Philippines travel money guide

Money at a glance

DestinationPhilippines

CurrencyPhilippine peso

Currency codePHP

Payment styleCash friendly

Indicative MELBFX rates

PHP rate history

See how the indicative MELBFX rate for Philippines has moved, then obtain a current quote before ordering.

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Historical rates are indicative observations, not live quotes. Lock a current rate in the order calculator before purchasing.

Cash, cards and ATMs

Cash remains important for everyday spending, especially at markets, small shops, on local transport and outside major tourist areas. Carry a useful mix of notes and keep a card as backup.

ATMs may be limited or offline on smaller islands.

Tipping and everyday payments

Tipping is common; check for an included service charge.

When a card terminal offers to charge you in Australian dollars, compare the conversion carefully. Choosing the local currency usually lets your own card provider perform the conversion, but fees depend on your account.

Everyday spending

Typical Philippines price guide

Coffee$3–$6 AUDApproximately 124–247 PHP locallyCafé coffee

Local beer$4–$9 AUDApproximately 165–371 PHP locallyTypical licensed café, bar or restaurant price.

Glass of wine$6–$14 AUDApproximately 247–577 PHP locallyTypical licensed café, bar or restaurant price.

Average mid-range holiday spend per person$110–$230 AUD per dayApproximately 4,537–9,487 PHP locallyAccommodation, meals, local transport and one paid activity.

TippingFollow local customTipping is common; check for an included service charge.

Indicative August 2026 planning ranges for one adult are shown in AUD, with an approximate PHP equivalent using the current displayed MELBFX rate. The daily range allows for mid-range accommodation, meals, local transport and one paid activity; it excludes international flights and shopping. City, resort, venue and seasonal prices vary.

Useful words

A small Filipino language guide

HelloKumusta

Thank youSalamat

GoodbyePaalam

PleasePakiusap

Spelling and local usage vary, but these polite basics are a helpful starting point.

How much cash should I take?

Start with your accommodation and major bookings, then estimate cash-only spending for food, transport, markets, tips and regional travel. Split your travel funds between local cash and at least one backup payment method. Avoid carrying the entire trip budget in one place.

Before you leave

Tell your bank where and when you are travelling.
Check international purchase and ATM fees on each card.
Carry cards from more than one payment network where possible.
Keep emergency funds separate from your day-to-day wallet.
Save your bank’s international contact number offline.
Check current government travel advice before departure.

Frequently asked questions

Should I take cash to Philippines?

Cash remains important for everyday spending, especially at markets, small shops, on local transport and outside major tourist areas. Carry a useful mix of notes and keep a card as backup.

Can I order PHP before I travel?

Yes. Use the MELBFX calculator to select your foreign amount or AUD budget, lock the displayed retail rate and choose collection from Southland, Waverley Gardens or Mornington.

Which banknotes will I receive?

Choose Mix, Large or Small as your banknote preference on the review page. Preferences are subject to stock and note availability.

When should I order?

Allow enough time for payment to clear and for the selected store to prepare your order. You will receive a message when it is ready to collect.

This guide is general information, not financial advice. Payment acceptance, fees, currency controls and local customs can change. Confirm important details with official sources and visit Smartraveller for current travel advice.