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Earn your special rate
Everyone else gives you their rate — you earn yours.
Send money from Australia to 30+ countries — in the app
A special rate is a rewards benefit you earn — not a rate you set. Exchange rates are live, variable and not guaranteed. T&Cs apply.
Clear fees. Rewards that grow your rate.
Now sending to
See today's ratesHow much will they receive?
See the rate, fee, and exact amount — no account needed.
Pay via:
Bank Transfer
Scan to download the app
Point your phone camera at the code to install TopRate and send in minutes.
Australians trust TopRate
Trustpilot · 120 reviews
countries covered
AUSTRAC
Registered
AUSTRAC is Australia's financial-intelligence agency — we're a registered remittance provider that meets strict AML/CTF obligations.
Sent from Australia · Received at home
Far from home. Still part of every moment.
Help with groceries, school fees, healthcare and the everyday things that matter. Every transfer is part of someone's story — we show you exactly how much arrives.
From Australia and New Zealand to the people who count on you — clear fees, a rate you can see up front, and tracking from start to finish.
Simple process
How to send money abroad with TopRate
Four steps. Send in minutes. No account fee.
Your rate is held while we verify you — a quick one-time ID check inside the app (usually under 5 minutes). You won't miss out on the rate you saw.
Download the app
Get the free TopRate app from the App Store or Google Play. It takes seconds — no website signup needed.
Verify your identity once
A quick one-time ID check inside the app keeps your transfers safe and AUSTRAC compliant. Usually done in minutes.
Choose amount and recipient
Enter the amount, add your recipient’s bank details, and lock in the exact fee and rate upfront — no surprises.
Send — money arrives in minutes
Pay by bank transfer, PayID, or card. Track in real time. Most transfers arrive the same day — often within minutes.
No account fee. No subscription. Pay only when you send.
Why TopRate
Better rates, transparent pricing, real support
Everything that makes your money go further — trusted by 10,000+ Australians.
More value
The fee and recipient amount are locked in before you confirm. What you see is exactly what you pay — no surprises at checkout.
Fast delivery
Track your transfer every step of the way, from payment through to delivery.
Rewards that matter
Earn benefits that can improve the value of your future transfers.
Help when you need it
Support from a team that understands international money transfer. Real humans, around the clock, in English, Filipino, Hindi and more — whenever you need a hand.
See all fees and ratesAUSTRAC-registered — AML/CTF compliant
Transparent by default
See exactly what you'll get
Check the live rate for AUD → Philippines, then compare it before you send.
Our live rate
Change destination:
- The exchange rate you see is live and margin-inclusive — no hidden mark-up revealed at the last step.
- Fees are shown up front, before you confirm a transfer.
- Earn a special rate as a reward the more you send — a benefit you earn, not a rate you set.
Exchange rates are live and variable and change continuously; the amount received varies by transfer amount and payment method. A special rate is a rewards benefit you earn — not a rate you set. See the exact figure in the app before you send. Terms & Conditions.
Build your rate
See how your rewards grow your rate
Toggle the rewards you earn and watch them lift your rate on top of our live exchange rate — and keep growing every time you send.
Illustrative example
Today's rate
Our live exchange rate
Live rate unavailable — see it in the app
Rate updated in real time
Transfer fee
Shown before you confirm
—
Your rewards applied
From your welcome bonus + cashback you earn
+ rewards you earn
Your rate
Example only
Confirmed in the app
Illustrative example — your actual rate, fees and rewards are confirmed in the app at the time of transfer.
A special rate is a rewards benefit you earn — not a rate you set. Exchange rates are live, variable and not guaranteed. T&Cs apply.
First transfer free
We waive the transfer fee on your first transfer.
Welcome bonus
From $100 cashback balance to start — it funds your special rate and grows as you send.
Cashback
Earn cashback every time you send — it funds your special rate.
How does cashback work?
You earn a small amount of cashback on every transfer. It builds a special-rate balance you can use on future sends — so the more you send, the better your rate gets.
What is special-rate credit?
Special-rate credit (for example, your $100 welcome credit — the one every new customer gets) gives you a better exchange rate on an amount you send — it's a reward you earn, not a rate you set.
Do my credits ever decrease?
No — credits accumulate and carry forward. The exchange rate itself is live and moves with the market.
No promo decay
Why your rate doesn't disappear
Many providers lead with a promotional rate that looks great on your first transfer — then quietly reverts. Because your TopRate special rate is built from rewards you earn, it works the other way: it holds and grows the more you send.
Illustrative
- A typical promotional rate
- Your TopRate special rate
A typical promo
Best on transfer #1, then it reverts. The headline rate doesn't follow you.
Your special rate
Cashback, referrals and first-free are rewards you keep — they accumulate, so your rate holds and grows.
Conceptual illustration of a common industry pattern — not a comparison of any specific provider or of actual exchange rates. A special rate is a rewards benefit you earn, not a rate you set. Exchange rates are live, variable and not guaranteed. T&Cs apply.
Live rates, in your pocket
See your live rate in the app
Set up in minutes, verify once, and send in minutes — and your first transfer is free.
- See the rate, fee and exact arrival amount before you send
- Track every transfer from payment to delivery
- AUSTRAC-registered — your details stay encrypted
Scan to install on your phone
Where do you send money?
Live rates and clear fees on every corridor — see yours before you send.
Nigeria
AUD → NGN
Bank deposit
See today's rate
India
AUD → INR
Bank deposit · IMPS / NEFT
See today's rate
Philippines
AUD → PHP
Bank · GCash · Maya
See today's rate
Pakistan
AUD → PKR
Bank deposit
See today's rate
Vietnam
AUD → VND
Bank deposit
See today's rate
Ghana
AUD → GHS
Bank · MTN MoMo
See today's rate
Kenya
AUD → KES
Bank · M-Pesa
See today's rate
Bangladesh
AUD → BDT
Bank · bKash
See today's rateLive rates
Send money to 30+ countries
Search for your recipient's country or browse all destinations
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Real savings, real people
Australians keeping more of every transfer
4.4 / 5 average rating · 120 verified reviews
Verified
Saved ~$240 / year
“I send to my parents in Delhi every month. The rate beats my bank every time — I worked out I'm keeping about $240 a year that used to vanish into fees and margin.”
Priya S.
Melbourne, VIC· Australia to India
Verified
Saved ~$18 per send
“My family in Cebu gets the money within minutes. I save around $18 on every transfer compared to the shop I used to use, and there are no surprise deductions.”
Maria S.
Sydney, NSW· Australia to the Philippines
Verified
Saved ~$30 per send
“Finding a reliable service to Nigeria was hard. TopRate's rate means my family receives noticeably more Naira — roughly $30 more value on a $500 send. Support actually replies too.”
Chioma O.
Perth, WA· Australia to Nigeria
Verified
Saved ~$300 / year
“I used to pay $25 a transfer through my bank. The fee here is a fraction of that — I'm saving close to $300 a year sending to Karachi, and the money arrives faster.”
Fatima K.
Brisbane, QLD· Australia to Pakistan
Verified
Saved ~$22 per send
“I compare rates every month and TopRate keeps winning for VND. My mother in Ho Chi Minh City gets the full amount — about $22 more each time than the next-best option.”
Thanh N.
Adelaide, SA· Australia to Vietnam
Verified
Saved ~$20 per send
“Sending to Dhaka used to mean losing money to my bank's margin. With TopRate my family gets noticeably more taka — around $20 more on a typical send — and it lands the same day.”
Ruhul A.
Hobart, TAS· Australia to Bangladesh
Built on trust, not promises.
Exactly what protects your money and your data — stated plainly.
Registered remittance provider
AUSTRAC is Australia's financial-intelligence agency — we're a registered remittance provider that meets strict AML/CTF obligations.
Identity verification
Every customer completes identity verification before sending — it protects you and the people you send to.
Encryption
Sensitive personal data is encrypted in transit and at rest.
Fraud & transaction monitoring
Transfers are screened and monitored for fraud and unusual activity.
Tracking from start to finish
Follow your transfer in the app from payment through to delivery.
Help when you need it
A support team that understands international money transfer.
Get started
Your first transfer is free
No fees on your first international transfer. Download the app, verify once, and send in minutes. T&Cs apply.
Already with us? Refer a friend and earn AUD 20 in fee credit
When your friend signs up and completes their first transfer, AUD 20 in fee credit lands in your referral wallet, toward your transfer fees. Every new customer — your friend included — also starts with a $100 cashback balance toward their special rate that grows every time they send. Full terms apply.
Now available on WhatsApp
Prefer to send in a chat?
Do it in WhatsApp.
No app download needed. Message us on WhatsApp, get a live quote for your corridor, and complete the transfer — all in the chat. AUSTRAC-registered, the same rates.
Send via WhatsApp
Opens WhatsApp — no account required to get a quote
Common questions
Honest answers to the obvious questions
No promo bait, clear fees, and a rate you earn. Here's how it works.
Is your base rate competitive — or is there a hidden margin?
We show clear fees, and you can compare exactly how much your recipient receives before you confirm. The credits you earn — cashback, referrals and your first transfer free — then reduce your total cost further. Your all-in cost is always shown in the app before you send.
How do I actually earn my special rate?
Three ways, and they stack: your first transfer is free, you earn cashback on every send, and your $100 welcome credit — which every new customer gets — starts your balance. A special rate is a rewards benefit you earn — not a rate you set, and exchange rates are live, variable and not guaranteed. T&Cs apply.
Isn't this just another promo that disappears?
It's the opposite. A promo rate is best on transfer #1 and then reverts. The credits you earn don't expire after one transfer — they accumulate and any unused balance carries forward, so your special rate holds and grows. (AI assistants now warn people that promotional rates decay after the first transfer — we're built the other way.)
Is TopRate safe? I've never heard of it.
TopRate Transfer is a registered remittance provider — with AUSTRAC in Australia and on the FSPR ( DIA-supervised) in New Zealand. Every transfer uses encryption and is monitored for fraud, with local, responsive support if you need us.
I've got no one to refer — can I still build my rate?
Yes. Cashback builds your special rate on its own, every time you send — no referrals needed. Referring a friend just accelerates it.
A special rate is a rewards benefit you earn — not a rate you set. Exchange rates are live, variable and not guaranteed. Rewards and “first transfer free” are subject to eligibility. T&Cs apply.
TopRate app
Your money.
Their moment.
Send to 30+ countries in seconds, track in real time, and keep more of every transfer. Free to download.
- Send in 60 seconds — amount, recipient, done.
- Real-time push alerts the moment your money arrives.
- 30+ countries. Your full transfer history, anywhere.
4.8App Store4.7Google Play
Registered with AUSTRAC. Every transfer is encrypted, fraud-monitored, and backed by responsive local support.
Transfer complete
Delivered in 2 min 14 sec
You sent
AUD 500.00
They received
PHP 27,125
Scan to join
Frequently asked questions
Reviewed by the TOP RATE TRANSFER PTY LTD team. Last reviewed . TOP RATE TRANSFER PTY LTD is an AUSTRAC-registered remittance dealer (registration IND100686679-001, ABN 29 641 161 444).