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Compare exchange rates, fees, and delivery times from 53+ providers to find the cheapest way to send money abroad.
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When comparing international money transfer services, consider the total cost of your transfer — not just the fee. Exchange rate markups can cost more than the advertised fee. The best provider depends on your corridor (the countries you are sending between), transfer amount, speed requirements, and preferred payment method.
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Save $354 — LemFi vs ANZ
59d trend
Today's best
0.7170
LemFi
59d average
0.7091
Period best
0.7241
2026-05-06
Period worst
0.6829
2026-03-29
Based on 59 days of rate data across 15 providers · Updated every 6 hours
LemFi
Speed
Minutes to 1 business day
Fee
Free
Rate
0.7170
Mid 0.7128 ▲0.59%
$717.02
Recipient gets
Exchange rate
0.7170
Mid-market: 0.7128 (0.59% above)
Transfer fee
Free
Delivery
Minutes to 1 business day
Recipient gets
$717.02
InstaReM
Speed
1-3 business days
Fee
A$5.00
Rate
0.7131
Mid 0.7128 ▲0.04%
$709.53
Recipient gets
Exchange rate
0.7131
Mid-market: 0.7128 (0.04% above)
Transfer fee
A$5.00
Delivery
1-3 business days
Recipient gets
$709.53
Rate History
Best rate 31 of 59 days↑ 2.2% over 50d
0.7084
0.68 – 0.73
+0.7%
Deals & promotions
Sign-up offer
125 InstaPoints (~$1.25) on sign-up
Refer a friend
You get 200 InstaPoints (~$2.50) per referral
Friend gets 200 InstaPoints (~$2.50) on first transfer
Loyalty program
InstaPoints — earn points on transfers over $500, redeem at checkout (400 points = $10 discount)
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
0.7092
Estimated · click to quote
~$709.25
Estimated
Exchange rate
0.7092
Mid-market: 0.7128 (0.51% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~$709.25
WorldRemit
Speed
Minutes to 3 days
Fee
Free
Rate
0.7041
Mid 0.7128 ▼1.22%
$704.11
Recipient gets
Exchange rate
0.7041
Mid-market: 0.7128 (1.22% below)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
$704.11
Rate History
↑ 2.1% over 53d
0.7001
0.68 – 0.71
+0.6%
Deals & promotions
Sign-up offer
First 3 transfers fee-free
Code: 3FREE
Refer a friend
You get $20 voucher per referral
Friend gets $20 voucher after first transfer of ~$130+
Remitly
Speed
Minutes to 3-5 days
Fee
A$1.49
Rate
0.7043
Mid 0.7128 ▼1.19%
$703.28
Recipient gets
Exchange rate
0.7043
Mid-market: 0.7128 (1.19% below)
Transfer fee
A$1.49
Delivery
Minutes to 3-5 days
Recipient gets
$703.28
Rate History
↑ 2.2% over 50d
0.7010
0.68 – 0.72
+0.5%
Deals & promotions
Sign-up offer
$25 off first transfer of $100+ with zero fees and special exchange rate
Refer a friend
You get $25 per referral
Friend gets $25 off first transfer + zero fees + promo rate
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
0.7000
Mid 0.7128 ▼1.80%
$699.98
Recipient gets
Exchange rate
0.7000
Mid-market: 0.7128 (1.80% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
$699.98
Rate History
↓ 2.8% over 8d
0.7075
0.70 – 0.72
-1.1%
Deals & promotions
Sign-up offer
$20/GBP 20/EUR 20 bonus on first transfer with promo code
Refer a friend
You get $5/GBP 5/EUR 5 per referral
Friend gets $5/GBP 5/EUR 5 on first transfer
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
0.6981
Mid 0.7128 ▼2.06%
$698.13
Recipient gets
Exchange rate
0.6981
Mid-market: 0.7128 (2.06% below)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
$698.13
Rate History
Most stable rate↓ 0.6% over 16d
0.6812
0.67 – 0.69
-0.5%
Deals & promotions
Sign-up offer
First transfer with no fees
Refer a friend
You get $20 e-gift card per referral
Friend gets Fee-free first transfer
Exchange rate
0.6978
Mid-market: 0.7128 (2.11% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
$697.77
Rate History
Rate up 3.6%↑ 3.6% over 53d
0.6959
0.67 – 0.71
+0.3%
Commonwealth Bank
Speed
2-5 business days
Fee
Free
Rate
0.6950
Mid 0.7128 ▼2.50%
$694.99
Recipient gets
Exchange rate
0.6950
Mid-market: 0.7128 (2.50% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
$694.99
Rate History
↑ 2.2% over 58d
0.6917
0.67 – 0.71
+0.5%
OFX
Speed
1-3 business days
Fee
A$15.00
Rate
0.6971
Mid 0.7128 ▼2.20%
$686.60
Recipient gets
Exchange rate
0.6971
Mid-market: 0.7128 (2.20% below)
Transfer fee
A$15.00
Delivery
1-3 business days
Recipient gets
$686.60
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
Exchange rate
0.6848
Mid-market: 0.7128 (3.93% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
$684.80
Rate History
↑ 2.1% over 50d
0.6815
0.66 – 0.70
+0.5%
PayPal
Speed
Instant to 3 days
Fee
A$5.99
Rate
0.6808
Mid 0.7128 ▼4.49%
$676.73
Recipient gets
Exchange rate
0.6808
Mid-market: 0.7128 (4.49% below)
Transfer fee
A$5.99
Delivery
Instant to 3 days
Recipient gets
$676.73
Rate History
↑ 1.6% over 59d
0.6777
0.65 – 0.69
+0.5%
Deals & promotions
Sign-up offer
$10 when signing up via a referral link
Refer a friend
You get $10 per referral (up to 5 friends, $50 max)
Friend gets $10 after signing up and spending/sending $5+
Wise
Speed
Instant to 2 days
Fee
A$58.35
Rate
0.7146
Mid 0.7128 ▲0.25%
$672.90
Recipient gets
Exchange rate
0.7146
Mid-market: 0.7128 (0.25% above)
Transfer fee
A$58.35
Delivery
Instant to 2 days
Recipient gets
$672.90
Rate History
↑ 1.8% over 6d
0.7035
0.70 – 0.71
+1.0%
Deals & promotions
Sign-up offer
Fee-free first transfer up to ~$800 (GBP 500 equivalent)
Refer a friend
You get Up to $115 for every 3 friends who transfer $300+
Friend gets Fee-free first transfer (up to ~GBP 500)
TorFX
Speed
1-3 business days
Fee
A$80.85
Rate
0.7108
Mid 0.7128 ▼0.28%
$653.35
Recipient gets
Exchange rate
0.7108
Mid-market: 0.7128 (0.28% below)
Transfer fee
A$80.85
Delivery
1-3 business days
Recipient gets
$653.35
Deals & promotions
Refer a friend
You get GBP 50 per referral
Friend gets GBP 50 on first transfer
CurrencyFair
Speed
1-2 business days
Fee
A$87.94
Rate
0.7107
Mid 0.7128 ▼0.30%
$648.18
Recipient gets
Exchange rate
0.7107
Mid-market: 0.7128 (0.30% below)
Transfer fee
A$87.94
Delivery
1-2 business days
Recipient gets
$648.18
Exchange rate
0.7104
Mid-market: 0.7128 (0.34% below)
Transfer fee
A$88.43
Delivery
1-4 business days
Recipient gets
$647.57
Deals & promotions
Refer a friend
You get $25–$50 gift card depending on friend's transfer amount
Friend gets $25 gift card (transfer $1,000+) or $50 gift card (transfer $5,000+)
Exchange rate
0.6926
Mid-market: 0.7128 (2.84% below)
Transfer fee
A$476.47
Delivery
2-5 business days
Recipient gets
$362.58
Rate History
↑ 3.2% over 24d
0.6842
0.66 – 0.70
+2.0%