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Compare all the best ways to send money to Australia

Wise is the overall best way for sending AUD from abroad, appearing 96.2% of the time in our searches for AUD transfers. They charge $106.84 in fees and add 0.01% markup to the AUD exchange rate.

For more details on AUD transfers, keep reading.

We’ll give you the best, fastest, and cheapest options, provide you with expert tips, AUD transfer deals, and explain everything you need to know about money transfers to Australia.

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Best money transfer companies

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"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%
Sponsored

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.3% - 2.1%
Fees
$1.99 - $2.99

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.2% - 0.7%
Fees
None

"Revolut has 50+ million customers globally. You can hold up to 36 currencies in the app and send money quickly in 70+ currencies to 160+ countries."

Transfer Speed
Minutes - 5 days
Exchange Rate Markup
0.1% - 0.6%
Fees
0.3% - 1%

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.8% - 3%
Fees
$1.99 - $2.99

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.4% - 1.5%
Fees
None

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Transfer Speed
Minutes - 3 days
Exchange Rate Markup
0.1% - 0.6%
Fees
None

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.3% - 2.1%
Fees
$1.99 - $2.99

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.15% - 1.5%
Fees
None

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Transfer Speed
Minutes - 3 days
Exchange Rate Markup
0.1% - 1.3%
Fees
None

"Lumon has cared for over 69,000 customers since 2000. Get support for larger transfers from dedicated currency specialists."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
1% - 2%
Fees
None

"Xoom, a PayPal service, allows you to send money in more than 160 countries. You can send cash for over-the-counter pickup or home delivery, as well as send by bank transfer or debit card."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
2 - 3%
Fees
None

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
1 - 2%
Fees
£/€/$3 - 5

"Fast, secure internatinal transfers with no fees and transparent rates. They offer a free currency card for use at home and abroad."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.9% - 2%
Fees
None

"Send money to over 40 destinations online and in the mobile app."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.3% - 2%
Fees
$0 - $10

"Paysend has transparent fees and rates, with transfer sent within seconds to your recipient's bank. They also have global 24/7 support for any enquiries, and bank-level security."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
1 - 3%
Fees
None

"Moneycorp is an established player in the market, with a focus on private clients and corporates. Make overseas payments in over 120 currencies and 190 countries."

Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.5% - 2%
Fees
None

"Moneygram is a well established service with over 80 years in the sector. They support over 200 countries worldwide and have over 440,000 retail locations."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
2 - 4%
Fees
1% - 3%

Overall best choice: Wise

Wise is our top pick for transfers to Australian Dollar.

We tested & reviewed 21 best money transfer providers to Australia, and Wise scored the highest.

Wise appeared in 96.2% of AUD searches, and was the best way to send money to Australia out of 21 that support Australian Dollar transfers.

So for a great mix of cost, speed & features, make your Australia transfer using Wise via Bank transfer.

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How to get the best rate for money transfers to Australia

About money transfers to Australia

Top rated for transfers from United States to Australia
Wise
Total number of US - AU providers
21
Average cheapest fees & rate
Revolut
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Revolut
Best for debit card
Xe

Consider this before sending money to Australia

1
Compare AUD transfer deals

Whether you're supporting family, covering tuition, or paying someone who just relocated, choosing the right money transfer provider can make a big difference.

We analyzed 21 major services that support AUD transfers. Based on real user data:

  • Revolut offered the lowest fees in 61.4% of searches

  • Wise ranked fastest overall

  • Wise delivered the best AUD exchange rates

Small decisions like how you pay or who you choose can mean hundreds more AUD received on the other side.

2
Exchange AUD rates matter
3
Find the cheapest AUD transfer option
4
Receiving AUD in Australia
5
How fast do you need AUD to arrive?
6
Transfer limits and ID checks
7
Understand Australian taxes

Revolut is the cheapest way to send money to Australia

Out of 21 companies analyzed, Revolut offers the cheapest AUD transfers.

In the past 6-months, Revolut appeared in 61.4% of our searches as the cheapest money transfer service. We found it to be 0.4% cheaper than the next best option.

Revolut charges $0 per transfer and adds a 0.2% markup on top of the Australian Dollar exchange rate.

Bank transfer is the cheapest funding option when sending money to Australia. Pair it together with Revolut, to get the most out of your AUD transfer.

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Fastest way to send money to Australia: Wise

Need money urgently? Pick Wise and get your funds to Australia quickly.

Our data shows that Wise came up as the fastest way to transfer AUD in 41% searches on MoneyTransfers.com over the past six months.

Wise charges $17.04 in fees on average and adds a 0% markup, which is also 0% cheaper than the next fastest option.

Pair it with a Bank transfer deposit to get your AUD abroad fast and cheap.

Our ‘fastest’ way to transfer money to Australia includes the transfer amount, deposit method, and transfer and withdrawal times.

Screenshot

The easiest way to send money to Australia: Wise

Wise is a great option for convenience, speed & cost when sending AUD to Australia.

Wise ranked as the top-rated money transfer provider in 96.2% of searches related to Australia based on 6 months of comparison data from MoneyTransfers.com.

They offer transparent fees, charging $106.84 per transfer with 0.01% markup added to the AUD rate.

Getting started with Wise takes less than 3 minutes, making it a fast, affordable, and user-friendly choice for sending Australian Dollars.

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Need to send over $10,000?

For those big moves, competitive pricing & strong customer service are key.

Opt for a service proven with large transfers when size matters. For transfers over $10,000, your best bet is Wise.


While Wise may not always be the cheapest or fastest way to send AUD, it’s the provider that will keep you safe and relaxed while your money moves into Australia.

Understanding the costs involved when moving money to Australia

When calculating the cost of money transfers to Australia, here's what really matters: the country of origin, amount, payment method, fees, and the markup on the AUD exchange rate.

Exchange rate markup

This is a percentage added on top of the "real" AUD rate (known as the mid-market rate).

Wise, for example, offers the best exchange rate. It adds 0% markup to the USD-AUD exchange rate (1.5545 AUD - 0% per US Dollar).

Transfer fees

These are fixed and/or percentage fees added for the service when sending money to Australia.

Let's imagine you want to send $2,000 from the US to Australia.

After analyzing 21 companies supporting Australian Dollar, we found Xoom to offer the lowest fees ($0 in fees and 2.35% markup).

However, exact fees vary by deposit method and the service, for example:

  • Bank transfers vary from $0 to $4

  • Debit cards range from $20.7 to $924.09

  • Credit cards can go from $0 to $0

Live USD-AUD Exchange Rate

How to get the best AUD exchange rate for transfers to Australia

An exchange rate represents the value of the Australian Dollar (AUD) relative to another currency. Since it fluctuates continuously, the rate you get directly affects the amount of AUD you receive.

Mid-market Rate
1 
=
1.554545 
AUD

Recent trends in AUD exchange rates:

  • The average rate was 1.5479 Australian Dollar per US Dollar, with a high of 1.6276 AUD/USD and a low of 1.4455 AUD/USD.

  • During the past 6-months, the AUD/USD exchange rate experienced some fluctuations. Ensuring you exchange or convert money at a higher rate would result in more AUD received.

  • Wise is our top recommendation for sending AUD as it offers an exchange rate that is 0% above the mid-market rate, which is 0% cheaper than the next best option.

Secure the best AUD exchange rates with our rate alerts

Sign up for our rate alerts, and we'll notify you when it’s the best time to send AUD!

Top payment methods to use for transfers to Australia

Money transfer companies will offer different ways to fund your transfer to Australia. Depending on the service used, deposit options can affect the speed, the cost of your transfer, and the amount of AUD received.

  • Bank transfers

    Bank transfers are a standard deposit method used for sending money to Australia. Almost all services covering Australia offer it.

    Bank transfers to Australia are usually cheaper than other deposit methods but can take up to 3 business days for AUD to reach Australia.

    Out of 21 providers we’ve tested, we found Revolut to be the cheapest for bank deposits, with just $0 per transfer and a 0.2% markup. This is 0.4% cheaper than the second-best option.

    When possible, avoid using wire transfers over the SWIFT network for AUD transfers. It is slower and more expensive due to intermediaries involved, instead, look for an ACH deposit option.

  • Debit and prepaid cards

    Debit card transfers to AU are usually faster than bank transfers.

    Most AUD transfers can take up to a few hours but it can be slightly more expensive.

    We recommend using Wise if you want to use a debit card or prepaid card to fund your money transfer to Australia.

    With Wise, you can expect to pay $20.7 in fees and 0% markup when depositing money with a debit card. This is 0% cheaper than using the next best provider out of the 21 companies supporting AUD transfers we’ve tested.

  • Credit cards

    You can also use a credit card to fund your transfer to Australia.

    We found to be the cheapest for credit card transfers out of 21 companies compared in the past six months.

    Credit card deposits are usually more expensive when sending money to Australia. For instance, will charge you $0 per transfer to Australia and will add % on top of the ‘real’ AUD rate.

    Cash advance alert

    Your credit card company may charge you a cash advance fee and offer higher interest rates for international transactions to AU. We recommend avoiding credit cards, and instead opt for a bank or debit card transfer.

Need to deposit money to a bank in Australia?

You can transfer money to most Australian bank accounts (including ANZ Bank, Commonwealth Bank, NAB, and many more) using online money transfer services or wire transfers.

Wire transfers might be more convenient, but they are much more expensive compared to online money transfer services.

In either case, you will need the recipient's bank details, including the BSB (Bank-State-Branch) number and account number.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available in Australia.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money to Australia.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to find the best service for your needs when sending money to Australia

For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

Keep your money safe

It is safe to send money online to Australia. The country is regulated by multiple financial regulators, including the Australian Financial Complaints Authority (AFCA), and Australian Prudential Regulation Authority (APRA), ensuring the safety of online money transfers.

Always choose providers that are regulated by financial authorities.

If you want to learn more about AU regulations, we've put together this directory of financial regulators worldwide.

FAQs

Find answers to the most common questions on our dedicated FAQ page.

Are there any limits when sending AUD?
Are there any tax implications on AUD transfers?
What are the fees and exchange rates?
How long does it take to transfer money to Australia?
Can I schedule regular payments to Australia?
What currency is used in Australia?
Can I send AUD from any country?
What should I do if something goes wrong with my transfer to Australia?
Can I just wire money to Australia with my bank?
Can I use MoneyTransfers.com to transfer money?

Contributors

Artiom Pucinskij
Artiom Pucinskij is a seasoned financial content strategist who holds an impressive background in marketing from the University of Portsmouth. With years of dedicated experience in the personal finance and remittance sectors, Artiom has become an integral part of MoneyTransfers.com's growth.
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