UAE to Philippines Money Transfer: OFW Guide
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UAE to Philippines Money Transfer: OFW Guide

A practical guide for UAE-based OFWs sending money to the Philippines — covering GCash, bank deposit, cash pickup, and what to verify.

The Philippines is one of the largest remittance destinations for UAE-based senders. Overseas Filipino Workers (OFWs) in the UAE regularly send money home to support families. This guide covers the main options and what to verify before each transfer.

Popular payout methods for the Philippines

GCash (mobile wallet): GCash is a widely used mobile payment platform in the Philippines. Some providers (including WorldRemit and others) support GCash as a payout option for UAE-to-Philippines transfers. Verify with the specific provider whether GCash is supported for your corridor and whether there are any limits on GCash top-up amounts.

Bank deposit: Direct deposit to a Philippine bank account (BDO, BPI, Metrobank, etc.) is the most common bank payout method. Requires the recipient's bank account number and bank details.

Cash pickup: Western Union, MoneyGram, and other providers have agent networks in the Philippines for cash collection. Useful for recipients in areas without easy bank access.

Providers to compare

Digital apps including WorldRemit, Remitly, Western Union, and MoneyGram all support the UAE-to-Philippines corridor (verify at time of transfer). UAE exchange houses (Al Ansari, Lulu Exchange) also offer AED-to-PHP transfers — check rates at the branch or via the exchange house app.

What to compare

  • AED/PHP exchange rate vs the interbank rate.
  • Flat transfer fee, if any.
  • Whether GCash payout is available and any GCash limits.
  • Typical delivery time (same-day vs 1–3 days).

Data caveat: remit.ae does not publish live AED/PHP rates. Verify all fees and rates directly with the provider before sending.

AED → PHP — Provider Comparison

Typical rate based on data · Check final rate and fee directly with the provider before sending.

AED

29 providers compared · provider rates

Remitly6.9
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
e& money
e& money5.5
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
Joyalukkas Exchange
Joyalukkas Exchange7.7UAE exchange house
16,600PHP
they receive
Exchange rate: 16.6000Fee: AED 22.05
—Check rate
Redha Al Ansari Exchange
Redha Al Ansari Exchange7.8UAE exchange house
Rate confirmed in provider quote
Fee: AED 23
—Check rate
Al Ahalia Exchange
Al Ahalia Exchange6.7UAE exchange house
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
AL ANSARIEXCHANGE
Al Ansari Exchange7.8UAE exchange house
17,000PHP
rate conversion
Exchange rate: 17.0000Fee: AED 20
—Check rate
Al Rostamani International Exchange
Al Rostamani International Exchange6.6UAE exchange house
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
Belhasa Global Exchange
Belhasa Global Exchange6.6UAE exchange house
16,760PHP
rate conversion
Exchange rate: 16.7600Fee: AED 15
—Check rate
Federal Exchange
Federal Exchange6.8UAE exchange house
17,050PHP
rate conversion
Exchange rate: 17.0500Fee: confirmed in provider quote
—Check rate
GGCCEXCHANGE
GCC Exchange7.2UAE exchange house
17,000PHP
rate conversion
Exchange rate: 17.0002Fee: confirmed in provider quote
—Check rate
Index Exchange
Index Exchange6.6UAE exchange house
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
Lari Exchange
Lari Exchange6.6UAE exchange house
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
LM Exchange / LMPay
LM Exchange / LMPay6.7UAE exchange house
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
LuLuExchange
LuLu Exchange7.4UAE exchange house
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
Orient Exchange
Orient Exchange6.8UAE exchange house
Rate confirmed in provider quote
Fee: AED 23
—Check rate
Sharaf Exchange
Sharaf Exchange5.8UAE exchange house
16,980PHP
rate conversion
Exchange rate: 16.9800Fee: AED 22.86
—Check rate
Universal Exchange Center
Universal Exchange Center6.8UAE exchange house
17,000PHP
rate conversion
Exchange rate: 17.0000Fee: confirmed in provider quote
—Check rate
Al Fuad Exchange
Al Fuad ExchangeUAE exchange house
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
Multinet Trust Exchange
Multinet Trust ExchangeUAE exchange house
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
Emirates Islamic
Emirates Islamic6.3
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
First Abu Dhabi Bank (FAB)
First Abu Dhabi Bank (FAB)6.3
16,642PHP
rate conversion
Exchange rate: 16.6421Fee: confirmed in provider quote
—Check rate
Careem Pay
Careem Pay5.9
16,960PHP
rate conversion
Exchange rate: 16.9600Fee: AED 10
—Check rate
Al Ghurair Exchange
Al Ghurair ExchangeUAE exchange house
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
CurrencyFair
CurrencyFair5.8
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
OOFX
OFX4.2
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
Paysend
Paysend4.9
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
TapTap Send
TapTap Send5.8
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
Wise6.9
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate
XE Money Transfer
XE Money Transfer
Rate confirmed in provider quote
Fee: confirmed in provider quote
—Check rate

Data recorded: 28/09/2026, 12:10:29 PM

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Frequently asked questions about uae to philippines money transfer: ofw guide

Can I trust a company I found on remit.ae but never heard about before?

Provider availability, licensing, and regulatory status should be verified directly with the provider and relevant regulator where required.

Is it possible to send money with remit.ae, or are you just a comparison service?

remit.ae is an independent information platform, not a money transfer service. Once you identify a provider that fits your needs, visit their own website or app directly to set up and send your transfer.

How much does it typically cost to send money from the UAE?

Costs vary widely based on the provider, the amount sent, and the payment method. Check the final total cost — including any exchange-rate margin and flat fees — directly with the provider before sending.

What is the fastest option to send money from UAE?

Transfer speed depends on the provider, payment method, and recipient country. Many digital providers offer same-day or next-day delivery for some corridors. Verify expected delivery times with the provider before sending.

About the author

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