Cheapest way to send money from UAE to Philippines

There is no single 'cheapest' service that stays cheapest forever — rates change every day. But there is a repeatable method to always land close to the best rate.

Step 1 — check the mid-market rate

Open Google and type 'AED to PHP'. The number you see is the mid-market rate. Any provider will give you slightly less than that — the difference is how they earn on FX. Your job is to give up as little of that difference as possible.

Step 2 — compare three providers at your amount

Never trust an average. Enter your exact amount into three provider apps (for example Wise, Remitly and Al Ansari) and note the amount your recipient will receive in PHP. Pick the biggest number.

Step 3 — pick the delivery method your recipient prefers

GCash and Maya arrive in minutes and are usually the cheapest option overall. Direct bank deposit is a close second. Cash pickup is convenient but frequently the most expensive.

Which providers are competitive on this corridor?

• Remitly — very fast Express + GCash / Maya support
• Wise — mid-market rate, transparent fee (bank only)
• WorldRemit — competitive on cash pickup and GCash
• Al Ansari and LuLu — good on payday promos, and cash-friendly
• Western Union — best when the recipient has no bank account

See the full provider comparison on /compare for our latest read.