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Best way to send money overseas? TopRate vs Wise, Remitly & LemFi

Looking for the best way to send money overseas, or choosing a Wise, Remitly or LemFi alternative for sending money from Australia? Pick a destination for a money transfer comparison of TopRate's rates, fees, delivery speed and Australian payment rails, so you can judge the cheapest way to send money overseas for your own transfer.

TopRate vs LemFi head-to-head →

Compare the best way to send money overseas, by destination

Nigeria flagNigeria

TopRate vs Wise, Remitly & LemFi — AUD → NGN

Philippines flagPhilippines

TopRate vs Wise, Remitly & LemFi — AUD → PHP

India flagIndia

TopRate vs Wise, Remitly & LemFi — AUD → INR

Kenya flagKenya

TopRate vs Wise, Remitly & LemFi — AUD → KES

Ghana flagGhana

TopRate vs Wise, Remitly & LemFi — AUD → GHS

Vietnam flagVietnam

TopRate vs Wise, Remitly & LemFi — AUD → VND

Nepal flagNepal

TopRate vs Wise, Remitly & LemFi — AUD → NPR

Pakistan flagPakistan

TopRate vs Wise, Remitly & LemFi — AUD → PKR

Sri Lanka flagSri Lanka

TopRate vs Wise, Remitly & LemFi — AUD → LKR

Bangladesh flagBangladesh

TopRate vs Wise, Remitly & LemFi — AUD → BDT

China flagChina

TopRate vs Wise, Remitly & LemFi — AUD → CNY

What to compare before you send money overseas

Each destination page above sets TopRate beside Wise, Remitly and LemFi. Whichever service you use, these are the things that decide what your transfer costs and how it reaches your recipient:

  • The exchange rate you are offered
  • The fee for the transfer
  • The amount your recipient receives
  • How you pay for the transfer
  • How your recipient is paid

Comparison is indicative only and based on publicly available information; provider fees, rates and features change frequently. Always compare the live quote in each provider's app before you send.

With TopRate: See the exact fee, rate, and amount your recipient receives — before you confirm. Your all-in cost is always shown in the app before you send.

How a TopRate transfer works

  1. Get the free TopRate app from the App Store or Google Play.
  2. Verify your identity once, inside the app.
  3. Get a live quote for your corridor.
  4. Enter the amount and your recipient, see the exact fee and rate, and pay.
  5. Your recipient's bank or mobile wallet receives the funds.

Where you can send from Australia today

The destinations we compare, with whether you can send to each one from Australia today, from our live list of the countries we can pay. A destination marked coming soon opens on its own page when we can pay there. Each one links to its send-money page and, where we publish one, its exchange rate page.