Sending money from Australia
Sending Money From Australia Overseas: Plain Guides
Facts checked
Quick answer
- You can send money overseas through your bank or a money transfer business. Moneysmart says transfers can arrive instantly or take up to five business days.
- The real cost is the fee plus the exchange rate margin. Compare the amount your recipient receives for the same AUD amount.
- Money transfer businesses must be registered with AUSTRAC. Search the Remittance Sector Register before you send.
Exchange rates from AUD
Mid-market reference rates, with the time we checked them. Not the rate a provider will give you.
- AUD to PHPMid-market reference rate from the Australian dollar to the Philippine peso, with the time we checked it.
- AUD to INRMid-market reference rate from the Australian dollar to the Indian rupee, with the time we checked it.
- AUD to CNYMid-market reference rate from the Australian dollar to the Chinese yuan, with the time we checked it.
- AUD to VNDMid-market reference rate from the Australian dollar to the Vietnamese dong, with the time we checked it.
- AUD to NZDMid-market reference rate from the Australian dollar to the New Zealand dollar, with the time we checked it.
- AUD to GBPMid-market reference rate from the Australian dollar to the British pound, with the time we checked it.
- AUD to USDMid-market reference rate from the Australian dollar to the US dollar, with the time we checked it.
- AUD to EURMid-market reference rate from the Australian dollar to the Euro, with the time we checked it.
- AUD to IDRMid-market reference rate from the Australian dollar to the Indonesian rupiah, with the time we checked it.
- AUD to LKRMid-market reference rate from the Australian dollar to the Sri Lankan rupee, with the time we checked it.
- AUD to NPRMid-market reference rate from the Australian dollar to the Nepalese rupee, with the time we checked it.
- AUD to FJDMid-market reference rate from the Australian dollar to the Fijian dollar, with the time we checked it.
Sending money home to family, paying a bill in another country, or moving your savings before a move abroad: the steps are much the same wherever the money is going. Choose how to send, check the provider, compare what arrives, and get the recipient's details exactly right. We wrote these guides so you can do each of those with confidence.
Every guide starts with official Australian sources, such as Moneysmart, AUSTRAC and the Reserve Bank, then the rules in the destination country. Provider facts come from the provider's own pages, with the date we read them. We last checked everything on this page on 29 October 2026.
RemitHome.net.au is an independent guide run by Dominet BV. We're not a bank or a money transfer business, we don't send money for anyone, and we're not registered with AUSTRAC because we don't provide remittance services. No link on this site is an affiliate link right now. If that changes, we'll say so in our affiliate disclosure, and it won't change what we write. This is general information, not financial advice.
Start here
- International transfer fees and exchange rate margins: where the cost of a transfer hides, with worked examples and a formula for comparing providers against the mid-market rate.
- How to check a money transfer business with AUSTRAC: searching the register, why providers ask for ID, what they report, and how to spot scams.
Country guides
- Send money to the Philippines: bank, cash pickup, GCash and Maya, and GCash wallet limits.
- Send money to India: bank deposits with IFSC, UPI, cash pickup and the RBI rules for receiving money.
- Send money to China: bank, UnionPay card, Alipay and Weixin, plus the foreign exchange rules your recipient deals with.
- Send money to Vietnam: bank, MoMo and other wallets, cash pickup, home delivery, and receiving in dong.
- Send money to New Zealand: the NZ account number format, and why name checks don't cover payments from Australia.
- Send money to the UK: sort codes, Faster Payments and the details your bank may ask for.
All guides are listed on our guides page.
The four ways to send
Moneysmart, run by ASIC, describes two main routes: your bank, or a money transfer business. You can usually start either online, in an app or in person. On the receiving side, Moneysmart lists four ways your recipient can get the money:
- Bank deposit into the recipient's account.
- Cash pickup at an agent or counter.
- Cash delivery to the recipient's home, where a provider offers it.
- An online wallet linked to the recipient's phone number.
Not every option is available in every country, and the price can differ between them even with the same provider. Each country guide shows what's listed for that destination.
Four checks before you send
1. Is the provider registered?
Money transfer businesses in Australia must be registered with AUSTRAC. Search the Remittance Sector Register by name or ABN. AUSTRAC says a registered provider will ask for your ID, and that if a business doesn't ask, it probably isn't registered. Banks don't need to be on that register.
2. What will arrive?
Moneysmart suggests comparing the exchange rate, the fees, any fees the receiver pays, the payment method and the transfer time. The single number that captures most of this is the amount your recipient gets for the same AUD amount. Our fees guide shows how to check it against the mid-market rate.
3. Are the recipient's details right?
A wrong account number is hard to undo. Name-matching checks in some countries don't apply to payments from overseas, so read the details back to your recipient before you send.
4. Could this be a scam?
Never send money to someone you only know online, and never move money for someone else. Moneysmart warns that once money reaches a scammer, getting it back is almost impossible.
How we work
We're an editorial site. We don't send money, we don't collect your details, and we don't publish live exchange rates or price tables, because they change by the minute. When we mention a provider, it's an example we checked on its own website on the date shown, marked as a provider source. It isn't a recommendation or a ranking. When we couldn't verify a fact, we left it out.
Frequently asked questions
Does RemitHome.net.au send money?
No. We're an independent guide run by Dominet BV. We don't send money, we don't hold funds, and we're not a remittance provider.
How do I know if a money transfer company is legitimate?
Check that it's on AUSTRAC's Remittance Sector Register, and expect it to ask for your ID. If it's a bank, check APRA's list of authorised deposit-taking institutions.
What's the cheapest way to send money overseas from Australia?
It depends on the amount, the country and how your recipient wants to receive it. Compare the amount received for the same AUD amount from your bank and two or three registered providers, at the same time.
Do I need to declare money I send overseas?
Not when it goes through a bank or money transfer business. AUSTRAC says you must declare physical cash or bearer negotiable instruments of $10,000 or more that you carry, mail or ship across the border.
How long does an international transfer take?
Moneysmart says transfers can arrive instantly or take up to five business days, depending on the provider, the country and the delivery method.
Sources
- Sending money overseas, Moneysmart (ASIC), updated 17 Sep 2026Accessed
- Remittance registration actions and register search, AUSTRAC, updated 21 Oct 2026Accessed
- Unregistered remittance dealers, AUSTRAC, updated 30 Jul 2026Accessed
- Moving money overseas, AUSTRAC, updated 22 Oct 2026Accessed
- List of authorised deposit-taking institutions, APRA, updated 15 Oct 2026Accessed