Of the 6 companies we analysed, MoneyGram is the cheapest app overall for sending $4,000 to Nepal.
On a 4,000 AUD transfer it will get your recipient 429,391.6 NPR.
| 6 of 6 providers Last updated on 28 September 2026 | |||
| Based on 4,000 AUD transfer Best companies for AUD/NPR transfers | |||
| Ad  Wise Pay via Bank Transfer | Fees: $44.94 1 AUD = 107.7960 NPR -0.10% vs mid-market | Recipient gets Rs 426,340.00 Within minutes | |
Ways to receive money in Nepal with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $44.941 AUD = 107.7960 NPR Rs 426,340.00You pay$4,000.00 | |||
| Ad  Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 106.6648 NPR +0.95% vs mid-market | Recipient gets Rs 426,659.20 6-12 Hours | |
Ways to receive money in Nepal with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 106.6648 NPR Rs 426,659.20You pay$4,000.00 | |||
Run a live search Showing top Australia to Nepal deals for 4,000 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 NPR rates. | |||
Run a live search These companies offer multi-currency accounts for spending NPR. We suggest doing a live search based on how much AUD you're planning to spend in Nepal. | |||
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. | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit Card | Fees: $1.49 1 AUD = 107.3479 NPR +0.31% vs mid-market | Recipient gets Rs 429,391.60 6-12 Hours | |
Ways to receive money in Nepal with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $1.491 AUD = 107.3479 NPR Rs 429,391.60You pay$4,001.49 Mobile wallet6-12 HoursAvailable via:Select Wallets $1.991 AUD = 107.3479 NPR Rs 429,391.60You pay$4,001.99 Cash pickup6-12 Hours $6.991 AUD = 106.2036 NPR Rs 424,814.40You pay$4,006.99 | |||
| $0 fee on first online transfers MoneyGram Pay via POLi | Fees: $1.49 1 AUD = 107.3479 NPR +0.31% vs mid-market | Recipient gets Rs 429,391.60 6-12 Hours | |
Ways to receive money in Nepal with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $1.491 AUD = 107.3479 NPR Rs 429,391.60You pay$4,001.49 Mobile wallet6-12 HoursAvailable via:Select Wallets $1.991 AUD = 107.3479 NPR Rs 429,391.60You pay$4,001.99 Cash pickup6-12 Hours $6.991 AUD = 106.2036 NPR Rs 424,814.40You pay$4,006.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $62.99 1 AUD = 107.3479 NPR +0.31% vs mid-market | Recipient gets Rs 429,391.60 6-12 Hours | |
Ways to receive money in Nepal with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $62.991 AUD = 107.3479 NPR Rs 429,391.60You pay$4,062.99 Bank deposit6-12 HoursAvailable via:All Banks $62.991 AUD = 107.3479 NPR Rs 429,391.60You pay$4,062.99 Cash pickup6-12 Hours $62.991 AUD = 106.2036 NPR Rs 424,814.40You pay$4,062.99 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 AUD = 107.2611 NPR +0.39% vs mid-market | Recipient gets Rs 429,044.22 Next Day | |
Ways to receive money in Nepal with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 107.2611 NPR Rs 429,044.22You pay$4,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 AUD = 107.2611 NPR +0.39% vs mid-market | Recipient gets Rs 429,044.22 Next Day | |
Ways to receive money in Nepal with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 107.2611 NPR Rs 429,044.22You pay$4,000.00 | |||
 TapTap Send Pay via Debit Card | Fees: $0.00 1 AUD = 107.0000 NPR +0.64% vs mid-market | Recipient gets Rs 428,000.00 Minutes | |
Ways to receive money in Nepal with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AUD = 107.0000 NPR Rs 428,000.00You pay$4,000.00 Cash pickupMinutesAvailable via:City Express Cash Pickup Free1 AUD = 107.0000 NPR Rs 428,000.00You pay$4,000.00 Mobile walletMinutesAvailable via:IME Pay, Khalti by IME, PrabhuPAY, eSewa Free1 AUD = 107.0000 NPR Rs 428,000.00You pay$4,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank Transfer | Fees: $16.00 1 AUD = 107.2391 NPR +0.41% vs mid-market | Recipient gets Rs 427,240.39 Within minutes | |
Ways to receive money in Nepal with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $16.001 AUD = 107.2391 NPR Rs 427,240.39You pay$4,000.00 | |||
| 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 = 106.6648 NPR +0.95% vs mid-market | Recipient gets Rs 426,659.20 6-12 Hours | |
Ways to receive money in Nepal with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 106.6648 NPR Rs 426,659.20You pay$4,000.00 | |||
| Wise Pay via Bank Transfer | Fees: $44.94 1 AUD = 107.7960 NPR -0.10% vs mid-market | Recipient gets Rs 426,340.00 Within minutes | |
Ways to receive money in Nepal with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $44.941 AUD = 107.7960 NPR Rs 426,340.00You pay$4,000.00 | |||
| Wise Pay via Osko | Fees: $44.94 1 AUD = 107.7960 NPR -0.10% vs mid-market | Recipient gets Rs 426,340.00 Within minutes | |
Ways to receive money in Nepal with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $44.941 AUD = 107.7960 NPR Rs 426,340.00You pay$4,000.00 | |||
| Xe Pay via Debit Card | Fees: $12.00 1 AUD = 106.6648 NPR +0.95% vs mid-market | Recipient gets Rs 425,379.22 6-12 Hours | |
Ways to receive money in Nepal with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $12.001 AUD = 106.6648 NPR Rs 425,379.22You pay$4,000.00 | |||
| Wise Pay via Debit Card | Fees: $55.85 1 AUD = 107.7960 NPR -0.10% vs mid-market | Recipient gets Rs 425,164.00 Within minutes | |
Ways to receive money in Nepal with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $55.851 AUD = 107.7960 NPR Rs 425,164.00You pay$4,000.00 | |||
| Xe Pay via Credit Card | Fees: $30.00 1 AUD = 106.6648 NPR +0.95% vs mid-market | Recipient gets Rs 423,459.26 6-12 Hours | |
Ways to receive money in Nepal with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $30.001 AUD = 106.6648 NPR Rs 423,459.26You pay$4,000.00 | |||
| Wise Pay via Credit Card | Fees: $82.52 1 AUD = 107.7960 NPR -0.10% vs mid-market | Recipient gets Rs 422,289.00 Within minutes | |
Ways to receive money in Nepal with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $82.521 AUD = 107.7960 NPR Rs 422,289.00You pay$4,000.00 | |||
| How Our Results Work Mid-market rate: 1 AUD = 107.6848 NPR Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is MoneyGram at 429,391.6 NPR on $4,000.
Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.
You have 5 ways to pay, including debit card, bank transfer, credit card, poli, and osko.
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.
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).
How much AUD you send to Nepal 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | -1.65% | $0.00 | Rs 109,410.57with debit card to bank deposit | +Rs 2,394.46 | |
| $1,500 | -1.60% | $5.99 | Rs 163,380.30with bank transfer to bank deposit | +Rs 2,715.51 | |
| $2,000 | -1.59% | $5.99 | Rs 218,058.75with bank transfer to bank deposit | +Rs 3,877.83 | |
| $3,000 | 0.22% | $1.49 | Rs 322,043.70with debit card to bank deposit | +Rs 1,928.30 | |
| $4,000This page | 0.31% | $1.49 | Rs 429,391.60with debit card to bank deposit | +Rs 2,453.43 | |
| $7,500 | 0.27% | $1.49 | Rs 805,109.25with debit card to bank deposit | +Rs 4,674.34 | |
| $12,000 | 0.27% | $1.49 | Rs 1,288,174.80with debit card to bank deposit | +Rs 5,707.70 | |
| $15,000 | 0.25% | $1.49 | Rs 1,610,218.50with debit card to bank deposit | +Rs 7,156.71 | |
| $100,000 | 0.25% | $0.00 | Rs 10,734,979.49with bank transfer to bank deposit | +Rs 48,590.35 | |
| $250,000 | 0.20% | $0.00 | Rs 26,855,252.11with bank transfer to bank deposit | +Rs 137,418.33 | |
| $500,000 | 0.20% | $0.00 | Rs 53,698,741.29with bank transfer to bank deposit | +Rs 385,608.48 |
Mid-market rate: 1 AUD = 107.6848 NPR
6 money transfer companies let you send money from Australia to Nepal.
Cheapest for most transfers
Sending money online with a “self-service” provider is usually the cheapest way to send money to Nepal.
For example, sending $500 with MoneyGram will get you 429,391.6 NPR after a $1.49 fee and 0.31% 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
An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.
MoneyGram takes $1.49 in fees and 0.31% markup on a $1.49 transfer, and your NPR 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
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 0.95% on AUD/NPR, and it gets lower the more you send.
You also get an account manager for the whole thing.
For overseas business payments
Global accounts like Airwallex are great for paying suppliers, contractors or staff in NPR, handling invoices, batch payments, and more.
For receiving and spending
Multi-currency accounts let you hold AUD and NPR in one account, and convert when the rate suits you.
Revolut converts $4,000 at 0.41% markup, and the NPR sits in your account until you spend or transfer it.
Most useful if you travel often to Nepal, split your life between two countries, or receive money from abroad.
We also created a guide going into more detail about multi currency accounts.
With MoneyGram, paying by debit card and receiving through a bank deposit is the cheapest combination. Sending $4,000 gives your recipient 429,391.6 NPR.
You can fund the transfer with debit card, bank transfer, credit card, poli, and osko.
Recipients in the Nepal can collect NPR through bank deposit, mobile wallet, and cash pickup.
Your recipient can have NPR delivered to a mobile wallet, without a bank account.
Use our payout filters above to find the cheapest company offering mobile wallet withdrawals.
Receive NPR 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 MoneyGram
For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in the Nepal.
You pay $4,001.49
₨429,392
Cheapest
You pay $4,001.99
₨429,392
₨0
You pay $4,001.49
₨429,392
₨0
You pay $4,001.99
₨429,392
₨0
You pay $4,062.99
₨429,392
₨0
You pay $4,062.99
₨429,392
₨0
You pay $4,000.00
₨429,044
-₨347
You pay $4,000.00
₨428,000
-₨1,392
You pay $4,000.00
₨426,340
-₨3,052
You pay $4,006.99
₨424,814
-₨4,577
You pay $4,062.99
₨424,814
-₨4,577
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.
For an $4,000 transfer to Nepal, these are the best options right now:
Cheapest
MoneyGram is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 429,391.6 NPR, which is 0.08% more than the next best option.
Fastest
Revolut delivers 427,240.39 NPR 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 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 Nepal.
Confirm the registered business name shown by your bank before approving the PayID payment.
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.
Australia does not generally tax a genuine cash gift simply because you send it to family in Nepal.
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.
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.
Small changes in the AUD/NPR rate can make a noticeable difference to the amount received, especially on a larger transfer.
Mid-market rate:1 AUD = 107.759562 NPR
We track 6 companies sending AUD to Nepal, 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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