Best Way to Send Money to Australia

If the goal is to find the best way to send money to Australia without unnecessary fees, then Ogvio just might be the platform everyone is looking for.

This money transfer app was just launched, but it already offers a beginner-friendly system, low fees, and instant cross-border transfers.

	OGVIO
Deposit Fees	Bank - free Crypto - free Card - varies
Withdrawal Fees	Varies
Other Fees	Conversion fee (varies)
Card Maintenance Fees	Card coming soon
Fee Transparency
Markup
	Visit site Read review

Table: Ogvio fees

As of now, Ogvio is focusing on building the platform for personal users and simple everyday transfers. However, planned services for businesses are also in the works.

And typically, there is a price to pay if you want the flash-level transfer speed. But you’ll be pleased to know that instant transfers between Ogvio users will be 100% free. Even trades between cryptocurrencies will carry no fees at all!

Most transactions are likely to remain free or low-cost, with instant speed built in for every transfer. Such efficiency makes Ogvio one of the fastest and cheapest ways to send money to Australia.

It also supports over 40 currencies, and once you deposit, your funds will be pegged to USD and EUR. This safeguards your money from large fluctuations in currency values, preserving your purchasing power. Moreover, crypto purchases are also available on the Base network, with coins such as:

• Bitcoin
• Ethereum
• AAVE
• LINK
• etc.

Transferring funds to someone who does not use Ogvio is just as simple. You only need to share a payment link, and the recipient can follow it to create an account and claim the money. The app even includes a @Tag feature, making every transfer feel like a quick chat instead of a lengthy process.

Here’s a quick recap of what we know so far about Ogvio:

Table: Ogvio pros and cons

If the idea of effortless global transfers sounds appealing, try out Ogvio. Signing up early means you’ll be among the first to see how it all works and perhaps even take advantage of special offerings.

Ask around about how to send money to someone in Australia, and chances are someone will say, “Just use Wise”.

After all, the platform moves about £36 billion every quarter, connecting more than 14.8 million users worldwide (as of writing). Even those planning to transfer money to Australia often pick Wise for its fast delivery and transparent pricing.

	WISE
Supported Countries	US Canada Germany +160 more
Supported Languages	EN DE FR +15 more
Supported Fiat Currencies	USD CAD EUR +40 more
Supported Cryptocurrencies	Fiat-only
	Visit site Read review

Table: Wise country coverage

Now, let’s talk about convenience for a moment. Wise works on both web and mobile, and it comes with a multi-currency account that can hold 40 currencies at once.

It even provides local bank details in more than 9 currencies, which makes receiving payments feel effortless. With this feature, clients can pay you like a local, whether they’re next door or halfway across the world.

For example, if you often transfer money from New Zealand (NZ) to Australia, Wise handles it smoothly through its partnership with the Australia and New Zealand Banking Group (ANZ). Everything from paying invoices to managing team expenses moves faster and costs far less than traditional transfers.

As for everyday spending, the Wise debit card feels like a reliable travel buddy. It costs a one-time fee of 10 AUD, has no ongoing charges, and lets you tap and pay in stores or online, both locally and overseas.

You will also get 2 free ATM withdrawals per month (up to 350 AUD). Thereafter, a small fee applies. If you want to use Wise’s card, you can order one directly from your account under the [Cards] tab, with delivery in Australia typically taking 7–14 working days.

Here’s a short recap of the perks and downsides before deciding if it’s right for you:

Table: Wise pros and cons

All things considered, Wise keeps its service refreshingly practical. It’s quick, widely accessible, and upfront about fees, which is what you’d expect from a trustworthy money app.

PayPal has been around since the late nineties, so it’s safe to say it’s no stranger to global payments. In 1998, when money was still mostly physical cash and coins, a startup called Confinity began developing digital payment solutions for everyday use. A year later, it became PayPal with a goal to make money move faster and easier online.

By 2000, the platform had already attracted more than a million users, thanks to eBay sellers who preferred instant payments over mailing checks. Even today, many people still use it as their go-to method when figuring out how to send money from Canada to Australia, or practically anywhere else in the world.

	PAYPAL
Founded In	1998
Founders	Peter Thiel, Max Levchin, Luke Nosek, Ken Howery, Yu Pan
Headquarters	United States
Licensing	FinCEN, ASIC, FCA
	Visit site Read review

Table: PayPal company info

Over the years, PayPal has evolved far beyond simple online payments. Those who like to dabble in digital assets will appreciate the built-in crypto wallet, where you can buy, sell, and store tokens like BTC and LINK.

There’s also PayPal Savings, which offers up to 3.65% APY with no monthly fees or minimum balance requirements (the rate changes over time). It’s a neat addition if you like having your spending and savings side by side.

The part where PayPal starts to lose points is its FX rate. Currency conversions tend to hover around 4–4.5%, noticeably higher than the mid-market rate.

In other words, international transfers can end up pricier than you’d expect. Still and all, PayPal’s support for senders in more than 200 countries keeps it relevant for those looking to send money to Australia.

Here’s a snapshot of PayPal’s strengths and weaknesses before deciding how it fits your needs:

Table: PayPal pros and cons

Overall, PayPal remains one of the most convenient tools for sending, shopping, and saving worldwide. It’s perfect for quick personal transfers or digital purchases, but those chasing the lowest-cost route for sending money overseas might want to compare it with other platforms first.

Xe started as everyone's go-to site for checking exchange rates against the US dollar, but it didn't stop there.

The platform eventually grew into a full-scale international money transfer service, backed by Euronet Worldwide (EEFT), a multibillion-dollar NASDAQ-listed company known for electronic payment and transaction processing solutions. Thanks to Euronet's investment-grade credit rating from Standard & Poor's, users can trust that their money stays secure with Xe.

	XE
KYC	Name, surname, ID, proof of address
Fraud/AML Prevention	KYC AML/ATF Sanctions screening Monitoring controls
Account Protection	2FA Real-time monitoring Identity checks
	Visit site Read review

Table: Xe security framework

Xe's strong reputation for reliable currency transfers also extends to Australia. If you plan to send money there, you'll need your recipient's details, including:

• Full name and address
• Account number
• Bank State Branch (BSB)
• BIC or SWIFT code
• Bank’s name

Paying through Xe's Express Bank option is usually the fastest route, with transfers often completed within a few hours. Traditional bank transfers take longer, and processing at the recipient's bank can stretch the total delivery time to around three business days.

Transfer limits depend on your bank. For example, HSBC Australia applies a default daily cap of AUD 5,000, which can be increased to AUD 50,000 upon request.

Xe works with a global partner network, and the exact route your money follows depends on the amount, currency, and destination. Because of this, the final rate may adjust once you add your transfer details. The good news is that Xe always shows a clear notice before you confirm, so there are no surprises at checkout.

Here’s a quick overview of Xe’s perks and quirks before you decide:

Table: Xe pros and cons

In short, Xe offers a practical mix of reliability and global reach. However, the interface can feel basic compared with newer apps, and exchange rates may still fluctuate slightly during processing. Whether that's a deal-breaker depends on what you value most in your transfer experience.

The idea behind WorldRemit began with one man’s frustration over high transfer fees. Ismail Ahmed, who once struggled to send money home as a student, decided to reinvent the remittance industry through technology.

As of writing, Ahmed’s solution has connected over 8 million users worldwide and has grown into one of the most trusted digital platforms for sending funds overseas.

	WORLDREMIT
Founded In	2010
Founders	Ismail Ahmed, Catherine Wines, Richard Igoe
Headquarters	United Kingdom
Licensing	FCA, AMF, FinCEN
	Visit site Read review

Table: WorldRemit company info

Every transaction runs under the full supervision of financial regulators, including AUSTRAC. Transfers to Australian bank accounts are usually credited within 1 to 3 business days, and both the sender and recipient receive instant email updates once the money lands.

Those who send money regularly may find the affiliate program worth a look. It rewards users who refer new customers, paying out commissions within 30 days after the performance month ends.

The default rate sits at £30 per qualified referral, and active promoters can earn higher payouts based on traffic quality. It’s a simple way to turn your remittance know-how into an extra income stream.

Unfortunately, cash pickup is not yet supported in Australia, so recipients can only receive money directly into their bank accounts. The airtime top-up feature, which lets users send prepaid mobile credit, is also unavailable in Australia. It currently operates only in Fiji within the Oceania region.

Here’s a rundown of WorldRemit’s pros and cons:

Table: WorldRemit pros and cons

Although the cash pickup method isn’t available in Australia, the platform compensates with fast money transfers. Deciding whether it is the best way to send money to Australia depends on your comfort with its drawbacks and how well its benefits align with your needs.

OFX has been handling international transfers for over 25 years. It mainly caters to businesses and freelancers with high-value or recurring payments, though individual users also benefit from its extensive coverage.

The company is listed on the Australian Securities Exchange under the ticker OFX and is regulated by more than 50 authorities worldwide, with a solid compliance record and a strong focus on transparency and trust.

	OFX
KYC	Name, surname, ID, proof of address
Fraud/AML Prevention	KYC Phishing and malware detection Registration and login monitoring Transaction monitoring
Account Protection	MFA Security questions Automatic time-outs
	Visit site

Table: OFX security framework

With strong regulation and global reach, OFX supports transfers to nearly every major bank in Australia, including Westpac, ANZ, HSBC, Commonwealth Bank, and NAB.

Transfers in major currencies such as AUD, USD, GBP, and JPY usually arrive within 1–2 business days. A minimum transfer of £100 applies to all major currencies, so recipients can avoid extra intermediary or bank fees.

The Standard plan is suitable for individuals or smaller businesses that manage occasional transfers without requiring additional automation. Businesses can subscribe to the Full Suite at $125 per month, which provides enhanced controls, automated approvals, spend management, and advanced integrations with Xero, QuickBooks, and Employment Hero.

Users can hold accounts in over 30 currencies, settle invoices, and process payroll without juggling multiple platforms. Virtual cards can be issued for staff or projects with custom spending controls, and cards linked to former employees can be canceled instantly without affecting other operations.

With these features in mind, here are the pros and cons of using OFX:

Table: OFX pros and cons

Those points sum up OFX's strengths for high-volume transfers. Businesses especially appreciate the depth, but personal users benefit too on bigger transfers. If your needs are scale-based, OFX might be the best way to send money to Australia for you.

Rizon is a bit different from other platforms in this list. It's an iOS and Android app that allows you to send, spend, and save stablecoins globally. Rizon combines a self-custodial wallet with global crypto cards, cross-border payments, and merchant support at over 100 million locations.

Developed by Rizon Global, Inc., the app serves as a technology platform connecting users to third-party financial service providers. Rizon itself does not hold or transmit funds and has no access to users’ wallets or private keys, ensuring that users remain in full control of their assets at all times.

	RIZON
KYC	Name, surname, ID
Fraud/AML Prevention	KYC AML PEP screening Sanctions screening
Account Protection	Biometrics / Face ID Passkeys Cloud backup Non-custodial keys
	Visit site

Table: Rizon security framework

When you sign up, a non-custodial wallet is created for you, securely tied to your identity but fully private. To ensure safety, Rizon has partnered with Privy to generate and encrypt wallets on your device using face ID, passkeys, and biometric verification.

Additionally, even if your phone gets lost, recovery and backup tools built into the system keep your wallet safe and your access secure.

Deposits can be made in USDT and USDC from supported chains like Arbitrum, Solana, and Base directly into your non-custodial wallet. Funds are stored in a smart contract vault maintained by Rain Cards, giving your wallet sole ownership and keeping money completely outside centralized accounts.

📚 Read More: A Guide to Different Types of Crypto Wallets

Once your wallet is funded, payments use your stablecoin balance and automatically convert to local currency at the lowest available fee. Fees include:

• Free transfers to another Rizon wallet or via email, SMS, or WhatsApp;
• External wallet transfers incur a 0.1% network fee;
• Spending in non-USD currencies carries a 1.5% FX fee;
• ATM withdrawals cost 2% plus $3, capped at $250 per day.

After going through fees and features, let’s review the key pros and cons of Rizon:

Table: Rizon pros and cons

Rizon is ideal if you are comfortable handling stablecoins and need a highly flexible system for international payments. Nonetheless, your choice depends on whether speed, global card access, and direct wallet control matter more than the transfer fees and the requirement for recipients to create accounts.

Western Union has been around since 1851, and it’s still going strong, helping millions figure out how to send money to Australia from USA or just about anywhere else.

Its story actually began with telegrams, not transfers. Western Union built the first transcontinental telegraph line and even sponsored an expedition to survey a telegraph route through Russian-owned Alaska and Siberia. The company’s negotiations with Russia during that project later played a part in the United States’ purchase of Alaska in 1867.

	WESTERN UNION
Founded In	1851
Founders	Ezra Cornell, Jeptha Wade, Hiram Sibley, Samuel L. Selden
Headquarters	United States
Licensing	FinCEN, PSD
	Visit site Read review

Table: Western Union company info

From those early cables to today’s digital transfers, Western Union remains everywhere. Whether you live in rural areas or big cities, you’ve probably seen a Western Union agent sign somewhere.

It's hard to miss, given the over 500,000 agent locations worldwide. In Australia alone, payments can be made through more than 2,900 Australia Post outlets.

Online transfers are also part of the game now. Through the Western Union website or mobile app, you can send funds straight to bank accounts, mobile wallets, or for cash pickup. Cash pickups often arrive within minutes, while bank transfers may take a day or two.

Fees and rates can vary based on the payment method and how your recipient collects the money. Keep in mind that fees tend to be higher than on some newer apps, though its local partnerships in Australia help maintain fast and dependable service.

Given everything covered so far, here are the key pros and cons of using Western Union:

Table: Western Union pros and cons

Western Union has stayed a household name for decades, still serving millions who transfer money from UK to Australia or between other corners of the world. The brand’s long track record has built a sense of reliability that’s hard to replicate, keeping it among the top choices for international remittances.