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Available on iOS & Android
Send money from
your pocket.
Check your live rate and send from anywhere — no desktop needed.
Check your live rate and send from anywhere.
Track your transfer in real time, from send to arrival.
256-bit encryption and two-factor login, every time.
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9:41
T
TopRate TransferAvailable balance
AUD 2,450.00
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Track
History
Latest transfer
Maria Santos
Philippines • PHP
PHP 25,400
Delivered
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Active Users
iOS & Android
Available On
Why choose TopRate
Built for Australians sending money overseas to family and friends
Strong security
256-bit encryption protects your data and funds at every step.
Competitive exchange rates
Competitive exchange rates with clear, upfront fees and no surprise deductions.
Arrives in minutes
90% of transfers arrive within minutes to 30+ countries worldwide.
30+ countries
Send to Africa, Asia, the Pacific, and beyond from Australia.
How it works in 3 steps
From download to your first transfer in under 5 minutes
1
Download
Get TopRate from the App Store or Google Play in seconds.
2
Sign up
Quick ID verification takes just 2 minutes. Required by AUSTRAC regulation.
3
Send
Add a recipient, choose your amount, and send at our live rate.
AUSTRAC registered
256-bit encryption
Two-factor login
24/7 support
Ready to send?
Download TopRate today and send your first transfer in minutes. Join 10,000+ Australians who trust TopRate.