Send money home on WhatsApp.
No app to download. Open a chat, get a live rate, pay by PayID or card — all from the WhatsApp you already have. Sent to 30+ countries from Australia and New Zealand.
Opens WhatsApp · AUSTRAC-registered remittance dealer
Three taps to send money
No forms. No app downloads. Just WhatsApp.
Tap the button
Tap Send on WhatsApp. A pre-filled chat opens — no account sign-up needed to get a quote.
Get your live rate
Tell us how much you're sending and where. We show you the live rate, fee, and exact amount your recipient receives.
Pay and it's done
Pay by PayID (instant bank transfer) or card. Your recipient's bank or mobile wallet receives the funds.
30+ destinations, one chat
Bank deposits and mobile-money wallets across Africa, Asia, the Pacific, and beyond.
Africa
Nigeria, Kenya, Ghana, Tanzania, Uganda, Senegal, and more
Asia & Pacific
Philippines, India, Sri Lanka, Nepal, Bangladesh, Vietnam
Pacific Islands
Fiji, Tonga, Samoa, Papua New Guinea
Middle East
UAE, Pakistan, Jordan
Full destination list appears when you start a chat. Supported corridors vary by delivery method (bank / mobile-money / cash pickup).
Common questions
How do I send money on WhatsApp with TopRate?
Tap the 'Send on WhatsApp' button on this page. A chat opens with a pre-filled message. Follow the prompts to choose your destination country, amount, and recipient — then pay by PayID or card. No app download required.
Is sending money via WhatsApp safe?
Yes. TopRate Transfer is an AUSTRAC-registered remittance dealer. All transfers use 256-bit encryption. Your WhatsApp conversation with TopRate is end-to-end encrypted by Meta. We never ask for your banking password.
What countries can I send money to on WhatsApp?
TopRate supports 30+ destination countries from Australia and New Zealand — including Nigeria, Philippines, India, Kenya, Fiji, Pakistan, Sri Lanka, and more. The full list appears when you start a chat.
Do I need to download an app?
No. The WhatsApp channel works entirely in the WhatsApp app you already have. You don't need to download the TopRate app, though you can if you prefer.
How much does it cost to send money via WhatsApp?
Fees depend on the destination corridor and amount. We show you the exact fee and exchange rate before you confirm — no surprises. New customers may be eligible for a promotional first-transfer rate. Ask in the chat for current rates.
How fast does the money arrive?
Most bank deposits and mobile-money transfers arrive within minutes to a few hours depending on the destination. PayID payments from Australian banks are processed instantly on our end.
Ready to send?
Open WhatsApp and start a transfer in under two minutes. Join 10,000+ Australians who trust TopRate.
Opens WhatsApp · No app download · AUSTRAC-registered