Wise cost breakdown
Wise's transfer fee is $58.37 and their exchange rate is 0.7084. Wise uses the mid-market rate, so that means no additional fees.
The total cost of this transaction is: the transfer fee of $58.37 + exchange rate fee $0.00 (Wise uses the mid-market rate) = $58.37.
This makes Wise the cheapest provider in the table to send $15,000.00 to USD.
Read Wise review- Amount you send (fees included)$15,000.00
- Transfer fee$58.37
- Wise exchange rate0.7084
- Equal to the mid-market rate 0.7084
- Fee within the exchange rate$0.00
- Total cost$58.37
- Amount received$10,583.90
TorFX cost breakdown
TorFX's transfer fee is $0.00 and their exchange rate is 0.7045. That rate is lower than the mid-market rate of 0.7084, which will cost you $82.96.
The total cost of this transaction is: the transfer fee of $0.00 + the exchange rate fee $82.96 = $82.96
This makes TorFX the second cheapest provider in the table to send $15,000.00 to USD.
Read TorFX review- Amount you send (fees included)$15,000.00
- Transfer fee$0.00
- TorFX exchange rate0.7045
- 0.54% lower than the mid-market rate 0.7084
- Fee within the exchange rate$82.96
- Total cost$82.96
- Amount received$10,566.81
XE cost breakdown
XE's transfer fee is $0.00 and their exchange rate is 0.7041. That rate is lower than the mid-market rate of 0.7084, which will cost you $90.54.
The total cost of this transaction is: the transfer fee of $0.00 + the exchange rate fee $90.54 = $90.54
This makes XE the third cheapest provider in the table to send $15,000.00 to USD.
Read XE review- Amount you send (fees included)$15,000.00
- Transfer fee$0.00
- XE exchange rate0.7041
- 0.6% lower than the mid-market rate 0.7084
- Fee within the exchange rate$90.54
- Total cost$90.54
- Amount received$10,561.50
CurrencyFair cost breakdown
CurrencyFair's transfer fee is $5.68 and their exchange rate is 0.704. That rate is lower than the mid-market rate of 0.7084, which will cost you $92.68.
The total cost of this transaction is: the transfer fee of $5.68 + the exchange rate fee $92.68 = $98.36
This makes CurrencyFair the fourth cheapest provider in the table to send $15,000.00 to USD.
Read CurrencyFair review- Amount you send (fees included)$15,000.00
- Transfer fee$5.68
- CurrencyFair exchange rate0.704
- 0.61% lower than the mid-market rate 0.7084
- Fee within the exchange rate$92.68
- Total cost$98.36
- Amount received$10,556.00
OFX cost breakdown
OFX's transfer fee is $0.00 and their exchange rate is 0.6992. That rate is lower than the mid-market rate of 0.7084, which will cost you $196.30.
The total cost of this transaction is: the transfer fee of $0.00 + the exchange rate fee $196.30 = $196.30
This makes OFX the fifth cheapest provider in the table to send $15,000.00 to USD.
Read OFX review- Amount you send (fees included)$15,000.00
- Transfer fee$0.00
- OFX exchange rate0.6992
- 1.29% lower than the mid-market rate 0.7084
- Fee within the exchange rate$196.30
- Total cost$196.30
- Amount received$10,488.00
Westpac cost breakdown
Westpac's transfer fee is $0.00 and their exchange rate is 0.6828. That rate is lower than the mid-market rate of 0.7084, which will cost you $560.98.
The total cost of this transaction is: the transfer fee of $0.00 + the exchange rate fee $560.98 = $560.98
This makes Westpac the sixth cheapest provider in the table to send $15,000.00 to USD.
- Amount you send (fees included)$15,000.00
- Transfer fee$0.00
- Westpac exchange rate0.6828
- 3.61% lower than the mid-market rate 0.7084
- Fee within the exchange rate$560.98
- Total cost$560.98
- Amount received$10,242.20
ANZ cost breakdown
ANZ's transfer fee is $0.00 and their exchange rate is 0.6824. That rate is lower than the mid-market rate of 0.7084, which will cost you $570.41.
The total cost of this transaction is: the transfer fee of $0.00 + the exchange rate fee $570.41 = $570.41
This makes ANZ the seventh cheapest provider in the table to send $15,000.00 to USD.
Read ANZ review- Amount you send (fees included)$15,000.00
- Transfer fee$0.00
- ANZ exchange rate0.6824
- 3.66% lower than the mid-market rate 0.7084
- Fee within the exchange rate$570.41
- Total cost$570.41
- Amount received$10,236.00
Commonwealth Bank cost breakdown
Commonwealth Bank's transfer fee is $0.00 and their exchange rate is 0.6822. That rate is lower than the mid-market rate of 0.7084, which will cost you $574.98.
The total cost of this transaction is: the transfer fee of $0.00 + the exchange rate fee $574.98 = $574.98
This makes Commonwealth Bank the eighth cheapest provider in the table to send $15,000.00 to USD.
Read Commonwealth Bank review- Amount you send (fees included)$15,000.00
- Transfer fee$0.00
- Commonwealth Bank exchange rate0.6822
- 3.69% lower than the mid-market rate 0.7084
- Fee within the exchange rate$574.98
- Total cost$574.98
- Amount received$10,233.00
PayPal cost breakdown
PayPal's transfer fee is $5.99 and their exchange rate is 0.6734. That rate is lower than the mid-market rate of 0.7084, which will cost you $777.46.
The total cost of this transaction is: the transfer fee of $5.99 + the exchange rate fee $777.46 = $783.45
This makes PayPal the ninth cheapest provider in the table to send $15,000.00 to USD.
Read PayPal review- Amount you send (fees included)$15,000.00
- Transfer fee$5.99
- PayPal exchange rate0.6734
- 4.93% lower than the mid-market rate 0.7084
- Fee within the exchange rate$777.46
- Total cost$783.45
- Amount received$10,097.64
Quick Verdict: The best ways to send money to the United States
| Category | Winner | Key Stats |
|---|---|---|
| 💰Cheapest Cost | Wise | Total Fees: $58.37 |
| 📈Best Exchange Rate | Wise | Rate: 0.7084 |
| ⚡Fastest Transfer | Wise | Time: Instant-2 Days |
| ⭐Customer Favourite | TorFX | TrustScore: 4.9/5 |
You can send money to the United States with a bank, or you can choose a specialist transfer provider. Often, these providers offer a faster, more efficient, and cheaper way to send money from Australia to the United States.
How to Send Money to the United States: Step-by-Step
The good news is that sending money to the United States is easier than ever. Plus you can usually do everything with your phone or laptop - with no need to stand in line at a bank or money changer’s office. Here’s how to send money to the United States in 5 simple steps:
- Choose a Money Transfer Service
- Enter the amount of money you want to transfer into our comparison tool
- Compare rates, fees, and delivery speed. You’ll see a range of options from reliable providers, so you can compare and pick the best for your specific transfer
- Consider user reviews and security features
- Register with your chosen provider
- Enter Recipient Details
- Add the recipient’s full name and bank details or email, depending on the method
- Add the recipient’s full name and bank details or email, depending on the method
- Select Amount and Currency
- Choose how much to send and the currency (e.g. AUD to USD)
- Review exchange rates and fees upfront
- Pay for Your Transfer
- Choose from options like bank debit, credit card, apple/google pay or bank transfer (depending on what's available from the provider)
- Get confirmation and a tracking link if available
- Notify your recipient if needed
You can send money from Australia to the United States using your bank, a specialist money transfer service, an e-wallet, or by visiting a physical money remittance store. Each option has different pros and cons, so the best for you will depend on your specific transfer and personal requirements.
FAQs: sending money to the United States
The details you'll need to send money internationally from Australia to the United States may vary by provider, and based on the value of the transfer. At a minimum, whenever you make an international bank transfer you will typically be asked for:
[required-transfer-details-list]
You can't send money to the United States from Australia for free. International transfers cost providers money to arrange, so there's always a fee somewhere to make sure that the business covers its costs and generates profit. However, many providers choose to make the fees you pay trickier to spot by adding them into the exchange rates used for transfers.
There is no official best time to send money from Australia to the United States and that depends on a variety of factors such as when you need to send money or when you want the funds to be received. It’s also going to depend on a variety of other factors such as, the time when you send money or the fees you are offered by providers or banks.
When you’re sending a high value payment it’s especially important to do your research and find a provider which is safe and which offers low fees and great exchange rates. It’s also well worth comparing some providers based on transfer times, as the delivery time can also vary pretty widely.
Some international money transfer services offer discounts for high value transfers, either through lower fees or a better exchange rate. Use the Exiap cost comparison calculator to make sure you’re getting the very best deal available for your specific transfer.







