How to send money to Nepal from Australia with the best AUD-NPR rate

Of the 7 companies we analysed, Remitly is the cheapest app overall for sending A$4,000 to Nepal, giving your recipient 414,560 NPR.

Best companies for AUD/NPR transfers

7 of 7 providers

Last updated on 10 November 2026

Based on 4,000 AUD transfer

Best companies for AUD/NPR transfers

Sort Cheapest
Ad

Wise

Pay via Bank Transfer
Fees: $60.90 1 AUD = 104.0790 NPR -0.34% vs mid-market Recipient gets Rs 409,978.00 Within minutes
Receive to bank accountDedicated support for large transfers

Ways to receive money in Nepal with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$60.901 AUD = 104.0790 NPR
Rs 409,978.00You pay$4,000.00
Ad

Xe

Pay via Debit Card
Fees: $0.00 1 AUD = 103.1157 NPR +0.59% vs mid-market Recipient gets Rs 412,462.80 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in Nepal with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 103.1157 NPR
Rs 412,462.80You 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.

Remitly

Pay via Bank Transfer
Fees: $0.00 1 AUD = 103.6400 NPR +0.08% vs mid-market Recipient gets Rs 414,560.00 Within a week
Cheapest
Receive to bank account or cash pickup

Ways to receive money in Nepal with Remitly when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 AUD = 103.6400 NPR
Rs 414,560.00You pay$4,000.00
Mobile walletWithin a week
Free1 AUD = 103.6400 NPR
Rs 414,560.00You pay$4,000.00
Cash pickupWithin a week
Free1 AUD = 103.6400 NPR
Rs 414,560.00You pay$4,000.00

Remitly

Pay via PayTo
Fees: $0.00 1 AUD = 103.6400 NPR +0.08% vs mid-market Recipient gets Rs 414,560.00 Within a week
Receive to bank account or cash pickup

Ways to receive money in Nepal with Remitly when paying by payto.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 AUD = 103.6400 NPR
Rs 414,560.00You pay$4,000.00
Mobile walletWithin a week
Free1 AUD = 103.6400 NPR
Rs 414,560.00You pay$4,000.00
Cash pickupWithin a week
Free1 AUD = 103.6400 NPR
Rs 414,560.00You pay$4,000.00

Western Union

Pay via Debit Card
Fees: $0.00 1 AUD = 103.6125 NPR +0.11% vs mid-market Recipient gets Rs 414,450.15 Next Day
Receive to bank account or cash pickup

Ways to receive money in Nepal with Western Union when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 AUD = 103.6125 NPR
Rs 414,450.15You pay$4,000.00

Western Union

Pay via Bank Transfer
Fees: $0.00 1 AUD = 103.6125 NPR +0.11% vs mid-market Recipient gets Rs 414,450.15 Next Day
Receive to bank account or cash pickup

Ways to receive money in Nepal with Western Union when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 AUD = 103.6125 NPR
Rs 414,450.15You pay$4,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit Card
Fees: $1.99 1 AUD = 103.3883 NPR +0.33% vs mid-market Recipient gets Rs 413,553.20 6-12 Hours

Ways to receive money in Nepal with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Mobile wallet6-12 HoursAvailable via:Select Wallets
$1.991 AUD = 103.3883 NPR
Rs 413,553.20You pay$4,001.99
Bank deposit6-12 HoursAvailable via:All Banks
$0.991 AUD = 102.9337 NPR
Rs 411,734.80You pay$4,000.99
Cash pickup6-12 Hours
$6.991 AUD = 101.8633 NPR
Rs 407,453.20You pay$4,006.99
$0 fee on first online transfers

MoneyGram

Pay via POLi
Fees: $1.99 1 AUD = 103.3883 NPR +0.33% vs mid-market Recipient gets Rs 413,553.20 6-12 Hours

Ways to receive money in Nepal with MoneyGram when paying by poli.

MethodFee & ratesRecipient gets
Mobile wallet6-12 HoursAvailable via:Select Wallets
$1.991 AUD = 103.3883 NPR
Rs 413,553.20You pay$4,001.99
Bank deposit6-12 HoursAvailable via:All Banks
$0.991 AUD = 102.9337 NPR
Rs 411,734.80You pay$4,000.99
Cash pickup6-12 Hours
$6.991 AUD = 101.8633 NPR
Rs 407,453.20You pay$4,006.99
$0 fee on first online transfers

MoneyGram

Pay via Credit Card
Fees: $1.99 1 AUD = 103.3883 NPR +0.33% vs mid-market Recipient gets Rs 413,553.20 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
$1.991 AUD = 103.3883 NPR
Rs 413,553.20You pay$4,001.99
Bank deposit6-12 HoursAvailable via:All Banks
$0.991 AUD = 102.9337 NPR
Rs 411,734.80You pay$4,000.99
Cash pickup6-12 Hours
$6.991 AUD = 101.8633 NPR
Rs 407,453.20You pay$4,006.99

Remitly

Pay via Debit Card
Fees: $0.00 1 AUD = 103.2200 NPR +0.49% vs mid-market Recipient gets Rs 412,880.00 Within a week
Receive to bank account or cash pickup

Ways to receive money in Nepal with Remitly when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 AUD = 103.2200 NPR
Rs 412,880.00You pay$4,000.00
Mobile walletWithin a week
Free1 AUD = 103.2200 NPR
Rs 412,880.00You pay$4,000.00
Cash pickupWithin a week
Free1 AUD = 103.2200 NPR
Rs 412,880.00You pay$4,000.00

Remitly

Pay via Credit Card
Fees: $0.00 1 AUD = 103.2200 NPR +0.49% vs mid-market Recipient gets Rs 412,880.00 Within a week
Receive to bank account or cash pickup

Ways to receive money in Nepal with Remitly when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 AUD = 103.2200 NPR
Rs 412,880.00You pay$4,000.00
Mobile walletWithin a week
Free1 AUD = 103.2200 NPR
Rs 412,880.00You pay$4,000.00
Cash pickupWithin a week
Free1 AUD = 103.2200 NPR
Rs 412,880.00You pay$4,000.00

Xe

Pay via Debit Card
Fees: $0.00 1 AUD = 103.1157 NPR +0.59% vs mid-market Recipient gets Rs 412,462.80 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in Nepal with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 103.1157 NPR
Rs 412,462.80You pay$4,000.00

Xe

Pay via Bank Transfer
Fees: $0.00 1 AUD = 103.1157 NPR +0.59% vs mid-market Recipient gets Rs 412,462.80 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in Nepal with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 103.1157 NPR
Rs 412,462.80You pay$4,000.00

Xe

Pay via Credit Card
Fees: $0.00 1 AUD = 103.1157 NPR +0.59% vs mid-market Recipient gets Rs 412,462.80 6-12 Hours
Receive to bank accountDedicated support for larger transactions

Ways to receive money in Nepal with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 AUD = 103.1157 NPR
Rs 412,462.80You pay$4,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank Transfer
Fees: $16.00 1 AUD = 103.4635 NPR +0.25% vs mid-market Recipient gets Rs 412,198.46 Within minutes
Fastest
Receive to bank account

Ways to receive money in Nepal with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
$16.001 AUD = 103.4635 NPR
Rs 412,198.46You 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.

Wise

Pay via Bank Transfer
Fees: $60.90 1 AUD = 104.0790 NPR -0.34% vs mid-market Recipient gets Rs 409,978.00 Within minutes
Our top pick
Receive to bank accountDedicated support for large transfers

Ways to receive money in Nepal with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$60.901 AUD = 104.0790 NPR
Rs 409,978.00You pay$4,000.00

Wise

Pay via Osko
Fees: $60.90 1 AUD = 104.0790 NPR -0.34% vs mid-market Recipient gets Rs 409,978.00 Within minutes
Receive to bank accountDedicated support for large transfers

Ways to receive money in Nepal with Wise when paying by osko.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$60.901 AUD = 104.0790 NPR
Rs 409,978.00You pay$4,000.00

TapTap Send

Pay via Debit Card
Fees: $0.00 1 AUD = 102.3500 NPR +1.34% vs mid-market Recipient gets Rs 409,400.00 Minutes
Receive to bank account

Ways to receive money in Nepal with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 AUD = 102.3500 NPR
Rs 409,400.00You pay$4,000.00
Cash pickupMinutesAvailable via:City Express Cash Pickup
Free1 AUD = 102.3500 NPR
Rs 409,400.00You pay$4,000.00
Mobile walletMinutesAvailable via:IME Pay, Khalti by IME, PrabhuPAY, eSewa
Free1 AUD = 102.3500 NPR
Rs 409,400.00You pay$4,000.00

Wise

Pay via Debit Card
Fees: $71.75 1 AUD = 104.0790 NPR -0.34% vs mid-market Recipient gets Rs 408,848.00 Within minutes
Receive to bank accountDedicated support for large transfers

Ways to receive money in Nepal with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$71.751 AUD = 104.0790 NPR
Rs 408,848.00You pay$4,000.00

Wise

Pay via Credit Card
Fees: $98.20 1 AUD = 104.0790 NPR -0.34% vs mid-market Recipient gets Rs 406,095.00 Within minutes
Receive to bank accountDedicated support for large transfers

Ways to receive money in Nepal with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$98.201 AUD = 104.0790 NPR
Rs 406,095.00You pay$4,000.00
How Our Results Work
Mid-market rate: 1 AUD = 103.7275 NPR Updates every 60 minutes.

How to send money from Australia to Nepal

Pick a company

Start with the cheapest, which is Remitly at 414,560 NPR on A$4,000.

Remitly was the cheapest on 16 of the 30 days it quoted A$4,000 transfers to Nepal.

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 6 ways to pay, including debit card, bank transfer, credit card, PayTo, 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.

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 Nepal?

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.

Our analysis shows Remitly was the cheapest in 65% of the transfers up to A$2,000 it quoted, and in 66% of all the transfers it quoted.

Cheapest service
$1,000-1.36%$0.00Rs 105,180.00with bank transfer to bank deposit+Rs 1,673.43
$1,500-0.99%$2.89Rs 156,890.69with credit card to bank deposit+Rs 1,793.19
$2,000-1.02%$2.89Rs 209,288.54with credit card to bank deposit+Rs 2,661.38
$3,000-0.08%$0.00Rs 311,160.00with bank transfer to bank deposit+Rs 2,071.48
$4,000This page0.08%$0.00Rs 414,560.00with bank transfer to bank deposit+Rs 2,430.79
$7,5000.12%$0.00Rs 777,094.03with debit card to bank deposit+Rs 5,155.85
$12,0000.27%$0.00Rs 1,241,584.16with bank transfer to bank deposit+Rs 3,948.42
$15,0000.27%$0.00Rs 1,551,980.19with bank transfer to bank deposit+Rs 4,963.02
$50,0000.25%$0.00Rs 5,175,089.15with bank transfer to bank deposit+Rs 24,883.85
$100,0000.25%$1.99Rs 10,338,830.00with debit card to mobile wallet+Rs 27,289.13
$250,0000.20%$0.00Rs 25,882,810.39with bank transfer to bank deposit+Rs 99,636.10
$500,0000.20%$0.00Rs 51,739,087.95with bank transfer to bank deposit+Rs 234,528.02

Mid-market rate: 1 AUD = 103.7275 NPR

AUD/NPR Exchange Rate History

Is today a good time to send money from Australia to Nepal?

The cheapest way to send AUD to NPR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Remitly), across 30 days of comparisons for 4,000 AUD transfers to Nepal.

NPR received for $4,000, after fees

Tue, 10 Nov 2026Mid-market rateRs 414,909.94 Remitly Rs 414,560.00RemitlyRs 414,560.00Western UnionRs 414,450.15MoneyGramRs 413,553.20

405,000
410,000
415,000
420,000
425,000
430,000
435,000
At the mid-market rateWith the cheapest optionRemitlyWestern UnionMoneyGram
Exchange rateFees:Recipient getsDifference
Mid-market rate 107.8515 – Rs 431,405.86
Western Union Cheapest 106.8174 $0.00 Rs 427,269.43 −Rs 4,136.43
Remitly 106.3900 $0.00 Rs 425,560.00 −Rs 5,845.86
MoneyGram 106.3240 $1.99 Rs 425,296.00 −Rs 6,109.86
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.8189 – Rs 427,275.78
Remitly Cheapest 106.1700 $0.00 Rs 424,680.00 −Rs 2,595.78
Western Union 105.7088 $0.00 Rs 422,835.28 −Rs 4,440.50
MoneyGram 105.4182 $0.99 Rs 421,672.80 −Rs 5,602.98
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.4779 – Rs 425,911.77
Remitly Cheapest 106.3400 $0.00 Rs 425,360.00 −Rs 551.77
MoneyGram 106.0126 $0.99 Rs 424,050.40 −Rs 1,861.37
Western Union 105.7286 $0.00 Rs 422,914.22 −Rs 2,997.55
Exchange rateFees:Recipient getsDifference
Mid-market rate 105.7716 – Rs 423,086.22
Remitly Cheapest 105.6900 $0.00 Rs 422,760.00 −Rs 326.22
Western Union 105.5529 $0.00 Rs 422,211.69 −Rs 874.53
MoneyGram 105.3370 $0.99 Rs 421,348.00 −Rs 1,738.22
Exchange rateFees:Recipient getsDifference
Mid-market rate 105.5109 – Rs 422,043.70
TapTap Send Cheapest 105.5000 $0.00 Rs 422,000.00 −Rs 43.70
Remitly 105.4500 $0.00 Rs 421,800.00 −Rs 243.70
MoneyGram 104.7356 $0.99 Rs 418,942.40 −Rs 3,101.30
Western Union 104.5886 $0.00 Rs 418,354.21 −Rs 3,689.49
Exchange rateFees:Recipient getsDifference
Mid-market rate 105.9093 – Rs 423,637.16
Remitly Cheapest 105.5500 $0.00 Rs 422,200.00 −Rs 1,437.16
MoneyGram 105.1992 $0.99 Rs 420,796.80 −Rs 2,840.36
Western Union 102.0511 $0.00 Rs 408,204.24 −Rs 15,432.92
Exchange rateFees:Recipient getsDifference
Mid-market rate 105.9093 – Rs 423,637.16
Remitly Cheapest 105.5500 $0.00 Rs 422,200.00 −Rs 1,437.16
MoneyGram 105.1992 $0.99 Rs 420,796.80 −Rs 2,840.36
Western Union 102.0511 $0.00 Rs 408,204.24 −Rs 15,432.92
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.1817 – Rs 424,726.98
MoneyGram Cheapest 105.4714 $0.99 Rs 421,885.60 −Rs 2,841.38
Western Union 105.2940 $0.00 Rs 421,176.17 −Rs 3,550.81
Remitly 105.2800 $0.00 Rs 421,120.00 −Rs 3,606.98
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.1127 – Rs 424,450.80
Remitly Cheapest 105.6600 $0.00 Rs 422,640.00 −Rs 1,810.80
MoneyGram 105.6529 $0.99 Rs 422,611.60 −Rs 1,839.20
Western Union 105.5057 $0.00 Rs 422,023.00 −Rs 2,427.80
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.3655 – Rs 425,461.83
MoneyGram Cheapest 106.0383 $0.99 Rs 424,153.20 −Rs 1,308.63
Western Union 105.8989 $0.00 Rs 423,595.68 −Rs 1,866.15
Remitly 105.7100 $0.00 Rs 422,840.00 −Rs 2,621.83
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.1207 – Rs 424,483.00
MoneyGram Cheapest 106.0080 $0.99 Rs 424,032.00 −Rs 451.00
Remitly 105.8000 $0.00 Rs 423,200.00 −Rs 1,283.00
Western Union 105.7149 $0.00 Rs 422,859.46 −Rs 1,623.54
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.3572 – Rs 425,428.72
Remitly Cheapest 106.0800 $0.00 Rs 424,320.00 −Rs 1,108.72
MoneyGram 106.0383 $0.99 Rs 424,153.20 −Rs 1,275.52
Western Union 105.5343 $0.00 Rs 422,137.34 −Rs 3,291.38
Exchange rateFees:Recipient getsDifference
Mid-market rate 105.8327 – Rs 423,330.80
Remitly Cheapest 106.4000 $0.00 Rs 425,600.00 +Rs 2,269.20
MoneyGram 105.8337 $0.99 Rs 423,334.80 +Rs 4.00
Western Union 105.7299 $0.00 Rs 422,919.63 −Rs 411.17
Exchange rateFees:Recipient getsDifference
Mid-market rate 105.8327 – Rs 423,330.80
Remitly Cheapest 106.4000 $0.00 Rs 425,600.00 +Rs 2,269.20
MoneyGram 105.8337 $0.99 Rs 423,334.80 +Rs 4.00
Western Union 105.7299 $0.00 Rs 422,919.63 −Rs 411.17
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.3976 – Rs 425,590.33
Western Union Cheapest 106.5292 $0.00 Rs 426,116.60 +Rs 526.27
Remitly 106.5000 $0.00 Rs 426,000.00 +Rs 409.67
MoneyGram 106.2363 $0.99 Rs 424,945.20 −Rs 645.13
Exchange rateFees:Recipient getsDifference
Mid-market rate 107.1275 – Rs 428,509.91
MoneyGram Cheapest 106.7536 $0.99 Rs 427,014.40 −Rs 1,495.51
Western Union 106.5144 $0.00 Rs 426,057.69 −Rs 2,452.22
Remitly 106.4700 $0.00 Rs 425,880.00 −Rs 2,629.91
Exchange rateFees:Recipient getsDifference
Mid-market rate 107.1742 – Rs 428,696.96
Remitly Cheapest 106.7400 $0.00 Rs 426,960.00 −Rs 1,736.96
Western Union 106.5985 $0.00 Rs 426,393.80 −Rs 2,303.16
MoneyGram 106.5037 $0.99 Rs 426,014.80 −Rs 2,682.16
Exchange rateFees:Recipient getsDifference
Mid-market rate 107.0768 – Rs 428,307.37
Western Union Cheapest 107.1699 $0.00 Rs 428,679.79 +Rs 372.42
MoneyGram 106.9835 $0.99 Rs 427,934.00 −Rs 373.37
Remitly 106.9800 $0.00 Rs 427,920.00 −Rs 387.37
Exchange rateFees:Recipient getsDifference
Mid-market rate 107.0799 – Rs 428,319.50
MoneyGram Cheapest 106.7945 $0.99 Rs 427,178.00 −Rs 1,141.50
Western Union 106.7831 $0.00 Rs 427,132.45 −Rs 1,187.05
Remitly 106.7500 $0.00 Rs 427,000.00 −Rs 1,319.50
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.5966 – Rs 426,386.46
Remitly Cheapest 106.8400 $0.00 Rs 427,360.00 +Rs 973.54
Western Union 106.6019 $0.00 Rs 426,407.47 +Rs 21.01
MoneyGram 106.4313 $0.99 Rs 425,725.20 −Rs 661.26
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.5966 – Rs 426,386.46
Remitly Cheapest 106.8400 $0.00 Rs 427,360.00 +Rs 973.54
Western Union 106.6019 $0.00 Rs 426,407.47 +Rs 21.01
MoneyGram 106.4313 $0.99 Rs 425,725.20 −Rs 661.26
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.9177 – Rs 427,670.95
Remitly Cheapest 106.6200 $0.00 Rs 426,480.00 −Rs 1,190.95
Western Union 106.3390 $0.00 Rs 425,355.94 −Rs 2,315.01
MoneyGram 105.9627 $0.99 Rs 423,850.80 −Rs 3,820.15
Exchange rateFees:Recipient getsDifference
Mid-market rate 105.9074 – Rs 423,629.60
TapTap Send Cheapest 106.2000 $0.00 Rs 424,800.00 +Rs 1,170.40
Remitly 105.9800 $0.00 Rs 423,920.00 +Rs 290.40
Western Union 105.6953 $0.00 Rs 422,781.29 −Rs 848.31
MoneyGram 105.4796 $0.99 Rs 421,918.40 −Rs 1,711.20
Exchange rateFees:Recipient getsDifference
Mid-market rate 105.3669 – Rs 421,467.61
Remitly Cheapest 105.7300 $0.00 Rs 422,920.00 +Rs 1,452.39
Western Union 105.0786 $0.00 Rs 420,314.53 −Rs 1,153.08
MoneyGram 105.0291 $0.99 Rs 420,116.40 −Rs 1,351.21
Exchange rateFees:Recipient getsDifference
Mid-market rate 106.0983 – Rs 424,393.37
TapTap Send Cheapest 105.7500 $0.00 Rs 423,000.00 −Rs 1,393.37
Remitly 105.7300 $0.00 Rs 422,920.00 −Rs 1,473.37
MoneyGram 105.7028 $0.99 Rs 422,811.20 −Rs 1,582.17
Western Union 105.5565 $0.00 Rs 422,225.91 −Rs 2,167.46
Exchange rateFees:Recipient getsDifference
Mid-market rate 104.1057 – Rs 416,422.72
Western Union Cheapest 104.3801 $0.00 Rs 417,520.29 +Rs 1,097.57
MoneyGram 103.8673 $0.99 Rs 415,469.20 −Rs 953.52
Remitly 103.7800 $0.00 Rs 415,120.00 −Rs 1,302.72
Exchange rateFees:Recipient getsDifference
Mid-market rate 103.2293 – Rs 412,917.37
MoneyGram Cheapest 103.1217 $0.99 Rs 412,486.80 −Rs 430.57
Remitly 103.1100 $0.00 Rs 412,440.00 −Rs 477.37
Western Union 102.8481 $0.00 Rs 411,392.48 −Rs 1,524.89
Exchange rateFees:Recipient getsDifference
Mid-market rate 103.6219 – Rs 414,487.70
Remitly Cheapest 103.1700 $0.00 Rs 412,680.00 −Rs 1,807.70
MoneyGram 103.1217 $0.99 Rs 412,486.80 −Rs 2,000.90
Western Union 102.8481 $0.00 Rs 411,392.48 −Rs 3,095.22
Exchange rateFees:Recipient getsDifference
Mid-market rate 103.6192 – Rs 414,476.62
MoneyGram Cheapest 103.5122 $0.99 Rs 414,048.80 −Rs 427.82
Remitly 103.0000 $0.00 Rs 412,000.00 −Rs 2,476.62
Western Union 102.8281 $0.00 Rs 411,312.42 −Rs 3,164.20
Exchange rateFees:Recipient getsDifference
Mid-market rate 103.7275 – Rs 414,909.94
Remitly Cheapest 103.6400 $0.00 Rs 414,560.00 −Rs 349.94
Western Union 103.6125 $0.00 Rs 414,450.15 −Rs 459.79
MoneyGram 103.3883 $1.99 Rs 413,553.20 −Rs 1,356.74

Exchange rateFees:Recipient getsDifference

Each line shows what the recipient gets when you send $4,000, after fees, as quoted by each company. The mid-market line shows what $4,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more NPR per AUD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 9 of the last 30 days.

Right now, Remitly pays 414,560 NPR on 4,000 AUD, which is 349.94 NPR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 428,679.79 NPR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Nepal.

We've tracked 359 comparisons to check how often today's top companies were the cheapest across 12 amounts over the past month.

  1. RemitlyAppeared in 139 comparisons

    Cheapest in 66% of them

  2. Western UnionAppeared in 174 comparisons

    Cheapest in 23% of them

  3. MoneyGramAppeared in 301 comparisons

    Cheapest in 24% of them

Based on 359 comparisons across 12 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Remitly is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Australia to Nepal

7 money transfer companies let you send money from Australia to Nepal.

Cheapest for most transfers

Online transfers

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

For example, sending A$4,000 with Remitly will get you 414,560 NPR after a A$0 fee and 0.08% markup.

In our comparisons over the past month, it was the cheapest online service on 19 of the 30 days it quoted.

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.

Remitly takes A$0 in fees and 0.08% markup on a A$4,000 transfer, and your NPR arrives in within a week.

Over the past month, Remitly was the cheapest app on 53% of the days it appeared for A$4,000 transfers.

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 0.59% on AUD/NPR, and it gets lower the more you send.

You also get an account manager for the whole thing.

Our analysis shows Xe was the cheapest broker in 51% of all the transfers it quoted.

For overseas business payments

Business accounts

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

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

Revolut converts A$4,000 at 0.25% markup, and the NPR sits in your account until you spend or transfer it.

Over the past month, it came out cheapest among multi-currency accounts on 69% of days.

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.

Ways to fund AUD and receive money in Nepal

With Remitly, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending A$4,000 gives your recipient 414,560 NPR.

You can fund the transfer with debit card, bank transfer, credit card, PayTo, POLi, and osko.

Recipients in 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.

They can collect cash via Remitly

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

  1. 1
    Bank transfer Bank deposit

    You pay A$4,000.00

    NRs414,560

    Cheapest

  2. 2
    Bank transfer Mobile wallet

    You pay A$4,000.00

    NRs414,560

    NRs0

  3. 3
    Bank transfer Cash pickup

    You pay A$4,000.00

    NRs414,560

    NRs0

  4. 4
    PayTo Bank deposit

    You pay A$4,000.00

    NRs414,560

    NRs0

  5. 5
    PayTo Mobile wallet

    You pay A$4,000.00

    NRs414,560

    NRs0

Show moreShow less
  1. 6
    PayTo Cash pickup

    You pay A$4,000.00

    NRs414,560

    NRs0

  2. 7
    Debit card Bank deposit

    You pay A$4,000.00

    NRs414,450

    -NRs110

  3. 8
    Debit card Mobile wallet

    You pay A$4,001.99

    NRs413,553

    -NRs1,007

  4. 9
    Credit card Mobile wallet

    You pay A$4,001.99

    NRs413,553

    -NRs1,007

  5. 10
    POLi Mobile wallet

    You pay A$4,001.99

    NRs413,553

    -NRs1,007

  6. 11
    Debit card Cash pickup

    You pay A$4,000.00

    NRs412,880

    -NRs1,680

  7. 12
    Credit card Bank deposit

    You pay A$4,000.00

    NRs412,880

    -NRs1,680

  8. 13
    Credit card Cash pickup

    You pay A$4,000.00

    NRs412,880

    -NRs1,680

  9. 14
    POLi Bank deposit

    You pay A$4,000.99

    NRs411,735

    -NRs2,825

  10. 15
    Osko Bank deposit

    You pay A$4,000.00

    NRs409,978

    -NRs4,582

  11. 16
    POLi Cash pickup

    You pay A$4,006.99

    NRs407,453

    -NRs7,107

Consider this before sending AUD to Nepal

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/NPR transfer options

For a A$4,000 transfer to Nepal, these are the best options right now:

Cheapest

Remitly is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 414,560 NPR, which is 0.03% more than the next best option.

Fastest

Revolut delivers 412,198.46 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 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 Nepal.

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 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.

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.

How we analyse the market

We track 7 companies sending AUD to Nepal, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 359 comparisons across 12 amounts.

This page covers the cheapest and fastest options for AUD/NPR transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

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.