Best companies for AUD/XAF transfers
6 of 6 providers Last updated on 10 November 2026
Based on 2,000 AUD transfer Best companies for AUD/XAF transfers Sort Cheapest
Ad Xe Pay via Debit Card	Fees: $0.00 1 AUD = 399.6630 XAF +1.24% vs mid-market	Recipient gets XAF 799,326.00 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Congo - Brazzaville with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 399.6630 XAF XAF 799,326.00You pay$2,000.00
Ad Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 393.3800 XAF +2.82% vs mid-market	Recipient gets XAF 786,760.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Congo - Brazzaville with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 393.3800 XAF XAF 786,760.00You 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.
Ria Money Transfer Pay via Credit Card	Fees: $2.89 1 AUD = 400.3300 XAF +1.07% vs mid-market	Recipient gets XAF 799,503.05 6-12 Hours
0 reviews Cheapest
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 = 400.3300 XAF XAF 799,503.05You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 400.1500 XAF XAF 799,143.57You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 398.3000 XAF XAF 795,448.91You pay$2,000.00

Ria Money Transfer Pay via Debit Card	Fees: $2.89 1 AUD = 400.3300 XAF +1.07% vs mid-market	Recipient gets XAF 799,503.05 6-12 Hours
0 reviews
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 = 400.3300 XAF XAF 799,503.05You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 400.1500 XAF XAF 799,143.57You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 398.3000 XAF XAF 795,448.91You pay$2,000.00
Ria Money Transfer Pay via PayID	Fees: $2.89 1 AUD = 400.3300 XAF +1.07% vs mid-market	Recipient gets XAF 799,503.05 6-12 Hours
0 reviews
Ways to receive money in Congo - Brazzaville with Ria Money Transfer when paying by payid. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 400.3300 XAF XAF 799,503.05You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 400.1500 XAF XAF 799,143.57You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 398.3000 XAF XAF 795,448.91You pay$2,000.00
Xe Pay via Debit Card	Fees: $0.00 1 AUD = 399.6630 XAF +1.24% vs mid-market	Recipient gets XAF 799,326.00 6-12 Hours
4 reviews Our top pick Receive to bank accountDedicated support for larger transactions
Ways to receive money in Congo - Brazzaville with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 399.6630 XAF XAF 799,326.00You pay$2,000.00

Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 399.6630 XAF +1.24% vs mid-market	Recipient gets XAF 799,326.00 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Congo - Brazzaville with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 399.6630 XAF XAF 799,326.00You pay$2,000.00
Xe Pay via Credit Card	Fees: $0.00 1 AUD = 399.6630 XAF +1.24% vs mid-market	Recipient gets XAF 799,326.00 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Congo - Brazzaville with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 399.6630 XAF XAF 799,326.00You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $0.00 1 AUD = 397.2936 XAF +1.83% vs mid-market	Recipient gets XAF 794,587.20 6-12 Hours
2 reviews
Ways to receive money in Congo - Brazzaville with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 AUD = 397.2936 XAF XAF 794,587.20You pay$2,000.00 Cash pickup6-12 Hours $3.991 AUD = 397.2936 XAF XAF 794,587.20You pay$2,003.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $0.00 1 AUD = 397.2936 XAF +1.83% vs mid-market	Recipient gets XAF 794,587.20 6-12 Hours
2 reviews
Ways to receive money in Congo - Brazzaville with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 AUD = 397.2936 XAF XAF 794,587.20You pay$2,000.00 Cash pickup6-12 Hours $3.991 AUD = 397.2936 XAF XAF 794,587.20You pay$2,003.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $0.00 1 AUD = 397.2936 XAF +1.83% vs mid-market	Recipient gets XAF 794,587.20 6-12 Hours
2 reviews
Ways to receive money in Congo - Brazzaville with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 AUD = 397.2936 XAF XAF 794,587.20You pay$2,000.00 Cash pickup6-12 Hours $3.991 AUD = 397.2936 XAF XAF 794,587.20You pay$2,003.99
TapTap Send Pay via Debit Card	Fees: $0.00 1 AUD = 394.4300 XAF +2.56% vs mid-market	Recipient gets XAF 788,860.00 Minutes
2 reviews Fastest Receive to bank account
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 = 394.4300 XAF XAF 788,860.00You pay$2,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 394.0785 XAF +2.65% vs mid-market	Recipient gets XAF 788,158.00 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Congo - Brazzaville with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 394.0785 XAF XAF 788,158.00You pay$2,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 394.0785 XAF +2.65% vs mid-market	Recipient gets XAF 788,158.00 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Congo - Brazzaville with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 394.0785 XAF XAF 788,158.00You pay$2,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 393.3800 XAF +2.82% vs mid-market	Recipient gets XAF 786,760.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Congo - Brazzaville with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 393.3800 XAF XAF 786,760.00You pay$2,000.00

Remitly Pay via Credit Card	Fees: $0.00 1 AUD = 393.3800 XAF +2.82% vs mid-market	Recipient gets XAF 786,760.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Congo - Brazzaville with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 393.3800 XAF XAF 786,760.00You pay$2,000.00
Remitly Pay via Bank Transfer	Fees: $0.00 1 AUD = 393.3800 XAF +2.82% vs mid-market	Recipient gets XAF 786,760.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Congo - Brazzaville with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 393.3800 XAF XAF 786,760.00You pay$2,000.00
Remitly Pay via PayTo	Fees: $0.00 1 AUD = 393.3800 XAF +2.82% vs mid-market	Recipient gets XAF 786,760.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Congo - Brazzaville with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 393.3800 XAF XAF 786,760.00You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 404.6496 XAF Updates every 60 minutes.

Why compare

AUD/XAF exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to Republic of the Congo

Pick a company

Start with the cheapest, which is Ria Money Transfer at 799,503.05 XAF on A$2,000.

Ria Money Transfer was the cheapest on 6 of the 16 days it quoted A$2,000 transfers to the Republic of the Congo.

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, credit card, bank transfer, PayID, 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 Republic of the Congo?

How much AUD you send to the Republic of the Congo 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 Ria Money Transfer was the cheapest in 29% of the transfers up to A$2,000 it quoted, and in 29% of all the transfers it quoted.


$1,000	1.07%	$2.89	XAF 399,173.05with credit card to bank deposit	+XAF 3,761.00
$1,500	1.24%	$0.00	XAF 599,494.50with debit card to bank deposit	+XAF 4,589.51
$2,000This page	1.07%	$2.89	XAF 799,503.05with credit card to bank deposit	+XAF 6,224.00
$3,000	1.25%	$0.00	XAF 1,198,989.00with debit card to bank deposit	+XAF 12,460.10
$7,500	1.12%	$0.00	XAF 3,001,247.00with debit card to bank deposit	+XAF 13,220.06
$12,000	0.27%	$0.00	XAF 4,842,173.60with bank transfer to bank deposit	+XAF 58,952.20
$15,000	0.27%	$0.00	XAF 6,052,717.00with bank transfer to bank deposit	+XAF 73,690.25
$50,000	0.25%	$0.00	XAF 20,181,532.22with bank transfer to bank deposit	+XAF 250,716.94
$100,000	0.25%	$0.00	XAF 40,328,413.68with bank transfer to bank deposit	+XAF 471,114.47
$250,000	0.20%	$0.00	XAF 100,967,212.90with bank transfer to bank deposit	+XAF 1,458,230.32
$500,000	0.20%	$0.00	XAF 201,699,505.07with bank transfer to bank deposit	+XAF 3,700,854.06

Mid-market rate: 1 AUD = 404.6496 XAF

AUD/XAF Exchange Rate History

Is today a good time to send money from Australia to Republic of the Congo?

The cheapest way to send AUD to XAF 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 Ria Money Transfer), across 30 days of comparisons for 2,000 AUD transfers to the Republic of the Congo.

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 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 XAF per AUD than the mid-market rate can offer.

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

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of XAF on every transfer from Australia.

Right now, Ria Money Transfer pays 799,503.05 XAF on 2,000 AUD, which is 9,796.22 XAF less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 822,769.20 XAF.

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.

Ways to send money from Australia to Republic of the Congo

6 money transfer companies let you send money from Australia to the Republic of the Congo.

Cheapest for most transfers

Online transfers

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

For example, sending A$2,000 with Ria Money Transfer will get you 799,503.05 XAF after a A$2.89 fee and 1.07% markup.

In our comparisons over the past month, it was the cheapest online service on 6 of the 16 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.

Ria Money Transfer takes A$2.89 in fees and 1.07% markup on a A$2,000 transfer, and your XAF arrives in 6-12 hours.

Over the past month, Ria Money Transfer was the cheapest app on 38% of the days it appeared for A$2,000 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 1.24% on AUD/XAF, 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 48% 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 XAF, handling invoices, batch payments, and more.

Ways to fund AUD and receive money in Republic of the Congo

With Ria Money Transfer, paying by credit card and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 799,503.05 XAF.

You can fund the transfer with debit card, credit card, bank transfer, PayID, 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 Republic of the Congo can collect XAF through bank deposit, mobile wallet, cash pickup, and mobile money.

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

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

Receive XAF in a mobile money

Use the mobile number registered to the recipient's mobile money account. 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 Republic of the Congo.

1

Debit card Bank deposit

You pay A$2,000.00

FCFA799,503

Cheapest
2

Credit card Bank deposit

You pay A$2,000.00

FCFA799,503

FCFA0
3

PayID Bank deposit

You pay A$2,000.00

FCFA799,503

FCFA0
4

Bank transfer Bank deposit

You pay A$2,000.00

FCFA799,326

-FCFA177
5

Debit card Mobile wallet

You pay A$2,000.00

FCFA799,144

-FCFA359

Show moreShow less

6

Credit card Mobile wallet

You pay A$2,000.00

FCFA799,144

-FCFA359
7

PayID Mobile wallet

You pay A$2,000.00

FCFA799,144

-FCFA359
8

Debit card Cash pickup

You pay A$2,000.00

FCFA795,449

-FCFA4,054
9

Credit card Cash pickup

You pay A$2,000.00

FCFA795,449

-FCFA4,054
10

PayID Cash pickup

You pay A$2,000.00

FCFA795,449

-FCFA4,054
11

POLi Mobile wallet

You pay A$2,000.00

FCFA794,587

-FCFA4,916
12

POLi Cash pickup

You pay A$2,003.99

FCFA794,587

-FCFA4,916
13

Debit card Mobile money

You pay A$2,000.00

FCFA788,860

-FCFA10,643
14

PayTo Bank deposit

You pay A$2,000.00

FCFA786,760

-FCFA12,743

Consider this before sending AUD to Republic of the Congo

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/XAF transfer options

For a A$2,000 transfer to the Republic of the Congo, 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 799,503.05 XAF, which is 0.02% more than the next best option.

Fastest

TapTap Send delivers 788,860 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 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 the Republic of the Congo.

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 the Republic of the 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.

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 6 companies sending AUD to the Republic of the Congo, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 329 comparisons across 11 amounts.

This page covers the cheapest and fastest options for AUD/XAF 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.

Send money from Australia

Mon, 12 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	408.6845	–	XAF 817,368.94
TapTap Send Cheapest	404.4600	$0.00	XAF 808,920.00	−XAF 8,448.94
Xe	404.1972	$0.00	XAF 808,394.40	−XAF 8,974.54
MoneyGram	400.0619	$0.00	XAF 800,123.80	−XAF 17,245.14
Ria Money Transfer	397.1000	$2.89	XAF 793,052.38	−XAF 24,316.56

Tue, 13 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	408.2510	–	XAF 816,501.96
TapTap Send Cheapest	404.6800	$0.00	XAF 809,360.00	−XAF 7,141.96
Xe	404.1180	$0.00	XAF 808,236.00	−XAF 8,265.96
MoneyGram	399.9484	$0.00	XAF 799,896.80	−XAF 16,605.16
Ria Money Transfer	397.1000	$2.89	XAF 793,052.38	−XAF 23,449.57

Wed, 14 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	410.1883	–	XAF 820,376.54
TapTap Send Cheapest	405.7300	$0.00	XAF 811,460.00	−XAF 8,916.54
Xe	404.0289	$0.00	XAF 808,057.80	−XAF 12,318.74
MoneyGram	402.4424	$0.00	XAF 804,884.80	−XAF 15,491.74
Ria Money Transfer No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	405.8382	–	XAF 811,676.45
Xe Cheapest	403.9101	$0.00	XAF 807,820.20	−XAF 3,856.25
Ria Money Transfer No quote collected this day	–	–	–	–
MoneyGram No quote collected this day	–	–	–	–

Fri, 16 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	406.0423	–	XAF 812,084.66
MoneyGram Cheapest	397.1177	$0.00	XAF 794,235.40	−XAF 17,849.26
Ria Money Transfer No quote collected this day	–	–	–	–
Xe No quote collected this day	–	–	–	–

How to send money to the Republic of the Congo from Australia with the best AUD-XAF rate

Best companies for AUD/XAF transfers