Australian Dollar to Philippine Peso Exchange Rate Guide

In early October 2026, the mid-market rate for AUD to PHP sat at roughly 43.5 Philippine pesos per Australian dollar, according to OFX (currency transfer service). The headline rate is only the starting point: banks and transfer apps build their profit into fees, rate markups, or both — the gap between the rate you see and the rate you get is where the hidden costs actually live.

Current mid-market rate (Oct 2026): 1 AUD = 43.66 PHP (Bloomberg (market data)) · 30-day high: 45.16 PHP · 30-day low: 43.48 PHP · 30-day average: 44.26 PHP

Eight numbers to know before you move money: the spread between the lowest and highest published AUD/PHP quotes is wider than most people expect.

How much is $1 AUD in PHP today?

The live mid-market rate is the cleanest starting point for any conversion. XE’s snapshot on 4 October 2026 listed 1 AUD at 43.49103478 PHP (XE).

How much is $100 Australian in Filipino pesos?

• 100 AUD × 43.66 = 4,366 PHP at the reference mid-market rate

That is the mathematical midpoint; the amount you actually receive will be lower if the provider adds a fee or margin.

How much is $1,000 Australian dollars in Philippine pesos?

• 1,000 AUD × 43.66 = 43,660 PHP at the reference mid-market rate

On a transfer of 1,000 AUD, a 1% fee is roughly 436 PHP — enough to matter when you compare services.

How much is 70 AUD to PHP?

• 70 AUD × 43.66 = 3,056 PHP at the reference mid-market rate

Smaller transfers still carry fixed fees, so compare the fee as a percentage of the amount you are sending.

How much is 10,000 Philippine pesos in Australian money?

To go from pesos back to Australian dollars, divide the peso amount by the current AUD/PHP rate.

How to convert PHP to AUD manually

• 10,000 PHP ÷ 43.66 = 229.04 AUD at the reference rate

The same mid-market rate applies in both directions when a provider uses an honest exchange rate.

What is 50,000 PHP in AUD?

• 50,000 PHP ÷ 43.66 = 1,145.21 AUD at the reference rate

If a provider quotes a different rate for a peso-to-dollar conversion, the difference is part of its fee.

The trade-off: converting either direction means using the rate your provider quotes on the day, not the rate that made sense yesterday.

What is the best time to exchange currency?

The best time is less about guessing the market and more about avoiding fees that only appear at certain hours or days.

Does time of day affect exchange rates?

• Rates move when the market moves, so a quote from the morning can change before you hit send

Is it better to exchange on weekdays or weekends?

• For digital banks with weekend fees, a weekday transfer is the cheaper choice

Traditional banks and remittance counters typically reset rates when markets reopen, so a Monday quote is more likely to reflect the new week’s price.

The catch: beating the market by guessing the day is speculation; beating the fee schedule is a choice you can make today.

Who is giving the best exchange rate for Australian dollars?

No single provider wins every day, but the structure of their pricing tells you where the value sits.

Which Australian bank has the best foreign exchange rate?

• According to MoneyTransfers, NAB added a 3.45 percent markup on a 2,000 AUD transfer to the Philippines

A 3.45 percent markup on 2,000 AUD is about 69 AUD, which the bank keeps through the exchange rate rather than an itemised fee.

Which bank has the lowest currency exchange rate?

• No Australian bank publishes a permanent “lowest” AUD/PHP rate; the margin can change daily

Is Post Office good exchange rate?

• The Post Office sets its own travel-money rate, so “good” depends on the gap between that rate and the mid-market rate on the day you buy

Compare the PHP amount you would receive from the Post Office against an online transfer before deciding.

Where is the cheapest place to get currency exchange?

For transfers from Australia to the Philippines, the cheapest option is usually an online service funded from a bank account — not a card.

Which bank can I exchange foreign currency with?

• Australian banks exchange foreign currency, but the rate includes an embedded margin; MoneyTransfers calculated NAB’s markup on a 2,000 AUD transfer at 3.45 percent

The bank quotes a rate, and the margin sits inside that rate.

What is the best way to send money to the Philippines?

• Wise’s published fee for a 1,000 AUD transfer funded from a Wise balance is 5.86 AUD; funding the same transfer from a debit card costs 32.66 AUD (Wise)

Some remittance services advertise low headline rates and recover the cost elsewhere, which is why the final PHP amount is the only honest comparison.

What this means: a low headline rate with a high fee can cost more than a slightly worse rate with no fee.

How to get the best AUD to PHP rate

1. Check the mid-market rate first on a live converter such as XE or Bloomberg.
2. Compare the all-in cost, not just the fee: Wise’s own published fee for a 1,000 AUD transfer is 5.86 AUD from a Wise balance and 32.66 AUD from a debit card.
3. Move money on a weekday if your provider applies weekend pricing, as Revolut does for Standard accounts.
4. Ask the bank what rate it will actually apply; MoneyTransfers found NAB applying a 3.45 percent markup on a 2,000 AUD transfer.
5. Confirm the PHP amount that will arrive before you submit, then run a small test transfer for larger amounts.

The sequence matters: rate first, fees second, timing third, and the final PHP amount last.

What’s confirmed and what’s unclear

The pattern: published data tells you a lot about provider pricing, but not enough to predict tomorrow’s move.

What the services say

Fees, foreign exchange rates, and taxes may vary by brand, channel, and location.

Western Union Australia (remittance provider)

We make money from currency exchange as well as transfer fees.

Western Union Australia

Standard plan customers pay a 1 percent fee on weekend exchanges.

Revolut Australia

The tension is clear: companies that move money for you often earn from the rate itself, which makes a full-cost comparison the only fair one.

The takeaway

For someone sending money from Australia to the Philippines, the real price of an AUD-to-PHP transfer is the peso amount that lands in the receiver’s account, not the rate on a currency converter. Comparing the all-in cost across Wise, Revolut, a bank, and a remittance counter saves real money on every transfer. For the typical Australian sending regular remittances to the Philippines, the choice is clear: check the mid-market rate, compare the final PHP amount, and move on a weekday — or resign yourself to paying a markup that no headline rate will show you.

Related reading

• New Zealand Dollar to USD: Live Rate, Forecast & Guide
• UK Pound to NZ Dollar: Live Rate, History, and Best Deals

Frequently asked questions