The Best Currency Brokers for Transfers Abroad from Australia in 2026

Current prices for an A$100,000 transfer

These companies offer the highest receive amounts in our comparison for A$100,000 transfers.

Last updated at 16/10/2026

AUD GBP

Mid Market Rate $1 = £0.5217

Transfer Amount $100,000

1

Key Currency

2

Regency FX

3

TorFx

4

Wise

They get (after fees)

Transfer fees

FX Rate

Markup

£52,069.45

$0.00

0.5207

0.20%

Visit

£52,043.37

$0.00

0.5204

0.25%

Visit

£52,027.71

$0.00

0.5203

0.28%

Visit

£52,024.40

$286.15

0.5217

0.01%

Visit

AUD USD

Mid Market Rate $1 = $0.6939

Transfer Amount $100,000

1

Key Currency

2

Regency FX

3

TorFx

4

Xe

They get (after fees)

Transfer fees

FX Rate

Markup

$69,250.22

$0.00

0.6925

0.20%

Visit

$69,215.53

$0.00

0.6922

0.25%

Visit

$69,194.71

$0.00

0.6919

0.28%

Visit

$69,193.00

$0.00

0.6919

0.29%

Visit

AUD NZD

Mid Market Rate $1 = $1.2284

Transfer Amount $100,000

1

Key Currency

2

Regency FX

3

Wise

4

TorFx

They get (after fees)

Transfer fees

FX Rate

Markup

$122,598.61

$0.00

1.2260

0.20%

Visit

$122,537.19

$0.00

1.2254

0.25%

Visit

$122,520.32

$266.74

1.2285

0.00%

Visit

$122,500.34

$0.00

1.2250

0.28%

Visit

AUD CAD

Mid Market Rate $1 = $0.9846

Transfer Amount $100,000

1

Africhange

2

Key Currency

3

Wise

4

Regency FX

They get (after fees)

Transfer fees

FX Rate

Markup

$98,470.20

$6.60

0.9847

-0.01%

Visit

$98,264.18

$0.00

0.9826

0.20%

Visit

$98,235.33

$236.90

0.9847

-0.01%

Visit

$98,214.95

$0.00

0.9821

0.25%

Visit

Rates change constantly, so these options update automatically each week to help you get the best deal.

Which currency broker should you use?

In my opinion, the brokers below are the best options in Australia.

Continuing account manager and online access

9.0

TorFx

Fees

None

Exchange Rate Markup

0.4% - 1.5%

Transfer Speed

Minutes - 24 hours

Visit

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

24/7 support and personal forwards

8.5

OFX

Fees

None

Exchange Rate Markup

0.4% - 1.5%

Transfer Speed

Minutes - 24 hours

Visit

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Talking through exchange timing

8.6

Key Currency

Fees

None

Exchange Rate Markup

0.2% - 2%

Transfer Speed

Minutes - 3 days

Visit

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Manager support with an app

8.9

Currencies Direct

Fees

None

Exchange Rate Markup

0.2% - 2%

Transfer Speed

Minutes - 24 hours

Visit

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Managed and recurring payments

8.5

Regency FX

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

Minutes - 24 hours

Visit

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Larger personal transfers online

8.6

Xe

Fees

$1.99 - $2.99

Exchange Rate Markup

0.3% - 2.1%

Transfer Speed

Minutes - 24 hours

Visit

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Australia-to-UK payments by phone

8.1

Cambridge Currencies

Fees

No fees

Exchange Rate Markup

0.5% - 1.2%

Transfer Speed

0-5 days

Visit

"Cambridge Currencies is a boutique UK-based currency broker helping clients send funds globally. Expect personable service & competitive rates from this new industry entrant."

Property coordination and own-name accounts

8.9

Fiberpay

Fees

None

Exchange Rate Markup

Variable

Transfer Speed

Minutes - 24 hours

Visit

"Fiberpay offers tailored currency solutions to high and ultra high net worth clients, including 100+ currencies, a multi-currency account with IBAN, and smart FX risk mitigation offerings."

TorFX for a manager you can keep using

TorFX fits a move to New Zealand where you need help with the initial savings transfer and smaller payments afterwards.

Having the same contact can make those later conversations easier, especially when the recipient or payment date changes.

TorFX charges no transfer fee, so its exchange-rate margin drives the cost shown below, with intermediary or receiving-bank charges still possible.

At A$100,000, you arrange the exchange with your manager, so the quoted price comes with a conversation about the payment.

I like that continuing contact, although Xe gives you considerably more room to book a substantial transfer online without calling.

OFX for 24/7 support and personal forwards

OFX deserves a closer look when an overseas recipient may need an update while you are outside Australian working hours.

For a confirmed future purchase, its personal forward also lets you organise the currency cost before the balance becomes due.

Forwards typically start at A$10,000, although lower amounts may be considered, and the deposit depends on the agreed contract.

At A$100,000, OFX charges no transaction fee, leaving the exchange-rate margin as the main price difference across these destinations.

Smaller follow-up payments change that calculation because OFX charges A$15 below A$10,000, even after a larger initial transfer.

Send Payments also starts at A$250 and charges no transfer fee, making its full quote worth comparing for those smaller payments.

The support and planning tools appeal to me, but ordinary transfer money is not held separately, unlike the client trust accounts used by TorFX.

Key Currency for talking through the rate

Key Currency suits a payment with a firm deadline when you want someone to discuss the exchange timing before you commit.

The manager can monitor your chosen rate, while regular payments can cover a pension, mortgage or overseas living costs.

Use the A$100,000 recipient amounts below to assess the price of that phone-led service before agreeing the exchange with your manager.

I like the distinction between being alerted to a rate and instructing Key to buy your currency when that target is reached.

For a property payment, I suggest settling that instruction early, because a limit order can create a commitment without another discussion.

If you want to make routine transfers entirely through an app, Currencies Direct or Xe gives you more direct digital control.

Currencies Direct for a manager and an app

Currencies Direct fits a move abroad where the first transfer needs discussion, but later payments should take less work.

You can arrange those later transfers digitally while retaining account-manager help when a payment becomes more complicated.

Most Currencies Direct transfers have no separate fee, so these A$100,000 results show how its exchange-rate margin affects the recipient amount.

I like having both ways to use the account, particularly when an initial property payment turns into regular transfers for living expenses.

The forward-deposit exclusion is a separate trade-off, because money committed to that contract does not have the same safeguarding as relevant wallet funds.

For a company payment, use its business service and obtain a separate quote, rather than applying these personal-transfer figures to supplier costs.

Regency FX for managed recurring payments

Regency FX suits a larger payment followed by regular expenses, with an account manager helping organise the currency exchange.

That can keep a pension transfer, mortgage payment or overseas living budget within the same service after the first lump sum.

The A$100,000 quotes include Regency’s exchange-rate margin, giving you a cost for the initial payment before arranging any recurring transfers.

I think Regency is more appealing when you expect to keep discussing payments than when your priority is booking large amounts entirely through an app.

For recurring expenses, agree the amount and payment dates with the manager, rather than assuming the initial lump-sum quote establishes the price of every later transfer.

Its portal gives you access to transfer activity, while the account agreement identifies the payment partner responsible for handling your funds.

Xe for larger transfers online

Xe gives you more room to arrange a substantial transfer digitally than TorFX, which moves larger payments to an account-manager conversation.

That suits you if the recipient details are settled and you want to handle the booking yourself.

These A$100,000 quotes sit within Xe’s personal online allowance, so you can assess the price for a transfer arranged through its website or app.

For Australian bank funding, supported Osko payments use Xe’s BSB and account number rather than a PayID phone number or email address.

Your bank’s funding limit still applies, so the online allowance does not remove the need to organise access to the money.

I would not choose a personal account here specifically for a forward contract, because Xe’s Australian documentation is aimed at businesses.

Cambridge Currencies for a UK payment by phone

Cambridge Currencies suits a planned Australia-to-UK payment that you want to discuss by phone, particularly for property or education.

Its AUD-to-GBP forward gives you a longer planning period than OFX’s Australian personal forward, which can help with a payment due further ahead.

Cambridge charges no transfer fee, but your total cost includes its quoted exchange rate and the Australian bank’s international AUD wire charges.

The overseas funding step also needs time before conversion, making it a larger consideration when a UK property completion has a fixed deadline.

I think the longer forward term deserves a conversation for that kind of purchase, provided the funding arrangements fit your payment dates.

Fiberpay for own-name accounts and property coordination

Fiberpay fits a property transaction where money needs to arrive in an own-name account before the next payment is ready.

The team can coordinate with lawyers and estate agents, which helps when several people need consistent information about the same funds.

Ask for the conversion quote and account charges together, including any holding cost while sale proceeds wait for the next property payment.

I like that coordination when a sale and purchase overlap, although a straightforward transfer may need little beyond an immediate quote.

The company providing the account determines its protection arrangement, so identify the payment partner in your agreement before directing sale proceeds there.

Are currency brokers safe to use in Australia?

Money protection depends on the account and the company holding the funds, including whether customer money is kept separately.

For an Australian account, check the contracting company, its Australian Financial Services Licence where applicable, and the complaints process.

AUSTRAC registration concerns anti-money-laundering obligations, while an ASIC licence covers specified financial services, so the two registrations do different jobs.

The Financial Claims Scheme covers eligible Australian-dollar bank deposits up to A$250,000 per account holder per authorised deposit-taking institution.

It does not cover an ordinary non-bank currency-transfer balance, and foreign-currency deposits are outside the scheme even when held at a bank.

Segregated or safeguarded client accounts help separate customer money from operating funds, but they do not create the same deposit guarantee.

Protection can also differ within one company, with Currencies Direct’s forward deposits and margin calls excluded from safeguarding until released into the wallet after settlement.

For an overseas broker using payment partners, identify who provides the account and who handles a complaint before sending the money.

I suggest confirming payment instructions through the broker’s established contact details, especially if an email changes the account you are asked to fund.

A currency broker, your bank or a self-service transfer?

TorFX gives you an account manager, Wise centres the transfer on its online account, and NAB keeps the payment within your existing banking.

A$100,000 is within Wise’s bank-funded AUD allowance, so a substantial amount alone does not require a broker.

NAB charges no transfer fee for foreign-currency payments through its app or internet banking, while its exchange rate still affects what arrives.

Its default international daily limit is A$5,000, so discuss a higher limit before booking, or account for the A$30 branch-transfer fee.

The comparison below uses the same A$100,000 payment to show how those three options price transfers to the UK and US.

Last updated at 16/10/2026

AUD GBP

Mid Market Rate $1 = £0.5217

Transfer Amount $100,000

1

TorFx

2

Wise

They get (after fees)

Transfer fees

FX Rate

Markup

£52,027.71

$0.00

0.5203

0.28%

Visit

£52,024.40

$286.15

0.5217

0.01%

Visit

AUD USD

Mid Market Rate $1 = $0.6939

Transfer Amount $100,000

1

TorFx

2

Wise

They get (after fees)

Transfer fees

FX Rate

Markup

$69,194.71

$0.00

0.6919

0.28%

Visit

$69,192.78

$277.03

0.6938

0.01%

Visit

On A$100,000, a 0.5-percentage-point difference in conversion cost equals A$500, giving you a reason to compare beyond the sending fee.

I think a broker adds most when someone needs to explain a currency contract or help coordinate the payment with you.

If you already have the recipient details and want to book online, Wise or your bank can still be the better service fit.

When is a currency broker worth using?

I'd say consider a broker for transfers around US$25,000 or the AUD equivalent, especially if your payment has a fixed deadline or several stages.

An account manager can help organise the conversion around the payment, including situations such as:

• Buying a home in the UK with a deposit and later completion payment.

• Moving savings to New Zealand before relocating, then making smaller follow-up transfers.

• Paying foreign university fees across several terms, with dates and amounts already agreed.

• Sending pension or living-cost payments after moving abroad.

• Paying an overseas supplier through an appropriate account for international business transfers from Australia.

I have spoken with broker account managers personally and found them knowledgeable, which is why I value that conversation for a complicated transfer.

For smaller, straightforward payments, the best money transfer companies in Australia give you more online and recipient-delivery options.

Understand the currency tool before choosing the broker

Choose the tool around your payment deadline and the commitment you can make when agreeing an exchange rate.

For example, a confirmed UK property purchase may suit a forward when fixing the AUD cost helps you budget for completion.

A forward can require a deposit and additional payments, while cancelling it can leave you owing money.

Australian personal availability varies, with OFX offering approved forwards up to 12 months and Cambridge’s AUD-to-GBP service extending to 24 months.

Xe’s Australian forward-contract documentation is for businesses, so do not assume every currency tool is available through a personal account.

Allow time for the bank and document arrangements when transferring large sums of money internationally from Australia, especially if the recipient has a fixed deadline.

I suggest comparing the full recipient amount before choosing a broker for your payment from Australia.