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

Comparing based on your specific needs is the best way to send money from Australia to Puerto Rico with confidence.

Right now, for AUD/USD

• Wise is our top choice for AUD to USD transfers. Sending 12,000 AUD to USD will cost you $47.09 in fees, and you will receive 8,428.59 USD. The delivery time usually is same day.

• Regency FX offers the lowest fees of the 4 available options. This cost combines the exchange rate between the Australian Dollar and US Dollar that is 0.27% different to the mid-market rate and the fee of 0 AUD.

• Fastest way to transfer money to Puerto Rico from Australia is with Revolut. For example, sending $12,000 to Puerto Rico with Revolut will be within minutes. But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

Our analysis, and search results, include 4 providers that operate between Australia and Puerto Rico. These are ranked by speed, overall cost and ease of use.

Through this, you get a comprehensive view of all the options you have in Australia when you need to send money to Puerto Rico.

The exchange rate determines the price you’ll pay for US Dollar when you send Australian Dollar to Puerto Rico.

The current exchange rate between the Australian Dollar and US Dollar is 0.7059, but it constantly changes.

When calculating the costs of money transfers between Australia and Puerto Rico, opt for the best combination of fees and exchange rates:

• The Mid-Market and Exchange Rates: Today, the AUD-USD mid-market rate equals 0.7059 USD per Australian Dollar.

• Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Regency FX, only 0 AUD. We would recommend searching for your exact send amount to get an idea of fees.

• Amount Received: The amount received in US Dollar is the biggest indicator the total cost of sending money from Australia to Puerto Rico. Essentially, the more the recipient receives in Puerto Rico, the less it is costing to send from Australia.

It’s possible that waiting a day or two can help you get more USD for the same amount of Australian Dollar. But, the best way to lock in a price between Australia and Puerto Rico is by using a forward contract.

A bank transfer is the our recommended option for money transfers between Australia and Puerto Rico.

Here are all the ways to send money from Australia to Puerto Rico:

Bank transfers

Paying via a bank transfer is often the better option for sending money from Australia to Puerto Rico.

By using a money transfer company such as Regency FX for transfers from Australia to Puerto Rico, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


Debit and prepaid cards

Sending money from Australia to Puerto Rico with a debit or a prepaid card is easy with Wise.


Wise is a one of the better options in the market for international debit card transfers from Australia to Puerto Rico.

Credit cards

When it comes to credit card transfers from Australia to Puerto Rico, we recommend comparing your options to get the best deal.

Always choose providers that are regulated by financial authorities in both Australia and Puerto Rico to ensure funds are protected.

Please refer to our directory of financial regulators worldwide for key regulatory bodies for money transfers between Australia and Puerto Rico.

Some services have minimum or maximum thresholds on how much you can transfer from Australia to Puerto Rico.

Companies will offer different rates and fees for different transfer amounts. Some companies will become more expensive after certain thresholds are hit.

We’d recommend using Wise if you need to send large amounts of AUD to Puerto Rico. The combination of rates and fees when sending to Puerto Rico is the most competitive, even at larger amounts.

Also, always check with the recipient and understand any declarations needed on large amounts of money leaving Australia, or entering Puerto Rico. Mis-understanding these could result in a slower, or even failed, transfer.

There are different ways to receive money in Puerto Rico. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account. It’s likely not all providers serving transfers from Australia to Puerto Rico will offer every method, so it’s best to check ahead of time.

A direct transfer to a bank account is one of the more common ways to transfer from Australia into US Dollar. Wise is the best company for bank transfers between Australia and Puerto Rico.

And if you need cash right away, check if cash pickup is an option for transfers between Australia and Puerto Rico.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Regency FX.

When signing up to a money transfer company to send between Australia and Puerto Rico, you will need to verify your ID.

The exact documents you need might vary and in some cases you will need more than one.

For the most part, in Australia this will be a government ID like a passport or driver's license. In Puerto Rico it will be a similar set of documents, although this should only be needed if you are opening a new account in Puerto Rico, or collecting in cash.

Big transactions between Australia and Puerto Rico, are subject to additional checks. A provider may ask you for proof of address or may want to know where the money comes from.

We recommend Wise in part due to their easy sign up process in Australia.

When sending large amounts of money between Australia and Puerto Rico there will be tax implications to consider.

Some transfers into US Dollar may need to be reported to tax authorities in Puerto Rico, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances differ in Puerto Rico based on age, income and a few other elements. When in doubt, please contact a tax professional in Australia or Puerto Rico to discuss your personal circumstances.