International money transfer Send money to Nigeria from Australia
Live rate, clear fee. Then earn cashback on every send.
Cashback is earned and paid as fee credit, never cash. Exchange rates are live, variable and not guaranteed. T&Cs apply.
How much will they receive?
See the rate, fee, and exact amount — no account needed.
Australians trust TopRate
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
International money transfer: 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.
Track every transfer
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.
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
- 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 cashback as fee credit from your first transfer, rising the more you send — a reward 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. Cashback is a rewards benefit you earn, paid as fee credit — not a rate you set. See the exact figure in the app before you send. Terms & Conditions.
Build your rewards
See what your rewards are worth
Toggle the rewards you earn: cashback from your first transfer and a referral credit pay your TopRate fees on later transfers, on top of our live exchange rate.
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
—
Fee credit you'd earn
Cashback, paid as fee credit
+ AUD 10.00
Your rate
Same live rate for every customer
Confirmed in the app
Illustrative example — your actual rate, fees and rewards are confirmed in the app at the time of transfer.
Rewards are earned and paid as fee credit, never cash. Exchange rates are live, variable and not guaranteed. T&Cs apply.
Refer a friend
Earn 10 in fee credit when a friend's first transfer of 100 or more completes.
Cashback
Earn cashback from your first transfer — paid as fee credit toward your next TopRate fee.
How does cashback work?
You earn cashback on every completed transfer, from your first — 1%, rising to 1.25% after 15 transfers, 1.5% after 30 and 2% after 50 — paid as fee credit that pays the TopRate fee on your next transfers. Each credit lasts 365 days.
How does the referral credit work?
When a friend signs up with your link or code and their first transfer of 100 or more completes, you earn 10 in fee credit. Up to 10 paid referrals every 12 months. Your friend earns cashback on their own transfers like any customer.
Do my rewards expire?
Cashback fee credit lasts 365 days and referral credit 60 days. You can hold up to 30 in fee credit, and a transfer always keeps at least a 0.90 fee. The exchange rate itself is live and moves with the market.
No promo decay
Why your rewards don't disappear
Many providers lead with a promotional rate that looks great on your first transfer — then quietly reverts. TopRate works the other way: cashback from your first transfer that pays your fees on every transfer, with tiers that step up the more you send.
- A typical promotional rate
- Your TopRate rewards
A typical promo
Best on transfer #1, then it reverts. The headline rate doesn't follow you.
Your TopRate rewards
Cashback starts on your first transfer and keeps paying your fees as fee credit, and your tier steps up at 15, 30 and 50 transfers.
Conceptual illustration of a common industry pattern — not a comparison of any specific provider or of actual exchange rates. The cashback is a rewards benefit you earn, not a rate you set; cashback is fee credit, not cash. Exchange rates are live, variable and not guaranteed. T&Cs apply.
See your live rate in the app
Set up in minutes, verify once, and send in minutes — and earn cashback from your first transfer.
- See the rate, fee and exact arrival amount before you send
- Track every transfer from payment to delivery
- AUSTRAC-registered — your details stay encrypted
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 rateRates and availability by corridor: Australia to India, Australia to the Philippines, Australia to Nepal, Australia to Pakistan, Australia to Sri Lanka, Australia to Vietnam. Or see today's exchange rates.
Send money to 30+ countries
Search for your recipient's country or browse all destinations
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
Cashback from your first transfer
Every completed transfer earns cashback as fee credit, from your first one, up to 2% as you send more. Download the app, verify once, and send in minutes. T&Cs apply.
Already with us? Refer a friend and earn AUD 10 in fee credit
When your friend signs up and completes their first transfer of AUD 100 or more, AUD 10 in fee credit lands in your wallet, toward your transfer fees. Valid for 60 days, up to 10 paid referrals every 12 months. Full terms apply.
Prefer to send in a chat?
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.
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?
How do I actually earn rewards?
Isn't this just another promo that disappears?
Is TopRate safe? I've never heard of it.
I've got no one to refer — can I still earn rewards?
Rewards are earned and paid as fee credit, never cash. Exchange rates are live, variable and not guaranteed. Rewards 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.
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