Best companies for AUD/WST transfers
7 of 7 providers Last updated on 28 September 2026
Based on 2,000 AUD transfer Best companies for AUD/WST transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $90.93 1 AUD = 1.9283 WST -0.07% vs mid-market	Recipient gets WST 3,681.18 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 $90.931 AUD = 1.9283 WST WST 3,681.18You pay$2,000.00
Ad MoneyGram Pay via Debit Card	Fees: $1.99 1 AUD = 1.8757 WST +2.69% vs mid-market	Recipient gets WST 3,751.40 6-12 Hours
2 reviews
Ways to receive money in Samoa with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $1.991 AUD = 1.8757 WST WST 3,751.40You pay$2,001.99 Cash pickup6-12 Hours $2.991 AUD = 1.8748 WST WST 3,749.60You pay$2,002.99
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 = 1.9144 WST +0.65% vs mid-market	Recipient gets WST 3,828.76 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 = 1.9144 WST WST 3,828.76You pay$2,000.00
Ria Money Transfer Pay via Credit Card	Fees: $2.89 1 AUD = 1.9013 WST +1.34% vs mid-market	Recipient gets WST 3,797.16 6-12 Hours
0 reviews
Ways to receive money in Samoa with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 1.9013 WST WST 3,797.16You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 1.8583 WST WST 3,711.32You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 1.7950 WST WST 3,584.87You pay$2,000.00

Ria Money Transfer Pay via Debit Card	Fees: $2.89 1 AUD = 1.9013 WST +1.34% vs mid-market	Recipient gets WST 3,797.16 6-12 Hours
0 reviews
Ways to receive money in Samoa with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 1.9013 WST WST 3,797.16You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 1.8583 WST WST 3,711.32You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 1.7950 WST WST 3,584.87You pay$2,000.00
Ria Money Transfer Pay via PayID	Fees: $2.89 1 AUD = 1.9013 WST +1.34% vs mid-market	Recipient gets WST 3,797.16 6-12 Hours
0 reviews
Ways to receive money in Samoa with Ria Money Transfer when paying by payid. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 1.9013 WST WST 3,797.16You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 1.8583 WST WST 3,711.32You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 1.7950 WST WST 3,584.87You pay$2,000.00
Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 1.8805 WST +2.44% 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 bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.8805 WST WST 3,761.10You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $1.99 1 AUD = 1.8757 WST +2.69% vs mid-market	Recipient gets WST 3,751.40 6-12 Hours
2 reviews
Ways to receive money in Samoa with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $1.991 AUD = 1.8757 WST WST 3,751.40You pay$2,001.99 Cash pickup6-12 Hours $2.991 AUD = 1.8748 WST WST 3,749.60You pay$2,002.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $1.99 1 AUD = 1.8757 WST +2.69% vs mid-market	Recipient gets WST 3,751.40 6-12 Hours
2 reviews
Ways to receive money in Samoa with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $1.991 AUD = 1.8757 WST WST 3,751.40You pay$2,001.99 Cash pickup6-12 Hours $2.991 AUD = 1.8748 WST WST 3,749.60You pay$2,002.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $32.99 1 AUD = 1.8757 WST +2.69% vs mid-market	Recipient gets WST 3,751.40 6-12 Hours
2 reviews
Ways to receive money in Samoa with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $32.991 AUD = 1.8757 WST WST 3,751.40You pay$2,032.99 Cash pickup6-12 Hours $32.991 AUD = 1.8748 WST WST 3,749.60You pay$2,032.99
Xe Pay via Debit Card	Fees: $6.00 1 AUD = 1.8805 WST +2.44% vs mid-market	Recipient gets WST 3,749.82 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 $6.001 AUD = 1.8805 WST WST 3,749.82You pay$2,000.00
Xe Pay via Credit Card	Fees: $15.00 1 AUD = 1.8805 WST +2.44% vs mid-market	Recipient gets WST 3,732.89 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 $15.001 AUD = 1.8805 WST WST 3,732.89You pay$2,000.00
Wise Pay via Bank Transfer	Fees: $90.93 1 AUD = 1.9283 WST -0.07% vs mid-market	Recipient gets WST 3,681.18 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 $90.931 AUD = 1.9283 WST WST 3,681.18You pay$2,000.00

Wise Pay via Osko	Fees: $90.93 1 AUD = 1.9283 WST -0.07% vs mid-market	Recipient gets WST 3,681.18 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 $90.931 AUD = 1.9283 WST WST 3,681.18You pay$2,000.00
Remitly Pay via PayTo	Fees: $0.00 1 AUD = 1.8399 WST +4.62% vs mid-market	Recipient gets WST 3,679.80 2 Days
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 deposit2 Days Free1 AUD = 1.8399 WST WST 3,679.80You pay$2,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 1.8380 WST +4.72% vs mid-market	Recipient gets WST 3,676.00 2 Days
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 deposit2 Days Free1 AUD = 1.8380 WST WST 3,676.00You pay$2,000.00

Remitly Pay via Credit Card	Fees: $20.00 1 AUD = 1.8380 WST +4.72% vs mid-market	Recipient gets WST 3,676.00 2 Days
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 deposit2 Days $20.001 AUD = 1.8380 WST WST 3,676.00You pay$2,020.00
Wise Pay via Debit Card	Fees: $96.05 1 AUD = 1.9283 WST -0.07% vs mid-market	Recipient gets WST 3,671.31 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 $96.051 AUD = 1.9283 WST WST 3,671.31You pay$2,000.00
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 1.8339 WST +4.94% vs mid-market	Recipient gets WST 3,667.86 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 = 1.8339 WST WST 3,667.86You pay$2,000.00
Wise Pay via Credit Card	Fees: $108.55 1 AUD = 1.9283 WST -0.07% vs mid-market	Recipient gets WST 3,647.21 Within a week
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Samoa with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $108.551 AUD = 1.9283 WST WST 3,647.21You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 1.9269 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 3,828.76 WST on $2,000.

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 7 ways to pay, including debit card, credit card, bank transfer, payid, poli, osko, 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 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.


$1,000	0.65%	$0.00	WST 1,914.20with bank transfer to bank deposit	+WST 55.48
$1,500	0.65%	$0.00	WST 2,871.30with bank transfer to bank deposit	+WST 80.23
$2,000This page	0.65%	$0.00	WST 3,828.76with bank transfer to bank deposit	+WST 101.05
$3,000	0.65%	$0.00	WST 5,741.49with bank transfer to bank deposit	+WST 153.55
$7,500	0.37%	$0.00	WST 14,397.00with bank transfer to bank deposit	+WST 311.22
$12,000	0.27%	$0.00	WST 23,058.27with bank transfer to bank deposit	+WST 472.90
$15,000	0.27%	$0.00	WST 28,821.62with bank transfer to bank deposit	+WST 588.07
$100,000	0.25%	$0.00	WST 192,186.73with bank transfer to bank deposit	+WST 2,653.21
$250,000	0.20%	$0.00	WST 480,717.89with bank transfer to bank deposit	+WST 6,842.24
$500,000	0.20%	$0.00	WST 961,250.65with bank transfer to bank deposit	+WST 8,851.38

Mid-market rate: 1 AUD = 1.9269 WST

Ways to send money from Australia to Samoa

7 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 $500 with Ria Money Transfer will get you 3,797.16 WST after a $2.89 fee and 1.34% 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

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 $2.89 in fees and 1.34% markup on a $2.89 transfer, and your WST arrives in 6-12 hours.

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.

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 $2,000 at -0.07% markup, and the WST sits in your account until you spend or transfer it.

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 $2,000 transfer, a bank like NAB adds 4.95% markup and delivers 3,667.86 WST, against 3,828.76 WST via OFX (the cheapest option).

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 $2,000 gives your recipient 3,828.76 WST.

You can fund the transfer with debit card, credit card, bank transfer, payid, poli, osko, 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 Samoa can collect WST through bank deposit, cash pickup, and mobile wallet.

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.

Receive WST in a mobile wallet

Use the mobile number registered to the recipient's supported wallet. 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 Samoa.

1

Bank transfer Bank deposit

You pay $2,000.00

WS$3,829

Cheapest
2

Debit card Bank deposit

You pay $2,000.00

WS$3,797

-WS$32
3

Credit card Bank deposit

You pay $2,000.00

WS$3,797

-WS$32
4

Payid Bank deposit

You pay $2,000.00

WS$3,797

-WS$32
5

Debit card Mobile wallet

You pay $2,001.99

WS$3,751

-WS$77

Show moreShow less

6

Credit card Mobile wallet

You pay $2,032.99

WS$3,751

-WS$77
7

Poli Mobile wallet

You pay $2,001.99

WS$3,751

-WS$77
8

Debit card Cash pickup

You pay $2,002.99

WS$3,750

-WS$79
9

Credit card Cash pickup

You pay $2,032.99

WS$3,750

-WS$79
10

Poli Cash pickup

You pay $2,002.99

WS$3,750

-WS$79
11

Payid Cash pickup

You pay $2,000.00

WS$3,711

-WS$117
12

Osko Bank deposit

You pay $2,000.00

WS$3,681

-WS$148
13

Payto Bank deposit

You pay $2,000.00

WS$3,680

-WS$149
14

Payid Mobile wallet

You pay $2,000.00

WS$3,585

-WS$244

Consider this before sending AUD to India

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/INR transfer options

For an $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 3,828.76 WST, which is 0.83% more than the next best option.

Fastest

OFX delivers 3,828.76 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.

Live AUD-WST Exchange Rate

Getting a better AUD to WST rate

Small changes in the AUD/WST rate can make a noticeable difference to the amount received, especially on a larger transfer.

Mid-market rate:1 AUD = 1.930322 WST

How we analyse the market

We track 7 companies sending AUD to Samoa, 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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