📈 UAE to Philippines Money Transfer Snapshot Today
- Best AED to PHP exchange rate today: PHP 16.5900, offered by Remitly
- Number of money transfer providers compared: 12
- Exchange rate range: PHP 16.5900 to PHP 16.0545
- Potential savings on AED 1000: PHP 535.50
- Number of deals and promo codes: 4
- Mid-market
ⓘThe mid-market exchange rate (also called the interbank rate) is the real AED to PHP exchange rate before providers add their margin or fees. exchange rate: 1 AED = PHP 16.5269 (Updated about an hour ago)
See detailed UAE to Philippines money transfer comparison below.
UAE to Philippines money transfer providers that matched the search criteria
📢 Special exchange rate applied for first transfer
📢 B2B transfers only
📢 B2B transfers only
📢 Get promotional rate on your first transfer
📢 New! Cash pickup available
If you are making international business money transfers or payments, RemitFinder can assist by matching you with the best options to suit your unique business needs. Get in touch now to see how we can help protect your business revenue by getting you higher exchange rates and lower transfer fees on international business FX.
💡What these rates mean for sending money to Philippines from United Arab Emirates today
Compare top-rated money transfer providers to find the best way to remit money to Philippines from United Arab Emirates. Check today's AED to PHP exchange rates, read detailed provider reviews, and discover exclusive deals and promo codes.
RemitFinder compared 12 providers for UAE to Philippines money transfers today. Here is what the competition looks like right now:
Today's Most Competitive Providers to Transfer Money to Philippines from UAE
🥇 Remitly with 1 AED = 16.5900 PHP (best AED to PHP exchange rate today).
🥈 Regency FX offering 1 AED = 16.5104 PHP.
🥉 Key Currency & Currencyflow are also providing good FX rate today.
The 12 providers compared today offer exchange rates from PHP 16.0545 to PHP 16.5900. On a AED 1000 transfer from UAE to Philippines, that spread means up to PHP 535.50 in potential savings — simply by choosing the right provider.
United Arab Emirates Dirham to Philippine Peso exchange rates fluctuate throughout the day, and top-ranked providers can change quickly. Even a small difference in the rate offered can significantly impact how much PHP your recipient receives in Philippines.
Compare the providers above to maximize every AED you send to Philippines. The best United Arab Emirates Dirham to Philippine Peso transfer rate changes daily, so comparing today matters.
🔄 Looking for the reverse corridor? Send money from Philippines to UAE instead.
Looking for a different option? You can browse all sending countries on our send money from hub, or view all destinations available when sending money from UAE.
👇 There is more to a great transfer than today's AED to PHP exchange rate — 5 years of historical pricing data reveals what really drives the total cost of sending money to Philippines from United Arab Emirates.
Whilst United Arab Emirates Dirham to Philippine Peso exchange rate is crucial, historical data shows that transfer fees, AED amount sent and payment and delivery methods can also significantly influence your final payout.
Below, we analyze 5 years of UAE to Philippines remittance data to show you exactly where costs arise, and the best practices that maximize your PHP payout on every transfer.
Cost insights to remit money from United Arab Emirates to Philippines (data-backed)
When you send money internationally from UAE to Philippines, the following 4 key factors determine how much your recipient actually receives:
- AED to PHP exchange rate
- Transfer fee
- Payment method
- Delivery method
Ideally, optimizing all four factors together gives your recipient in Philippines the maximum PHP payout on every transfer.
Another counter-balancing aspect is money transfer speed. If you need to transfer money from UAE to Philippines urgently, you may have to compromise on some of the above factors whilst optimizing for speed.
To understand what actually drives cost, we analyzed historical remittance pricing1 for AED to PHP money transfers — comparing transfer costs, FX margins, fees, and payment and delivery methods across providers.
This analysis is based on 370 actual UAE to Philippines money transfers handled by 11 providers over the last 5 years (for a AED 735 remittance benchmark).
This analysis of real United Arab Emirates Dirham to Philippine Peso transfer data identifies the lowest-cost payment and delivery combinations — so you keep more of every United Arab Emirates Dirham you send.
Before we deep dive, here are the key trends:
📌 Key Cost Insights: Transferring money from UAE to Philippines
- Average total cost: 2.90% (range -0.06% to 5.89%, spread 5.95 percentage points)
- Potential payout difference: On a AED 735 transfer, the above variation can save you up to AED 43.73.
- Average FX markup: 0.44% (range -0.55%
ⓘA negative markup generally represents a promotional exchange rate whereby a provider offers an exchange rate that is even higher than the mid-market rate, often on smaller amounts. to 2.59%, spread 3.14 percentage points) - Average transfer fee: AED 18.09 (range AED 0.00 to AED 41.61)
- Cheapest payment/delivery method combo: Bank Account Transfer → Bank Deposit (2.65% avg cost); most expensive is Cash → Bank Deposit (3.28%)
- Payment/delivery method choice impact: Cheapest vs most expensive combo saves 0.63% (AED 4.67 on AED 735 transfer).
- Market coverage: ~11 providers on average (competition level: competitive)
- Average speed: About 27 hours (~1.1 days)
🛠️ Key takeaway: Compare providers using both exchange rate and fees, then optimize your payment and delivery methods to reduce total cost.
Below, we break down each of these factors in detail — so you know exactly where to focus when comparing providers for your next money transfer to Philippines from UAE.
📈 AED to PHP Exchange Rate: The biggest factor when you send United Arab Emirates Dirham to Philippine Peso
The exchange rate on your UAE to Philippines money transfer is the single biggest factor determining your overall AED cost — and how many Philippine Peso your recipient actually receives.
To analyze exchange rates, we use the exchange rate markup (also called FX margin) — the difference between the mid-market exchange rate
Here is what 5 years of historical data shows for FX markup on United Arab Emirates Dirham to Philippines transfers:
- Average markup: 0.44%
- Median markup: 0.39%
- Lowest markup: -0.55%
ⓘA negative markup generally represents a promotional exchange rate whereby a provider offers an exchange rate that is even higher than the mid-market rate, often on smaller amounts. - Highest markup: 2.59%
That is a spread of 3.14 percentage points between the lowest and highest observed FX markups.
To put this into perspective — on a AED 735 transfer, that spread is PHP 23.08 in differences purely from the exchange rate. On a AED 1835 transfer, that gap grows to PHP 57.62.
🛠️ How to use this insight: When comparing providers for UAE to Philippines remittances, pay close attention to the exchange rate you receive. A small difference in the FX markup can quickly outweigh other factors like fees, and the gap generally grows as transfer amounts increase.
The AED to PHP exchange rate is the single most critical factor in the cost of your transfer. When comparing providers, always check the rate first — it matters more than you might expect.
💰 Transfer Fees: What to watch when you remit money from UAE to Philippines
Whilst exchange rate gets most of the attention, the transfer fee can also have a big impact on how much of your United Arab Emirates Dirham actually reaches your recipient in Philippines.
Based on 5 years of pricing data, here is what we see on United Arab Emirates Dirham to Philippines money transfer fees:
- Average fee: AED 18.09
- Median fee: AED 21.00
- Lowest fee: AED 0.00
- Highest fee: AED 41.61
The average fee of AED 18.09 represents 2.46% of a AED 735 transfer, a meaningful cost on its own.
And even when two providers offer identical exchange rates, the difference between the lowest and highest fee means a payout difference of up to AED 41.61.
🛠️ How to use this insight: For your next money transfer from UAE to Philippine Peso, look for providers that offer lower (or even 0) transfer fees.
One important caveat: watch out for hidden fees. Some providers advertise zero or low fees but offset it with a lower AED to PHP exchange rate. The money lost through an inferior FX rate is just as real as a visible fee — but since it does not show up as a line item, it is called a hidden fee.
This is why comparing total cost (fee + FX markup combined) always gives you a clearer picture instead of looking at rates or fees alone.
Finally, keep in mind that fixed fees matter more on smaller transfers. On a AED 200 transfer, a AED 5 fee is 2.5% of your total amount. On a AED 2,000 transfer, that same fee is just 0.25%. If you send smaller United Arab Emirates Dirham to Philippine Peso transfers regularly, pay even more attention to fees.
Transfer fees can be just as costly as a poor exchange rate — always look at the total cost of your AED to PHP transfer, not just rates or fees alone.
💸 Payment & Delivery Methods that reduce your cost to transfer money to Philippines from United Arab Emirates
Based on our analysis of historical UAE to Philippines remittance data, we see consistent variation in overall cost amongst various payment method and delivery methods.
Even when United Arab Emirates Dirham to Philippine Peso exchange rates are similar, different combinations of payment and delivery options can lead to meaningful differences in what you pay.
💳 Average Cost by Payment Method
Here is the average cost for popular payment methods used to send money to Philippines from UAE:
- Bank Account Transfer: 2.69%
- Cash: 2.94%
- Debit Card: 3.14%
- Credit Card: 3.23%
That is a spread of 0.54 percentage points.
👉 On a AED 735 transfer, this means you could save up to AED 4.00 simply by choosing a lower-cost payment method.
These savings increase further for larger AED transfer amounts.
📥 Average Cost by Delivery Method
Here is the average cost of popular delivery methods used to remit money from UAE to Philippines:
- Cash Pickup: 2.74%
- Bank Deposit: 3.02%
This is a difference of 0.28 percentage points.
👉 On a AED 735 transfer, you could save up to AED 2.07 by choosing Cash Pickup instead of Bank Deposit.
Different combinations of payment methods in UAE and delivery methods in Philippines can lead to very different total costs when sending or remitting money.
Here is a summary of the average cost of payment and delivery method combinations for UAE to PHP money transfers.
| Payment Method | Delivery Method | Average Cost (%) |
|---|---|---|
| Bank Account Transfer | Bank Deposit | 2.65 |
| Cash | Cash Pickup | 2.73 |
| Bank Account Transfer | Cash Pickup | 2.76 |
| Debit Card | Bank Deposit | 3.14 |
| Credit Card | Bank Deposit | 3.23 |
| Cash | Bank Deposit | 3.28 |
Sorted by Average Cost % (cheapest to most expensive).
The difference between these AED to PHP payment and delivery options is significant.
- Lowest cost: Bank Account Transfer → Bank Deposit (2.65%)
- Highest cost: Cash → Bank Deposit (3.28%)
- Difference: 0.63 percentage points
👉 On a AED 735 transfer, you could save up to AED 24.14
👉 On a AED 1835 transfer, savings increase to AED 60.27
Here is a quick summary of the average historical cost of various payment and delivery methods for AED to Philippines money transfers.
💸 Cheapest Payment & Delivery Methods to send AED to PHP transfers (data-backed)
- Cheapest payment method: Bank Account Transfer (2.69%) vs Credit Card (3.23%)
- Cheapest delivery method: Cash Pickup (2.74%) vs Bank Deposit (3.02%)
- Cheapest combination: Bank Account Transfer → Bank Deposit (2.65%) vs Cash → Bank Deposit (3.28%)
🛠️ How to use this insight: As you compare money transfer providers for your next UAE to Philippines international money transfer, strive to pair the lowest-cost payment method with the lowest-cost delivery method.
This can help you avoid the pitfall of "great exchange rate, expensive methods".
You can save money on your UAE to Philippines remittances by carefully choosing the cheapest payment and delivery methods.
🏦 Are banks more expensive than money transfer services for UAE to Philippines money transfers?
When we compared UAE banks with money transfer providers based on 5 years of remittance data, we noticed some patterns.
Interestingly, for UAE to Philippines remittances, traditional banks are 2.04 percentage points cheaper on average than money transfer providers.
This means money transfer companies tend to be approximately 0.32x more expensive than banks on average.
Here are the key stats behind this comparison:
| Banks | MTOs^ | Difference | |
|---|---|---|---|
| Average transfer fee | AED 0.00 | AED 19.13 | AED -19.13 |
| Exchange rate markup | 0.97% | 0.41% | 0.56 pp* |
| Average total cost (%) | 0.97% | 3.01% | -2.04 pp* |
^MTO: Money transfer operator, a commonly used term for a money transfer provider
*Percentage points
🛠️ How to use this insight: Historical data shows that banks in UAE can be competitive. However, pricing still varies by provider, transfer amount, and method — so comparing options can still be beneficial.
📊 Does sending more money reduce the cost to remit money from UAE to Philippines?
To see if transfer cost varies based on the amount sent, we compared the average cost of sending AED 735 vs AED 1835 from UAE to Philippines.
We found that sending a higher amount (AED 1835) is typically cheaper — average cost drops from 2.90% to 1.58%, a reduction of 1.32 percentage points.
The cost of your transfer usually continues to drop as transfer amount increases. That said, always check the latest exchange rates and fees for your intended transfer amount.
🛠️ How to use this insight: Since it is generally cheaper to send higher United Arab Emirates Dirham amounts to Philippines, consider consolidating smaller, more frequent transfers into fewer, larger ones. Doing so may reduce the total cost you pay.
🏛 How competitive is the market for sending money to Philippines from United Arab Emirates?
Based on data from the last 5 years, United Arab Emirates Dirham to Philippine Peso money transfers are provided on an average by 11 remittance companies. With this number of providers, we consider the level of market competition to be competitive.
Traditional banks account for only 9.1% of active providers (1 out of 11), whilst money transfer services make up the majority. This means you have more options beyond banks when you transfer AED to Philippines.
Today, you can compare 12 providers on RemitFinder for United Arab Emirates Dirham to Philippine Peso transfers — more than the historical average. This gives you a wider choice of pricing options as well as payment and delivery methods.
A remittance market with more active providers is typically more competitive. This means you can get a better pricing and more payment and delivery options for your UAE to Philippines remittances.
This is why comparing providers is especially important when you transfer money from United Arab Emirates to Philippines.
⏱️ How fast can you transfer United Arab Emirates Dirham to Philippine Peso?
If your recipient in Philippines needs funds urgently, transfer speed becomes just as important as cost when sending money.
Here is what we see for UAE to Philippines transfers:
- Average transfer time: About 27 hours (~1.1 days).
- Fastest transfer time: About less than 1 hour.
- Slowest transfer time: About 144 hours (~6.0 days).
- Average speed at AED 735: About 27 hours (~1.1 days).
- Average speed at AED 1835: About 27 hours (~1.1 days).
Banks vs money transfer providers speed comparison: Banks take 10 hours longer on average than money transfer providers.
In many cases, the fastest providers are not always the cheapest, so balancing speed and cost is important when you transfer AED to Philippines.
🛠️ How to use this insight: If you need to send money from UAE to Philippines in a hurry, compare providers not just on exchange rate, but also on expected speed. Speed also varies based on the delivery method (bank vs cash vs wallet) you choose for Philippines.
Transfer speed for UAE to Philippines money transfers can vary widely across providers. For time-sensitive transfers, compare speed alongside cost and choose faster payment and delivery methods.
Frequently Asked Questions: Sending money to Philippines from UAE
These FAQs use data from RemitFinder's historical analysis of UAE to Philippines money transfers over several years.
What factors affect the total cost of sending money from United Arab Emirates to Philippines?
The total cost of your United Arab Emirates Dirham to Philippine Peso money transfer depends on how you fund the transaction (payment method), how the recipient receives it (delivery method), the exchange rate you get, and any transfer fee charged by the provider.
To avoid overpaying for your transfer, compare money transfer providers.
How much does the exchange rate affect transferring money to Philippines from UAE?
Historical United Arab Emirates Dirham to Philippine Peso exchange rate markup ranges from -0.55% to 2.59%, a spread of 3.14 percentage points. Even small differences in the exchange rate markup can impact your final payout significantly.
Can you get a better-than-market rate when you send United Arab Emirates Dirham to Philippines?
Sometimes, money transfer providers may offer promotional exchange rates that are better than the mid-market exchange rate, resulting in a negative AED to PHP remittance rate markup.
Such offers are generally limited by transfer amount, eligibility, or duration. Compare providers to see if you can take advantage of any ongoing special offers.
Exchange Rate vs Transfer Fee: What matters more when you send money to Philippines from UAE?
Exchange rate markup ranges from -0.55% to 2.59% (a spread of 3.14 percentage points).
Transfer fees range from AED 0.00 to AED 41.61, which equals roughly 5.66% on a AED 735.00 transfer.
At AED 735.00, the larger driver of overall cost is the transfer fee, whilst at AED 1835.00, it shifts toward exchange rate markup.
Regardless, our recommendation is that it is important to compare both exchange rates and fees when choosing a provider for UAE to Philippines money transfers.
As the transfer amount increases, the % impact of fees decreases (because the fee gets spread across a larger AED amount), whilst exchange rate markup remains a percentage-based cost that can scale with transfer size.
For smaller transfers, fees can matter more, whilst for larger transfers, exchange rate often becomes the bigger driver. Either way, comparing both helps you get the most PHP for your AED.
How much can costs vary between providers when sending money from UAE to Philippines?
Historical transfer cost ranges from -0.06% to 5.89% for AED transfers to Philippines. That is a spread of 5.95 percentage points, indicating significant differences between various money transfer providers.
A major contributor to this variation is exchange rate markup. FX markup alone ranges from -0.55% to 2.59% (a spread of 3.14 percentage points). Thus, even small differences in FX margin can have a big impact on the final PHP payout.
Why do Money Transfer Providers charge different rates for United Arab Emirates Dirham to Philippine Peso money transfers?
If you send the same United Arab Emirates Dirham amount to Philippines via different providers, the cost of each transfer will be different because of variations in FX markup, fees, and payment and delivery methods.
Even small differences among all the above factors can change the final PHP payout in Philippines in a big way.
How stable are the costs to remit money to Philippines from UAE?
When we analyzed the historical total cost for AED to PHP transfers, we observed a range from -0.06% to 5.89% (5.95 percentage points difference), along with a variability (standard deviation) of 1.09%.
A major driver of cost in this market is exchange rate markup. FX markup ranges from -0.55% to 2.59% (3.14 percentage points difference), with a standard deviation of 0.41%. Fees and payment/delivery method choices can contribute to further volatility.
This is exactly why we recommend comparing money transfer providers to get the most of your United Arab Emirates Dirham to Philippine Peso transfers.
Which Payment Method is the cheapest to send money from United Arab Emirates to Philippines?
Bank Account Transfer is the cheapest payment method in UAE based on its average cost at 2.69% (compared to Credit Card at 3.23%, a difference of 0.54 percentage points).
Based on this, we recommend paying for your AED transfer with Bank Account Transfer, and avoiding Credit Card if possible.
Is Debit Card cheaper than Credit Card when you transfer money to Philippines from UAE?
Debit Card is cheaper on average when sending money to Philippines from UAE since it costs 3.14% (compared to 3.23% for Credit Card payments, a difference of 0.09 percentage points).
As a result, we recommend that you avoid paying for your transfer to Philippines with a Credit Card.
Which Delivery Method is cheapest when you remit money to Philippines from UAE?
Cash Pickup is the cheapest delivery method in Philippines as it costs 2.74% (compared to Bank Deposit at 3.02%, a spread of 0.28 percentage points).
If your recipient in Philippines can accept Cash Pickup, we recommend choosing it as your preferred delivery option for United Arab Emirates Dirham to Philippine Peso transfers.
Is Bank Deposit cheaper than Cash Pickup when you send money to Philippines from UAE?
Cash Pickup is cheaper for United Arab Emirates Dirham transfers to Philippines given its 3.02% average cost (versus 2.74% for Cash Pickup, a difference of 0.28 percentage points).
To save more, consider choosing the cheapest delivery option for Philippines.
What is the cheapest way to send money from UAE to Philippines?
We evaluated 6 payment and delivery method combinations for UAE to Philippines remittances.
Based on historical data, Bank Account Transfer → Bank Deposit is the cheapest combination with 2.65% cost.
At the other end of the spectrum, Cash → Bank Deposit is the most expensive combination at 3.28% cost. That is a difference of 0.63 percentage points between the cheapest and most expensive combinations.
Money transfer providers price payment and delivery methods for UAE to Philippines remittances differently. As you compare options, look for the cheapest combination to maximize the value of your AED to PHP transfers.
Does sending more money reduce the cost to transfer money to Philippines from United Arab Emirates?
Larger United Arab Emirates Dirham to Philippine Peso transfers are cheaper on average.
The cost of a AED 735 transfer averages 2.90% as compared to 1.58% for a AED 1835 transfer, a difference of 1.32 percentage points.
How long does it take to send AED to PHP money transfers?
Based on our analysis, the average transfer time for United Arab Emirates Dirham to Philippine Peso transfers is 27 hours (~1.1 days), with the fastest transfers completing in less than one hour and the slowest in 144 hours (~6.0 days).
Can you instantly transfer money from UAE to Philippines?
Yes, historical data shows that some transfers to Philippines from UAE can complete in less than one hour.
Note that the actual speed of your AED to PHP transfer will depend on the chosen provider, payment method, delivery method, and eligibility checks.
Are banks more expensive than money transfer companies for UAE to Philippines remittances?
Banks in UAE are competitive and can be cheaper than money transfer providers.
The average cost of banks is 0.97% compared to 3.01% for money transfer providers in UAE, a difference of -2.04 percentage points.
How competitive is the market for sending money from UAE to Philippines?
Based on historical data, the competition level in UAE to Philippines is considered competitive with 11 active providers.
Money transfer providers represent about 90.9% of identified providers in UAE.
Can you overpay if you do not compare providers before transferring money to Philippines from UAE?
Historically, total AED to PHP transfer cost has varied by 5.95 percentage points. On a AED 735 transfer, that can translate to AED 43.73 in savings.
United Arab Emirates Dirham to Philippine Peso exchange rate markup also varies across providers. The average markup spread has been about 3.14 percentage points. On a AED 735 transfer, that could be AED 23.08 saved from FX alone.
Fees can also make a big difference in this market, with a difference of about AED 41.61 across providers.
That is why comparing providers can materially change how much of the AED you send your recipient receives in Philippines.
Latest Exchange Rates for Sending Money to Philippines from UAE
Here are some latest AED to PHP (United Arab Emirates Dirham to Philippine Peso) exchange rates for popular conversion amounts*.
| 1 AED | 16.53 PHP |
| 5 AED | 82.63 PHP |
| 10 AED | 165.27 PHP |
| 25 AED | 413.17 PHP |
| 50 AED | 826.35 PHP |
| 100 AED | 1,652.69 PHP |
| 150 AED | 2,479.04 PHP |
| 200 AED | 3,305.38 PHP |
| 250 AED | 4,131.73 PHP |
| 300 AED | 4,958.07 PHP |
| 400 AED | 6,610.76 PHP |
| 500 AED | 8,263.45 PHP |
| 600 AED | 9,916.14 PHP |
| 700 AED | 11,568.83 PHP |
| 800 AED | 13,221.52 PHP |
| 1000 AED | 16,526.90 PHP |
| 1500 AED | 24,790.35 PHP |
| 2000 AED | 33,053.80 PHP |
| 2500 AED | 41,317.25 PHP |
| 3000 AED | 49,580.70 PHP |
| 4000 AED | 66,107.60 PHP |
| 5000 AED | 82,634.50 PHP |
| 10000 AED | 165,269.00 PHP |
| 15000 AED | 247,903.50 PHP |
| 20000 AED | 330,538.00 PHP |
| 30000 AED | 495,807.00 PHP |
| 40000 AED | 661,076.00 PHP |
| 50000 AED | 826,345.00 PHP |
| 100000 AED | 1,652,690.00 PHP |
*Based on the Mid-market Exchange Rate
Other popular countries to send money from UAE
1 Based on 370 pricing observations across 11 firms over the last 5 years for a AED 735 money transfer from UAE to Philippines. Data Source: The World Bank, Remittance Prices Worldwide, available at http://remittanceprices.worldbank.org.
How we analyze remittance data?
Insights are derived from the World Bank's Remittance Prices Worldwide dataset, which collects standardized provider pricing information at defined transfer amounts.
We aggregate this data across multiple providers and multi-year periods to calculate averages, medians, and variability measures in order to identify consistent pricing patterns for the UAE to Philippines remittance corridor.
RemitFinder does not modify the underlying World Bank data. The analysis presented here is independently calculated from published datasets and is intended for informational and comparison purposes only.