Find the best AUD to USD exchange rate

Get today’s best Australian to US dollar exchange rates before you send money overseas.

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Live Rate

= US$ 0.7261

Refreshing in: 60s | Sun, Sep 26, 04:11PM GMT

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AUD/USD: Historical exchange rates

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Updated: 26 Sep 2021 16:11:51 UTC

Today's best AUD to USD exchange rates

Use the currency transfer calculator below to compare exchange rates and fees for sending AUD to the United States.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 250 1 - 2 days AUD 0.00 0.723 USD
7,232
$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
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AUD 1 1 - 2 days AUD 45.00 0.723 USD
7,199
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies. Go to site Show details
AUD 2,000 1 day AUD 0.00 0.724 USD
7,236
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.723 USD
7,231
Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.
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AUD 1 1 day AUD 52.00 0.723 USD
7,188
Pay no fees on your first two transfers, up to $3,000.
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
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AUD 5 1 - 2 days EUR 3.00 0.723 USD
7,231
Special offer: Zero fees on your first 10 transfers.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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AUD 1 Same day AUD 0.00 0.723 USD
7,225
XE has fast transfers with low fees and a range of foreign currency tools. Go to site Show details
AUD 1 Same day AUD 3.99 0.717 USD
7,171
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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AUD 200 1 - 2 days AUD 50.00 0.725 USD
7,215
Exclusive: New customers sending over 500 AUD from Australia use code FINDER50 to get 50 AUD off. Pay zero fees on your first transaction. Valid till 31 December 2021. T&Cs apply.
Instarem offers simple transfers with a flat 0.5% transfer fee for most transfers.
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Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

How to send money to the USA online

Sign up and send money with a digital money transfer specialist in four steps:

  1. Sign up for a free account. Pick a provider and sign up for a free online account using your contact information, proof of ID and your preferred payment method.
  2. Provide transfer details. Submit your recipient's contact information and pick a delivery method. If you're transferring to a bank, you'll need your recipient's US-based bank account details.
  3. Confirm transfer details. Double-check your payment method, expected fees and destination.
  4. Save your receipt. Record your receipt's confirmation number to track the progress of your transfer to the US. Some money transfer providers send a text or email when your transfer is complete.

What's the best way to send money to the United States?

Online money transfer providers typically offer the strongest exchange rates and lowest fees on money transfers to the US. Some offer transfers straight to US bank accounts, while others allow the money to be picked up in US dollars in person. Banks, PayPal and other options are available but come with high fees, weak rates and longer turnaround times.

Blue icon representing money transfers Image: Infogram

Digital money transfer services

Companies like OFX and TorFX specialise in foreign currencies, making them some of the most cost-effective transfers. Most offer transfers directly to your recipient's US-based bank account, often in as little as a day or two.

Picture not described: BlueCoinsCashIcon_Infogram_94x62.png Image: Infogram

Cash transfers

Services like MoneyGram allow you to transfer cash for pickup at a local branch in the US — often in 15 minutes. While it's a fast way to send money, you'll pay for the convenience in weak exchange rates and high fees. If a cash pickup is necessary, compare MoneyGram to digital services like WorldRemit when possible.

Picture not described: BlueBankIcon_Infogram_62x56.png Image: Infogram

Banks

US dollars are almost certainly carried by your bank. Although your local bank can convert your currency into US dollars, beware of high fees and wide margins on the exchange rate compared to digital and other options.

Let's crunch the numbers: Sending $2,000 to the US

Let's say you need to send $2,000 from Australia to the US. Here's what you might face as far as fees and exchange rates as of April 1, 2020.

Digital money transfer serviceCash transferBank transfer
Fee$3.99$30$24 + additional correspondent bank fees
Exchange rate1 AUD = 0.60 USD1 AUD = 0.58 USD1 AUD = 0.57 USD
Transfer speed1-3 daysMinutes2-4 days
Amount receivedUS$1,200US$1,160US$1,140
Verdict
  • Best value
  • Fastest
  • Slowest and most expensive

The bank option ends up being both the slowest and gets the smallest amount of money to your recipient, while the digital money transfer service is the best value. If you go with the cash transfer service, your recipient ends up with US$20 more than the bank offers and it arrives within minutes.

Today's exchange rate AUD to USD

How to get the most out of your money transfer to the USA

Weigh costs and fees against convenience, and learn how to compare money transfer providers that send to the US to meet your needs:

  • Exchange rates. The USD relationship with other currencies fluctuates daily, so using a service that allows you to lock-in exchange prices may help you save money down the line if exchange rates take a turn for the worse in the future.
  • Transfer fees. Transferring money overseas nearly always requires fees, but they might be hidden in the exchange rate. When sending large amounts, it may be cheaper to pay a flat fee to secure a stronger exchange rate.
  • Transfer limits. How much you can send varies by company, and different amounts can attract higher or lower fees. Shop around for the best deal on the number of US dollars you're sending.
  • Turnaround. Transferring money through a local bank can take a business week or longer. If you need the funds delivered quickly, seek out a digital specialist that offers instant transfers to the United States.
  • Maximum limits. When exchange rates are favorable, sending more money can save you money in the future. If you plan to send large amounts of money to the US, be sure to pick a provider that won't limit you.
  • Transfer methods. Whether you want money sent to a US-based bank account or picked up as cash at a local agent, narrow down a company that matches your preferred delivery method.

Emergency cash transfer to the US

When it's more important to get your money to the US quickly, look for money transfer companies that support cash pickup in minutes. You can pay with a credit or debit card for fast pickup, but fees are higher than other methods.

How to send money to the USA without a bank account

Cash transfer services can help you if you're unbanked or marginally banked. If you don't have a bank account, look for a local company that supports storefronts for cash payments. These services include agent locations in other countries that allow your recipient to pick up cash without a bank account.

Documents needed for sending to and receiving money in the US

To send money to the US from abroad, you'll need government-issued ID and other documents, while documents needed to pick up money in the US may be different by company.

Documents to send money to the US

To send money from the abroad to the US, you'll need documentation and details that include:

  • Identification. Most services require a driver's license, passport or other government-issued ID. Some services allow you to send transfers without ID.
  • Payment method. Your service may accept credit or debit cards, cash, bank accounts or personal checks.
  • Recipient information. Submit your recipient's name as it appears on their ID, along with their phone number, US bank account and routing number if sending to their bank.

Documents to receive money in the US

To pick up money in person, documentation can include:

  • Transfer number. The person sending you money can forward the transfer's confirmation details — called a PIN, a MTCN, a reference number or a tracking number, depending on the company.
  • Government-issued ID. A US government-issued ID is almost always required to pick up cash, but you may be able to set a passphrase if your recipient doesn't have any valid ID.
  • Amount sent. You may need to know how much was sent, usually within 10% of the total.
  • Sender's information. Take along your sender's full name, the sending country and their address, if known.

What to watch out for

Most money transfers to the United States may be subject to taxes, depending on their amount and place of origin. Unfortunately there are a lot of variables in play, but typically it is always better to report large money transfers to the IRS on your tax forms.

There are a variety of reasons you may be sending money to the US, including repatriating funds you earned abroad. Being extra vigilant about the reasons you're sending money to the US can save you large fees and possible jail time in the future by paying the appropriate taxes now.

Learn more about using the United States dollar in the USA

Bottom line

Sending your hard-earned money to the US shouldn't cost a fortune. Compare transfer companies that specialise in foreign for the strongest rates, lowest fees and flexible delivery.

More guides on Finder

International Money Transfer Offers

Important Information*
Logo for Azimo International Money Transfers
Azimo International Money Transfers

Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.

Logo for MasterRemit International Money Transfers
MasterRemit International Money Transfers

New customers get their first transaction for free with code FIRSTFREE. T&Cs apply.
Send money in minutes at competitive exchange rates with this Australian money transfer service.

Logo for OFX (Ozforex) International Money Transfers
OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.

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