Loading...
Send money from Australia to Europe(AUD → EUR)
AUD
EUR|Updated recentlyMid-market 0.6152Cheapest todayof 15 providers
TapTap Send
Rate 0.6130 · Fee free
You send
A$1,000
Recipient gets
€613
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Australia to Europe in May 2026 is TapTap Send, which delivers 613.02 EUR on a 1,000 AUD transfer with a fee of zero.
Last reviewed: by Awais Imran, Reviews Editor
↑
Rates are great right now
79th percentile
Based on 61 days of data (2026-03-13 to 2026-05-22)
Today's best
€61.18
InstaReM
61-day avg
1 AUD = 0.61 EUR
Best rate
0.62
2026-05-06 · Western Union
Worst rate
0.59
2026-03-29 · InstaReM
What is the cheapest way to send AUD to EUR?
Sending A$1,000 from Australia to Europe. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 0.6130·Fee Free·0.35% markup
↓ 1.0% over 9dAvg: 0.61 EUR (-0.2% vs avg)Range: 0.60–0.61
1
TapTap SendBest value
Under 3 minutes (95% of transfers)0.35% markup
↓ 1.0% over 9dAvg: 0.61 EUR (-0.2% vs avg)Range: 0.60–0.61
0.6130
Free
€613.02
Rate 0.6149·Fee A$5.00·0.04% markup
Best rate 33 of 61 days
↑ 0.6% over 52dAvg: 0.61 EUR (+1.1% vs avg)Range: 0.59–0.62
2
1-3 business days0.04% markup
Best rate 33 of 61 days
↑ 0.6% over 52dAvg: 0.61 EUR (+1.1% vs avg)Range: 0.59–0.62
0.6149
A$5.00
€611.85
Rate 0.6105·Fee Free·0.76% markup
↑ 0.6% over 52dAvg: 0.61 EUR (+0.8% vs avg)Range: 0.59–0.61
3
0.6105
Free
€610.50
Rate 0.6026·Fee Free·2.04% markup
Rate up 3.0%
↑ 3.0% over 55dAvg: 0.60 EUR (+1.1% vs avg)Range: 0.58–0.61
4
Same day to 3 business days2.04% markup
Rate up 3.0%
↑ 3.0% over 55dAvg: 0.60 EUR (+1.1% vs avg)Range: 0.58–0.61
0.6026
Free
€602.62
Rate 0.6107·Fee A$13.29·0.73% markup
Most stable rate
↑ 0.4% over 18dAvg: 0.60 EURRange: 0.60–0.60
5
Minutes to 3 days0.73% markup
Most stable rate
↑ 0.4% over 18dAvg: 0.60 EURRange: 0.60–0.60
0.6107
A$13.29
€602.56
Rate 0.6000·Fee Free·2.47% markup
2.5% markup
→ 0.0% over 2dAvg: 0.60 EURRange: 0.60–0.60
6
0.6000
Free
€599.98
Rate 0.6050·Fee A$15.00·1.65% markup
Rate 0.5951·Fee Free·3.26% markup
↑ 1.2% over 60dAvg: 0.59 EUR (+1.1% vs avg)Range: 0.57–0.60
8
2-5 business days3.26% markup
↑ 1.2% over 60dAvg: 0.59 EUR (+1.1% vs avg)Range: 0.57–0.60
0.5951
Free
€595.12
Rate 0.5867·Fee A$5.99·4.63% markup
→ 0.0% over 61dAvg: 0.58 EUR (+0.8% vs avg)Range: 0.57–0.59
9
0.5867
A$5.99
€583.17
Rate 0.6156·Fee A$53.08
↑ 0.8% over 6dAvg: 0.61 EUR (+0.5% vs avg)Range: 0.61–0.62
10
0.6156
A$53.08
€582.93
Rate 0.6122·Fee A$83.20·0.48% markup
Rate 0.6119·Fee A$90.79·0.53% markup
Rate 0.6119·Fee A$96.16·0.53% markup
Rate 0.5941·Fee A$543.42·3.43% markup
↑ 0.4% over 23dAvg: 0.59 EUR (+0.8% vs avg)Range: 0.58–0.60
14
0.5941
A$543.42
€271.24
Rate 0.6121·Fee Free·0.50% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient €0.92 on a A$1,000 transfer.
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
Looking for cheap money transfers from Australia to Europe? We compare exchange rates, fees, and delivery times from every major provider to help you save on every transfer.
Money transfers from Australia to Europe are a vital lifeline for families and businesses. With dozens of providers competing for this corridor, rates and fees vary widely. Specialist money transfer companies often beat bank rates by 2–4%, potentially saving you hundreds of AUD per year. Use our comparison to find today's best deal.
Which provider offers the best AUD to EUR rate?
TapTap Send
4.7Exchange rate
0.6130
Fee
Free
Recipient gets
€613.02
Speed
Under 3 minutes (95% of transfers)
Guides, fees & how it works
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the Australia to Europe route.
Cheapest transfer
TapTap Send
Delivers the most EUR for your money
Fastest transfer
TapTap Send
Delivers in Under 3 minutes (95% of transfers)
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
TapTap Send
Best rate for bank deposit to Europe
How to send money to Europe
Sending money to Europe is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much AUD you want to send, compare providers above, and pick the one offering the best EUR amount for your transfer to Europe.
Step 2
Add your recipient
Enter your recipient's details in Europe — you'll need their iban. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — sepa transfer typically takes hours to 1 day.
What you need to send money to Europe
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's name as registered on their European bank account
IBAN
IBAN (International Bank Account Number) — length varies by country (e.g. DE: 22 chars, FR: 27 chars, ES: 24 chars)
Example: DE89370400440532013000
BIC/SWIFT code
Optional8 or 11-character bank identifier code (optional for SEPA transfers within EU, required for SWIFT)
Example: COBADEFFXXX
Note: All Eurozone countries use IBAN for bank transfers. For SEPA transfers (the fastest and cheapest option), only the IBAN is required — the BIC/SWIFT code is optional. Each EU country has a different IBAN length and format.
Transfer examples: AUD to EUR
See how much your recipient would get for common transfer amounts.
Send A$500
ProviderFeeReceives
InstaReM
0.61 · 1-3 business days
TapTap Send
0.61 · Under 3 minutes (95% of transfers)
Remitly
0.61 · Minutes to 3-5 days
HSBC
0.60 · Same day to 3 business days
Xoom (PayPal)
0.60 · Minutes to 3 days
LemFi
0.60 · Minutes to 1 business day
ProviderFeeRateReceivesSpeed
InstaReMA$0.500.61€3071-3 business days
TapTap SendFree0.61€307Under 3 minutes (95% of transfers)
RemitlyFree0.61€305Minutes to 3-5 days
HSBCFree0.60€301Same day to 3 business days
Xoom (PayPal)A$1.990.60€300Minutes to 3 days
LemFiFree0.60€300Minutes to 1 business day
Send A$1,000
ProviderFeeReceives
TapTap Send
0.61 · Under 3 minutes (95% of transfers)
InstaReM
0.61 · 1-3 business days
Remitly
0.61 · Minutes to 3-5 days
HSBC
0.60 · Same day to 3 business days
Xoom (PayPal)
0.61 · Minutes to 3 days
LemFi
0.60 · Minutes to 1 business day
ProviderFeeRateReceivesSpeed
TapTap SendFree0.61€613Under 3 minutes (95% of transfers)
InstaReMA$5.000.61€6121-3 business days
RemitlyFree0.61€611Minutes to 3-5 days
HSBCFree0.60€603Same day to 3 business days
Xoom (PayPal)A$13.290.61€603Minutes to 3 days
LemFiFree0.60€600Minutes to 1 business day
Send A$5,000
ProviderFeeReceives
InstaReM
0.61 · 1-3 business days
TapTap Send
0.61 · Under 3 minutes (95% of transfers)
Remitly
0.61 · Minutes to 3-5 days
Wise
0.62 · Instant to 2 days
OFX
0.60 · 1-3 business days
HSBC
0.60 · Same day to 3 business days
ProviderFeeRateReceivesSpeed
InstaReMA$0.500.61€3,0741-3 business days
TapTap SendFree0.61€3,065Under 3 minutes (95% of transfers)
RemitlyFree0.61€3,052Minutes to 3-5 days
WiseA$53.080.62€3,045Instant to 2 days
OFXA$15.000.60€3,0161-3 business days
HSBCFree0.60€3,013Same day to 3 business days
How much does it cost to send money from Australia to Europe?
Transfer fees from Australia to Europe vary by provider. Specialist services charge A$0–10 per transfer, while banks charge A$25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total EUR your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically A$0–A$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (0.6152).
Ways to send money to Europe
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
SEPA is the gold standard for EUR transfers — it's faster and cheaper than SWIFT. If your provider offers SEPA routing, always choose it over SWIFT for European bank deposits.
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
How can my recipient receive money in Europe?
Your recipient in Europe can receive money through these delivery methods. The best option depends on their location and preferences.
SEPA Transfer
Hours to 1 day
Single Euro Payments Area transfer — the standard for EUR payments across 36 European countries. Fast, cheap, and reliable.
WiseRevolutRemitlyWorldRemit+2 more
SEPA Instant
Seconds
Real-time euro transfer available at participating banks. Delivers in under 10 seconds, 24/7.
WiseRevolut
SWIFT Transfer
1–3 business days
Traditional international wire transfer. More expensive and slower than SEPA but available for any bank globally.
OFXXEWestern Union
Cash Pickup
Minutes
Collect cash at agent locations across Europe.
Western UnionMoneyGram
What are the transfer limits and regulations for Europe?
Important rules and requirements to know before sending money to Europe.
Regulatory body
European Central Bank (ECB) / National regulators (BaFin, AMF, etc.)
Inbound transfer limits
No general restriction on receiving transfers within the EU/EEA
Documentation you may need
- Sender's government-issued ID
- Proof of address for large transfers
Important things to know
- SEPA transfers are capped at €999,999,999.99 per transaction — effectively unlimited for personal transfers.
- SEPA Instant is available at most major European banks but not all — check with the recipient's bank.
- Post-Brexit, GBP→EUR transfers from the UK may no longer route via SEPA at some banks, resulting in higher fees.
- EU anti-money-laundering regulations require enhanced due diligence for transfers over €10,000.
How long does it take to send money to Europe?
Most transfers from Australia to Europe arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Europe for a small premium.
FastExpress delivery
- TapTap SendUnder 3 minutes (95% of transfers)
- RemitlyMinutes to 3-5 days
- Xoom (PayPal)Minutes to 3 days
- LemFiMinutes to 1 business day
- PayPalInstant to 3 days
Standard delivery
- InstaReM1-3 business days
- HSBCSame day to 3 business days
- OFX1-3 business days
- Commonwealth Bank2-5 business days
- TorFX1-3 business days
Popular banks in Europe
These are the most commonly used banks for receiving international transfers in Europe.
BankSWIFT/BICNotes
Deutsche Bank (Germany)
DEUTDEFFXXX
BNP Paribas (France)
BNPAFRPPXXX
ING (Netherlands)
INGBNL2AXXX
Santander (Spain)
BSCHESMMXXX
UniCredit (Italy)
UNCRITMM
N26 (Germany)
—
AUD to EUR Exchange Rate History
Daily best exchange rates from top providers over the last 61 days. Rates shown are for sending $100.
| Date | PayPal | __mid Market__ | Commonwealth Bank | Nab | HSBC |
|---|---|---|---|---|---|
| Trend | |||||
| May 22 | 0.5867 | 0.6060✓ | 0.5951 | — | 0.6026 |
| May 21 | 0.5870 | 0.6030✓ | 0.5933 | — | 0.6005 |
| May 20 | 0.5855 | 0.6020✓ | 0.5919 | — | 0.5992 |
| May 19 | 0.5881 | 0.6060✓ | 0.5949 | 0.5993 | 0.6016 |
| May 18 | 0.5896 | 0.6070✓ | 0.5936 | 0.5983 | 0.6005 |
| May 17 | 0.5895 | 0.6090✓ | 0.5939 | 0.5995 | 0.6018 |
| May 16 | 0.5895 | 0.6090✓ | 0.5939 | 0.5995 | 0.6018 |
| May 15 | 0.5916 | 0.6120✓ | 0.5970 | 0.6016 | 0.6054 |
| May 14 | 0.5907 | 0.6130✓ | 0.5964 | 0.6023 | 0.6061 |
| May 13 | 0.5896 | 0.5971 | 0.5971 | 0.6014 | 0.6054✓ |
| May 12 | 0.5886 | 0.6102✓ | 0.5948 | 0.5991 | 0.6025 |
| May 11 | 0.5891 | 0.5891 | 0.5947 | 0.5993 | 0.6025✓ |
| May 10 | 0.5892 | 0.5892 | 0.5938 | 0.5955 | 0.6025✓ |
| May 9 | 0.5892 | 0.6124✓ | 0.5938 | 0.5955 | 0.6025 |
| May 8 | 0.5895 | 0.5948 | 0.5948 | 0.5993 | 0.6024✓ |
| May 7 | 0.5885 | 0.5885 | 0.5959 | 0.6008 | 0.6038✓ |
| May 6 | 0.5865 | 0.5865 | 0.5971 | 0.6012 | 0.6043✓ |
| May 5 | 0.5872 | 0.6127✓ | 0.5923 | 0.5968 | 0.5969 |
| May 3 | 0.5872 | 0.6147✓ | 0.5935 | 0.5925 | 0.6013 |
| May 2 | 0.5872 | 0.5872 | 0.5935 | 0.5925 | 0.6013✓ |
| May 1 | 0.5827 | 0.6092✓ | 0.5938 | 0.5982 | 0.6008 |
| Apr 30 | 0.5847 | 0.5973✓ | 0.5905 | 0.5949 | 0.5973✓ |
| Apr 29 | 0.5862 | 0.5993✓ | 0.5921 | 0.5965 | 0.5993✓ |
| Apr 28 | 0.5841 | 0.6011✓ | 0.5930 | 0.5973 | 0.6011✓ |
| Apr 27 | 0.5840 | 0.6072✓ | 0.5915 | 0.5961 | 0.5990 |
| Apr 26 | 0.5836 | 0.5836 | 0.5892 | 0.5898 | 0.5979✓ |
| Apr 25 | 0.5836 | 0.5892 | 0.5892 | 0.5898 | 0.5979✓ |
| Apr 24 | 0.5831 | 0.6056✓ | 0.5903 | 0.5948 | 0.5979 |
| Apr 23 | 0.5824 | 0.6104✓ | 0.5910 | 0.5951 | 0.5986 |
| Apr 22 | 0.5831 | 0.5943 | 0.5899 | 0.5943 | 0.5975✓ |
| Apr 21 | 0.5821 | 0.5938 | 0.5893 | 0.5938 | 0.5965✓ |
| Apr 20 | 0.5821 | 0.6084✓ | 0.5888 | 0.5930 | 0.5957 |
| Apr 19 | 0.5820 | 0.5907 | 0.5883 | 0.5907 | 0.5967✓ |
| Apr 18 | 0.5820 | 0.5883 | 0.5883 | 0.5907 | 0.5967✓ |
| Apr 17 | 0.5823 | 0.5823 | 0.5885 | 0.5933 | 0.5960✓ |
| Apr 16 | 0.5772 | 0.5877 | 0.5877 | 0.5919 | 0.5953✓ |
| Apr 15 | 0.5777 | 0.6044✓ | 0.5847 | 0.5892 | 0.5920 |
| Apr 14 | 0.5739 | 0.5823 | 0.5823 | 0.5869 | 0.5900✓ |
| Apr 13 | 0.5767 | 0.5824 | 0.5824 | 0.5870 | 0.5897✓ |
| Apr 12 | 0.5765 | 0.5836 | 0.5826 | 0.5836 | 0.5901✓ |
| Apr 11 | 0.5765 | 0.6038✓ | 0.5826 | 0.5824 | 0.5901 |
| Apr 10 | 0.5776 | 0.5776 | 0.5854 | 0.5898 | 0.5931✓ |
| Apr 9 | 0.5756 | 0.6027✓ | 0.5835 | 0.5876 | 0.5914 |
| Apr 8 | 0.5733 | 0.5896 | 0.5849 | 0.5896 | 0.5923✓ |
| Apr 7 | 0.5723 | 0.5723 | — | 0.5839 | 0.5869✓ |
| Apr 6 | 0.5734 | 0.5796 | 0.5796 | 0.5843 | 0.5875✓ |
| Apr 5 | 0.5738 | 0.5795 | 0.5791 | 0.5795 | 0.5864✓ |
| Apr 4 | 0.5738 | 0.5791 | 0.5791 | 0.5800 | 0.5864✓ |
| Apr 3 | 0.5717 | 0.5831 | 0.5790 | 0.5831 | 0.5863✓ |
| Apr 2 | 0.5722 | 0.5722 | 0.5792 | 0.5833 | 0.5861✓ |
| Apr 1 | 0.5690 | 0.5919✓ | 0.5778 | 0.5814 | 0.5847 |
| Mar 31 | 0.5715 | 0.5737 | 0.5737 | 0.5820 | 0.5845✓ |
| Mar 30 | 0.5711 | 0.5827 | 0.5748 | 0.5827 | 0.5862✓ |
| Mar 29 | 0.5710 | 0.5850✓ | 0.5742 | 0.5809 | 0.5850✓ |
| Mar 28 | 0.5726 | 0.5851✓ | 0.5736 | 0.5813 | 0.5851✓ |
| Mar 18 | 0.5887 | 0.6163✓ | 0.5935 | 0.6009 | — |
| Mar 17 | 0.5862 | 0.6160✓ | 0.5930 | 0.6006 | — |
| Mar 16 | 0.5869 | 0.6142✓ | 0.5904 | 0.5989 | — |
| Mar 15 | 0.5867 | 0.6115✓ | 0.5883 | 0.5929 | — |
| Mar 14 | 0.5867 | 0.6115✓ | 0.5883 | 0.5929 | — |
| Mar 13 | 0.5867 | 0.6115✓ | 0.5883 | 0.5924 | — |
Frequently asked questions
Common questions about sending money from Australia to Europe
What is the cheapest way to send money from Australia to Europe?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Australia to Europe?
Most specialist providers deliver to Europe within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send A$1,000 from Australia to Europe?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much EUR your recipient would receive from a A$1,000 transfer today.
Can I send money from Australia to Europe online?
Yes, all the providers we compare support online transfers from Australia to Europe. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Europe?
Money transfer services are almost always cheaper. Banks typically charge A$25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge A$0–10 with markups under 1%, saving you significantly on every transfer to Europe.
More for this corridor
Everything about sending money to Europe
Recipient requirements, delivery methods, regulations, popular banks, and more.
More transfers from Australia
Other routes to Europe
Popular corridors
Top provider reviews
Useful guides
Banking tools
How does your bank compare?
Compare all providers for Australia to Europe
Enter your exact amount to see personalised quotes from every provider on this route.
Compare providers now