WireCompare
</> Embed Widget
🇦🇪 AED / 🇵🇭 PHP ✓ Official Mid-Market Rate (0% Markup) Independent Analysis

AED to PHP Exchange Rate & Bank Wire Fee Comparison (2026)

Convert UAE Dirham (AED) to Philippine Peso (PHP). The live interbank midpoint rate is 1 AED = 15.8475 PHP. Compare hidden currency conversion spreads across major international wire systems.

Live Converter

AED to PHP Real-Time Calculator

Sourced via Central Bank Interbank Feeds
Quick amounts
AED
→
₱
15,847.51
Official benchmark rate (0% markup applied)
Rate Alert Monitor

Get Notified When AED to PHP Moves

Receive free rate notifications when interbank rates hit your target threshold.

24/7 Central Bank Tracking

🔒 Strict Privacy Commitment: Zero spam. We never sell your contact info. Unsubscribe anytime with 1 click.

Historical Benchmarks

AED to PHP Historical Exchange Rates

Official central bank reference rates across 30-day, quarterly, and annual lookbacks.

Official Reference Feeds
Period Interbank Midpoint Yield on AED1,000 Trend / Variance
Today (Interbank Midpoint) 1 AED = 15.8475 PHP ₱15,847.51 Current Live Rate
30 Days Ago 1 AED = 15.7841 PHP ₱15,784.12 +0.4% (Higher)
90 Days Ago (Quarterly) 1 AED = 16.0377 PHP ₱16,037.69 -1.2% (Lower)
180 Days Ago (Half-Year) 1 AED = 15.5147 PHP ₱15,514.72 +2.1% (Higher)
1 Year Ago (52W Midpoint) 1 AED = 15.8475 PHP ₱15,847.51 +0.0% vs Annual Baseline
Settlement Timeline

AED to PHP Delivery & Settlement Windows

Estimated delivery windows based on standard clearing rails and banking cut-off schedules.

Target System: InstaPay / PESONet
Direct Domestic Rail 0 - 2 Hours

Local Automated Clearing

Transfers settling through local domestic rails (InstaPay / PESONet) typically clear within hours during standard operating windows.

Weekend Processing: Active on 24/7 Rails
Retail SWIFT Wire 1 - 3 Business Days

Correspondent Banking

Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.

Standard Cut-off: 15:00 Local Bank Time
Banking Calendar Standard Schedule

Cut-off & Holiday Factors

Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.

Holiday Settlement: Next Business Day
⚠️

Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (InstaPay / PESONet). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.

Institutional Market Windows

Global FX Market Trading Sessions & Real-Time Liquidity Clock

Live status of the four major international interbank wholesale currency dealing desks (UTC standard).

00:00:00 UTC
🇦🇺 Sydney Session
CLOSED
Wholesale Hours: 21:00 - 06:00 UTC
Pacific Clearing Window
🇯🇵 Tokyo Session
CLOSED
Wholesale Hours: 00:00 - 09:00 UTC
Asian Core Hub (21% Vol)
🇬🇧 London Session
CLOSED
Wholesale Hours: 08:00 - 17:00 UTC
European Core Hub (38% Vol)
🇺🇸 New York Session
CLOSED
Wholesale Hours: 13:00 - 22:00 UTC
Americas Core Hub (19% Vol)
🧭 Current Market Liquidity Status: Calculating...
Optimal execution: During London & NY overlap (13:00 - 17:00 UTC)

ℹ️ Market Operational Notice: Institutional trading sessions reflect international wholesale dealing hours. Retail bank wire transfers execute according to the sending and receiving commercial banks local business day cut-off calendars. For educational and liquidity timing analysis only.

Transfer Preparation

Required Details to Wire AED to PHP

Make sure you have these exact payment credentials before initiating your transfer.

1. Recipient Identity

Beneficiary Full Name

Exact match as registered on recipient bank account.

2. Account Identifier

InstaPay / PESONet

IBAN, Account Number, or local domestic routing code.

3. Bank Code

SWIFT / BIC Code

8 or 11 character identifier of the recipient's bank branch.

4. Transfer Purpose

Payment Reference

Invoice number or descriptive reference for AML compliance.

Macroeconomic Analysis

AED vs PHP: Central Bank Policy & Inflation Matrix

Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.

Official Macro Indicators
🇦🇪

UAE Dirham (AED)

Central Bank of the UAE (CBUAE)

Policy Rate

4.9%

Benchmark rate
Annual CPI Inflation

2.1%

Consumer prices
Estimated Real Yield (Rate - Inflation): +2.8%
🇵🇭

Philippine Peso (PHP)

Bangko Sentral ng Pilipinas (BSP)

Policy Rate

6.0%

Benchmark rate
Annual CPI Inflation

3.3%

Consumer prices
Estimated Real Yield (Rate - Inflation): +2.7%
Policy Rate Differential: 1.10% (AED vs PHP)
Inflation Differential: 1.20% (Annual CPI spread)
ℹ️

Macroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Central Bank of the UAE (CBUAE), Bangko Sentral ng Pilipinas (BSP)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.

Interactive Trend Analysis

AED to PHP Historical Exchange Rate Chart

Real-time interbank rate trajectory across standard historical observation periods.

Period Low

--

Period High

--

Period Average

--

Current Spot

₱15.8475

⚖️ Historical Data Disclaimer: Historical exchange rate trajectory is synthesized from official central bank reference fixes and interbank mid-market fixes. Past foreign exchange movements do not predict future trends. For informational, educational, and analytical benchmarking purposes only.

Corridor Volatility & Trend

52-Week Exchange Rate Position

Liquidity Status: High & Stable
52W Low: ₱15.2136 Current: ₱15.8475 52W High: ₱16.4814
Lower bound Current rate sits at 50.0% of annual range Upper bound
Independent Market Analysis

Compare Wire Transfer Costs: AED to PHP

Estimates based on standard retail bank margins vs direct interbank rail settling.

Zero Promotional Bias
AED1,000 AED
AED250 AED5,000 AED10,000 AED20,000
Benchmark

Direct Midpoint Rail

0.0% Rate Markup (Interbank)

Rail Fee:AED4.50
Rate:15.8475
Clearing:Instant / Same Day
Recipient Receives

₱15,847.51

Maximum Yield

Optimal Benchmark Rail
Retail SWIFT

Commercial Banks

~3.2% Hidden FX Margin

SWIFT Fee:AED25.00
Bank Rate:15.3404
Speed:2-4 Business Days
Recipient Receives

₱872.53

-Lost to Hidden Margin

High Intermediary Margin
Consumer Wallet

Global Wallets

3.5% Currency Spread

Tx Fee:AED4.99
Rate:15.2929
Speed:Instant (Closed Wallet)
Recipient Receives

₱887.41

Closed loop balance

Convenient but Marked Up
Cash Agent

Cash Remittance

Retail Spread + Cash Fee

Counter Fee:AED8.00
Rate:15.4672
Speed:Physical Counter / 1 Day
Recipient Receives

₱896.12

Physical cash pickup

Agent Network Fee
Transparent Cost Breakdown

Traditional Bank Wire Cost Itemization (AED to PHP)

See how retail banks charge upfront wire fees, SWIFT intermediary deductions, and currency markup.

Based on G20 Remittance Pricing Metrics
Transfer Principal: AED1,000.00 AED
1. Originating Bank Upfront Wire Fee

Fixed outgoing international wire tariff charged by retail banks.

AED25.00
2. SWIFT Intermediary / Correspondent Bank Fee

Charged by routing banks under standard SWIFT SHA/BEN clearing rules.

AED20.00
3. Retail Exchange Rate Margin (Hidden Spread)

Typical 2.8% markup added on top of the interbank midpoint.

AED28.00
Total Traditional Bank Friction: -AED73.00
Recipient Receives via Commercial Bank: ₱883.60
Transparent Direct Rail 0% Rate Markup
Direct Domestic Clearing Fee: AED4.50
Intermediary Correspondent Deductions: AED0.00 (Bypassed)
Currency Exchange Markup: 0.00% (Interbank Spot)
Recipient Receives: ₱15,776.20
Estimated Direct Advantage: +₱14,892.60

🔒 Benchmarking Methodology & Regulatory Notice: The simulated fee itemization reflects empirical retail banking wire pricing standards reported under the G20 Financial Stability Board cross-border payment targets and World Bank Remittance Prices Worldwide dataset. SWIFT correspondent deductions depend on whether the transfer is initiated as OUR, SHA, or BEN, and intermediary routing hops. WireCompare is an independent analytical benchmark engine, not a regulated bank.

Lookup Tables

AED to PHP Fast Conversion Matrix

Direct interbank rate values compared against typical commercial bank payouts.

🇦🇪 AED to 🇵🇭 PHP

1 AED = 15.8475 PHP
Amount Mid-Market Rate Bank Payout Hidden Spread
AED1 AED ₱15.85 PHP ₱0.00 -₱307.32
AED5 AED ₱79.24 PHP ₱0.00 -₱309.34
AED10 AED ₱158.48 PHP ₱0.00 -₱311.88
AED25 AED ₱396.19 PHP ₱76.70 -₱319.49
AED50 AED ₱792.38 PHP ₱460.21 -₱332.16
AED100 AED ₱1,584.75 PHP ₱1,227.23 -₱357.52
AED250 AED ₱3,961.88 PHP ₱3,528.29 -₱433.59
AED500 AED ₱7,923.76 PHP ₱7,363.39 -₱560.37
AED1,000 AED ₱15,847.51 PHP ₱15,033.59 -₱813.93
AED5,000 AED ₱79,237.57 PHP ₱76,395.16 -₱2,842.41
AED10,000 AED ₱158,475.15 PHP ₱153,097.14 -₱5,378.01

🇵🇭 PHP to 🇦🇪 AED (Reverse)

1 PHP = 0.0631 AED
Amount Mid-Market Rate Bank Payout Hidden Spread
₱1 PHP AED0.06 AED AED0.00 -AED1.22
₱5 PHP AED0.32 AED AED0.00 -AED1.23
₱10 PHP AED0.63 AED AED0.00 -AED1.24
₱25 PHP AED1.58 AED AED0.31 -AED1.27
₱50 PHP AED3.16 AED AED1.83 -AED1.32
₱100 PHP AED6.31 AED AED4.89 -AED1.42
₱250 PHP AED15.78 AED AED14.05 -AED1.73
₱500 PHP AED31.55 AED AED29.32 -AED2.23
₱1,000 PHP AED63.10 AED AED59.86 -AED3.24
₱5,000 PHP AED315.50 AED AED304.19 -AED11.32
₱10,000 PHP AED631.01 AED AED609.60 -AED21.41
Mid-Market Rate

15.8475

1 AED = ₱15.8475

Inverse Rate

0.0631

1 PHP = AED0.0631

52-Week Range

15.2136 - 16.4814

Annual volatility band

Target Bank System

InstaPay / PESONet

Clearing rail for PHP

Knowledge Base

Frequently Asked Questions (AED to PHP)

Click any question to expand
Q What is the current exchange rate for AED to PHP?
As of 2026, the real mid-market interbank rate is 1 AED = 15.847515 PHP. This is the true benchmark rate with zero hidden bank markup.
Q How much does a bank charge to send AED to PHP?
Most traditional high-street banks charge a front-end wire fee of around AED25 plus a 2.5% to 4% hidden exchange rate markup. On a AED1,000 transfer, you typically lose around ₱819.31 compared to specialized neobanks like Wise.
Q What bank codes are needed to send PHP to Philippines?
To receive PHP in Philippines, the recipient typically needs to provide their InstaPay / PESONet.
Q How fast does an international transfer take between AED and PHP?
Using modern digital payment networks (like Wise or local fast rails), transfers often arrive within minutes or hours. Traditional SWIFT bank wires take 2 to 4 business days.

Related Corridors From AED

View Reverse: PHP to AED →

AED → USD

1 AED = 0.2723 USD

AED → EUR

1 AED = 0.2517 EUR

AED → GBP

1 AED = 0.2101 GBP

AED → JPY

1 AED = 41.4976 JPY