International wire transfer
- 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

Savings on this transfer, and eligible transfers for the rest of the month.
International wire transfer
- 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

Savings on this transfer, and eligible transfers for the rest of the month.
International wire transfer fee: how much does it cost to transfer Australian dollar to Philippine peso?
The cheapest way to send 45,000 AUD to PHP is by using money that's in your Wise account and costs 277.90 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 account | 277.90 AUD | ||
Osko | 277.81 AUD | ||
Bank transfer | 277.81 AUD |
How long does an international wire transfer take?
Sending money with Wise is super fast: 64% 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 account | by Tuesday | ||
Osko | by Tuesday | ||
Bank transfer | by Tuesday |
How to wire money internationally from Australia

Enter amount to send in AUD.
Pay in AUD with your debit card or credit card, or send the money from your online banking.

Choose recipient .
Select who you want to send money to and which pay-out method to use.

Send AUD, receive PHP.
The recipient gets money in PHP directly from Wise’s local bank account.
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.
Wire money abroad with the Wise app
Looking for an app to wire money abroad? 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.
Wire money abroad with the Wise app
Looking for an app to wire money abroad? 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.
See where Wise works
- Send money
- Account details
- Hold and convert money