Best companies for AUD/USD transfers
10 of 10 providers Last updated on 28 September 2026
Based on 2,000 AUD transfer Best companies for AUD/USD transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $8.44 1 AUD = 0.7017 USD 0.00% vs mid-market	Recipient gets $1,397.58 Within 3 hours
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Ecuador with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $8.441 AUD = 0.7017 USD $1,397.58You pay$2,000.00
Ad MoneyGram Pay via Debit Card	Fees: $2.99 1 AUD = 0.6883 USD +1.94% vs mid-market	Recipient gets $1,376.60 6-12 Hours
2 reviews
Ways to receive money in Ecuador with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 0.6883 USD $1,376.60You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 0.6883 USD $1,376.60You pay$2,003.99
Run a live search Showing top Australia to Ecuador deals for 2,000 AUD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live AUD to USD rates.
Run a live search These companies offer multi-currency accounts for spending USD. We suggest doing a live search based on how much AUD you're planning to spend in Ecuador.
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal.
Ria Money Transfer Pay via Credit Card	Fees: $2.89 1 AUD = 0.7050 USD -0.46% vs mid-market	Recipient gets $1,407.96 6-12 Hours
0 reviews Cheapest
Ways to receive money in Ecuador with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 0.7050 USD $1,407.96You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 0.7014 USD $1,400.77You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 0.7014 USD $1,400.77You pay$2,000.00

Ria Money Transfer Pay via Debit Card	Fees: $2.89 1 AUD = 0.7050 USD -0.46% vs mid-market	Recipient gets $1,407.96 6-12 Hours
0 reviews
Ways to receive money in Ecuador with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 0.7050 USD $1,407.96You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 0.7014 USD $1,400.77You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 0.7014 USD $1,400.77You pay$2,000.00
Ria Money Transfer Pay via PayID	Fees: $2.89 1 AUD = 0.7050 USD -0.46% vs mid-market	Recipient gets $1,407.96 6-12 Hours
0 reviews
Ways to receive money in Ecuador with Ria Money Transfer when paying by payid. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 0.7050 USD $1,407.96You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 0.7014 USD $1,400.77You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 0.7014 USD $1,400.77You pay$2,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank Transfer	Fees: $3.00 1 AUD = 0.7009 USD +0.13% vs mid-market	Recipient gets $1,399.68 Within minutes
10 reviews Fastest Receive to bank account
Ways to receive money in Ecuador with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $3.001 AUD = 0.7009 USD $1,399.68You pay$2,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.6995 USD +0.33% vs mid-market	Recipient gets $1,399.08 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Ecuador with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.6995 USD $1,399.08You pay$2,000.00
Wise Pay via Bank Transfer	Fees: $8.44 1 AUD = 0.7017 USD 0.00% vs mid-market	Recipient gets $1,397.58 Within 3 hours
25 reviews Recommended Receive to bank accountDedicated support for large transfers
Ways to receive money in Ecuador with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $8.441 AUD = 0.7017 USD $1,397.58You pay$2,000.00

Wise Pay via Osko	Fees: $8.44 1 AUD = 0.7017 USD 0.00% vs mid-market	Recipient gets $1,397.58 Within 3 hours
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Ecuador with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $8.441 AUD = 0.7017 USD $1,397.58You pay$2,000.00
Xe Pay via Debit Card	Fees: $6.00 1 AUD = 0.6995 USD +0.33% vs mid-market	Recipient gets $1,394.88 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Ecuador with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $6.001 AUD = 0.6995 USD $1,394.88You pay$2,000.00
Wise Pay via Debit Card	Fees: $13.98 1 AUD = 0.7017 USD 0.00% vs mid-market	Recipient gets $1,393.69 Within 3 hours
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Ecuador with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $13.981 AUD = 0.7017 USD $1,393.69You pay$2,000.00
Xe Pay via Credit Card	Fees: $15.00 1 AUD = 0.6995 USD +0.33% vs mid-market	Recipient gets $1,388.59 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Ecuador with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $15.001 AUD = 0.6995 USD $1,388.59You pay$2,000.00
Instarem Pay via Debit Card	Fees: $24.00 1 AUD = 0.7016 USD +0.03% vs mid-market	Recipient gets $1,386.36 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in Ecuador with Instarem when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $24.001 AUD = 0.7016 USD $1,386.36You pay$2,000.00

Instarem Pay via Credit Card	Fees: $24.00 1 AUD = 0.7016 USD +0.03% vs mid-market	Recipient gets $1,386.36 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in Ecuador with Instarem when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $24.001 AUD = 0.7016 USD $1,386.36You pay$2,000.00
Wise Pay via Credit Card	Fees: $27.51 1 AUD = 0.7017 USD 0.00% vs mid-market	Recipient gets $1,384.19 Within 3 hours
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Ecuador with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $27.511 AUD = 0.7017 USD $1,384.19You pay$2,000.00
TapTap Send Pay via Debit Card	Fees: $0.00 1 AUD = 0.6900 USD +1.69% vs mid-market	Recipient gets $1,380.00 Minutes
0 reviews Receive to bank account
Ways to receive money in Ecuador with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AUD = 0.6900 USD $1,380.00You pay$2,000.00 Cash pickupMinutesAvailable via:Delgado Cash Pickup, Easypagos Cash Pickup, Global Envios Cash Pickup Free1 AUD = 0.6900 USD $1,380.00You pay$2,000.00 Card depositMinutesAvailable via:Pay To Card $2.781 AUD = 0.6900 USD $1,380.00You pay$2,002.78
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $2.99 1 AUD = 0.6883 USD +1.94% vs mid-market	Recipient gets $1,376.60 6-12 Hours
2 reviews
Ways to receive money in Ecuador with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 0.6883 USD $1,376.60You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 0.6883 USD $1,376.60You pay$2,003.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $2.99 1 AUD = 0.6883 USD +1.94% vs mid-market	Recipient gets $1,376.60 6-12 Hours
2 reviews
Ways to receive money in Ecuador with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 0.6883 USD $1,376.60You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 0.6883 USD $1,376.60You pay$2,003.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $32.99 1 AUD = 0.6883 USD +1.94% vs mid-market	Recipient gets $1,376.60 6-12 Hours
2 reviews
Ways to receive money in Ecuador with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $32.991 AUD = 0.6883 USD $1,376.60You pay$2,032.99 Cash pickup6-12 Hours $32.991 AUD = 0.6883 USD $1,376.60You pay$2,032.99
Remitly Pay via Debit Card	Fees: $5.99 1 AUD = 0.6814 USD +2.95% vs mid-market	Recipient gets $1,362.80 2 Days
15 reviews Receive to bank account or cash pickup
Ways to receive money in Ecuador with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days $5.991 AUD = 0.6814 USD $1,362.80You pay$2,005.99

Remitly Pay via Credit Card	Fees: $26.04 1 AUD = 0.6814 USD +2.95% vs mid-market	Recipient gets $1,362.80 2 Days
15 reviews Receive to bank account or cash pickup
Ways to receive money in Ecuador with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $26.041 AUD = 0.6814 USD $1,362.80You pay$2,026.04
Remitly Pay via PayTo	Fees: $3.99 1 AUD = 0.6814 USD +2.95% vs mid-market	Recipient gets $1,362.80 2 Days
15 reviews Receive to bank account or cash pickup
Ways to receive money in Ecuador with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank deposit2 Days $3.991 AUD = 0.6814 USD $1,362.80You pay$2,003.99
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.6807 USD +3.05% vs mid-market	Recipient gets $1,361.42 3-5 Days
0 reviews
Ways to receive money in Ecuador with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 0.6807 USD $1,361.42You pay$2,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 0.6767 USD +3.64% vs mid-market	Recipient gets $1,353.44 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Ecuador with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 0.6767 USD $1,353.44You pay$2,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.6767 USD +3.64% vs mid-market	Recipient gets $1,353.44 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Ecuador with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 0.6767 USD $1,353.44You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 0.7018 USD Updates every 60 minutes.

Why compare

AUD/USD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to Ecuador

Pick a company

Start with the cheapest, which is Ria Money Transfer at 1,407.96 USD on $2,000.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 7 ways to pay, including debit card, credit card, bank transfer, payid, osko, poli, and payto.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to Ecuador?

How much AUD you send to Ecuador heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.


$1,000	-0.44%	$2.89	$702.96with credit card to bank deposit	+$10.99
$1,500	-0.44%	$2.89	$1,055.46with credit card to bank deposit	+$18.31
$2,000This page	-0.46%	$2.89	$1,407.96with credit card to bank deposit	+$24.55
$3,000	0.05%	$11.83	$2,095.90with bank transfer to bank deposit	+$23.92
$7,500	0.31%	$0.00	$5,246.17with bank transfer to bank deposit	+$52.33
$12,000	0.27%	$0.00	$8,397.55with bank transfer to bank deposit	+$61.67
$15,000	0.27%	$0.00	$10,497.38with bank transfer to bank deposit	+$76.66
$100,000	0.25%	$0.00	$69,998.57with bank transfer to bank deposit	+$568.08
$250,000	0.20%	$0.00	$175,071.66with bank transfer to bank deposit	+$1,473.67
$500,000	0.20%	$0.00	$350,048.50with bank transfer to bank deposit	+$1,601.52

Mid-market rate: 1 AUD = 0.7018 USD

Ways to send money from Australia to Ecuador

10 money transfer companies let you send money from Australia to Ecuador.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to Ecuador.

For example, sending $500 with Ria Money Transfer will get you 1,407.96 USD after a $2.89 fee and -0.46% markup.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Ria Money Transfer takes $2.89 in fees and -0.46% markup on a $2.89 transfer, and your USD arrives in 6-12 hours.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like Xe drops the fee entirely and works on margin instead.

With Xe you get 0.33% on AUD/USD, and it gets lower the more you send.

You also get an account manager for the whole thing.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in USD, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and USD in one account, and convert when the rate suits you.

Revolut converts $2,000 at 0.13% markup, and the USD sits in your account until you spend or transfer it.

Most useful if you travel often to Ecuador, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a $2,000 transfer, a bank like NAB adds 3.05% markup and delivers 1,361.42 USD, against 1,407.96 USD via Ria Money Transfer (the cheapest option).

Ways to fund AUD and receive money in Ecuador

With Ria Money Transfer, paying by credit card and receiving through a bank deposit is the cheapest combination. Sending $2,000 gives your recipient 1,407.96 USD.

You can fund the transfer with debit card, credit card, bank transfer, payid, osko, poli, and payto.

You can pay with payid

Use the PayID supplied by the company and confirm the recipient name shown by your Australian bank before approving the payment.

Recipients in the Ecuador can collect USD through bank deposit, cash pickup, mobile wallet, and card deposit.

Your recipient can have USD delivered to a mobile wallet, without a bank account.

Use our payout filters above to find the cheapest company offering mobile wallet withdrawals.

Receive USD in a mobile wallet

Use the mobile number registered to the recipient's supported wallet. A wrong digit can send the money to a different account.

They can collect cash via Ria Money Transfer

For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in the Ecuador.

1

Debit card Bank deposit

You pay $2,000.00

$1,408

Cheapest
2

Credit card Bank deposit

You pay $2,000.00

$1,408

$0
3

Payid Bank deposit

You pay $2,000.00

$1,408

$0
4

Debit card Cash pickup

You pay $2,000.00

$1,401

-$7
5

Debit card Mobile wallet

You pay $2,000.00

$1,401

-$7

Show moreShow less

6

Credit card Cash pickup

You pay $2,000.00

$1,401

-$7
7

Credit card Mobile wallet

You pay $2,000.00

$1,401

-$7
8

Payid Mobile wallet

You pay $2,000.00

$1,401

-$7
9

Payid Cash pickup

You pay $2,000.00

$1,401

-$7
10

Bank transfer Bank deposit

You pay $2,000.00

$1,400

-$8
11

Osko Bank deposit

You pay $2,000.00

$1,398

-$10
12

Debit card Card deposit

You pay $2,002.78

$1,380

-$28
13

Poli Bank deposit

You pay $2,002.99

$1,377

-$31
14

Poli Cash pickup

You pay $2,003.99

$1,377

-$31
15

Payto Bank deposit

You pay $2,003.99

$1,363

-$45

Consider this before sending AUD to India

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/INR transfer options

For an $2,000 transfer to Ecuador, these are the best options right now:

Cheapest

Ria Money Transfer is cheapest when funded by credit card with bank deposit for the payout. Your recipient gets 1,407.96 USD, which is 0.59% more than the next best option.

Fastest

Revolut delivers 1,399.68 USD in within minutes when you use bank transfer and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in Ecuador.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in Ecuador.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

Live AUD-USD Exchange Rate

Getting a better AUD to USD rate

Small changes in the AUD/USD rate can make a noticeable difference to the amount received, especially on a larger transfer.

Mid-market rate:1 AUD = 0.7021 USD

How we analyse the market

We track 10 companies sending AUD to Ecuador, all holding an Australian licence, with rates refreshed in real time when running a live search.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

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How to send money to Ecuador from Australia with the best AUD-USD rate

Best companies for AUD/USD transfers