Send money to Australia
Remitly
Rate 1.4376 · Fee free
You send
$1,000
Estimated receipt
A$1,438
A$61 more than the lowest estimate
Affiliate link · No extra cost to you
Quick answer: Remitly ranks first of 7 for 1,000 USD → AUD: 1,437.56 AUD estimated. 60.95 AUD separates first from last.
Latest pricing observation: . Quotes are kept per USD→AUD pair, not per country, so check is served before you commit. Methodology.
What is the cheapest way to send USD to AUD?
Sending $1,000 to Australia, ranked by estimated payout.
Source: our collected quotes
1.4299
Free
A$1,429.94
Send
Estimated payout difference: A$60.95 between first and last on $1,000.
Australia has one of the highest costs of living in the world, making it a significant destination for family support transfers and expat financial flows. With PayID (instant payments linked to a mobile number or email) and the NPP (New Payments Platform) enabling 24/7 real-time transfers, receiving money in Australia has never been more seamless. The AUD is a major traded currency with competitive rates across providers.
- PayID is Australia's instant payment alias system — any Australian bank account can be linked to a mobile number, email, or ABN. Many providers now deliver directly to a PayID, eliminating the need to share BSB and account numbers.
- The NPP (New Payments Platform) processes Osko payments between Australian banks in under a minute, 24/7. Once international funds reach any Australian bank, Osko moves them to the final account near-instantly.
- Australian bank accounts use BSB (Bank-State-Branch, 6 digits) + Account Number (6–10 digits). No IBAN is used domestically. For international SWIFT wires, a SWIFT code is required.
- Major receiving banks: Commonwealth Bank (CBA), Westpac, ANZ, NAB, and Macquarie Bank all have competitive international wire processing and full PayID integration.
- APRA (Australian Prudential Regulation Authority) and ASIC regulate financial services. Specialist providers authorised by AUSTRAC are compliant and safe for international transfers.
Which provider offers the best USD to AUD rate?
Remitly
4.6Exchange rate
1.4376
Fee
Free
Recipient gets
A$1,437.56
Speed
Minutes to 3-5 days
Guides, fees & how it works
Which provider suits each USD→AUD transfer?
Remitly currently leads on both cost and speed for transfers to Australia.
Cheapest transfer
Remitly
Delivers the most AUD for your money
Fastest transfer
Remitly
Delivers in Minutes to 3-5 days
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
Remitly
Best rate for bank deposit to Australia
What you need to send money to Australia
Full name
Recipient's full legal name as it appears on their bank account
Bank account number
Recipient's bank account number
Bank name
Name of the receiving bank
SWIFT/BIC code
Optional8 or 11-character SWIFT code identifying the bank (may be optional with IBAN)
Transfer examples: USD to AUD
Send $500
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| Remitly1.44 · Minutes to 3-5 days | Free | 1.44 | A$719 | Minutes to 3-5 days |
| TorFX1.43 · 1-3 business days | Free | 1.43 | A$715 | 1-3 business days |
| TapTap Send1.43 · Under 3 minutes (95% of transfers) | Free | 1.43 | A$715 | Under 3 minutes (95% of transfers) |
| XE Money Transfer1.43 · 1-4 business days | Free | 1.43 | A$714 | 1-4 business days |
| CurrencyFair1.43 · 1-2 business days | $2.80 | 1.43 | A$710 | 1-2 business days |
| OFX1.42 · 1-3 business days | Free | 1.42 | A$710 | 1-3 business days |
Send $1,000
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| Remitly1.44 · Minutes to 3-5 days | Free | 1.44 | A$1,438 | Minutes to 3-5 days |
| TorFX1.43 · 1-3 business days | Free | 1.43 | A$1,430 | 1-3 business days |
| TapTap Send1.43 · Under 3 minutes (95% of transfers) | Free | 1.43 | A$1,430 | Under 3 minutes (95% of transfers) |
| XE Money Transfer1.43 · 1-4 business days | Free | 1.43 | A$1,429 | 1-4 business days |
| CurrencyFair1.43 · 1-2 business days | $2.80 | 1.43 | A$1,424 | 1-2 business days |
| OFX1.42 · 1-3 business days | Free | 1.42 | A$1,420 | 1-3 business days |
Send $5,000
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| Remitly1.44 · Minutes to 3-5 days | Free | 1.44 | A$7,188 | Minutes to 3-5 days |
| TorFX1.43 · 1-3 business days | Free | 1.43 | A$7,148 | 1-3 business days |
| TapTap Send1.43 · Under 3 minutes (95% of transfers) | Free | 1.43 | A$7,150 | Under 3 minutes (95% of transfers) |
| XE Money Transfer1.43 · 1-4 business days | Free | 1.43 | A$7,145 | 1-4 business days |
| CurrencyFair1.43 · 1-2 business days | $2.80 | 1.43 | A$7,138 | 1-2 business days |
| Wise1.44 · Instant to 2 days | $42.40 | 1.44 | A$7,127 | Instant to 2 days |
How much does it cost to send money to Australia?
Of the 7 estimates we hold for $1,000 USD to AUD, 5 charge no transfer fee and 2 charge between $2.80 and $42.40. Their exchange rates sit 0.01% to 1.25% above the mid-market rate (median 0.56%), a spread worth 18 AUD on this amount.
A volatile pair: 5.0 points apart; today is "great", the better half. Best payout day TapTap Send (25 June 2026), worst TapTap Send (14 May 2026).
How can my recipient receive money in Australia?
Recipients in Australia have 2 ways to receive this transfer: bank deposit; cash pickup.
Bank Deposit
Direct transfer to bank accounts in Australia.
Cash Pickup
Collect cash from agent locations in Australia.
How long does it take to send money to Australia?
3 of the 8 providers quoting USD to AUD advertise delivery within minutes (Remitly, TapTap Send, Wise); 5 quote longer, such as TorFX at 1-3 business days on USD to AUD.
Provider-stated speeds for Australia, not our measurement.
- RemitlyMinutes to 3-5 days
- TapTap SendUnder 3 minutes (95% of transfers)
- WiseInstant to 2 days
- TorFX1-3 business days
- XE Money Transfer1-4 business days
- CurrencyFair1-2 business days
- OFX1-3 business days
- Regency FXSame day may be available; confirm your route
Only one provider here
SendScoreBest rate +2.52% vs the 30-day average, near the 90-day high. Rates are improving — +1.53% week on week. One provider only, so no comparison.
- 40%near the 90-day high
- 25%+2.52% vs the 30-day average
- 15%improving — +1.53% week on week
USD→AUD: 140 days of our recorded provider rates
USD to AUD Exchange Rate History
Per 100 USD sent, last 14 of 140 days.
| Date | TapTap Send | __mid Market__ |
|---|---|---|
| Trend | ||
| Oct 3 | 1.4300 | 1.4378✓ |
| Oct 2 | 1.4200 | 1.4419✓ |
| Oct 1 | 1.4300 | 1.4399✓ |
| Sep 30 | 1.4300 | 1.4342✓ |
| Sep 29 | 1.4200 | 1.4243✓ |
| Sep 28 | 1.4100 | 1.4228✓ |
| Sep 27 | 1.4100 | 1.4234✓ |
| Sep 26 | 1.4100 | 1.4234✓ |
| Sep 25 | 1.4100 | 1.4260✓ |
| Sep 24 | 1.4100 | 1.4227✓ |
| Sep 23 | 1.4100✓ | 1.4100✓ |
| Sep 22 | 1.3900 | 1.4040✓ |
| Sep 21 | 1.3900 | 1.4026✓ |
| Sep 20 | 1.3900 | 1.4033✓ |
Frequently asked questions
Common questions about sending money to Australia
What is the cheapest way to send money to Australia?
From the UK, the measured GBP to AUD leader is InstaReM, which led on 65 of the last 91 days we could compare. For USD-to-AUD, OFX is worth quoting — particularly for amounts above $5,000 — and Remitly covers Australia for everyday amounts. AUD is a liquid major currency, so the rate difference between providers is narrower than for emerging market currencies.
How long does a transfer to Australia take?
Wise typically delivers to Australian bank accounts within a few hours. Once cleared via SWIFT, Osko/NPP credits the recipient in under a minute. Standard SWIFT wires from traditional banks take 1–3 business days. PayID-enabled transfers arrive in near real time once the international leg is complete.
What bank details do I need to send money to Australia?
You need the recipient's BSB (6-digit Bank-State-Branch code) and Account Number. For PayID delivery, just the registered mobile number, email, or ABN. For SWIFT wires, the bank's SWIFT code is also needed: CBA (CTBAAU2S), Westpac (WPACAU2S), ANZ (ANZBAU3M), NAB (NATAAU3303). Australia does not use IBAN.
What is PayID and how does it help receiving transfers in Australia?
PayID is a payment alias introduced by the Australian Banking Association. You register your mobile number, email, or ABN with your bank and link it to your account. When someone sends money to your PayID, it routes to your linked account within seconds via Osko. Several international providers now deliver to a PayID directly, making it the fastest and simplest receiving method.
Are there taxes on money sent to Australia from abroad?
Australia has no gift tax. Personal remittances and gifts received from overseas are generally not taxable income in Australia. However, if you are an Australian tax resident receiving income from foreign employment, business, or investments, it may be assessable. The ATO (Australian Taxation Office) requires residents to declare worldwide income. Family support transfers are typically not assessable.
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