Best companies for AUD/USD transfers
14 of 14 providers Last updated on 2 September 2026 This page updates weekly. We collect, store, and analyze AUD/USD exchange rates from our comparisons. This page updates weekly. We collect, store, and analyze AUD/USD exchange rates from our comparisons.
Based on 1,000 AUD transfer Best companies for AUD/USD transfers All money transfer offers for AUD/USD transfers, sorted by most USD received. The first two offers may be sponsored promotions. Some offers here pay us a commission. All money transfer offers for AUD/USD transfers, sorted by most USD received. The first two offers may be sponsored promotions. Some offers here pay us a commission. Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $5.06 1 AUD = 0.7147 USD 0.00% vs mid-market	Recipient gets $711.08 Within 3 hours
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $5.061 AUD = 0.7147 USD $711.08You pay$1,000.00
Ad MoneyGram Pay via Debit Card	Fees: $0.00 1 AUD = 0.7050 USD +1.37% vs mid-market	Recipient gets $705.00 6-12 Hours
2 reviews
Ways to receive money in US with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks Free1 AUD = 0.7050 USD $705.00You pay$1,000.00 Cash pickup6-12 Hours $3.991 AUD = 0.6737 USD $673.70You pay$1,003.99
Run a live search Showing top Australia to United States deals for 1,000 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 USD rates.
Run a live search These companies offer multi-currency accounts for spending USD. We suggest doing a live search based on how much AUD you're planning to spend in United States.
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.
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 0.7164 USD -0.24% vs mid-market	Recipient gets $716.44 Next Day
8 reviews CheapestUsing Debit Card with Western Union is the cheapest way to send money to United States from Australia. Using Debit Card with Western Union is the cheapest way to send money to United States from Australia. Receive to bank account or cash pickup
Ways to receive money in US with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 0.7164 USD $716.44You pay$1,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.7164 USD -0.24% vs mid-market	Recipient gets $716.44 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in US with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 0.7164 USD $716.44You pay$1,000.00
Africhange Pay via Bank Transfer	Fees: $6.60 1 AUD = 0.7146 USD +0.01% vs mid-market	Recipient gets $714.57 Minutes
0 reviews Receive to bank account or debit card
Ways to receive money in US with Africhange when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes $6.601 AUD = 0.7146 USD $714.57You pay$1,006.60
Remitly Pay via PayTo	Fees: $0.00 1 AUD = 0.7127 USD +0.28% vs mid-market	Recipient gets $712.70 2 Days
15 reviews Receive to bank account or cash pickup
Ways to receive money in US with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 0.7127 USD $712.70You pay$1,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank Transfer	Fees: $1.50 1 AUD = 0.7131 USD +0.22% vs mid-market	Recipient gets $712.01 Same day
10 reviews Receive to bank account
Ways to receive money in US with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $1.501 AUD = 0.7131 USD $712.01You pay$1,000.00
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.
Wise Pay via Bank Transfer	Fees: $5.06 1 AUD = 0.7147 USD 0.00% vs mid-market	Recipient gets $711.08 Within 3 hours
25 reviews RecommendedBased on our editorial reviews, Wise is our recommended way to send money from Australia to United States. Based on our editorial reviews, Wise is our recommended way to send money from Australia to United States. Receive to bank accountDedicated support for large transfers
Ways to receive money in US with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $5.061 AUD = 0.7147 USD $711.08You pay$1,000.00

Wise Pay via Osko	Fees: $5.06 1 AUD = 0.7147 USD 0.00% vs mid-market	Recipient gets $711.08 Within 3 hours
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in US with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $5.061 AUD = 0.7147 USD $711.08You pay$1,000.00
OFX Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.7101 USD +0.65% vs mid-market	Recipient gets $710.05 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in US with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.7101 USD $710.05You pay$1,000.00
Wise Pay via Debit Card	Fees: $7.83 1 AUD = 0.7147 USD 0.00% vs mid-market	Recipient gets $709.10 Within 3 hours
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in US with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $7.831 AUD = 0.7147 USD $709.10You pay$1,000.00
TapTap Send Pay via Debit Card	Fees: $0.00 1 AUD = 0.7060 USD +1.22% vs mid-market	Recipient gets $706.00 Minutes
0 reviews FastestTapTap Send with Debit Card deposit is the fastest way to send AUD to United States. TapTap Send with Debit Card deposit is the fastest way to send AUD to United States. Receive to bank account
Ways to receive money in US with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AUD = 0.7060 USD $706.00You pay$1,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $0.00 1 AUD = 0.7050 USD +1.37% vs mid-market	Recipient gets $705.00 6-12 Hours
2 reviews
Ways to receive money in US with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks Free1 AUD = 0.7050 USD $705.00You pay$1,000.00 Cash pickup6-12 Hours $3.991 AUD = 0.6737 USD $673.70You pay$1,003.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $0.00 1 AUD = 0.7050 USD +1.37% vs mid-market	Recipient gets $705.00 6-12 Hours
2 reviews
Ways to receive money in US with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks Free1 AUD = 0.7050 USD $705.00You pay$1,000.00 USDC6-12 HoursAvailable via:USDC Wallet $13.121 AUD = 0.6927 USD $692.70You pay$1,013.12 Cash pickup6-12 Hours $3.991 AUD = 0.6737 USD $673.70You pay$1,003.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $17.99 1 AUD = 0.7050 USD +1.37% vs mid-market	Recipient gets $705.00 6-12 Hours
2 reviews
Ways to receive money in US with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $17.991 AUD = 0.7050 USD $705.00You pay$1,017.99 USDC6-12 HoursAvailable via:USDC Wallet $13.121 AUD = 0.6927 USD $692.70You pay$1,013.12 Cash pickup6-12 Hours $17.991 AUD = 0.6737 USD $673.70You pay$1,017.99
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 0.7047 USD +1.41% vs mid-market	Recipient gets $704.70 2 Days
15 reviews Receive to bank account or cash pickup
Ways to receive money in US with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 0.7047 USD $704.70You pay$1,000.00

Remitly Pay via Credit Card	Fees: $10.00 1 AUD = 0.7047 USD +1.41% vs mid-market	Recipient gets $704.70 2 Days
15 reviews Receive to bank account or cash pickup
Ways to receive money in US with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $10.001 AUD = 0.7047 USD $704.70You pay$1,010.00
Wise Pay via Credit Card	Fees: $14.58 1 AUD = 0.7147 USD 0.00% vs mid-market	Recipient gets $704.28 Within 3 hours
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in US with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $14.581 AUD = 0.7147 USD $704.28You pay$1,000.00
Orbit Remit Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.7007 USD +1.98% vs mid-market	Recipient gets $700.67 2 Days
0 reviews
Ways to receive money in US with Orbit Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 0.7007 USD $700.67You pay$1,000.00
Moneycorp Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.7004 USD +2.00% vs mid-market	Recipient gets $700.41 Next Day
0 reviews
Ways to receive money in US with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 0.7004 USD $700.41You pay$1,000.00
Panda Remit Pay via Bank Transfer	Fees: $5.99 1 AUD = 0.7022 USD +1.76% vs mid-market	Recipient gets $697.99 6-12 Hours
0 reviews
Ways to receive money in US with Panda Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $5.991 AUD = 0.7022 USD $697.99You pay$1,000.00
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.6964 USD +2.60% vs mid-market	Recipient gets $696.38 3-5 Days
0 reviews
Ways to receive money in US with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 0.6964 USD $696.38You pay$1,000.00
Ria Money Transfer Pay via Bank Transfer	Fees: $0.00 1 AUD = 0.6960 USD +2.65% vs mid-market	Recipient gets $696.00 6-12 Hours
0 reviews
Ways to receive money in US with Ria Money Transfer when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.6960 USD $696.00You pay$1,000.00 Cash pickup6-12 Hours Free1 AUD = 0.6904 USD $690.40You pay$1,000.00

Ria Money Transfer Pay via Mobile wallet	Fees: $0.00 1 AUD = 0.6960 USD +2.65% vs mid-market	Recipient gets $696.00 6-12 Hours
0 reviews
Ways to receive money in US with Ria Money Transfer when paying by mobile wallet. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.6960 USD $696.00You pay$1,000.00 Cash pickup6-12 Hours Free1 AUD = 0.6904 USD $690.40You pay$1,000.00
Ria Money Transfer Pay via Debit Card	Fees: $2.89 1 AUD = 0.6960 USD +2.65% vs mid-market	Recipient gets $693.99 6-12 Hours
0 reviews
Ways to receive money in US with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 0.6960 USD $693.99You pay$1,000.00 Cash pickup6-12 Hours $2.891 AUD = 0.6904 USD $688.40You pay$1,000.00

Ria Money Transfer Pay via Credit Card	Fees: $2.89 1 AUD = 0.6960 USD +2.65% vs mid-market	Recipient gets $693.99 6-12 Hours
0 reviews
Ways to receive money in US with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 0.6960 USD $693.99You pay$1,000.00 Cash pickup6-12 Hours $2.891 AUD = 0.6904 USD $688.40You pay$1,000.00
Paysend Pay via Debit Card	Fees: $0.00 1 AUD = 0.6933 USD +3.04% vs mid-market	Recipient gets $693.29 6-12 Hours
0 reviews
Ways to receive money in US with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.6933 USD $693.29You pay$1,000.00

Paysend Pay via Credit Card	Fees: $0.00 1 AUD = 0.6933 USD +3.04% vs mid-market	Recipient gets $693.29 6-12 Hours
0 reviews
Ways to receive money in US with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 0.6933 USD $693.29You pay$1,000.00
How Our Results Work Mid-market rate: 1 AUD = 0.714700 USD Updates every 60 minutes.

Why compare

AUD/USD exchange rate

Best ways to pay & receive

Transfer speed

Historic AUD/USD options

How to send money from Australia to US

Pick a company

Start with the cheapest, which is Western Union at 716.44 USD on $1,000.

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 bank transfer, debit card, credit card, payto, osko, poli, and mobile wallet.

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).

Ways to send money from Australia to US

12 money transfer companies let you send money from Australia to United States.

Cheapest for most transfers

Online transfers

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

For example, sending $500 with Western Union will get you 716.44 USD after a $0 fee and -0.24% 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.

Western Union takes $0 in fees and -0.24% markup on a $0 transfer, and your USD arrives in next day.

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/USD, 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 USD, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

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

Revolut converts $1,000 at 0.22% markup, and the USD sits in your account until you spend or transfer it.

Most useful if you travel often to the United States, 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 $1,000 transfer, a bank like NAB adds 2.59% markup and delivers 696.38 USD, against 716.44 USD via Western Union (the cheapest option).

Ways to fund AUD and receive money in US

With Western Union, paying by debit card and receiving through a bank deposit is the cheapest combination. Sending $1,000 gives your recipient 716.44 USD.

Recipients in the United States can collect USD through bank deposit, cash pickup, and usdc.

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

They can collect cash via Western Union

For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in the United States.

1

Debit card Bank deposit

You pay $1,000.00

$716

Cheapest
2

Bank transfer Bank deposit

You pay $1,000.00

$716

$0
3

Payto Bank deposit

You pay $1,000.00

$713

-$4
4

Osko Bank deposit

You pay $1,000.00

$711

-$5
5

Credit card Bank deposit

You pay $1,017.99

$705

-$11

Show moreShow less

6

Poli Bank deposit

You pay $1,000.00

$705

-$11
7

Mobile wallet Bank deposit

You pay $1,000.00

$696

-$20
8

Credit card Usdc

You pay $1,013.12

$693

-$24
9

Poli Usdc

You pay $1,013.12

$693

-$24
10

Bank transfer Cash pickup

You pay $1,000.00

$690

-$26
11

Mobile wallet Cash pickup

You pay $1,000.00

$690

-$26
12

Debit card Cash pickup

You pay $1,000.00

$688

-$28
13

Credit card Cash pickup

You pay $1,000.00

$688

-$28
14

Poli Cash pickup

You pay $1,003.99

$674

-$43

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 $1,000 transfer to United States, these are the best options right now:

Cheapest

Western Union is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 716.44 USD, which is 0.26% more than the next best option.

Fastest

Africhange delivers 714.57 USD in minutes 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 US.

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 the United States.

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-USD Exchange Rate

Getting a better Australian Dollar to Indian Rupee rate

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

Mid-market rate:1 AUD = 0.717185 USD

How we analyse the market

We track 12 companies sending AUD to the United States, 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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How to send money to US from Australia with the best AUD-USD rate

Best companies for AUD/USD transfers

Transfer details