Of the 5 companies we analysed, Remitly is the cheapest app overall for sending $2,000 to Congo.
On a 2,000 AUD transfer it will get your recipient 844,440 XAF.
| 5 of 5 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze AUD/XAF exchange rates from our comparisons. | |||
| Based on 2,000 AUD transfer Best companies for AUD/XAF transfersAll money transfer offers for AUD/XAF transfers, sorted by most XAF received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $3.99 1 AUD = 399.1423 XAF +1.85% vs mid-market | Recipient gets XAF 798,284.60 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $3.991 AUD = 399.1423 XAF XAF 798,284.60You pay$2,003.99 | |||
| Ad  Remitly Pay via Debit Card | Fees: $0.00 1 AUD = 422.2200 XAF -3.77% vs mid-market | Recipient gets XAF 844,440.00 2 Days | |
Ways to receive money in Congo - Brazzaville with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 422.2200 XAF XAF 844,440.00You pay$2,000.00 | |||
Run a live search Showing top Australia to Congo 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 XAF rates. | |||
Run a live search These companies offer multi-currency accounts for spending XAF. We suggest doing a live search based on how much AUD you're planning to spend in Congo. | |||
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. | |||
| Remitly Pay via Debit Card | Fees: $0.00 1 AUD = 422.2200 XAF -3.77% vs mid-market | Recipient gets XAF 844,440.00 2 Days | |
Ways to receive money in Congo - Brazzaville with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 422.2200 XAF XAF 844,440.00You pay$2,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 AUD = 422.2200 XAF -3.77% vs mid-market | Recipient gets XAF 844,440.00 2 Days | |
Ways to receive money in Congo - Brazzaville with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 AUD = 422.2200 XAF XAF 844,440.00You pay$2,020.00 | |||
| Remitly Pay via PayTo | Fees: $0.00 1 AUD = 422.2200 XAF -3.77% vs mid-market | Recipient gets XAF 844,440.00 2 Days | |
Ways to receive money in Congo - Brazzaville with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 422.2200 XAF XAF 844,440.00You pay$2,000.00 | |||
 TapTap Send Pay via Debit Card | Fees: $0.00 1 AUD = 402.5700 XAF +1.00% vs mid-market | Recipient gets XAF 805,140.00 Minutes | |
Ways to receive money in Congo - Brazzaville with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:Airtel, MTN Free1 AUD = 402.5700 XAF XAF 805,140.00You pay$2,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $3.99 1 AUD = 399.1423 XAF +1.85% vs mid-market | Recipient gets XAF 798,284.60 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $3.991 AUD = 399.1423 XAF XAF 798,284.60You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via POLi | Fees: $3.99 1 AUD = 399.1423 XAF +1.85% vs mid-market | Recipient gets XAF 798,284.60 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $3.991 AUD = 399.1423 XAF XAF 798,284.60You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $32.99 1 AUD = 399.1423 XAF +1.85% vs mid-market | Recipient gets XAF 798,284.60 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $32.991 AUD = 399.1423 XAF XAF 798,284.60You pay$2,032.99 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 AUD = 398.9817 XAF +1.89% vs mid-market | Recipient gets XAF 797,964.00 Next Day | |
Ways to receive money in Congo - Brazzaville with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 398.9817 XAF XAF 797,964.00You pay$2,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 AUD = 398.9817 XAF +1.89% vs mid-market | Recipient gets XAF 797,964.00 Next Day | |
Ways to receive money in Congo - Brazzaville with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 398.9817 XAF XAF 797,964.00You pay$2,000.00 | |||
 Ria Money Transfer Pay via Bank Transfer | Fees: $0.00 1 AUD = 394.5800 XAF +3.00% vs mid-market | Recipient gets XAF 789,160.00 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with Ria Money Transfer when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 394.5800 XAF XAF 789,160.00You pay$2,000.00 Cash pickup6-12 Hours Free1 AUD = 392.5800 XAF XAF 785,160.00You pay$2,000.00 | |||
| Ria Money Transfer Pay via Mobile wallet | Fees: $0.00 1 AUD = 394.5800 XAF +3.00% vs mid-market | Recipient gets XAF 789,160.00 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with Ria Money Transfer when paying by mobile wallet. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 394.5800 XAF XAF 789,160.00You pay$2,000.00 Cash pickup6-12 Hours Free1 AUD = 392.5800 XAF XAF 785,160.00You pay$2,000.00 | |||
| Ria Money Transfer Pay via Debit Card | Fees: $2.89 1 AUD = 394.5800 XAF +3.00% vs mid-market | Recipient gets XAF 788,019.66 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 394.5800 XAF XAF 788,019.66You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 392.5800 XAF XAF 784,025.44You pay$2,000.00 | |||
| Ria Money Transfer Pay via Credit Card | Fees: $2.89 1 AUD = 394.5800 XAF +3.00% vs mid-market | Recipient gets XAF 788,019.66 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 394.5800 XAF XAF 788,019.66You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 392.5800 XAF XAF 784,025.44You pay$2,000.00 | |||
| How Our Results Work Mid-market rate: 1 AUD = 406.597679 XAF Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Remitly at 844,440 XAF on $2,000.
Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.
You have 6 ways to pay, including debit card, credit card, bank transfer, payto, poli, and mobile wallet.
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).
5 money transfer companies let you send money from Australia to Congo.
Cheapest for most transfers
Sending money online with a “self-service” provider is usually the cheapest way to send money to Congo.
For example, sending $500 with Remitly will get you 844,440 XAF after a $0 fee and -3.77% 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.
Remitly takes $0 in fees and -3.77% markup on a $0 transfer, and your XAF arrives in 2 days.
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.
Brokers like TorFX, Key Currency, or Xe charge no fee on large transfers, just a margin that gets lower the more you send.
For overseas business payments
Global accounts like Airwallex are great for paying suppliers, contractors or staff in XAF, handling invoices, batch payments, and more.
With Remitly, paying by debit card and receiving through a bank deposit is the cheapest combination. Sending $2,000 gives your recipient 844,440 XAF.
You can fund the transfer with debit card, credit card, bank transfer, payto, poli, and mobile wallet.
Recipients in the Congo can collect XAF through bank deposit, cash pickup, and mobile money.
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 the Congo.
You pay $2,000.00
FCFA844,440
Cheapest
You pay $2,020.00
FCFA844,440
FCFA0
You pay $2,000.00
FCFA844,440
FCFA0
You pay $2,000.00
FCFA805,140
-FCFA39,300
You pay $2,003.99
FCFA798,285
-FCFA46,155
You pay $2,032.99
FCFA798,285
-FCFA46,155
You pay $2,003.99
FCFA798,285
-FCFA46,155
You pay $2,000.00
FCFA797,964
-FCFA46,476
You pay $2,000.00
FCFA789,160
-FCFA55,280
You pay $2,000.00
FCFA785,160
-FCFA59,280
You pay $2,000.00
FCFA785,160
-FCFA59,280
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 $2,000 transfer to Congo, these are the best options right now:
Cheapest
Remitly is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 844,440 XAF, which is 4.65% more than the next best option.
Fastest
TapTap Send delivers 805,140 XAF in minutes when you use debit card and choose mobile money 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 Congo.
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 Congo.
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/XAF rate can make a noticeable difference to the amount received, especially on a larger transfer.
Mid-market rate:1 AUD = 406.193673 XAF
We track 5 companies sending AUD to Congo, 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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