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
See how much it costs to send money abroad
The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.
 Wise |  HSBC |  Barclays |  PayPal | |
|---|---|---|---|---|
Recipient gets (Total after fees) | 157,264.80 PHP | 154,458.37 PHP | 153,601.40 PHP | 150,374.82 PHP |
Exchange rate (1 GBPPHP) | 79.1361 | 77.2292 | 76.8007 | 75.3000 |
Exchange rate markup | 0 GBP | 48.19 GBP | 59.02 GBP | 96.95 GBP |
Transfer fee | 12.73 GBP | 0 GBP | 0 GBP | 2.99 GBP |
Total transfer cost | 12.73 GBP | 48.19 GBP | 59.02 GBP | 99.94 GBP |
How to send money internationally from Australia
Enter amount to send in GBP.
Pay in GBP 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 GBP, 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 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.
Best ways to send money internationally with WISE
The best way to send British pound 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.
PISP (Payment Initiation Service Provider) payments are instructions you give Wise to make a bank transfer directly from your bank account — without having to leave our app and log in to your online banking. This option is as cheap as a manual bank transfer, but it isn’t supported by all banks yet.
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.
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
Using Swift to fund your transfer usually means that your transfer will take longer and be more expensive, as your bank will charge a fee. You should also bear in mind that other correspondent banks in between may also deduct their handling fees. Your bank should be able to advise on those fees.
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
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 2,000 GBP to PHP is by using money that's in your Wise account and costs 12.59 GBP. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
GBP
PHP
| Sending 2,000 GBP | Transfer cost | ||
|---|---|---|---|
| Wise account | 12.59 GBP | ||
| PISP | 12.73 GBP | ||
| Bank transfer | 12.73 GBP | ||
| Debit card | 75.68 GBP | ||
| Credit card | 57.04 GBP | ||
| Swift | 12.73 GBP | ||
| Apple Pay | 57.04 GBP | ||
| Google Pay | 57.04 GBP | ||
Fastest way to send money abroad from Australia
Sending money with Wise is super fast: 74% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.
GBP
PHP
| Sending 2,000 GBP | Should arrive | ||
|---|---|---|---|
| Wise account | by Monday | ||
| PISP | by Monday | ||
| Bank transfer | by Monday | ||
| Debit card | by Monday | ||
| Credit card | by Monday | ||
| Swift | by Tuesday, 17 March | ||
| Apple Pay | by Monday | ||
| Google Pay | by Monday | ||
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.
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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.
- 2.98%On AUD
Earn returns
Earn returns every working day, and spend them instantly. Capital at risk, growth not guaranteed.1
Frequently asked 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 31/01/2026 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.