Best companies for AUD/WST transfers
6 of 6 providers Last updated on 28 October 2026
Based on 2,000 AUD transfer Best companies for AUD/WST transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $106.01 1 AUD = 1.9340 WST +0.62% vs mid-market	Recipient gets WST 3,662.96 Within a week
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Samoa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $106.011 AUD = 1.9340 WST WST 3,662.96You pay$2,000.00
Ad Xe Pay via Debit Card	Fees: $0.00 1 AUD = 1.8805 WST +3.43% vs mid-market	Recipient gets WST 3,761.10 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Samoa with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.8805 WST WST 3,761.10You pay$2,000.00
Run a live search Showing top Australia to Samoa 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 WST rates.
Run a live search These companies offer multi-currency accounts for spending WST. We suggest doing a live search based on how much AUD you're planning to spend in Samoa.
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.
OFX Pay via Bank Transfer	Fees: $0.00 1 AUD = 1.9334 WST +0.65% vs mid-market	Recipient gets WST 3,866.82 6-12 Hours
7 reviews Cheapest Receive to bank account
Ways to receive money in Samoa with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.9334 WST WST 3,866.82You pay$2,000.00
Xe Pay via Debit Card	Fees: $0.00 1 AUD = 1.8805 WST +3.43% vs mid-market	Recipient gets WST 3,761.10 6-12 Hours
4 reviews Fastest Receive to bank accountDedicated support for larger transactions
Ways to receive money in Samoa with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.8805 WST WST 3,761.10You pay$2,000.00

Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 1.8805 WST +3.43% vs mid-market	Recipient gets WST 3,761.10 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Samoa with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.8805 WST WST 3,761.10You pay$2,000.00
Xe Pay via Credit Card	Fees: $0.00 1 AUD = 1.8805 WST +3.43% vs mid-market	Recipient gets WST 3,761.10 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Samoa with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.8805 WST WST 3,761.10You pay$2,000.00
Remitly Pay via PayTo	Fees: $0.00 1 AUD = 1.8589 WST +4.58% vs mid-market	Recipient gets WST 3,717.80 Within a week
15 reviews Receive to bank account or cash pickup
Ways to receive money in Samoa with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 1.8589 WST WST 3,717.80You pay$2,000.00 Cash pickupWithin a week Free1 AUD = 1.8589 WST WST 3,717.80You pay$2,000.00 Card depositWithin a week Free1 AUD = 1.8589 WST WST 3,717.80You pay$2,000.00 Mobile walletWithin a week Free1 AUD = 1.8589 WST WST 3,717.80You pay$2,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 1.8573 WST +4.67% vs mid-market	Recipient gets WST 3,714.60 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Samoa with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 1.8573 WST WST 3,714.60You pay$2,000.00 Cash pickupWithin minutes Free1 AUD = 1.8573 WST WST 3,714.60You pay$2,000.00 Card depositWithin minutes Free1 AUD = 1.8573 WST WST 3,714.60You pay$2,000.00 Mobile walletWithin minutes Free1 AUD = 1.8573 WST WST 3,714.60You pay$2,000.00

Remitly Pay via Credit Card	Fees: $0.00 1 AUD = 1.8573 WST +4.67% vs mid-market	Recipient gets WST 3,714.60 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Samoa with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 1.8573 WST WST 3,714.60You pay$2,000.00 Cash pickupWithin minutes Free1 AUD = 1.8573 WST WST 3,714.60You pay$2,000.00 Card depositWithin minutes Free1 AUD = 1.8573 WST WST 3,714.60You pay$2,000.00 Mobile walletWithin minutes Free1 AUD = 1.8573 WST WST 3,714.60You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $2.99 1 AUD = 1.8516 WST +4.97% vs mid-market	Recipient gets WST 3,703.20 6-12 Hours
2 reviews
Ways to receive money in Samoa with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $2.991 AUD = 1.8516 WST WST 3,703.20You pay$2,002.99 Mobile wallet6-12 HoursAvailable via:Select Wallets $1.991 AUD = 1.8422 WST WST 3,684.40You pay$2,001.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $2.99 1 AUD = 1.8516 WST +4.97% vs mid-market	Recipient gets WST 3,703.20 6-12 Hours
2 reviews
Ways to receive money in Samoa with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $2.991 AUD = 1.8516 WST WST 3,703.20You pay$2,002.99 Mobile wallet6-12 HoursAvailable via:Select Wallets $1.991 AUD = 1.8422 WST WST 3,684.40You pay$2,001.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $2.99 1 AUD = 1.8516 WST +4.97% vs mid-market	Recipient gets WST 3,703.20 6-12 Hours
2 reviews
Ways to receive money in Samoa with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $2.991 AUD = 1.8516 WST WST 3,703.20You pay$2,002.99 Mobile wallet6-12 HoursAvailable via:Select Wallets $1.991 AUD = 1.8422 WST WST 3,684.40You pay$2,001.99
Wise Pay via Bank Transfer	Fees: $106.01 1 AUD = 1.9340 WST +0.62% vs mid-market	Recipient gets WST 3,662.96 Within a week
25 reviews Recommended Receive to bank accountDedicated support for large transfers
Ways to receive money in Samoa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $106.011 AUD = 1.9340 WST WST 3,662.96You pay$2,000.00

Wise Pay via Osko	Fees: $106.01 1 AUD = 1.9340 WST +0.62% vs mid-market	Recipient gets WST 3,662.96 Within a week
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Samoa with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $106.011 AUD = 1.9340 WST WST 3,662.96You pay$2,000.00
Wise Pay via Debit Card	Fees: $111.05 1 AUD = 1.9340 WST +0.62% vs mid-market	Recipient gets WST 3,653.21 Within a week
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Samoa with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $111.051 AUD = 1.9340 WST WST 3,653.21You pay$2,000.00
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 1.8189 WST +6.75% vs mid-market	Recipient gets WST 3,637.89 3-5 Days
0 reviews
Ways to receive money in Samoa with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 1.8189 WST WST 3,637.89You pay$2,000.00
Wise Pay via Credit Card	Fees: $123.36 1 AUD = 1.9340 WST +0.62% vs mid-market	Recipient gets WST 3,629.40 Within a week
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Samoa with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $123.361 AUD = 1.9340 WST WST 3,629.40You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 1.9461 WST Updates every 60 minutes.

Why compare

AUD/WST exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to Samoa

Pick a company

Start with the cheapest, which is OFX at 3,866.82 WST on A$2,000.

OFX was the cheapest on 29 of the 29 days it quoted A$2,000 transfers to Samoa.

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 bank transfer, debit card, 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 Samoa?

How much AUD you send to Samoa 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 OFX was the cheapest in 100% of the transfers up to A$2,000 it quoted, and in 49% of all the transfers it quoted.


$1,000	0.65%	$0.00	WST 1,933.09with bank transfer to bank deposit	+WST 81.63
$1,500	0.65%	$0.00	WST 2,900.84with bank transfer to bank deposit	+WST 117.69
$2,000This page	0.65%	$0.00	WST 3,866.82with bank transfer to bank deposit	+WST 156.61
$3,000	0.65%	$0.00	WST 5,800.68with bank transfer to bank deposit	+WST 235.48
$7,500	0.50%	$0.00	WST 14,520.08with bank transfer to bank deposit	+WST 612.17
$12,000	0.27%	$0.00	WST 23,289.15with bank transfer to bank deposit	+WST 944.33
$15,000	0.27%	$0.00	WST 29,108.14with bank transfer to bank deposit	+WST 1,176.68
$50,000	0.25%	$0.00	WST 97,105.93with bank transfer to bank deposit	+WST 3,386.77
$100,000	0.25%	$0.00	WST 194,087.57with bank transfer to bank deposit	+WST 6,898.66
$250,000	0.20%	$0.00	WST 485,462.13with bank transfer to bank deposit	+WST 17,448.19
$500,000	0.20%	$0.00	WST 970,982.64with bank transfer to bank deposit	+WST 29,745.37

Mid-market rate: 1 AUD = 1.9461 WST

AUD/WST Exchange Rate History

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

The cheapest way to send AUD to WST 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 OFX), across 30 days of comparisons for 2,000 AUD transfers to Samoa.

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. The bank line is the cheapest bank available on each day.

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 WST 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 WST on every transfer from Australia.

Right now, OFX pays 3,866.82 WST on 2,000 AUD, which is 25.3 WST less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 3,882 WST.

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 Samoa

6 money transfer companies let you send money from Australia to Samoa.

Cheapest for most transfers

Online transfers

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

For example, sending A$2,000 with Xe will get you 3,761.1 WST after a A$0 fee and 3.43% markup.

In our comparisons over the past month, it was the cheapest online service on 14 of the 28 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.

Xe takes A$0 in fees and 3.43% markup on a A$2,000 transfer, and your WST arrives in 6-12 hours.

Over the past month, Xe was the cheapest app on 50% 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 OFX drops the fee entirely and works on margin instead.

With OFX you get 0.65% on AUD/WST, and it gets lower the more you send.

You also get an account manager for the whole thing.

Our analysis shows OFX was the cheapest broker in 49% 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 WST, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

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

Wise converts A$2,000 at 0.62% markup, and the WST sits in your account until you spend or transfer it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Most useful if you travel often to Samoa, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a A$2,000 transfer, a bank like NAB adds 6.75% markup and delivers 3,637.89 WST, against 3,866.82 WST via OFX (the cheapest option).

We found NAB was the cheapest bank on 28 of the 28 days it appeared for this amount.

Ways to fund AUD and receive money in Samoa

With OFX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 3,866.82 WST.

Our data shows that OFX gets your recipient 228.93 WST more than NAB, today's cheapest bank, on the same A$2,000.

You can fund the transfer with bank transfer, debit card, credit card, payto, poli, and osko.

Recipients in Samoa can collect WST through bank deposit, cash pickup, mobile wallet, and card deposit.

Your recipient can have WST 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 Samoa.

1

Bank transfer Bank deposit

You pay A$2,000.00

WS$3,867

Cheapest
2

Debit card Bank deposit

You pay A$2,000.00

WS$3,761

-WS$106
3

Credit card Bank deposit

You pay A$2,000.00

WS$3,761

-WS$106
4

Payto Bank deposit

You pay A$2,000.00

WS$3,718

-WS$149
5

Payto Cash pickup

You pay A$2,000.00

WS$3,718

-WS$149

Show moreShow less

6

Payto Card deposit

You pay A$2,000.00

WS$3,718

-WS$149
7

Payto Mobile wallet

You pay A$2,000.00

WS$3,718

-WS$149
8

Debit card Cash pickup

You pay A$2,000.00

WS$3,715

-WS$152
9

Debit card Card deposit

You pay A$2,000.00

WS$3,715

-WS$152
10

Debit card Mobile wallet

You pay A$2,000.00

WS$3,715

-WS$152
11

Credit card Cash pickup

You pay A$2,000.00

WS$3,715

-WS$152
12

Credit card Card deposit

You pay A$2,000.00

WS$3,715

-WS$152
13

Credit card Mobile wallet

You pay A$2,000.00

WS$3,715

-WS$152
14

Poli Cash pickup

You pay A$2,002.99

WS$3,703

-WS$164
15

Poli Mobile wallet

You pay A$2,001.99

WS$3,684

-WS$182
16

Osko Bank deposit

You pay A$2,000.00

WS$3,663

-WS$204

Consider this before sending AUD to Samoa

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/WST transfer options

For a A$2,000 transfer to Samoa, these are the best options right now:

Cheapest

OFX is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 3,866.82 WST, which is 2.73% more than the next best option.

Fastest

OFX delivers 3,866.82 WST in 6-12 hours 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 Samoa.

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 Samoa.

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 Samoa, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 316 comparisons across 11 amounts.

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

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Tue, 29 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9343	–	WST 3,868.70
OFX Cheapest	1.9218	$0.00	WST 3,843.55	−WST 25.15
Xe	1.8805	$0.00	WST 3,761.10	−WST 107.60
Remitly	1.8566	$0.00	WST 3,713.20	−WST 155.50
NAB	1.8259	$0.00	WST 3,651.74	−WST 216.96

Wed, 30 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9298	–	WST 3,859.67
OFX Cheapest	1.9173	$0.00	WST 3,834.58	−WST 25.09
Xe	1.8706	$0.00	WST 3,741.20	−WST 118.47
Remitly	1.8310	$0.00	WST 3,662.00	−WST 197.67
NAB	1.8115	$0.00	WST 3,623.07	−WST 236.60

Thu, 1 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9302	–	WST 3,860.42
OFX Cheapest	1.9177	$0.00	WST 3,835.33	−WST 25.09
Xe	1.8706	$0.00	WST 3,741.20	−WST 119.22
Remitly	1.8290	$0.00	WST 3,658.00	−WST 202.42
NAB	1.8115	$0.00	WST 3,623.07	−WST 237.35

Fri, 2 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9296	–	WST 3,859.24
OFX Cheapest	1.9171	$0.00	WST 3,834.15	−WST 25.09
Xe	1.8706	$0.00	WST 3,741.20	−WST 118.04
Remitly	1.8310	$0.00	WST 3,662.00	−WST 197.24
NAB	1.8115	$0.00	WST 3,622.93	−WST 236.31

Sat, 3 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.9323	–	WST 3,864.55
OFX Cheapest	1.9197	$0.00	WST 3,839.43	−WST 25.12
Xe	1.8805	$0.00	WST 3,761.10	−WST 103.45
Remitly	1.8448	$0.00	WST 3,689.60	−WST 174.95
NAB	1.8056	$0.00	WST 3,611.26	−WST 253.29

How to send money to Samoa from Australia with the best AUD-WST rate

Best companies for AUD/WST transfers