Of the 6 companies we analysed, TapTap Send is the cheapest app overall for sending $2,000 to Congo.
On a 2,000 AUD transfer it will get your recipient 801,520 XAF.
| 6 of 6 providers Last updated on 28 September 2026 | |||
| Based on 2,000 AUD transfer Best companies for AUD/XAF transfers | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $3.99 1 AUD = 396.4045 XAF +2.05% vs mid-market | Recipient gets XAF 792,809.00 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 = 396.4045 XAF XAF 792,809.00You pay$2,003.99 | |||
| Ad  Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 399.4353 XAF +1.29% vs mid-market | Recipient gets XAF 798,870.60 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 399.4353 XAF XAF 798,870.60You 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. | |||
 TapTap Send Pay via Debit Card | Fees: $0.00 1 AUD = 400.7600 XAF +0.96% vs mid-market | Recipient gets XAF 801,520.00 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 = 400.7600 XAF XAF 801,520.00You pay$2,000.00 | |||
 Remitly Pay via Debit Card | Fees: $0.00 1 AUD = 400.6900 XAF +0.98% vs mid-market | Recipient gets XAF 801,380.00 2 Days | |
Ways to receive money in Congo - Brazzaville with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 400.6900 XAF XAF 801,380.00You pay$2,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 AUD = 400.6900 XAF +0.98% vs mid-market | Recipient gets XAF 801,380.00 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 = 400.6900 XAF XAF 801,380.00You pay$2,020.00 | |||
| Remitly Pay via PayTo | Fees: $0.00 1 AUD = 400.6900 XAF +0.98% vs mid-market | Recipient gets XAF 801,380.00 2 Days | |
Ways to receive money in Congo - Brazzaville with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 400.6900 XAF XAF 801,380.00You pay$2,000.00 | |||
| Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 399.4353 XAF +1.29% vs mid-market | Recipient gets XAF 798,870.60 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 399.4353 XAF XAF 798,870.60You pay$2,000.00 | |||
| Xe Pay via Debit Card | Fees: $6.00 1 AUD = 399.4353 XAF +1.29% vs mid-market | Recipient gets XAF 796,473.99 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $6.001 AUD = 399.4353 XAF XAF 796,473.99You pay$2,000.00 | |||
 Ria Money Transfer Pay via Credit Card | Fees: $2.89 1 AUD = 397.1000 XAF +1.88% vs mid-market | Recipient gets XAF 793,052.38 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 = 397.1000 XAF XAF 793,052.38You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 395.0900 XAF XAF 789,038.19You pay$2,000.00 | |||
| Ria Money Transfer Pay via Debit Card | Fees: $2.89 1 AUD = 397.1000 XAF +1.88% vs mid-market | Recipient gets XAF 793,052.38 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 = 397.1000 XAF XAF 793,052.38You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 395.0900 XAF XAF 789,038.19You pay$2,000.00 | |||
| Ria Money Transfer Pay via PayID | Fees: $2.89 1 AUD = 397.1000 XAF +1.88% vs mid-market | Recipient gets XAF 793,052.38 6-12 Hours | |
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 = 397.1000 XAF XAF 793,052.38You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 395.0900 XAF XAF 789,038.19You pay$2,000.00 | |||
| Xe Pay via Credit Card | Fees: $15.00 1 AUD = 399.4353 XAF +1.29% vs mid-market | Recipient gets XAF 792,879.07 6-12 Hours | |
Ways to receive money in Congo - Brazzaville with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $15.001 AUD = 399.4353 XAF XAF 792,879.07You pay$2,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $3.99 1 AUD = 396.4045 XAF +2.05% vs mid-market | Recipient gets XAF 792,809.00 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 = 396.4045 XAF XAF 792,809.00You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via POLi | Fees: $3.99 1 AUD = 396.4045 XAF +2.05% vs mid-market | Recipient gets XAF 792,809.00 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 = 396.4045 XAF XAF 792,809.00You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $32.99 1 AUD = 396.4045 XAF +2.05% vs mid-market | Recipient gets XAF 792,809.00 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 = 396.4045 XAF XAF 792,809.00You pay$2,032.99 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 AUD = 395.9136 XAF +2.17% vs mid-market | Recipient gets XAF 791,828.00 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 = 395.9136 XAF XAF 791,828.00You pay$2,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 AUD = 395.9136 XAF +2.17% vs mid-market | Recipient gets XAF 791,828.00 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 = 395.9136 XAF XAF 791,828.00You pay$2,000.00 | |||
| How Our Results Work Mid-market rate: 1 AUD = 404.6181 XAF Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is TapTap Send at 801,520 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, payid, and poli.
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 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | 0.95% | $0.00 | XAF 400,760.00with debit card to mobile money | +XAF 5,930.51 | |
| $1,500 | 0.95% | $0.00 | XAF 601,140.00with debit card to mobile money | +XAF 4,426.19 | |
| $2,000This page | 0.96% | $0.00 | XAF 801,520.00with debit card to mobile money | +XAF 5,845.08 | |
| $3,000 | 0.96% | $0.00 | XAF 1,202,280.00with debit card to mobile money | +XAF 10,309.11 | |
| $7,500 | 0.65% | $0.00 | XAF 3,014,756.00with debit card to bank deposit | +XAF 24,739.11 | |
| $12,000 | 0.27% | $0.00 | XAF 4,841,744.09with bank transfer to bank deposit | +XAF 60,398.08 | |
| $15,000 | 0.27% | $0.00 | XAF 6,052,372.45with bank transfer to bank deposit | +XAF 75,665.90 | |
| $100,000 | $0.00 | XAF 40,076,000.00with debit card to mobile money | +XAF 5,274,933.38 | ||
| $250,000 | 0.20% | $0.00 | XAF 100,940,468.49with bank transfer to bank deposit | +XAF 1,790,846.74 | |
| $500,000 | 0.20% | $0.00 | XAF 201,868,168.57with bank transfer to bank deposit | +XAF 3,565,418.42 |
Mid-market rate: 1 AUD = 404.6181 XAF
6 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 801,380 XAF after a $0 fee and 0.98% 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.
TapTap Send takes $0 in fees and 0.96% markup on a $0 transfer, and your XAF arrives in minutes.
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 1.29% on AUD/XAF, 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 XAF, handling invoices, batch payments, and more.
With TapTap Send, paying by debit card and receiving through a mobile money is the cheapest combination. Sending $2,000 gives your recipient 801,520 XAF.
You can fund the transfer with debit card, credit card, bank transfer, payto, payid, and poli.
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 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
FCFA801,520
Cheapest
You pay $2,000.00
FCFA801,380
-FCFA140
You pay $2,020.00
FCFA801,380
-FCFA140
You pay $2,000.00
FCFA801,380
-FCFA140
You pay $2,000.00
FCFA798,871
-FCFA2,649
You pay $2,000.00
FCFA793,052
-FCFA8,468
You pay $2,003.99
FCFA792,809
-FCFA8,711
You pay $2,032.99
FCFA792,809
-FCFA8,711
You pay $2,003.99
FCFA792,809
-FCFA8,711
You pay $2,000.00
FCFA789,038
-FCFA12,482
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
TapTap Send is cheapest when funded by debit card with mobile money for the payout. Your recipient gets 801,520 XAF, which is 0.02% more than the next best option.
Fastest
TapTap Send delivers 801,520 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 = 405.362036 XAF
We track 6 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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