How to Send Money from UAE to Philippines – A Step-by-Step Guide
Sending money home to the Philippines is easy with multiple options available. Choose GCash for instant delivery or bank transfer for larger amounts.
1Choose Your Transfer Method
GCash Transfer
Most popular option for Filipino OFWs. Instant delivery to recipient's GCash wallet.
- Instant to 30 minutes
- Cash out anywhere
Bank Account Credit
Direct deposit to any Philippine bank. Supports BDO, BPI, Metrobank, UnionBank, and more.
- 1-2 hours typically
- All major banks
Cash Pickup
Recipient collects cash from partner locations. Wide network across provinces.
- Same-day available
- No bank account needed
Door-to-Door Delivery
Cash delivered to recipient's address. Available in Metro Manila and major provincial cities.
- Home delivery
- Provincial coverage
2Required Documents
Ensure you have the following ready:
- Valid Emirates ID
- UAE Residence Visa
- Recipient's Valid ID
- Employment Contract (for large amounts)
3Step-by-Step Instructions
Register & Verify
Sign up with a CBUAE-licensed provider and complete KYC verification using your Emirates ID and residence visa.
Enter Amount & Recipient Details
Input the amount in AED and provide the recipient's GCash number, bank account, or pickup details.
Pay & Track
Complete the payment and receive a tracking reference. Share the reference with your recipient.
4Tips to Save Money
- Use GCash for small amounts: GCash transfers are often instant and have competitive rates for everyday remittances.
- Check zero-fee promotions: Many providers offer zero fees for first-time transfers or during special promotions.
- Transfer on weekdays: Sending during Manila business hours (9 AM - 5 PM PHT) ensures faster processing.
- Compare total received: Don't just look at exchange rates – compare how many PHP your recipient actually gets.
When you're ready to send
Compare trusted providers and transfer money securely.
Next Steps
Learn how transfers work, compare providers, track market trends
Compliance & KYC Requirements
In accordance with Central Bank of the UAE (CBUAE) regulations and Bangko Sentral ng Pilipinas (BSP) requirements, all transfers must go through KYC-verified channels. Recipients need a valid Philippine government ID to collect cash pickups.
For transfers exceeding AED 35,000, additional documentation such as employment contract or salary certificate may be required. BSP-licensed providers ensure your transfers are compliant with Anti-Money Laundering (AMLA) regulations.