Manila Airport (NAIA) Currency Exchange: Complete Guide
Important: NAIA Has Four Separate Terminals
Unlike single-terminal airports, Manila's Ninoy Aquino International Airport (NAIA) has four physically separate terminals, and currency exchange facilities differ meaningfully between them. Because the terminals are physically separate — you can't just walk between them — always confirm which terminal your flight uses before planning where to exchange money.
Which terminal is my flight in?
| Terminal | Primary use | Major airlines |
|---|---|---|
| Terminal 1 | Budget & select full-service international | Philippine Airlines (Int'l), AirAsia (Int'l), Malaysia Airlines, Eva Air, Korean Air |
| Terminal 2 | Mainly domestic | Philippine Airlines (Domestic), Cebu Pacific (Domestic, partial) |
| Terminal 3 | All-international, full-service | Cathay Pacific, Singapore Airlines, Emirates, Qatar Airways, Delta, United, Japan Airlines, Air China, China Eastern, Vietnam Airlines, Royal Brunei |
| Terminal 4 | Low-cost domestic | AirAsia Philippines (Domestic), Cebu Pacific (Domestic, partial) |
Since most international arrivals land at Terminal 1 or Terminal 3, that's where the bulk of currency exchange options below matter most.
Terminal 1 (International)
LandBank (Land Bank of the Philippines) operates at Terminal 1, Level 2, West Side Arrival Area, with hours 08:30–15:00.
Terminal 3 (busiest, all-international)
BDO and LandBank both operate counters here, with one independent 2025 comparison finding BDO competitive on several currencies that day (e.g., EUR rates around 63.70 PHP vs. LandBank's ~60.35 PHP) — treat this as a snapshot rather than a permanent ranking, and compare the posted rate yourself on the day.
Bank of Commerce (BankCom) operates a self-service currency exchange kiosk in the Terminal 3 Arrivals area — the first of its kind at the airport, handling USD, EUR, JPY, and KRW conversions to PHP without a teller queue.
Multiple money-changer stalls also operate in the Arrival Lobby of Terminal 3 alongside the bank counters.
Terminal 2 (mainly domestic)
Since Terminal 2 handles mostly domestic flights, it's less relevant if you're arriving internationally — but Lulu Money lists a Terminal 2 address on their own site (hours 06:00–22:00) if you do land or connect there.
Practical Tips
- Check your terminal before you fly — NAIA's website and your airline confirmation will state Terminal 1, 2, or 3, and this determines which currency options actually apply to you.
- At Terminal 3, compare a bank counter (BDO/LandBank) against the BankCom self-service kiosk and private money changers — rates shift, so check the board on the day rather than assuming one is always cheaper.
- Cash is still essential in Manila — taxis, shuttle buses, and many small vendors expect cash, so plan to exchange or withdraw before leaving the terminal.
FAQ
Which NAIA terminal has the best currency exchange rates?
One independent 2025 comparison found bank counters (BDO, LandBank) at Terminal 3 competitive against private money changers for several currencies — but treat this as a snapshot rather than a permanent ranking, and compare posted rates on the day.
Are there ATMs at all NAIA terminals?
Yes, ATMs are present across NAIA's terminals, though specific bank coverage varies by terminal.
Which terminal do most international travelers use?
Terminal 3 handles the largest share of international full-service carriers, with Terminal 1 covering budget and select other international routes. Terminal 2 is mainly domestic.
Need mobile data too?
Sorting out currency is only half the "landing prepared" checklist — most travelers also need mobile data the moment they touch down, for maps, ride-hailing apps, and checking in with home. Rather than pushing one option, here are three eSIM providers worth comparing before your trip:
- Roamable — travel eSIM plans covering most major destinations
- Strong eSIM — global digital SIM, 190+ countries
- BitJoy — travel eSIM with flexible plans and crypto payment options
As with currency exchange, rates and coverage vary — worth a quick compare based on your destination and how much data you'll actually need.
Affiliate disclosure: JesTiny Guide may earn a commission if you use a pre-booking link through one of our partner counters, at no extra cost to you. This helps keep the site free and independently run. Rates shown are indicative and sourced from live currency APIs — always confirm the final rate at the counter before exchanging.
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