong
- South African rand