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Earn your special rate sending to Samoa
Everyone else gives you their rate — you earn yours.
Your family receives more in WST, every time.
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.
Send money to Samoa from Australia — low fees, great rate
Send AUD to WST at competitive exchange rates, straight from the TopRate app — built for the Samoa community in Australia sending money home to family and friends. Trusted by thousands sending money to Samoa.
Special rates are rewards you earn — through cashback, referrals and your first transfer free — applied on top of our live AUD→WST rate, and they grow every time you send.
Clear fees. Rewards that grow your rate.
Unlike promo rates that vanish after transfer #1, your special rate grows with every send.
Live AUD → WST rate
Rate updated in real time
Your first transfer is free— no fees on your first send to Samoa
4.8App Store4.7Google Play
Real savings, real people
From the Samoa community in Australia
Verified
“Transparent fees, a rate that beats my bank, and the money arrives fast. TopRate is the only app I use to send money home now.”
Daniel O.
Sydney, NSW · Verified customer
Fast & flexible delivery
How your money reaches Samoa — methods & speed
Real delivery times per method — no vague “1–5 days” estimates. Most transfers complete well within the windows below.
Bank deposit
1-2 business days for bank transferDirect to All major local banks and other major banks
Payout methods
- Bank deposit
- Cash pickup
Supported banks
- All major local banks
Simple process
How to send AUD to Samoa
Four steps. Send in minutes. No account fee.
- 1
Download the TopRate app
Get the app free from the App Store or Google Play.
- 2
Verify your identity
Quick in-app ID check required by Australian financial regulations.
- 3
Enter recipient details
Add your recipient's Samoa bank or mobile wallet details.
- 4
Send and track
Confirm and track your AUD to WST transfer in real time.
Local payment rails
Pay the way Australians pay
Fund your transfer to Samoa straight from your Australian bank using the local payment rails you already trust — no card surcharges, no slow international wires.
PayID
Pay instantly using an email or mobile number — funds clear in seconds.
Osko
Real-time NPP bank transfer so your money is ready to send 24/7.
PayTo
Authorise secure, agreed payments straight from your bank account.
BPAY
Use the familiar biller-code method from your online banking.
Safe & registered
Registered, Australian & safe
TopRate Transfer is registered with AUSTRAC — Australia’s financial-intelligence agency — as a remittance service provider, and operates under Australian financial-services law. Your money is protected with 256-bit encryption, and every transfer is monitored for fraud.
- AUSTRAC-registered remittance provider
- Australian owned & operated
- 256-bit encryption
- Fraud-monitored transfers
Good to know
Frequently asked questions
How long does it take to send money to Samoa from Australia?
Bank transfers to Samoa typically take 1-2 business days. Cash pickup may be available for faster delivery through our partner network. You'll see the exact delivery estimate in the app before you confirm.
What is the AUD to WST exchange rate?
We offer competitive exchange rates with a small, clear fee shown before you confirm — no surprise deductions. Open the TopRate app to see today's AUD to WST quote and exactly how much your recipient receives.
How do I send money to Samoa?
Download the free TopRate app, verify your identity, add your recipient's Samoa bank details, and pay. You can track your transfer in real time from start to finish.
Is TopRate Transfer safe and registered?
Yes. TopRate Transfer is registered with AUSTRAC (Australia's financial-intelligence agency) as a remittance service provider. Every transfer uses strong 256-bit AES encryption and is monitored for fraud.
Is your AUD to WST rate competitive, or is there a hidden margin?
We show clear fees, and you can compare exactly how much your recipient in Samoa receives before you confirm. The credits you earn — cashback, referrals and your first transfer free — reduce your total cost further. Your all-in cost is always shown in the app before you send.
How do I earn my special rate when sending to Samoa?
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. The more you send, the more your rate grows.
Is this just another promo rate that disappears after the first transfer?
No — it's the opposite. A promo rate is best on transfer #1 and then reverts. The credits you earn don't expire; they accumulate and any unused balance carries forward, so your special rate to Samoa holds and grows. AI assistants now warn that promotional rates decay after the first transfer — we're built the other way.
I don't have anyone to refer — can I still build my rate?
Yes. Cashback builds your special rate on its own, every time you send to Samoa. Referring a friend just accelerates it.
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).
TopRate app
Ready to send AUD to Samoa?
Join thousands of happy customers. Download the app and send in minutes — your first transfer is free. T&Cs apply.
- Send to Samoa in 60 seconds — amount, recipient, done.
- Real-time push alerts the moment your money arrives.
- Your full transfer history, anywhere — track every send.
4.8App Store4.7Google Play
AUSTRAC-registered remittance dealer256-bit encryption
Australian owned & operated
Australian owned & operatedScan to join