AED to PHP today: UAE dirham to Philippine peso
1 UAE dirham = ₱17.0845, and ₱1,000 buys 58.53 AED. On a typical 735 AED transfer from the United Arab Emirates (₱12,557 today), the cheapest firm in the World Bank's Q3 2025 survey keeps ₱101.71 and the dearest ₱607.76. Against 2 Oct 2025, when it was ₱15.8537, 1,000 AED brings ₱1,230.82 more (1,000 × ₱1.2308). Because the Central Bank of the UAE lists the US dollar at 3.6725 dirhams, it moves against the peso almost exactly as the US dollar does. Next: pick a firm from the cost table, then collect at a BSP-registered office near you (offices by province).
Rate: BSP Reference Exchange Rate Bulletin, 2 Oct 2026. Working: US$0.2723 per AED × ₱62.7480 per US$ = ₱17.0845.
1 AED = ₱17.0845 · ₱1 = 0.0585 AED · official rate (BSP bulletin), 2 Oct 2026
The converter applies the 2 Oct 2026 rate with no fee or spread. Changing pesos into UAE dirhams instead? PHP to AED has bank selling rates.
What sending AED to the Philippines costs
World Bank Q3 2025 survey, United Arab Emirates: 9 firms priced a 735 AED transfer (about US$200, ₱12,557 today) at 0.81% to 4.84% of the amount, fee and rate margin together, 3.04% on average. The gap between the two ends is ₱506.05 per transfer (4.03% × ₱12,557.12).
| Firm | Paid out as | Speed | Fee (AED) | Rate margin | Total cost | Pesos lost | Cost on US$500 |
|---|---|---|---|---|---|---|---|
| DirectRemit (NBD)Bank | Bank account | 2 days | 0.00 | 0.81% | 0.81% | ₱101.71 | 0.81% |
| GCC ExchangeMoney Transfer Operator | Cash | Less than one hour | 6.00 | 0.24% | 1.06% | ₱133.11 | 0.57% |
| Western UnionMoney Transfer Operator | Cash | Less than one hour | 10.50 | 0.16% | 1.59% | ₱199.66 | 0.73% |
| LariMoney Transfer Operator | Bank account | 2 days | 10.50 | 0.21% | 1.64% | ₱205.94 | 0.78% |
| Wall St ExchangeMoney Transfer Operator | Cash | Less than one hour | 15.75 | 0.19% | 2.33% | ₱292.58 | 1.05% |
| MoneyGramMoney Transfer Operator | Cash | Less than one hour | 21.00 | 0.31% | 3.17% | ₱398.06 | 1.45% |
| Al Fardan ExchangeMoney Transfer Operator | Bank account | 2 days | 24.00 | 0.16% | 3.43% | ₱430.71 | 1.47% |
| Al AnsariMoney Transfer Operator | Bank account | 2 days | 26.50 | 0.20% | 3.81% | ₱478.43 | 1.64% |
| WiseMoney Transfer Operator | Bank account | Less than one hour | 35.44 | 0.02% | 4.84% | ₱607.76 | 4.30% |
United Arab Emirates to the Philippines, 735 AED, surveyed 15 Aug 2025 to 22 Aug 2025. Cheapest product per firm.
Source: The World Bank, Remittance Prices Worldwide, available at http://remittanceprices.worldbank.org (CC BY 4.0). Pesos lost = total cost × the amount in pesos at today's rate. A negative cost means the firm paid out more than the market rate on the survey day.
Check a quote against the official rate
Type the AED amount and the pesos your app or counter promises; the checker shows what the rate and fee cost you in pesos. If the gap is wide, try another firm before you send. The Q3 2025 survey average above, 3.04%, is a fair yardstick.
- What this transfer costs you against the official rate
- ₱128.13 (1.50%)
- At the official rate
- ₱8,542.26
- Provider's effective rate
- ₱16.8283
Rate used: 1 AED = ₱17.0845, 2 Oct 2026. Cost = value at that rate minus the pesos that arrive, plus the fee converted at the same rate.
AED to PHP over 30, 90 and 365 days
| Period to 2 Oct 2026 | High | Low | Average | Change |
|---|---|---|---|---|
| 30 days 23 rates | ₱17.112316 Sep 2026 | ₱16.97862 Sep 2026 | ₱17.0539 | +0.62%from ₱16.9786 |
| 90 days 64 rates | ₱17.112316 Sep 2026 | ₱16.52707 Aug 2026 | ₱16.8549 | +1.88%from ₱16.7692 |
| 365 days 245 rates | ₱17.112316 Sep 2026 | ₱15.669927 Feb 2026 | ₱16.3849 | +7.76%from ₱15.8537 |
Pesos per 1 AED. Change = (today − start of period) ÷ start of period. One value per BSP banking day from the BSP daily peso cross-rate series and bulletins.
AED and PHP amounts, both ways
AED to PHP
| 1 AED | ₱17.0845 |
|---|---|
| 5 AED | ₱85.42 |
| 10 AED | ₱170.85 |
| 50 AED | ₱854.23 |
| 100 AED | ₱1,708.45 |
| 500 AED | ₱8,542.26 |
| 1,000 AED | ₱17,084.52 |
| 5,000 AED | ₱85,422.62 |
Each row: amount × ₱17.0845, the 2 Oct 2026 rate, before fees.
PHP to AED
| ₱100 | 5.85 AED |
|---|---|
| ₱500 | 29.27 AED |
| ₱1,000 | 58.53 AED |
| ₱5,000 | 292.66 AED |
| ₱10,000 | 585.33 AED |
| ₱50,000 | 2,926.63 AED |
Each row: pesos ÷ ₱17.0845, before fees. Sending one of these amounts? Test the pesos promised in the quote checker.
Receiving AED transfers in the Philippines
Cash remittances from the United Arab Emirates reached US$1.64 billion in 2025 (BSP, preliminary), and the DMW deployed 397,892 Filipino workers there that year (DMW 2025 deployment).
The 9 surveyed firms offer 21 ways to send on this corridor: 13 pay out into a bank account, 8 pay out as cash for pickup; 9 arrive in less than an hour. Cash pickup works at BSP-registered remittance agents, pawnshops and banks; a bank or e-wallet credit saves the trip.
Neither BPI nor Metrobank posts a board rate for UAE dirham notes, so ask the sender to have the money paid out in pesos rather than carry the cash home. Find a registered office near you on the remittance centres by province page, compare e-wallet cash-in and cash-out fees, and check the InstaPay and PESONet fee before moving the pesos to your bank.
How Philippine tax treats AED you receive
- Money family abroad sends you is not part of your gross income: gifts are excluded under NIRC Sec. 32(B)(3), and an OFW's pay earned abroad is not taxed here under Sec. 23(C). Money paid to you for work is income in any currency. More: are remittances taxable?
- OFW remittances are exempt from documentary stamp tax when the recipient shows the OFW's OEC or OWWA certificate (RA 8042 Sec. 35 as amended by RA 10022). More: documentary stamp tax.
- Kept in a foreign currency deposit, the interest of a resident is taxed at a 20% final tax since 1 July 2025 (RA 12214, CMEPA). More: final tax.
- A business converts AED amounts at the BSP rate on the transaction day, is taxed on forex gains only when realized, and loses other rates in an audit unless it filed the sworn statement (BIR RMC 12-2024). More: income tax.
AED to PHP questions
How much is 2,000 AED in Philippine pesos?
2,000 × ₱17.0845 = ₱34,169.05 at the 2 Oct 2026 rate, and 10,000 AED is ₱170,845.23. What arrives is lower by the provider's fee and rate margin.
What is the highest AED to PHP rate?
In the three years to 2 Oct 2026 the highest daily value was ₱17.1123 on 16 Sep 2026 and the lowest ₱15.0512 on 27 May 2025. By monthly average, the highest since January 1993 was ₱17.0477 in September 2026. Source: BSP daily peso cross rates.
Will the UAE dirham go up against the peso?
Nobody can know that in advance. With the AED fixed to the dollar, watch the peso-dollar rate and the BSP's policy-rate decisions. In the last year the AED ranged from ₱15.6699 to ₱17.1123.
Why does my bank or app give less than ₱17.0845?
This is a reference rate with no spread; anyone buying UAE dirhams from you pays less and may add a fee. Neither BPI nor Metrobank posts a board rate for the UAE dirham (boards as of 2 Oct 2026, 4:19 PM and 2 Oct 2026, 9:09 AM), so ask the sender to have the money paid out in pesos and compare the pesos that arrive.
Which rate applies on a weekend or holiday?
The Friday 2 Oct 2026 bulletin, generated by the BSP at 08:43 AM, stays the reference until the next one, Monday 5 Oct 2026 at the earliest (later if that is a holiday). Banks and apps keep setting their own rates in between. Source: BSP exchange rate page.
Does the sender owe tax on a large gift from the United Arab Emirates?
Possibly. Donor's tax is 6% of a donor's total gifts above ₱250,000 in a calendar year (NIRC Sec. 99 as amended by RA 10963), and the sender owes it, not the recipient. At the 2 Oct 2026 rate, ₱250,000 is 14,633.13 AED. Source: RA 10963 (TRAIN), Sec. 99.