A better rate to start. Fee credit every time you send.
New customers get our special rate on their first AUD 500 for 30 days. After that, every completed transfer earns cashback as fee credit that pays your TopRate fee on the next one.
AUD 500
At the special rate to start
Up to 2%
Cashback as fee credit
AUD 10
Per referral
Your welcome offer
Special rate- Special rate on your first A$500 for 30 days
- Every completed send adds fee credit
How the rewards work
Three simple steps from sign-up to fees paid by your cashback
Start on the special rate
Sign up and your first AUD 500 (NZD 500 in New Zealand) is priced at our special rate for 30 days. It is applied automatically on the Send screen.
Earn fee credit as you send
Every completed transfer earns cashback on the amount converted at our standard rate: 1% to start, up to 2% as you move up the tiers. It is paid as fee credit.
Your next fee is covered
You can choose to use it at checkout to pay the TopRate fee on your next transfers, down to a minimum fee of AUD 0.90 (NZD 0.90). Each credit is valid for 365 days.
Cashback tiers
Your cashback rate increases automatically as you send more — no opt-in required.
| Tier | Completed transfers | Cashback rate |
|---|---|---|
| Standard | 0+ transfers | 1.00% |
| Silver | 15+ transfers | 1.25% |
| Gold | 30+ transfers | 1.50% |
| PlatinumTop tier | 50+ transfers | 2.00% |
Tier determined by lifetime completed transfers at the time each transfer completes. See full program terms §6.
Build your rate
See what your rewards are worth
Toggle the rewards you earn: the welcome offer lifts your rate on top of our live exchange rate for your first $500, and cashback pays your fees on every transfer after that.
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 offer's special rate
+ 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.
Welcome offer
Our special rate on your first $500 for 30 days — applied automatically.
Cashback
Earn cashback every time you send — paid as fee credit toward your next TopRate fee.
How does cashback work?
You earn cashback on every completed transfer — 1% to start, up to 2% — paid as fee credit that pays the TopRate fee on your next transfers. Each credit lasts 365 days.
What is the special rate?
Our special rate is a better exchange rate than our standard rate. Every new customer gets it on their first $500 for 30 days — it's a reward you earn, not a rate you set.
Do my rewards expire?
The welcome offer lasts 30 days, cashback fee credit 365 days and referral credit 60 days. 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: a welcome rate on your first $500, then cashback 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
The welcome rate covers your first $500 for 30 days. After that, cashback keeps paying your fees as fee credit, and your tier steps up at 15, 30 and 60 transfers.
Conceptual illustration of a common industry pattern — not a comparison of any specific provider or of actual exchange rates. The special rate and cashback are rewards benefits, not rates you set; cashback is fee credit, not cash. Exchange rates are live, variable and not guaranteed. T&Cs apply.
Invite a friend, earn AUD 10
When your friend signs up using your referral link and completes their first transfer of AUD 100 or more, AUD 10 fee credit lands in your wallet, applied automatically toward your next transfer fee and valid for 60 days. Your friend starts on our special rate for their first AUD 500, for 30 days. Up to 10 rewarded referrals per 12-month period. T&Cs apply.
You earn
$10 AUD
fee credit per successful referral
Your friend gets
$500 at the special rate, 30 days
Limits worth knowing
There is no minimum transfer amount for cashback. You can hold up to AUD 30 (NZD 30) of unspent cashback fee credit at a time, and each credit is valid for 365 days from the day it is earned. Referral credit is valid for 60 days. The welcome offer lapses 30 days after sign-up, whether or not it was used.
See the difference
A straightforward look at how TopRate compares to sending money through a major Australian bank.
- Special rate on your first $500 for 30 days
- Rate shown before you confirm
- Earn fee credit on every completed send
- Typically 3–5% FX margin on international transfers
- Transfer fees typically $15–$30
- Rate often shown only at final payment step
* Major bank FX margin estimate based on ASIC MoneySmart guidance on international transfer costs. Individual bank rates and fees vary. Not financial advice.
Trusted, registered & transparent
TopRate Transfer is an AUSTRAC-registered remittance provider — your money and data are protected.
AUSTRAC-registered
TopRate Transfer is registered with AUSTRAC as a remittance dealer, compliant with Australian AML/CTF laws.
No hidden fees
See the exact fee, rate, and amount your recipient receives — before you confirm. No surprises at checkout.
Cashback is real
Use your fee credit at checkout — no claims process, no voucher codes. It pays the TopRate fee on your next transfer.
Cashback & rewards — frequently asked questions
How does the special rate work?
Our special rate is a better exchange rate than our standard rate on the same corridor. Every new customer gets it on the first AUD 500 (NZD 500 in New Zealand) they send in their first 30 days. Anything you send above that, or after the 30 days, is converted at our standard rate and earns cashback.
What is the welcome offer?
Every new TopRate customer in Australia or New Zealand gets our special rate on the first AUD 500 (NZD 500) they send, for 30 days from sign-up. It is applied automatically when you send. It is a better rate, not a cash balance, and it lapses after 30 days whether or not it was used. A customer who comes back after 12 months without a transfer gets it once more, with the 30 days starting when they return.
When do I move to the next cashback tier?
Your tier is determined by your total lifetime completed transfers at the moment each new transfer completes. Once you cross a tier threshold (15, 30, or 50 completed transfers), your cashback rate increases automatically on the next transfer. No opt-in is needed.
Does my cashback credit expire?
Yes. Cashback is paid as fee credit and each credit is valid for 365 days from the day it is earned. Referral credit is valid for 60 days. You can hold up to AUD 30 (NZD 30) of unspent cashback at a time, so use it as you go. Credit is forfeited on account closure and may be clawed back if a transfer is refunded.
What counts as an eligible transfer for the referral bonus?
Your friend must sign up to TopRate using your unique referral link or code and successfully complete their first transfer of at least AUD 100 (NZD 100), cleared and not reversed or refunded. You then receive AUD 10 (NZD 10) of fee credit, valid for 60 days, for up to 10 friends in any rolling 12 months. Only the first transfer counts: a smaller first transfer does not earn the credit. Your friend gets the welcome offer: our special rate on their first AUD 500 for 30 days.
Ready to see your rate?
Download the TopRate app and your special rate is waiting on your first AUD 500 — then fee credit on every send after that.
