Send Money From Australia
Sending Australian dollars to family overseas or paying someone abroad? This page lays out what a transfer actually costs, points you to the AUSTRAC-registered service that's cheapest on your route, and shows how PayID keeps the price down, so you know exactly what reaches the other end.
Compare live rates from Australia
Set a destination and an amount, and the table stacks every AUD provider from lowest cost to highest: each with its fee, its rate margin, and the sum that finally reaches your recipient.
Compare Money Transfer Services
Sending 1,000.00 AUD → INR · Estimated typical cost · bank deposit, bank-funded
Showing 8 of 17 services we can price for AUD → INR
Estimates only, not live quotes. "Recipient Gets" is for a bank deposit funded from a bank account, on today's mid-market rate: for a "provider quote", minus the rate markup and fee from that provider's own recent quote; for an estimate, minus the provider's typical markup and fee. Rows are ranked by total cost, the fee plus the rate markup, so a fee charged on top of the amount sent counts against a provider even when its recipient gets more. Real cost varies by corridor, amount, delivery and payment method, and promotions (e.g. new-customer offers can be cheaper). Tap a provider to get its live rate before sending. The dot by each provider shows confidence, and the label says how the figure was grounded: "corridor estimate" is a rate we measured for this exact pair; a currency-code estimate (e.g. "USD estimate") is measured for that source currency but not this destination; "typical estimate" is the provider's general figure across all its corridors; "provider quote" is that provider's own recent quote for this pair, its markup and fee applied to today's mid-market rate exactly as its calculator shows them, and a provider whose quote depends on a payment or delivery choice is left out here and priced on its own calculator. Margins are verified against live provider quotes and the World Bank Remittance Prices database; the date above is the most recent collection. Some “Send money now” buttons are partner links: we may earn a commission if you sign up, at no cost to you, and rows are ranked by cost whatever the link. See how we collect these prices and our advertising disclosure.
Best ways to send money from Australia, and who each suits
No single service is best for everyone: it depends on the country, the size of the transfer, and how your recipient wants to collect. The live table decides your route; the shortlist below just points you to who's good at what.
Wise says it converts at the mid-market rate and charges a separate, stated fee. Built for everyday AUD bank-to-bank transfers.
A Sydney-born outfit made for larger sums: no upper limit and a dealer you can phone. On five-figure amounts, compare what arrives with the apps.
Covers the Asian corridors Australians lean on, India, the Philippines and Vietnam, with the fee shown before you send.
Economy or Express, your call, with dependable payout to banks, wallets and cash desks across Asia and the Pacific. Built for the money people send home each fortnight.
Focused on its core corridors and loaded straight from your Australian bank in seconds. Check the table for what it charges on yours.
For a recipient who collects in person and has no bank account: a worldwide counter network that pays out cash, usually within minutes. Compare its exchange rate as well as the fee.
Want the full field? Compare every provider side by side.
How to send money from Australia in 4 steps
Type your amount and where it’s going into the tool above; it orders providers by what your recipient truly receives, fee and rate margin combined, not the fee that shouts loudest.
Registration is quick. Enter the person you’re paying: their name matching their bank or wallet, and the BSB/account, wallet ID or pickup point. You’ll confirm your own identity a single time, which AUSTRAC requires, so it’s routine.
A bank transfer via PayID or Osko is the cheapest way to load a send and clears almost instantly; a card is handy but dearer. And there’s no Australian tax on what you send out.
Give the locked rate and fee one more look, send, and keep the reference so you can watch the transfer all the way to collection.
Popular routes from Australia
The corridors Australian senders use most. Pick any of them (or another country) in the comparison above.
Fees vs the exchange rate: what you actually pay
Two things make up the cost of sending from Australia. Out in the open is the fee, through an app or a bank's overseas transfer alike. Out of sight is the exchange-rate margin: the gap between the mid-market rate and the slightly worse one you're actually handed, which the provider pockets. It shows up on no receipt, so a "fee-free" offer can end up the dearest of the lot.
Send A$1,000 to India and a bank quietly holds a markup it doesn't publish in the rate before its flat fee, whereas an app shows its fee and its rate before you pay, so you can see the rupees landing at the other end. Rank providers on a single measure: fee plus margin as a percentage of the amount sent. That is the basis the table above uses to line them up.
How to pay, and how your recipient gets it
- PayID / Osko bank transfer:
- the cheapest way to load a send, and near-instant. No Australian tax applies to overseas sends.
- Debit card:
- instant to set up for a little more.
- Credit card:
- the dearest, and your bank may charge a cash-advance fee.
- Bank deposit:
- the usual choice, generally one to two business days.
- Cash pickup:
- Western Union and Ria counters, often ready within minutes.
- Mobile wallet:
- UPI in India, GCash in the Philippines, e-wallets across Southeast Asia; commonly instant.
Is it safe? Australian regulation in brief
A transfer from Australia is safe when the provider is registered. Money-transfer businesses here must enrol on AUSTRAC's Remittance Sector Register and carry out identity and anti-money-laundering checks, and the larger operators also hold an Australian Financial Services licence from ASIC. Each option in the table is registered, so the single identity check when you join exists because the law demands it, not because something is off.
Registration covers the business, not a wrong instruction. Check your recipient's name and account or wallet before you approve, because money is hard to get back once it's collected overseas. And stay wary of anyone pressing you to send in a hurry, above all someone you've only met online.
Sending money from Australia: FAQ
What is the cheapest way to send money from Australia?
For the vast majority, the answer is a transfer app funded straight from your bank by PayID. Wise says it converts at the mid-market rate and shows its fee; Instarem, OFX, Remitly and TapTap Send all serve the routes Australians use most: India, the Philippines, Vietnam, Nepal. Going through a big bank is the pricey route, with a rate markup it doesn’t publish layered on its international-transfer fee. Since the leader varies by destination and amount, let the table above sort it for your transfer.
Which app is cheapest to send money from Australia to India or the Philippines?
It changes with the day’s rate and the amount, so there is no fixed answer. Pick India or the Philippines in the table above and enter your amount: it ranks every AUD provider by what your recipient receives once the fee and the rate margin are counted.
How much does it cost to send money abroad from Australia?
You pay a visible fee and an invisible rate markup. The leaner services show both before you pay; a bank tucks a markup it doesn’t publish into the rate and adds a flat fee on top. On a A$1,000 transfer the gap between the cheapest and dearest option for the same delivery can be wide, so let the table above price yours.
How fast will money arrive when I send from Australia?
Minutes on the quick corridors, up to a couple of business days on the rest. To the busy destinations, cash and wallet payouts land instantly or same-day, while a bank deposit generally turns up in one to two business days. PayID and Osko settle the Australian leg almost at once. It’s only a bank’s SWIFT wire that stretches out to three-to-five days.
Are money transfer services in Australia regulated, and is my money safe?
Yes. Money-transfer businesses must enrol on AUSTRAC’s Remittance Sector Register and carry out identity and anti-money-laundering checks, and the larger providers additionally hold an Australian Financial Services (AFS) licence from ASIC. Wise, OFX, Instarem, Remitly and Western Union are all registered here. The one-time ID step at sign-up is a legal requirement, not a warning sign.
Is there a tax on sending money abroad from Australia in 2026?
None at all. Money leaving Australia isn’t taxed, a contrast with the American system, where since 2026 a 1% federal charge applies to some transfers paid for in cash. On an Australian transfer you’re left with just the fee and the rate margin.