Wise is the cheapest way to send money from Canada to Australia based on the 11 companies we analyzed, giving your recipient 999.66 AUD from $1,000.
| 11 of 11 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze CAD/AUD exchange rates from our comparisons. | |||
| Based on 1,000 CAD transfer Best companies for CAD/AUD transfersAll money transfer offers for CAD/AUD transfers, sorted by most AUD received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Ad  Wise Pay via Bank Transfer | Fees: $6.45 1 CAD = 1.0062 AUD -0.01% vs mid-market | Recipient gets $999.66 Within a week | |
Ways to receive money in Australia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $6.451 CAD = 1.0062 AUD $999.66You pay$1,000.00 | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $4.99 1 CAD = 0.9830 AUD +2.31% vs mid-market | Recipient gets $983.00 6-12 Hours | |
Ways to receive money in Australia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 0.9830 AUD $983.00You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 0.9830 AUD $983.00You pay$1,005.99 | |||
Run a live search Showing top Canada to Australia deals for 1,000 CAD. 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 CAD to AUD rates. | |||
Run a live search These companies offer multi-currency accounts for spending AUD. We suggest doing a live search based on how much CAD you're planning to spend in Australia. | |||
Run a live search These are managed services with real human support for large CAD transfers. Click the link and update the transfer amount to get the best deal. | |||
 Paysend Pay via Debit Card | Fees: $0.00 1 CAD = 1.0020 AUD +0.40% vs mid-market | Recipient gets $1,002.03 6-12 Hours | |
Ways to receive money in Australia with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.0020 AUD $1,002.03You pay$1,000.00 | |||
| Paysend Pay via Credit Card | Fees: $0.00 1 CAD = 1.0020 AUD +0.40% vs mid-market | Recipient gets $1,002.03 6-12 Hours | |
Ways to receive money in Australia with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.0020 AUD $1,002.03You pay$1,000.00 | |||
 Koho Pay via Bank Transfer | Fees: $3.92 1 CAD = 1.0057 AUD +0.03% vs mid-market | Recipient gets $1,001.76 Within minutes | |
Ways to receive money in Australia with Koho when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $3.921 CAD = 1.0057 AUD $1,001.76You pay$1,000.00 PayIDWithin minutesAvailable via:PayID $3.921 CAD = 1.0057 AUD $1,001.76You pay$1,000.00 | |||
 Remitly Pay via Bank Transfer | Fees: $0.00 1 CAD = 1.0001 AUD +0.59% vs mid-market | Recipient gets $1,000.10 2 Days | |
Ways to receive money in Australia with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 1.0001 AUD $1,000.10You pay$1,000.00 | |||
| Remitly Pay via Interac | Fees: $0.00 1 CAD = 1.0001 AUD +0.59% vs mid-market | Recipient gets $1,000.10 2 Days | |
Ways to receive money in Australia with Remitly when paying by interac. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 1.0001 AUD $1,000.10You pay$1,000.00 | |||
| Wise Pay via Bank Transfer | Fees: $6.45 1 CAD = 1.0062 AUD -0.01% vs mid-market | Recipient gets $999.66 Within a week | |
Ways to receive money in Australia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $6.451 CAD = 1.0062 AUD $999.66You pay$1,000.00 | |||
 OFX Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.9995 AUD +0.65% vs mid-market | Recipient gets $999.47 6-12 Hours | |
Ways to receive money in Australia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 0.9995 AUD $999.47You pay$1,000.00 | |||
 TapTap Send Pay via Debit Card | Fees: $0.00 1 CAD = 0.9980 AUD +0.80% vs mid-market | Recipient gets $998.00 Minutes | |
Ways to receive money in Australia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 CAD = 0.9980 AUD $998.00You pay$1,000.00 | |||
 CurrencyFair Pay via Bank Transfer | Fees: $3.98 1 CAD = 0.9991 AUD +0.69% vs mid-market | Recipient gets $995.10 6-12 Hours | |
Ways to receive money in Australia with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $3.981 CAD = 0.9991 AUD $995.10You pay$1,000.00 | |||
| Wise Pay via Interac | Fees: $12.17 1 CAD = 1.0062 AUD -0.01% vs mid-market | Recipient gets $993.91 Within minutes | |
Ways to receive money in Australia with Wise when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $12.171 CAD = 1.0062 AUD $993.91You pay$1,000.00 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 CAD = 0.9890 AUD +1.71% vs mid-market | Recipient gets $989.02 Next Day | |
Ways to receive money in Australia with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 0.9890 AUD $989.02You pay$1,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.9890 AUD +1.71% vs mid-market | Recipient gets $989.02 Next Day | |
Ways to receive money in Australia with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 0.9890 AUD $989.02You pay$1,000.00 | |||
| Wise Pay via Debit Card | Fees: $17.50 1 CAD = 1.0062 AUD -0.01% vs mid-market | Recipient gets $988.54 Within minutes | |
Ways to receive money in Australia with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $17.501 CAD = 1.0062 AUD $988.54You pay$1,000.00 | |||
| Remitly Pay via Debit Card | Fees: $0.00 1 CAD = 0.9873 AUD +1.88% vs mid-market | Recipient gets $987.30 2 Days | |
Ways to receive money in Australia with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 0.9873 AUD $987.30You pay$1,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 CAD = 0.9873 AUD +1.88% vs mid-market | Recipient gets $987.30 2 Days | |
Ways to receive money in Australia with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 CAD = 0.9873 AUD $987.30You pay$1,020.00 | |||
 Moneycorp Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.9859 AUD +2.00% vs mid-market | Recipient gets $985.89 Next Day | |
Ways to receive money in Australia with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 0.9859 AUD $985.89You pay$1,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $4.99 1 CAD = 0.9830 AUD +2.31% vs mid-market | Recipient gets $983.00 6-12 Hours | |
Ways to receive money in Australia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 0.9830 AUD $983.00You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 0.9830 AUD $983.00You pay$1,005.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $4.99 1 CAD = 0.9830 AUD +2.31% vs mid-market | Recipient gets $983.00 6-12 Hours | |
Ways to receive money in Australia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 0.9830 AUD $983.00You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 0.9830 AUD $983.00You pay$1,005.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fees: $4.99 1 CAD = 0.9830 AUD +2.31% vs mid-market | Recipient gets $983.00 6-12 Hours | |
Ways to receive money in Australia with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 0.9830 AUD $983.00You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 0.9830 AUD $983.00You pay$1,005.99 | |||
 TD Bank Pay via Bank Transfer | Fees: $0.00 1 CAD = 0.9763 AUD +3.00% vs mid-market | Recipient gets $976.30 | |
Ways to receive money in Australia with TD Bank when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 CAD = 0.9763 AUD $976.30You pay$1,000.00 | |||
| Wise Pay via Credit Card | Fees: $32.25 1 CAD = 1.0062 AUD -0.01% vs mid-market | Recipient gets $973.70 Within minutes | |
Ways to receive money in Australia with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $32.251 CAD = 1.0062 AUD $973.70You pay$1,000.00 | |||
| How Our Results Work Mid-market rate: 1 CAD = 1.006014 AUD Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Wise at 999.66 AUD on $1,000.
More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.
You have 5 ways to pay, including bank transfer, debit card, credit card, interac, and cash deposit.
Interac e-Transfer is how most companies take your money, moving it into their Canadian account so they can carry it over the border.
First time round you'll need a photo ID, and often where the money came from.
Your first transfer will be slower than the ones after it because of those checks, so send it a few days before it's needed.
There are 11 companies sending money to India, but how you send depends on your needs.
Most common option
Hand your cash over the counter and your recipient can collect it the same day without needing an app or bank account.
Bring $1,000 in cash to the closest Western Union location, and your recipient picks up 989.02 AUD within minutes.
Cash transfers cost more
Cash transfer to Australia is usually the most expensive option, compare your options above to get the best deal.
For transfers home
An app does the same job as the store for less, and you top it up with an Interac e-Transfer, the same way you'd send money to a friend.
Wise charges $6.45 in fees and adds -0.02% markup, so your $1,000 delivers 999.66 AUD in within a week.
You don't need a SIN to sign up either, a passport works.
For one-off transfers
For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.
Of 11 online companies, Wise is the cheapest and currently gets you 999.66 AUD on a $1,000 transfer after a $6.45 fee and -0.02% markup.
Funding by bank transfer (EFT) is cheapest but takes 1-2 days to clear, and Interac e-Transfer or debit card is faster but pricier.
The most expensive way
A wire from your bank carries a $30 to $80 fee, plus another 1.5 to 3% inside the exchange rate that you won't see itemized anywhere.
On a $1,000 transfer, a bank like TD Bank delivers 976.3 AUD, against 976.3 AUD with Wise.
The wire can feel like the safer choice for a big amount, but bank deposit insurance and the safeguards used by money transfer companies are just as safe, just different protections.
For large transfers from Canada
For property, tuition, moving from Canada, or an inheritance, a broker is the best and usually the cheapest option.
Brokers like OFX charge no fees but add 0.65% on CAD/AUD interbank rate.
The markup gets lower the more you send, with an account manager handling it end to end.
If you're sending large amounts. expect more questions about the transfers, so have statements and documents ready to avoid delays.
If you already have one
Some neobanks in Canada include international transfers with no transfer fee as part of the account.
Koho sends your $1,000 for $3.92 in fees with 0.03% markup.
It's a good option for small ocasional transfers, but I still suggest .
For businesses paying abroad
Global accounts handle the business side, paying suppliers, contractors and overseas invoices in AUD.
Companies like OFX, Airwallex, or WorldFirst are set up for the batch and recurring payments a personal app can't do.
For spending abroad and getting paid
If part of your life runs in AUD, be it spending it, saving it, or waiting for a better rate, a multi-currency account can hold it alongside your CAD.
Wise lets you hold CAD and AUD, and convert between them at low cost.
For example, converting $1,000 costs $6.45 in fees at -0.02% markup, which gets you 999.66 AUD.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $1,000 gives your recipient 999.66 AUD.
Deposit CAD using bank transfer, debit card, credit card, interac, and cash deposit.
I suggest using Interac e-Transfer for simplicity
Follow the company's Interac instructions and check the business name before sending.
Do not send to an email address supplied outside the company's app or website.
The recipient can receive AUD through bank deposit, payid, and cash pickup.
For a bank deposit payout, you will need the recipient's bank details in Australia.
You pay $1,000.00
$1,002
Cheapest
You pay $1,000.00
$1,002
$0
You pay $1,000.00
$1,002
-$0.27
You pay $1,000.00
$1,002
-$0.27
You pay $1,000.00
$1,000
-$2
You pay $1,005.99
$983
-$19
You pay $1,005.99
$983
-$19
You pay $1,004.99
$983
-$19
You pay $1,005.99
$983
-$19
Interac can fund an international transfer, but it does not send money abroad by itself. You should also know what happens when a transfer reaches the FINTRAC reporting threshold.
For a $1,000 transfer to Australia, these are the cheapest, fastest and easiest options available now.
Best way to send money to Australia
Wise is the cheapest and easiest option, funded by bank transfer with bank deposit for the payout. Your recipient gets 999.66 AUD, which is 0.02% more than the next best option.
Fastest way to send money to Australia
TapTap Send is fastest when you pay by debit card and choose bank deposit for the payout. The transfer delivers 998 AUD in minutes.
An Interac e-Transfer cannot go directly to a recipient in Australia.
When a transfer company accepts Interac, you send CAD to its Canadian account and the company handles the international side over its own network.
There is no C$10,000 legal cap on electronic transfers from Canada.
A reporting entity must report an international electronic funds transfer of C$10,000 or more to FINTRAC, including linked transfers that meet the 24-hour rule.
The bank or transfer company makes that report, you do not file it yourself.
But you may be asked for proof of where the money came from.
Sending your own cash or making a genuine cash gift does not create a Canadian gift tax simply because the money goes abroad.
Tax can become relevant when you transfer an appreciated asset rather than cash, or when attribution rules apply.
Money held with a payment company is not covered by CDIC in the same way as an eligible bank deposit.
Payment companies covered by the Retail Payment Activities Act must safeguard end-user funds, but the Bank of Canada does not resolve individual fee or payment disputes.
If you’re unsure about the company, you can check the company in the FINTRAC MSB Registry.
If you live in Quebec, also confirm that it is allowed to provide money services there.
The rate has a direct impact on the AUD amount received. The last seven days show how today's CAD quote compares with the recent market.
Mid-market rate:1 CAD = 1.006333 AUD
Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.
That covers 11 FINTRAC-registered companies sending CAD to Australia, updated in real time during a live search, compared on rates, fees and how your recipient can collect.
Each goes through our review. 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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