We compared 6 companies sending money from the United States to Kiribati. Regency FX is the best and cheapest, while Wise is the fastest.
Sending $7,000 with Regency FX gets your recipient 9,927.84 AUD at 1.4183 AUD per USD.
| 6 of 6 providers Last updated on 28 October 2026 | |||
| Based on 7,000 USD transfer Best companies for USD/AUD transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $26.68 1 USD = 1.4221 AUD 0.00% vs mid-market | Recipient gets $9,916.55 Within minutes | |
Ways to receive money in Kiribati with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $26.681 USD = 1.4221 AUD $9,916.55You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 1.4022 AUD +1.41% vs mid-market | Recipient gets $9,815.40 Minutes - 24 hours | |
Ways to receive money in Kiribati with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.4022 AUD $9,815.40You pay$7,000.00 | |||
Run a live search Showing top United States to Kiribati deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Kiribati. | |||
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 1.4183 AUD +0.27% vs mid-market | Recipient gets $9,927.84 Minutes - 24 hours | |
Ways to receive money in Kiribati with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.4183 AUD $9,927.84You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $26.68 1 USD = 1.4221 AUD 0.00% vs mid-market | Recipient gets $9,916.55 Within minutes | |
Ways to receive money in Kiribati with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $26.681 USD = 1.4221 AUD $9,916.55You pay$7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $40.50 1 USD = 1.4203 AUD +0.13% vs mid-market | Recipient gets $9,884.70 Same day | |
Ways to receive money in Kiribati with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $40.501 USD = 1.4203 AUD $9,884.70You pay$7,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 1.4022 AUD +1.41% vs mid-market | Recipient gets $9,815.40 Minutes - 24 hours | |
Ways to receive money in Kiribati with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.4022 AUD $9,815.40You pay$7,000.00 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 1.4022 AUD +1.41% vs mid-market | Recipient gets $9,766.32 Minutes - 24 hours | |
Ways to receive money in Kiribati with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 1.4022 AUD $9,766.32You pay$7,000.00 | |||
 Chase Pay via Bank transfer | Fee $0.00 1 USD = 1.3874 AUD +2.47% vs mid-market | Recipient gets $9,711.85 | |
Ways to receive money in Kiribati with Chase when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 1.3874 AUD $9,711.85You pay$7,000.00 | |||
 Wells Fargo Pay via Bank transfer | Fee $0.00 1 USD = 1.3790 AUD +3.08% vs mid-market | Recipient gets $9,652.83 | |
Ways to receive money in Kiribati with Wells Fargo when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 1.3790 AUD $9,652.83You pay$7,000.00 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 1.4022 AUD +1.41% vs mid-market | Recipient gets $9,520.94 Minutes - 24 hours | |
Ways to receive money in Kiribati with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 1.4022 AUD $9,520.94You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 1.4221 AUD Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Regency FX is the best option.
Regency FX was the cheapest on 28 of the 30 days it quoted $7,000 transfers to Kiribati.
For recurring transfers, I'd suggest using an app or a multi-currency account with Wise.
For large transfers, a broker like Regency FX is the best option.
How much you send will affect the best option for you right now.
You have 3 ways to pay for your transfer to Kiribati, including bank transfer, debit card, and credit card.
Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a day or two).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but its a bit more expensive.
I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).
First time round you'll need to confirm who you are.
An SSN isn't required, an ITIN or a foreign passport works with most companies here.
How much USD you send to Kiribati 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 Regency FX was the cheapest in 74% of the transfers from $5,000 it quoted, and in 74% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $500 | 0.16% | $0.00 | $709.80with bank transfer to bank deposit | +$12.24 | |
| $2,000 | 0.14% | $8.00 | $2,829.11with bank transfer to bank deposit | +$45.97 | |
| $5,000 | 0.00% | $21.11 | $7,079.83with bank transfer to bank deposit | +$92.08 | |
| $7,000This page | 0.27% | $0.00 | $9,927.84with bank transfer to bank deposit | +$153.29 | |
| $10,000 | 0.27% | $0.00 | $14,169.92with bank transfer to bank deposit | +$216.11 | |
| $50,000 | -0.01% | $121.94 | $70,879.72with bank transfer to bank deposit | +$719.87 | |
| $100,000 | 0.20% | $0.00 | $141,836.96with bank transfer to bank deposit | +$1,385.31 | |
| $250,000 | -0.01% | $481.29 | $354,935.37with bank transfer to bank deposit | +$3,314.03 |
Mid-market rate: 1 USD = 1.4221 AUD
The cheapest way to send USD to AUD 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 Regency FX), across 30 days of comparisons for 7,000 USD transfers to Kiribati.
Wed, Oct 28, 2026Mid-market rate$9,954.72 Regency FX $9,927.84 Chase $9,711.85Regency FX$9,927.84Wise$9,916.55Revolut$9,884.70Extra cost of a bank$215.99
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4302 | – | $10,011.58 | |
| | 1.4264 | $0.00 | $9,984.55 | −$27.03 |
| | 1.4302 | $26.68 | $9,973.31 | −$38.27 |
| | 1.4281 | $40.50 | $9,939.12 | −$72.46 |
| | 1.3956 | $0.00 | $9,769.46 | −$242.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4338 | – | $10,036.39 | |
| | 1.4299 | $0.00 | $10,009.29 | −$27.10 |
| | 1.4337 | $26.68 | $9,997.58 | −$38.81 |
| | 1.4317 | $40.50 | $9,963.91 | −$72.48 |
| | 1.3956 | $0.00 | $9,769.46 | −$266.93 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4389 | – | $10,072.38 | |
| | 1.4350 | $0.00 | $10,045.18 | −$27.20 |
| | 1.4388 | $26.68 | $10,033.56 | −$38.82 |
| | 1.4373 | $40.50 | $10,002.77 | −$69.61 |
| | 1.4037 | $0.00 | $9,826.12 | −$246.26 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4416 | – | $10,091.27 | |
| | 1.4377 | $0.00 | $10,064.02 | −$27.25 |
| | 1.4416 | $26.68 | $10,052.39 | −$38.88 |
| | 1.4399 | $40.50 | $10,020.80 | −$70.47 |
| | 1.4057 | $0.00 | $9,839.57 | −$251.70 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4432 | – | $10,102.47 | |
| | 1.4393 | $0.00 | $10,075.19 | −$27.28 |
| | 1.4375 | $26.68 | $10,024.15 | −$78.32 |
| | 1.4344 | $110.50 | $9,882.04 | −$220.43 |
| | 1.4057 | $0.00 | $9,839.57 | −$262.90 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4432 | – | $10,102.47 | |
| | 1.4393 | $0.00 | $10,075.19 | −$27.28 |
| | 1.4375 | $26.68 | $10,024.15 | −$78.32 |
| | 1.4344 | $110.50 | $9,882.04 | −$220.43 |
| | 1.4023 | $0.00 | $9,816.10 | −$286.37 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4402 | – | $10,081.15 | |
| | 1.4363 | $0.00 | $10,053.94 | −$27.21 |
| | 1.4401 | $26.68 | $10,042.21 | −$38.94 |
| | 1.4379 | $40.50 | $10,007.24 | −$73.91 |
| | 1.4046 | $0.00 | $9,832.35 | −$248.80 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4357 | – | $10,049.68 | |
| | 1.4318 | $0.00 | $10,022.54 | −$27.14 |
| | 1.4358 | $26.68 | $10,011.94 | −$37.74 |
| | 1.4339 | $40.50 | $9,979.51 | −$70.17 |
| | 1.4006 | $0.00 | $9,804.15 | −$245.53 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4347 | – | $10,042.62 | |
| | 1.4308 | $0.00 | $10,015.50 | −$27.12 |
| | 1.4347 | $26.68 | $10,004.76 | −$37.86 |
| | 1.4327 | $40.50 | $9,971.20 | −$71.42 |
| | 1.3996 | $0.00 | $9,797.12 | −$245.50 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4391 | – | $10,073.71 | |
| | 1.4352 | $0.00 | $10,046.51 | −$27.20 |
| | 1.4394 | $26.68 | $10,037.19 | −$36.52 |
| | 1.4376 | $40.50 | $10,004.93 | −$68.78 |
| | 1.4034 | $0.00 | $9,823.88 | −$249.83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4323 | – | $10,026.00 | |
| | 1.4284 | $0.00 | $9,998.92 | −$27.08 |
| | 1.4323 | $26.68 | $9,987.54 | −$38.45 |
| | 1.4304 | $40.50 | $9,954.85 | −$71.15 |
| | 1.4034 | $0.00 | $9,823.88 | −$202.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4355 | – | $10,048.81 | |
| | 1.4317 | $0.00 | $10,021.68 | −$27.13 |
| | 1.4317 | $26.68 | $9,983.98 | −$64.83 |
| | 1.4282 | $110.50 | $9,839.82 | −$208.99 |
| | 1.3967 | $0.00 | $9,776.92 | −$271.89 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4355 | – | $10,048.81 | |
| | 1.4317 | $0.00 | $10,021.68 | −$27.13 |
| | 1.4317 | $26.68 | $9,983.98 | −$64.83 |
| | 1.4282 | $110.50 | $9,839.82 | −$208.99 |
| | 1.3967 | $0.00 | $9,776.92 | −$271.89 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4325 | – | $10,027.22 | |
| | 1.4286 | $0.00 | $10,000.15 | −$27.07 |
| | 1.4329 | $26.68 | $9,991.86 | −$35.36 |
| | 1.4312 | $40.50 | $9,960.34 | −$66.88 |
| | 1.3969 | $0.00 | $9,778.35 | −$248.87 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4357 | – | $10,049.68 | |
| | 1.4318 | $0.00 | $10,022.54 | −$27.14 |
| | 1.4357 | $26.68 | $10,011.25 | −$38.43 |
| | 1.4338 | $40.50 | $9,978.22 | −$71.46 |
| | 1.4002 | $0.00 | $9,801.50 | −$248.18 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4274 | – | $9,992.00 | |
| | 1.4236 | $0.00 | $9,965.02 | −$26.98 |
| | 1.4275 | $26.68 | $9,954.07 | −$37.93 |
| | 1.4255 | $40.50 | $9,920.68 | −$71.32 |
| | 1.3922 | $0.00 | $9,745.52 | −$246.48 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4405 | – | $10,083.33 | |
| | 1.4366 | $0.00 | $10,056.11 | −$27.22 |
| | 1.4405 | $26.68 | $10,045.14 | −$38.19 |
| | 1.4384 | $40.50 | $10,010.26 | −$73.07 |
| | 1.3922 | $0.00 | $9,745.52 | −$337.81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4372 | – | $10,060.65 | |
| | 1.4334 | $0.00 | $10,033.49 | −$27.16 |
| | 1.4373 | $26.68 | $10,022.75 | −$37.90 |
| | 1.4353 | $40.50 | $9,989.12 | −$71.53 |
| | 1.4019 | $0.00 | $9,813.47 | −$247.18 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4360 | – | $10,051.69 | |
| | 1.4397 | $26.68 | $10,039.35 | −$12.34 |
| | 1.4321 | $0.00 | $10,024.55 | −$27.14 |
| | 1.4367 | $110.50 | $9,897.84 | −$153.85 |
| | 1.4044 | $0.00 | $9,830.82 | −$220.87 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4360 | – | $10,051.69 | |
| | 1.4397 | $26.68 | $10,039.35 | −$12.34 |
| | 1.4321 | $0.00 | $10,024.55 | −$27.14 |
| | 1.4367 | $110.50 | $9,897.84 | −$153.85 |
| | 1.4044 | $0.00 | $9,830.82 | −$220.87 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4335 | – | $10,034.55 | |
| | 1.4296 | $0.00 | $10,007.46 | −$27.09 |
| | 1.4335 | $26.68 | $9,996.18 | −$38.37 |
| | 1.4317 | $40.50 | $9,963.77 | −$70.78 |
| | 1.3981 | $0.00 | $9,786.43 | −$248.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4294 | – | $10,006.00 | |
| | 1.4256 | $0.00 | $9,978.99 | −$27.01 |
| | 1.4295 | $26.68 | $9,968.29 | −$37.71 |
| | 1.3981 | $0.00 | $9,786.43 | −$219.57 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4235 | – | $9,964.70 | |
| | 1.4197 | $0.00 | $9,937.79 | −$26.91 |
| | 1.4236 | $26.68 | $9,927.15 | −$37.55 |
| | 1.4215 | $40.50 | $9,892.58 | −$72.12 |
| | 1.3882 | $0.00 | $9,717.60 | −$247.10 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4253 | – | $9,977.12 | |
| | 1.4215 | $0.00 | $9,950.18 | −$26.94 |
| | 1.4253 | $26.68 | $9,939.14 | −$37.98 |
| | 1.4238 | $40.50 | $9,908.80 | −$68.32 |
| | 1.3893 | $0.00 | $9,725.24 | −$251.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4244 | – | $9,970.78 | |
| | 1.4206 | $0.00 | $9,943.86 | −$26.92 |
| | 1.4245 | $26.68 | $9,933.49 | −$37.29 |
| | 1.4223 | $40.50 | $9,898.50 | −$72.28 |
| | 1.3880 | $0.00 | $9,716.24 | −$254.54 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4335 | – | $10,034.40 | |
| | 1.4296 | $0.00 | $10,007.31 | −$27.09 |
| | 1.4214 | $26.68 | $9,911.60 | −$122.80 |
| | 1.4176 | $110.50 | $9,766.42 | −$267.98 |
| | 1.3860 | $0.00 | $9,702.00 | −$332.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4335 | – | $10,034.40 | |
| | 1.4296 | $0.00 | $10,007.31 | −$27.09 |
| | 1.4214 | $26.68 | $9,911.60 | −$122.80 |
| | 1.4176 | $110.50 | $9,766.42 | −$267.98 |
| | 1.3860 | $0.00 | $9,702.00 | −$332.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4233 | – | $9,963.28 | |
| | 1.4195 | $0.00 | $9,936.37 | −$26.90 |
| | 1.4233 | $26.68 | $9,924.99 | −$38.28 |
| | 1.4210 | $40.50 | $9,889.76 | −$73.51 |
| | 1.3877 | $0.00 | $9,713.74 | −$249.53 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4253 | – | $9,977.41 | |
| | 1.4215 | $0.00 | $9,950.47 | −$26.94 |
| | 1.4253 | $26.68 | $9,939.14 | −$38.27 |
| | 1.4235 | $40.50 | $9,906.82 | −$70.59 |
| | 1.3896 | $0.00 | $9,726.91 | −$250.50 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.4221 | – | $9,954.72 | |
| | 1.4183 | $0.00 | $9,927.84 | −$26.88 |
| | 1.4221 | $26.68 | $9,916.55 | −$38.17 |
| | 1.4203 | $40.50 | $9,884.70 | −$70.02 |
| | 1.3874 | $0.00 | $9,711.85 | −$242.87 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 1.4221 | – | $9,954.72 | |
|---|---|---|---|---|
| Bank No quote collected this day | – | – | – | – |
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Each line shows what the recipient gets when you send $7,000, after fees, as quoted by each company. The mid-market line shows what $7,000 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 AUD per USD 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 AUD on every transfer from US.
Right now, Regency FX pays 9,927.84 AUD on 7,000 USD, which is 26.88 AUD less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 10,075.19 AUD.
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.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Kiribati.
We've tracked 207 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.
Cheapest in 80% of them
Cheapest in 25% of them
Cheapest in 4% of them
Never the cheapest
Based on 56 comparisons across 8 amounts over the last 7 days.
Cheapest in 74% of them
Cheapest in 29% of them
Cheapest in 10% of them
Never the cheapest
Based on 207 comparisons across 8 amounts over the last 30 days.
Cheapest in 83% of them
Cheapest in 26% of them
Cheapest in 10% of them
Never the cheapest
Based on 504 comparisons across 8 amounts over the last 90 days.
Different companies can come out cheapest depending on the day and the amount you send.
To keep things fair, we only count the comparisons each company appeared in, and only analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today Regency FX is the cheapest and gets you the most AUD, and it was also the cheapest in 74% of the 117 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Kiribati.
Wise (today's second cheapest) was the cheapest in only 29% of its comparisons, so it's rarely the cheapest option for transfers to Kiribati.
There are 6 companies available for sending money from the US to Kiribati, across app, broker, online, multi-currency account, global account, and bank, and more.
For regular transfers home
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
Wise charges $26.68 on a $7,000 transfer with 0% markup, saves your recipient's details for next time, and AUD arrives in same day.
Over the past month, Wise was the cheapest app on 100% of the days it appeared for $7,000 transfers.
Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.
For one-off transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Kiribati.
Of all online companies listed here, Wise gets you the most AUD per USD.
On a $7,000 transfer, you will get 9,916.55 AUD after a $26.68 fee and 0% markup.
In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.
But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.
For transfers over $10,000
For large transfers to Kiribati (e.g. a property purchase, tuition, or moving to Kiribati), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/AUD that gets lower the more you send.
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from $5,000 it quoted.
It's also good to check Wise since you get a bulk discount on transfers over $25,000.
Only if you have to
Wiring money abroad from your bank is the most expensive option.
On a $7,000 transfer, a bank like Chase gets your recipient 9,711.85 AUD, against 9,927.84 AUD with Regency FX (the overall cheapest option).
We found Chase was the cheapest bank on 30 of the 30 days it appeared for this amount.
The wire "feels" official, but regulated money transfer companies are just as safe with their own protection and rules.
Business payments from the US
Global accounts are for US businesses paying people abroad.
Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.
Holding & spending currencies
A multi-currency account like Wise is the best for holding and receiving AUD.
This is useful for traveling to Kiribati, building up AUD balance, or receiving payments in AUD.
Wise converts $7,000 at 0% markup plus small fee and holds the AUD until you spend it.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 9,927.84 AUD.
Our data shows that Regency FX gets your recipient 215.99 AUD more than Chase, today's cheapest bank, on the same $7,000.
Deposit USD by bank transfer, debit card, and credit card.
The simplest way is to pay from your US checking account
Pay by bank transfer using your routing and account numbers.
An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Kiribati.
Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Kiribati.
Your recipient in Kiribati can collect AUD through bank deposit.
You pay $7,000.00
A$9,928
Cheapest
You pay $7,000.00
A$9,766
-A$162
You pay $7,000.00
A$9,521
-A$407
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
Cheapest way to send money to Kiribati
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 9,927.84 AUD, which is 0.11% more than the next best option.
Fastest way to send money to Kiribati
The fastest option is Wise. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 9,916.55 AUD, with the money arriving in same day.
Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.
Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.
The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.
There is no federal cap on how much of your own money you can send electronically abroad.
Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.
Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.
Do not split cash transactions to avoid a report.
The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.
You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.
You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.
Contact the company first and keep the receipt.
For transfers over $10,000, Wise is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Kiribati.
While Wise may not always be the cheapest or fastest way to send AUD, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Kiribati and United States.
We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 207 comparisons across 8 amounts.
This page covers the cheapest and fastest options for USD/AUD 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.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
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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