Compare international money transfers

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Frequently asked questions

• What is the cheapest way to send money abroad?

  Normally, using a bank transfer to fund your international money transfer is the cheapest way to send money overseas. Fees and options vary between providers, so the cheapest option depends on which service you choose and how you transfer the money.

• How long does an international money transfer take?

  In general, if you pay with a credit or debit card, your money will arrive fast — often within the day. Paying by bank transfer is slower and can take up to 2-4 business days to process. Check out our guide on factors that can affect your transfer to learn more.

• Can I transfer money internationally instantly?

  It's possible to send money within seconds up to an hour if you use Wise, WorldRemit or Western Union. Funds transferred electronically typically pass through a national clearinghouse and other intermediary financial networks before being released to your recipient. If you opt to send an international money transfer with an instant cash transfer, then this could be available for collection as cash within as little as 20 seconds.

• Are there maximum sending limits for international money transfers?

  Legally, there are no limits on the amount of money you can send out of Australia. Providers such as TorFX and OFX have no maximum transfer limit. However, money transfers over $10,000 get reported to automatically AUSTRAC.

• Do you need a BSB code for an international transfer?

  You don't need a BSB number for international transfers as they are only used for domestic transfers in Australia. Instead, you will need a SWIFT code for international transfers.

• What is a cash pickup?

  A cash pick up allows your recipient to pick their money up in cash from a physical location. Cash pickups can be fast and convenient, and are available worldwide. They allow your recipient to have instant access to the money you sent, without needing a bank account.

  If you need to send money overseas to a loved one without a bank account, then you can use a money transfer specialist which offers cash pickups. These transfers are fast and secure, with pickup locations available across the globe. However, you need to watch out for weaker exchange rates and higher fees compared to deposit transfers.

• How does cash pickup work?

  Cash pickup services vary from company, but typically they require 4 simple steps:

  1. Place your order. You submit your recipient's contact information, the amount you're looking to send and other details either through the money transfer company's site or its storefront. Some providers require you to choose a specific location for pickup. Take care to enter your recipient's name as shown on their ID to avoid any issues with pickup.
  2. Wait for processing. The processing time for your transfer will depend on which provider you use, but most expedite cash pickups. Once processed, you will receive a transfer reference that your recipient can use at pickup - and that you can use to track the progress of your transfer.
  3. Recipient picks up cash. Your recipient picks up the cash from the location you have specified, or at a convenient location in the company's network. They will need to take your transfer reference number with them, as well as some official ID.
  4. Get confirmation. After your recipient picks up the money transfer, you should receive a text or an email confirming the time and location of the cash pickup. Alternatively, you can track the transfer with your transfer reference number.

• When is the best time to transfer money?

  To avoid busy periods at the beginning and end of the month, it's better to transfer money halfway through the month. Doing this will ensure your transfer arrives on time as there is a lower chance of delays because it's an off-peak time.

• How to make sure my international money transfer is safe?

  Many money transfer services implement industry-standard measures for protecting your personal data and money, similar to banks. This can include data encryption, SSL certificates, multi-factor authentication and regular monitoring to detect and prevent fraudulent activity.

Sending to a specific country?

• New Zealand

• China

• India

• Nepal

• The Philippines

• UK

• USA

• Vietnam

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