Send money online
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for up to 48 hours
- PayID fee0 AUD
- Our fee292.04 AUD
Volume discount
-3.37 AUD
Should arrive by Thursday
Savings on this transfer, and eligible transfers for the rest of the month.
Send money online
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for up to 48 hours
- PayID fee0 AUD
- Our fee292.04 AUD
Volume discount
-3.37 AUD
Should arrive by Thursday
Savings on this transfer, and eligible transfers for the rest of the month.
Find out how much it costs to send money online
The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more. At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.
 Wise |  National Australia Bank |  ANZ |  PayPal | |
|---|---|---|---|---|
Recipient gets (Total after fees) | 35,561.50 PHP | 34,846.39 PHP | 34,047.90 PHP | 33,839.44 PHP |
Exchange rate markup | 0 AUD | 27.61 AUD | 41.27 AUD | 50.02 AUD |
Exchange rate (1 AUDPHP) | 35.8360 | 34.8464 | 34.3571 | 34.0434 |
Transfer fee | 7.66 AUD | 0 AUD | 9 AUD | 5.99 AUD |
Total transfer cost | 7.66 AUD | 27.61 AUD | 50.27 AUD | 56.01 AUD |
How to send money online from Australia
Open a free account today in minutes. Then set up your first transfer in 3 easy steps.
How to send money online from Australia
Open a free account today in minutes. Then set up your first transfer in 3 easy steps.
How to send money online from Australia
Open a free account today in minutes. Then set up your first transfer in 3 easy steps.
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 technologySuper smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
- People who care, 24/7With 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 oursYour money is safeguarded, and held completely separate from ours, so it’s available to you all the time.
Online money transfer fees
How much does it cost to send money online?
To send money online with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always shows you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.
You can use our handy calculator to find out exactly how much will you pay for your transfer. The cost depends on where you will be sending money from and to, as well as on your chosen payment method.
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
Best ways to send money internationally with WISE
The best way to send Australian dollar to Philippine peso is from a Wise balance. 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.
Wise account
Wise account
Receive from another Wise account instantly. No need for bank details — let friends find you with your name, email, phone or Wisetag.
Learn more about receiving with Wise.Bank account
Bank account
Wise sends your transfer using local banking networks, so you receive the money directly into your or your recipient's local bank account.
Cheapest way to send money abroad from Australia
The cheapest way to send 45,000 AUD to PHP is from a Wise balance and costs 288.45 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 balance | 288.45 AUD | ||
| Osko | 288.67 AUD | ||
| Bank transfer | 288.67 AUD | ||
Fastest way to send money abroad from Australia
Sending money with Wise is super fast: 60% 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 balance | by Thursday | ||
| Osko | by Thursday | ||
| Bank transfer | by Thursday | ||
Send money online with the Wise app
Looking for an app to send money online? Sending money is easy with Wise app.
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 online with the Wise app
Looking for an app to send money online? Sending money is easy with Wise app.
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 foreign transaction fees.
Let's answer some of your questions
See where Wise works
- Send money
- Account details
- Hold and convert money
- This general advice presented by Wise Australia Investments Pty Ltd (AFSL: 545411) has been prepared without taking into account your objectives, financial situation or needs. You should consider whether the product is appropriate for your financial circumstance and read the fund's Product Disclosure Statement before making a decision on the advice.
Investments can fluctuate, and your capital is at risk. Interest is not a deposit product and your capital is not protected under the Financial Claims Scheme. The Variable rate is based on the Yield to Maturity as of 4/30/2025 and is exclusive of Wise fees. Past performance does not guarantee future growth. Franklin Templeton is the issuer and fund manager of the Franklin Government Cash Fund.
Interest is offered by Wise Australia Investments Pty Ltd ACN 659 961 083. Wise Australia Investments Pty Ltd holds an Australian Financial Services licence (AFSL) number 545411 issued by the Australian Securities & Investments Commission (ASIC). The currency account is provided by Wise Australia Pty Ltd (AFSL: 513764).
Please be aware that we do not offer investment advice, and you may be liable for taxes on any earnings. If you're uncertain, we urge you to seek professional advice. To find out more about the Funds, visit our website.