Send money from Australia to the United States. Cheap and fast ways to transfer money abroad

Compare the best transfer fees and rates to send money from Australia to the United States

Best ways to send money to the United States from Australia

  • Cheapest: Wise
  • Best exchange rate: Wise
  • Fastest provider: Wise
  • Best rated: OFX
Best ways to send money to the United States

How to send money from Australia to the United States a step-by-step guide

So, how can I send money from Australia to the United States quickly and conveniently? Usually the easiest way to send money is to arrange your transfer through a digital service, which means you can get set up without even needing to leave home. Here’s a step-by-step guide on how to transfer money from Australia to the United States online.

If you're sending money from a bank account in Australia to a bank account in the United States, choosing a specialist provider can be the cheapest and fastest way to make your payment. Different providers have their own processes for arranging payments – but the steps you'll take are usually roughly the same:

  • 1
    Choose a way to send money
    often the easiest way to send money is to set up your payment online or through an app. You can use your bank’s online transfer system if you’d rather stick with a familiar option, or compare a few specialist international money transfer services which can often have a lower overall cost and a faster service compared to a bank
  • 2
    Compare providers with our handy comparison table
    enter the amount you want to send from Australia to the United States to generate instant comparison quotes from our selection of safe and reliable money transfer services. You’ll be able to see the fees and exchange rates available, the delivery speed and how much the recipient will get in the end, so you can pick the right service for your needs
  • 3
    Register
    you’re using an online money transfer service for the first time, you’ll need to register an account and get verified. This can usually be done with just your phone by entering your personal contact information and uploading images of your ID alongside with your address documents. If you’d prefer to send your money with a bank you’ll need to open an account first – this can often be done online or by going to your local branch in person, but you may need to make an opening deposit before you can access services payment.
  • 4
    Start your transfer
    log into your bank or provider account, and start your transfer by entering the amount of money you want to send, and the currency it should be received in. Depending on the provider you’re using you may be able to choose from different payout options, such as bank deposit or cash collection. You’ll need to follow on screen prompts to enter all the recipient details to ensure your transfer can be made securely

How to send money from Australia to the United States a step-by-step guide

Banks and specialist international money transfer services each have their own pros and cons, so you’ll need to compare a few to decide which is best for you. Here are a few important factors to consider:

  • Transfer time: Transfer times can vary a lot. While some specialist money transfer services can deliver your payment instantly or in just a few minutes, it’s common for banks to take 3 to 5 days if the transfer is processed using the SWIFT network. In our comparison, the fastest way to send money from Australia to the United States was with Wise. Interested in how to send money instantly? There’s more on the fastest way to send money from Australia to the United States here.
  • Transfer fees: When you send an international payment you may have several different fees to pay including an upfront transfer fee, exchange rate markup and possible third party costs. Some providers split out all their fees transparently, but it’s not always the case. That means you’ll have to carefully compare both the stated transfer fees and the exchange rates to see which is the best overall value. In our comparison, Wise had the lowest overall cost when sending money from Australia to the United States.
  • Required documentation: For security reasons and to comply with international laws, you’ll often need to provide proof of your ID and address when sending a payment abroad. This can normally be done using a government issued ID document like your passport or driving license, and a bank statement or utility bill which shows your name and address clearly. Higher value transfers may also require extra paperwork, such as proof of the source of the funds. Learn more about the documents needed when sending money from Australia to the United States here.
  • Exchange rates: Banks and money transfer services set their own exchange rates, which can include fees. Use a currency converter tool to check the mid-market exchange rate, and compare this against the rates offered by different providers, to pick the one that’s best value for your specific needs.

What are the best methods to transfer money?

Banks and specialist international money transfer services each have their own pros and cons, so you’ll need to compare a few to decide which is best for you. Here are a few important factors to consider:

  • Wire Transfer: Sending a bank wire transfer is safe, familiar and reliable. You can usually set up your wire online or through your bank’s app, or call into a branch. Wire transfers arranged through a bank can be fairly expensive, including a transfer fee and a markup added to the transfer rate, plus possible third party costs from correspondent banks.
  • Online Money Transfer Service Providers: Online money transfer providers let you register and arrange a payment using nothing more than your phone or laptop. Different providers have their own features and fees, which may include varied pay out methods and fast or even instant delivery times. Specialist online money transfer services like Wise or Commonwealth Bank offer fast and reliable transfers from Australia to the United States.
  • Cryptocurrency Transfers: If your recipient has a cryptocurrency wallet, you could consider sending your payment as a cryptocurrency transfer. The costs of making a cryptocurrency transfer can vary based on the specific currency and the transfer service you pick.
  • Cash Pickup Services: Many providers like Western Union and Remitly offer cash pickup services which allow recipients to collect their payment in cash from a local agent. This can be fast and convenient, particularly if you’re sending to someone without easy access to a bank account. Fees may be higher compared to sending money for deposit to a bank account.

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Compare money transfer services from Australia to the United States

Shopping around is the best way to find the right service for your payment from Australia to the United States. Our handy comparison tool makes the job easy.

We’ve taken a selection of reputable, reliable and safe money transfer services and rated them based on cost, speed and customer trust, to help you pick the right one for you. Our table starts from least to most expensive provider, so you can easily see the cheapest way to send money from Australia to the United States, taking into account transfer fees and available exchange rates.

  • Money transfer services compared: 6 services
  • Currently the cheapest: Wise
  • Cheapest cost: 5.68 AUD
  • Currently the fastest: Wise
  • Fastest time: 0-2 Days
  • Currently best rated: OFX
  • Money transfer companies included: Wise, XE, OFX, CurrencyFair, ANZ, Commonwealth Bank

What is the cheapest way to send money from Australia to the United States?

  • Wise: 5.68 AUD
  • XE: 6.01 AUD
  • OFX: 6.98 AUD
  • CurrencyFair: 11.49 AUD
  • ANZ: 33.56 AUD

Need the cheapest way to send money from Australia to the United States? When sending money from Australia to the United States, Wise offers the best rate at 0.6661 for Australian Dollar/US Dollar and charges a fee of 5.68.

Wise, the cheapest option, has a Australian Dollar/US Dollar exchange rate of 0.6661 and a fee of 5.68 AUD.

This would save you 36.44 AUD compared to Commonwealth Bank, who has a fee of 42.11 AUD.

You'll want to pay attention to both the upfront fee the provider shows you as well as the Australian Dollar/US Dollar exchange rate.

Often providers will claim to be a cheap international wire transfer provider, with low, or even no fees, but in reality they're hidden within the exchange rate. Right now, Australian Dollar/US Dollar interbank rate is 0.666. Whenever you compare fees for transferring money to the United States, it can pay off to look at the exchange rate they offer.

Finding alternative ways to transfer money to the United States shouldn't be hard, we've put together a list of cheap ways to send money to the United States to help you with your search.

For example, most traditional banks add a hidden markup to the exchange rate they offer you. If 1 AUD is 0.666 USD, your bank can add a 3% exchange rate markup and give you a rate of $ 1 = 0.686 $

  • Wise is the cheapest option, with a AUD/USD exchange rate of 0.6661. Their fees to transfer money to the United States is 5.68 AUD
  • XE offers a AUD/USD exchange rate of 0.6621. Their fees to transfer money to the United States is 6.01 AUD
  • OFX offers a AUD/USD exchange rate of 0.6614. Their fees to transfer money to the United States is 6.98 AUD
  • CurrencyFair offers a AUD/USD exchange rate of 0.6624. Their fees to transfer money to the United States is 11.49 AUD

What is the fastest way to send money to the United States?

  • Wise: 0-2 Days
  • ANZ: 1-2 Days
  • OFX: 1-3 Days
  • CurrencyFair: 1-3 Days
  • Commonwealth Bank: 1-3 Days

Interested in finding the fastest way to send money from Australia to the United States? When sending money from Australia to the United States, it’s good to know that a dedicated money transfer service can often process your transfer faster than banks, which typically take 3-5 working days. For instance, the quickest provider on our comparison table aims to complete your transfer in 0-2 Days.

That’s because banks typically rely on the SWIFT network for international transactions. This means your money passes through multiple intermediaries, causing delays. In contrast, online money transfer services have established their own efficient networks, ensuring quicker and sometimes even instant transfers to your recipient’s account.

The fastest provider in our table to transfer money from Australia to the United States is Wise – 0-2 Days.

Learn more about instant international money transfer methods here.

What is the best rated provider to transfer money to the United States from Australia?

Of the 6 providers we found for transferring money to the United States, here's how they stack up in terms of number of reviews and average score:

  • OFX - Trustpilot rating: 4.4, Excellent
  • Wise - Trustpilot rating: 4.3, Excellent
  • XE - Trustpilot rating: 4.3, Excellent
  • CurrencyFair - Trustpilot rating: 3.1, Average
  • Commonwealth Bank - Trustpilot rating: 2, Poor

What is the safest way to send money?

Choosing an international money transfer service can feel like a risk. However, our comparison tool recommends secure providers which operate within the law in any part of the world they’re in.


The safest way to send money from Australia to the United States is to select a provider which is properly registered and regulated both in the Australia and United States. There are many global regulators around the world, and it’s common for international money transfer providers to be registered and regulated by dozens of different bodies, depending on where they operate.


In the United States for example, you’ll usually find providers are registered with the Financial Crimes Enforcement Network (FinCEN), and they may also need to hold a state license depending on how they’re set up.

What is the best app to send money from Australia to the United States

Most online providers also have international money transfer apps which allow you to send money abroad instantly, right from your phone or other smart device. Choosing the best app to send money from Australia to the United States will often simply come down to your personal preference and the type of phone you have.

ProviderWebsite
Wise
XE
OFX
CurrencyFair

Wise: from Australia to the United States

Cheapest Fastest Best exchange rate Best transfer options Best rated

Wise offers online and in-app money transfer services to the United States and 80+ other destinations around the world. You'll get the mid-market exchange rate to convert your Australian Dollar, with fast transfer times. In fact, 50% of Wise transfers are instant*, and 90% get there in under 24 hours.

Pros and cons
 
 
  • Mid-market exchange rates and low fees from 0.41%
  • Send money abroad quickly - transfers can even be instant
  • Send in 15+ currencies to 170+ countries
  • No cash payment options
  • No branch network

How much does it cost to send money to the United States with Wise?

  • Transfer fees: Send money from 0.41%
  • Exchange rates: Mid-market exchange rate
  • Additional fees: Transfer fees vary based on destination and how you choose to pay

* The speed of transaction claims depends on individual circumstances and may not be available for all transactions.

XE: from Australia to the United States

Free fee

You can send money online and in-app with XE from Australia, to over 60 countries. Transfer times vary based on how you choose to pay and the country you’re sending to, and XE exchange rates can include a lower markup compared to a regular bank.

Pros and cons
 
 
  • Send to a broad range of countries from Australia
  • Pay for transfers with a bank transfer or card
  • XE is a trusted way to send money safely overseas
  • Exchange rates include a small markup
  • Fees and delivery times vary based on destination and payment type

How much does it cost to send money to the United States with XE?

  • Transfer fees: Fees vary based on how you choose to pay, and the currencies involved
  • Exchange rates: Exchange rates include a small markup
  • Additional fees: Fees vary based on how you choose to pay, and the currencies involved

OFX: from Australia to the United States

OFX is a currency specialist which offers quick international transfers and currency risk management solutions for individuals and businesses. You can send payments with OFX online and in-app, or access a 24/7 phone service if you’d rather talk your transfer through.

Pros and cons
 
 
  • Arrange your payment online, in app or by phone
  • Access other currency services including currency risk management solutions
  • Broad range of supported countries and currencies
  • Exchange rates include a markup
  • Minimum transfer amount 1000 USD

How much does it cost to send money to the United States with OFX?

  • Transfer fees: No transfer fee from Australia
  • Exchange rates: Exchange rates include a markup
  • Additional fees: Third party fees may apply

CurrencyFair: from Australia to the United States

CurrencyFair can be a cheap international money transfer service with quick delivery times on many currency routes. There’s a low, flat fee per transfer, and you could also find you get a better exchange rate compared to your regular bank.

Pros and cons
 
 
  • Send in 15 currencies
  • Low transfer fees
  • Many currencies can be delivered on the same day, or within 1 working day
  • Exchange rates include a markup
  • Pay in Australian Dollar by bank transfer only, no card option

How much does it cost to send money to the United States with CurrencyFair?

  • Transfer fees: 11.49 AUD
  • Exchange rates: Exchange rates include a markup
  • Additional fees: Third party fees may apply depending on how you set up your transfer

ANZ: from Australia to the United States

ANZ (the Australia and New Zealand Banking Group) is the second largest bank in Australia, and a major player in regional financial services. The limits to send money overseas through ANZ online banking are the same as your Pay Anyone limits. These are between 1,000 AUD and 10,000 AUD a day depending on how your account has been set up. You can send more by using phone banking if you prefer to. You can send payments to 99 countries around the world with ANZ.

Pros and cons
 
 
  • Familiar and safe option
  • ANZ will cover correspondent costs on some currency routes
  • Relatively low upfront transfer fee for online payments
  • Exchange rate margins are likely to apply which push up costs
  • Delivery times are not the fastest available
  • Correspondent charges also apply on many currency routes

How much does it cost to send money to the United States with ANZ?

  • Transfer fees in AUD: online 9 AUD if the payment is under 10,000 AUD, send by phone – 32 AUD
  • Exchange rates: Exchange rate margins are likely to apply
  • Additional fees: Third party charges may apply

Commonwealth Bank: from Australia to the United States

Most expensive

Commonwealth Bank (CommBank) has been in business for over 110 years, and is one of the largest publicly listed companies in Australia. You can send payments to 200+ countries in 30+ currencies with Commonwealth Bank and the amount you can send overseas may vary based on the account type you have, and the country you’re sending money to.

Pros and cons
 
 
  • The exchange rate is available to view online
  • Send to 200+ countries in 30+ currencies
  • Send money in a branch, in-app or online
  • Commonwealth Bank exchange rates include a markup
  • Commonwealth Bank transfers generally take 3 business days

How much does it cost to send money to the United States with Commonwealth?

  • Transfer fees in AUD: international payments in-branch 30 AUD, online - 22 AUD
  • Exchange rates: Exchange rates include a mark-up, usually available online
  • Additional fees: Third party charges may apply

How to do bank transfers from from Australia to the United States

How to wire money to the United States

Using a bank transfer from Australia to the United States is one of the most straightforward methods for both the sender and the recipient. The recipient doesn’t have to do anything, the funds simply arrive in their account in the chosen currency, ready for use or withdrawal.

If you’re looking to wire money from Australia directly to a bank account in United States, choosing a specialist provider can be cheaper and quicker than an international bank transfer. While different providers have different steps to process payments, the following steps usually apply to most:

Choose and Register: Begin by selecting a regulated bank or money transfer provider that supports international bank transfers from Australia to the United States.

Account Verification: For enhanced security and to comply with international financial regulations, banks and online transfer providers require users to verify their identity before sending a wire money transfer. This process usually includes uploading digital copies of proof of ID (such as a passport or driving license) and a proof of address (like a utility bill or bank statement).

Fund Your Account: Once registered, you’ll need to deposit funds. While there are multiple methods available, local bank transfer or using a debit card are usually the most economical options.

Initiate the Transfer: With your account funded, add your recipient’s full name and their bank account details. Check everything over, and start your transfer.

Remember, the speed and efficiency of your transfer can vary based on the provider you choose. It’s always wise to compare rates, reviews, and transfer times before making a decision.

What details do you need to send money?

Sending money internationally can seem complicated, especially if this is your first time sending money to the United States from Australia.

Whether you’re a business making a payment, an expat supporting your family, or just sending a gift, you will need a few important details to get your transfer to the right place. We’ve narrowed down the essential information you’ll need to make your transfer:

Recipient’s Full Name: Ensure you have the recipient’s full legal name as it appears on their bank account.

Recipient’s Address: This includes their street address, city, state, and ZIP code.

Bank Name: The name of the recipient’s bank in the US.

Routing Number: A nine-digit number that identifies the recipient’s bank, crucial for transfers to US bank accounts.

Account Number: The recipient’s bank account number.

SWIFT/BIC Code: Important for international transfers to US banks.

How can you pay for your transfer?

Different money transfer services offer different ways to fund your international money transfer.

Usually, bank transfers tend to be the most inexpensive way to transfer money, which is why we use it for our comparisons as the default payment method on Exiap. Let’s explore some of the other payment methods as well for transferring money from Australia to the United States using these services:

  • Wise logo Bank transfer, Card (debit or credit), SWIFT, Google Pay, Apple Pay, Online
  • XE logo Online
  • OFX logo Bank transfer, Direct debit, Online
  • CurrencyFair logo Online
  • ANZ logo Online
  • Commonwealth Bank logo Online
Select a provider

How to send a large amount of money to someone from Australia to the United States?

Before you send a large amount of money to someone in from Australia to the United States you may want to take the following steps:

  • Research Multiple Providers: By comparing provider rates, fees, and user reviews from different providers, you’ll be able to get the best deal for your transfer.

  • Check the limits: Ask your provider if they have any payment limits, and check if your own bank has limits on local transfers.

  • Prepare your account and funds: Complete your account verification in full and prepare to fund your transfer with a debit card or bank transfer to avoid delays.

  • Monitor Exchange Rate: If your transfer isn’t time-sensitive, tracking exchange rates and waiting until the currency Australia/United States exchange reaches its peak value can help you to save money on your transfer.

  • Prepare for additional checks: Ask your provider if you’ll need any further paperwork to send a large amount of money from Australia to the United States. For example, you might need to show the source of the funds, or give details about what the payment is for.

Best way to send large amounts of money?

Choosing the right provider when sending large amounts of money from Australia to the United States can help you save on fees and hidden exchange rate markups. Banks and online transfer providers can add hidden markups in their rates, which can quickly grow as the amount you are looking to send increases.

Money transfer providers often offer discounts for high amount transactions, which may mean as reduced fees or more favorable exchange rates. To ensure you’re securing the most advantageous offer for your transfer, use the Exiap cost comparison calculator and evaluate all options available.

International money transfer limits to from Australia to the United States

While there’s no legal cap on the amount of money that can be transferred from Australia to the United States, individual banks, online transfer services, and other payment providers often set their own limits. These limits can vary based on your payment method.

As an example, the limit to send money from Australia to the United States when paying with a card may differ from the limit for bank transfers.

How much does it cost to send money?

The cost of transferring money internationally can vary based on the service provider, the amount being sent, and the method of transfer. Bear in mind also that wire transfer fees from Australia to the United States can include upfront costs, an exchange markup and extra third party fees added by correspondent banks.

When sending your money from Australia to the United States using an online money transfer provider, the cost of transferring 1000can range from 5.68 to 42.11, including provider transfer fees and any exchange rate markups the transfer provider might apply. If you plan to send with a bank, you could pay more overall. Bank costs often include a transfer fee, exchange rate markup, and SWIFT fees which are paid to third parties involved in the transfer.

As an example: the lowest cost option to send money from Australia to the United States would be Wise with the total cost of 5.68 using a 0.6661 Australian Dollar/US Dollar exchange rate.

By using Wise compared to Commonwealth Bank you could save up to 36.44 AUD on the total cost of your transfer.

How long does it take to send money from Australia to the United States?

If you make a wire transfer from Australia to the United States, how long will it take to arrive? The answer here will depend on multiple factors such as the chosen money transfer service, the payment method, and how the recipient wishes to receive it.

Based on the 6 providers we reviewed, an international wire transfer can take from 0-2 Days to 2-3 Days to arrive when sending money from Australia to the United States if you pay for your transfer with a debit card or bank transfer.

Wise offers the quickest money transfer from Australia to the United States. On the other hand, XE has the longest transfer duration for Australian Dollar, taking 2-3 Days.

Go to Wise

Australian Dollar/US Dollar exchange rate trends

Understanding Australian Dollar/US Dollar exchange rate changes can help you to make better informed decisions on when to send your international transfer. Exchange rates are constantly changing, due to factors such as supply and demand, geopolitical events, and economic indicators.

Rate Monitoring: Wise offers the quickest money transfer from Australia to the United States. On the other hand, XE has the longest transfer duration for Australian Dollar, taking 2-3 Days.

Rate Alerts: Consider setting up rate alerts with our rate tracking tool. This service will notify you when the Australian Dollar/US Dollar exchange rate reaches your desired threshold. For the best monitoring and alert tools, take a look at Currency Live’s recommendations.

Best money transfer rate to from Australia to the United States?

For transfers from Australia to the United States, the mid-market exchange rate often offers the best value. This is the rate at which banks handle currency exchanges in the worldwide markets.

Individuals transferring money overseas don’t always get this rate. In most cases providers add a markup to the rate they quote customers. This inflates the overall fee, making the exact cost of your international money transfer less transparent.

The provider with the best exchange rate is Wise with the Australian Dollar/US Dollar exchange rate of 0.666.

Send money online with a credit card or debit card

Most of the international transfer providers allow credit or debit card payments. While this method can speed up your transfer, it might also introduce added fees, making it less cost-effective than a bank transfer.

Here’s a handy list of providers that support card payments:

Conclusion

The best way to send money from Australia to the United States varies for everyone, depending on what the priority is for you.

For those looking for the cheapest option, Wise is the most affordable international money transfer service. On the other hand, if you are looking to get your transfer across the fastest way possible, Wise is the ideal choice, ensuring your funds reach to the United States in 0-2 Days.

If you’re concerned about safety, you can take comfort in the fact that all of our reviewed providers are trusted and regulated, guaranteeing secure transfers from Australia to the United States.

Frequently asked questions when sending money from Australia to the United States

What is the best way to transfer money online?

There’s no single best way to transfer money online, but by shopping around and using our handy comparison tools you can find a selection of great options, to pick the best for your specific needs. In our comparison, we found Wise to be the cheapest payment service available for your transfer. Compared to Commonwealth Bank you could save up to 36.44 AUD on the total cost of your transfer, when you pick Wise.

Can you send money from Australia to the United States?

If you’re wondering – can I send money from Australia to the United States safely and legally – you can rest assured it’s possible. Use the Exiap comparison table to review services like Wise and Commonwealth Bank which let you send money from Australia to the United States conveniently online.

How much money can I transfer?

International money transfer services and banks have their own limits to send money from Australia to the United States. Maximum amounts may vary based on your preferred payment method, and you might have to provide extra documents such as a proof of the source of your funds if you’re sending a very high value transfer.

How to send money from Australia to the United States for free?

It’s not usually possible to send money from Australia to the United States for free, but it is well worth looking out for special offers and promotions from different providers.These offers may give you reduced transfer costs, better exchange rates, or even waive fees entirely once or twice if you’re a new customer.

How do exchange rates affect the amount received when sending money abroad?

The exchange rate used to convert your payment makes a big difference to the amount the recipient will get in the end. Banks and international money transfer services set their own exchange rates which can include an extra fee, known as a markup. Bank exchange rates may include a markup as high as 3% which pushes up the costs overall.

In our comparison, the best available exchange rate was with Wise with the Australian Dollar/US Dollar exchange rate of 0.666.

What’s the difference between bank transfers and money transfer services?

Bank wires are often processed using the SWIFT network, which involves passing a payment through several different correspondent banks before it’s deposited in the recipient’s account. This is a reliable and established method, but it can take several days and involve high overall costs.

International money transfer services have often established their own payment networks to allow them to avoid SWIFT and make transfers cheaper and faster.