Compare today's AED to PHP (United Arab Emirates Dirham to Philippine Peso) exchange rates
📈 UAE to Philippines Money Transfer Snapshot Today
- Best AED to PHP exchange rate today: PHP 16.3300, offered by Remitly
- Number of money transfer providers compared: 13
- Exchange rate range: PHP 15.7766 to PHP 16.3300
- Potential savings on AED 1000: PHP 553.40
- Number of deals and promo codes: 5
- 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 16.1199 (Updated about an hour ago)
See detailed UAE to Philippines money transfer comparison below.
Money Transfer Providers that matched the search criteria
📢 Special exchange rate applied for first transfer
📢 B2B transfers only
📢 B2B transfers only
📢 New! Cash pickup available
📢 Get promotional rate on your first transfer
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 today's AED-PHP exchange rates mean for you
Compare today's AED-PHP exchange rates and send money from UAE to Philippines after comparing numerous money transfer providers. Check the latest exchange rates, read detailed provider reviews, and discover deals and promo codes — all in one place.
RemitFinder compared 13 providers that you can rely on for UAE to Philippines money transfers today. Here is a summary of how the competition looks like right now:
Today's Most Competitive UAE to Philippines Providers
🥇 Remitly with 1 AED = 16.3300 PHP (best AED to PHP exchange rate today).
🥈 CurrencyFair offering 1 AED = 16.1320 PHP.
🥉 Regency FX & Key Currency are also providing good FX rate today.
The exchange rate provided by these 13 providers ranges from PHP 15.7766 to PHP 16.3300. For a AED 1000 money transfer from UAE to Philippines, that could mean up to PHP 553.40 saved on FX alone.
AED-PHP exchange rates fluctuate throughout the day, and top positions can change quickly. This volatility can significantly impact the final PHP payout that your recipient gets in Philippines.
That's why we recommend comparing money transfer providers to ensure you can maximize the value of your UAE to Philippines remittances.
🔄 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.
👇 We also suggest looking beyond today's AED-PHP exchange rate — historical pricing trends show many factors that can affect the overall transfer cost of your transfer.
Whilst AED-PHP 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 UAE to Philippines historical remittance data to help you understand where costs may arise and share some best practices to try to maximize your PHP payout.
Data-driven cost insights for UAE to Philippines money transfers
When you send money internationally from UAE to Philippines, the key factors that will influence the overall cost of your transaction are:
- AED-PHP exchange rate
- Transfer fee
- Payment method
- Delivery method
Ideally, you would want to optimize these 4 factors to try to get the maximum PHP payout for your overseas recipient in Philippines.
Another counter-balancing aspect is money transfer speed. If you need to rush money from UAE to Philippines, you may have to compromise on some of the above factors whilst optimizing for speed.
To put this into a better perspective using a data-driven approach, we analyzed historical remittance pricing1 for UAE to Philippines money transfers to compare 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 data-driven approach using real AED-PHP transfer data provides useful insights into identifying the lowest-cost payment and delivery combinations, thereby helping you reduce costs and maximize the amount received.
Before we deep dive, here are the key trends from our analysis, summarized in an easy to read format.
📌 Key insights for UAE to Philippines money transfers
- 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 provide detailed data-driven insights on various factors that influence the total cost of your UAE to Philippines money transfers.
📈 AED to PHP exchange rate is often the biggest driver of both cost and payout
The exchange rate on your UAE to Philippines money transfers is usually the single biggest factor that will determine your overall AED cost and your recipient's PHP payout.
To analyze exchange rates, we will rely on the exchange rate markup (also called FX margin) which is the difference between the mid-market exchange rate
Based on historical pricing data for a AED 735 money transfer benchmark, we see the following FX markup ranges for 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, the above markup range is equivalent to roughly PHP 23.08 purely from differences in the exchange rate. That incremental saving increases to PHP 57.62 for a AED 1835 transfer.
🛠️ 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.
AED to PHP exchange rate can be the single most critical factor that determines the cost of your transfer. When comparing providers, keep an eye on the rate you will get.
💰 Transfer fees affect your total UAE to Philippines remittance cost
Whilst exchange rate is a major factor affecting total transfer cost, the transfer fee can also have a big impact on how much of your United Arab Emirates Dirham reaches your recipient in Philippines.
Based on data from last 5 years, we notice the below about 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 amount of AED 18.09 noted above represents 2.46% of the total amount sent.
Also note that even if two providers provide the same exchange rate, a best vs worst case transfer fee can increase the payout by AED 41.61.
🛠️ How to use this insight: For your next money transfer from UAE to Philippine Peso, look for providers that provide lower (or even 0) fees.
One caveat to this, though, is something called the hidden fee. Some providers may hide their real fees by offering a 0 or low fee, but providing a lower exchange rate. The money lost due to an inferior FX rate affects your bottom line and is referred to as a hidden fee. Therefore, you should also keep an eye on rates whilst paying attention to fees.
Another point that you should keep in mind is that for larger transfers, fixed fees become a lesser percentage of total amount. But for smaller transfers, fees can be a major part of total cost.
💸 Payment and delivery methods matter for AED-PHP remittances
Based on our detailed analysis of historical UAE to Philippines data, we see consistent variation in overall cost amongst the payment method and delivery method you choose.
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 total spread of 0.54 percentage points.
This means that on a AED 735 transfer, you could save up to AED 4.00 simply by choosing the best priced payment method.
These savings will only multiply for higher AED amounts.
Here is the average cost of popular delivery methods used to send money from UAE to Philippines:
- Cash Pickup: 2.74%
- Bank Deposit: 3.02%
The cost difference between the above delivery methods is 0.28 percentage points.
Once again, this means that you could save up to AED 2.07 on a AED 735 transfer to Philippines by choosing Cash Pickup versus Bank Deposit.
As you can imagine, the possible combinations of UAE payment methods and Philippines delivery methods will all have disparate cost. Let us look at that next.
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).
As you can see, the difference between these AED-PHP payment and delivery options is significant. Here are some observations:
- Bank Account Transfer → Bank Deposit has the lowest average cost at 2.65%.
- Cash → Bank Deposit has the highest average cost at 3.28%.
- Bank Account Transfer → Bank Deposit average cost is 0.63 percentage points lower than that of Cash → Bank Deposit.
- This means that on a AED 735 money transfer, you could save up to AED 24.14 simply by choosing the best payment and delivery method combo.
- Further, on a AED 1835 money transfer, the 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 and delivery methods (data-backed)
- Cheapest payment method: Bank Account Transfer averaged 2.69%, compared to 3.23% for Credit Card, a difference of 0.54 percentage points.
- Cheapest delivery method: Cash Pickup averaged 2.74%, compared to 3.02% for Bank Deposit (0.28 percentage points higher).
- Cheapest combo: Bank Account Transfer → Bank Deposit averaged 2.65%, which is 0.63 percentage points lower than 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 most economical payment and delivery methods.
🏦 Are banks more expensive than money transfer providers for AED-PHP remittances?
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 of AED-PHP money transfers?
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) tends to be 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 UAE to Philippines remittance market?
Based on data from the last 5 years, AED-PHP money transfers are provided on an average by 11 remittance companies. With around 11 providers serving this market, we consider the level of competition to be competitive.
Traditional banks have represented only 9.1% of active providers in this corridor (1 out of 11), meaning money transfer companies make up the majority.
The good news is that you can currently compare 13 providers on RemitFinder for AED-PHP transfers. This is a higher number of money transfer companies to choose from as compared to prior years.
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.
⏱️ How fast are AED-PHP money transfers?
If your recipient in Philippines needs funds urgently, you may need to optimize your transfer for speed.
Here is what we see for UAE to Philippines transfers when it comes to processing time:
- 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.
🛠️ 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.
UAE to Philippines transfer speed varies across providers, so compare transfer speed along with cost for time-sensitive money transfers. In addition, pick the fastest payment and delivery methods for faster processing.
Frequently Asked Questions about UAE to Philippines money transfers
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 UAE to Philippines?
The total cost of your AED-PHP 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 UAE to Philippines transfers?
Historical AED to PHP 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 AED-PHP exchange rate markup be negative?
Sometimes, money transfer providers may offer promotional exchange rates that are better than the mid-market exchange rate, resulting in a negative AED-PHP exchange 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.
Is the exchange rate or the transfer fee more important for UAE to Philippines transfers?
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 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 UAE to Philippines transfer costs vary between providers?
Historical transfer cost ranges from -0.06% to 5.89% for AED transfers to Philippines. That is a spread of 5.95 percentage points, meaning 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 various money transfer providers price AED to Philippines transfers differently?
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 transfer costs in the UAE to Philippines corridor?
When we analyzed the historical total cost for AED-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 AED-PHP transfers.
Which payment method is cheapest for UAE to Philippines remittances?
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 for UAE to Philippines transfers?
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 for AED-PHP money transfers?
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 AED-PHP transfers.
Is Bank Deposit cheaper than Cash Pickup for UAE to Philippines transfers?
Cash Pickup is cheaper for 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 tend to price payment and delivery methods for UAE to Philippines remittances differently. As you compare options, look for the cheapest payment-delivery method combo to maximize the value of your AED-PHP transfers.
Does sending more money reduce the cost for UAE to Philippines transfers?
Larger AED-PHP 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 money from UAE to Philippines?
Based on our analysis, the average transfer time for AED-PHP 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).
Are instant transfers available 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-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?
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 UAE to Philippines remittance market?
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.
Do I risk overpaying if I do not compare providers for UAE to Philippines?
Historically, total AED-PHP transfer cost has varied by 5.95 percentage points. On a AED 735 transfer, that can translate to AED 43.73 in savings.
AED-PHP 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 does your recipient receive in Philippines in Philippines.
Latest AED to PHP Conversion Rates
Here are some latest AED to PHP (United Arab Emirates Dirham to Philippine Peso) exchange rates for popular conversion amounts*.
| 1 AED | 16.12 PHP |
| 5 AED | 80.60 PHP |
| 10 AED | 161.20 PHP |
| 25 AED | 403.00 PHP |
| 50 AED | 806.00 PHP |
| 100 AED | 1,611.99 PHP |
| 150 AED | 2,417.99 PHP |
| 200 AED | 3,223.98 PHP |
| 250 AED | 4,029.98 PHP |
| 300 AED | 4,835.97 PHP |
| 400 AED | 6,447.96 PHP |
| 500 AED | 8,059.95 PHP |
| 600 AED | 9,671.94 PHP |
| 700 AED | 11,283.93 PHP |
| 800 AED | 12,895.92 PHP |
| 1000 AED | 16,119.90 PHP |
| 1500 AED | 24,179.85 PHP |
| 2000 AED | 32,239.80 PHP |
| 2500 AED | 40,299.75 PHP |
| 3000 AED | 48,359.70 PHP |
| 4000 AED | 64,479.60 PHP |
| 5000 AED | 80,599.50 PHP |
| 10000 AED | 161,199.00 PHP |
| 15000 AED | 241,798.50 PHP |
| 20000 AED | 322,398.00 PHP |
| 30000 AED | 483,597.00 PHP |
| 40000 AED | 644,796.00 PHP |
| 50000 AED | 805,995.00 PHP |
| 100000 AED | 1,611,990.00 PHP |
*Based on the Mid-market Exchange Rate
Other popular countries to send money from UAE
- Send money from UAE to Albania
- Send money from UAE to Armenia
- Send money from UAE to Azerbaijan
- Send money from UAE to Belarus
- Send money from UAE to Bermuda
- Send money from UAE to Bolivia
- Send money from UAE to Cambodia
- Send money from UAE to Canada
- Send money from UAE to Denmark
- Send money from UAE to Iran
- Send money from UAE to Kosovo
- Send money from UAE to Latvia
- Send money from UAE to Lithuania
- Send money from UAE to Malaysia
- Send money from UAE to Somalia
- Send money from UAE to Uganda
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.