How we access bank & PayPal exchange rates

At Finder, our goal is to provide you with as full a comparison as possible across all the products we list on our website.

In the case of Money Transfers, wherever possible, the exchange rates we display on our website come directly from the service provider.

In the case of Westpac, Commonwealth Bank, ANZ and PayPal, the exchange rates are gathered instead from the banks’ websites.

We use the live exchange rates provided by Westpac, Commonwealth Bank, ANZ and PayPal on their websites to calculate the margin they charge on the top of the exchange rate. (See our guide to mid-market currency rates for an explanation of international money transfer exchange rate margins). The transfer margin is calculated using the difference between the exchange rates listed on their websites, which are updated daily around 9am every morning, and the live interbank exchange rate at the time of calculation.

Our aim is to give you the clearest picture possible of how much money your recipient will receive from your transfer. Due to the volatile nature of exchange rates, the rate listed on Finder may vary from the actual exchange rate quoted for your transfers from these providers. To see how their money transfer services stack up, visit our reviews of Westpac, CommBank, ANZ and PayPal or compare their exchange rates against other providers' rates below.

Rates last updated October 18th, 2018
Name Product Min. Transfer Amount Transfer Speed Services Description Online Transfer Fee Rate Amount Received
TorFX International Money Transfers
AUD 200
1 day
Online, Phone, Agent
TorFX guarantees to match any competitor's exchange rate for a transaction. Conditions apply.
Send money overseas in 45 currencies. Once registered, you'll be assigned an Account Manager who can provide support and guidance.

OFX (Ozforex) International Money Transfers
AUD 250
1 day
Online, Phone, Agent
$0 transfer fees for Finder customers.
Transfer any amount from $250 upwards. $0 transfer fee on transfers over AU$10,000, $15 flat fee applies otherwise. 24-hour customer service available with a local support team.
WorldFirst International Money Transfers
AUD 2,000
1 day
Online, Phone, Bank Account to Bank Account
Great rates and $0 transfer fees for Finder customers. Access live rates, currency converter and market updates via the WorldFirst Money Transfer mobile app.
FC Exchange International Money Transfers
AUD 3,000
1 day
Online, Phone, Bank Account to Bank Account
FC Exchange will match any competitor's exchange rates. Conditions apply.
No transfer fee when transferring more than £10,000 or equivalent. Send money in over 130 currencies. No maximum transfer amount.
XE International Money Transfers
USD 0
1 day
Online, Bank Account to Bank Account
With global payments provider XE, enjoy fast and secure transfers and a range of foreign currency tools and calculators while benefiting from $0 transfer fees.
FlashFX International Money Transfers
AUD 200
1 day
Online, Bank Account to Bank Account
Low minimum transfer amount of just AU$200, with no set-up fees or transfer fees.
HiFX International Money Transfers
AUD 50
2 days
Online, Phone, Agent
Transfer amounts as low as $50. No maximum transfer amount. No transfer fees if you transfer more than AU$10,000.
BFX Australia International Money Transfers
AUD 250
2 days
Online, Phone, Agent, Bank Account to Bank Account, International Money Order
Pay $0 fee when you transfer more than $5000, regardless of whether you transfer online, over the phone or in branch.
Commonwealth Bank International Money Transfers
AUD 0
3 - 5 days
Online, Phone, Bank Account to Bank Account
Send money overseas using NetBank or the CommBank app. Rate last updated on 17/08/2018 at 1:30 pm. Find out how we calculate this exchange rate.
The ‘Rate’ and ‘Amount Received’ displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

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International Money Transfer Offers

Important Information*
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate for a transaction. Conditions apply.
Send money overseas in 45 currencies. Once registered, you'll be assigned an Account Manager who can provide support and guidance.

OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers. Transfer any amount from $250 upwards. $0 transfer fee on transfers over AU$10,000, $15 flat fee applies otherwise. 24-hour customer service available with a local support team.

WorldFirst International Money Transfers

Great rates and $0 transfer fees for Finder customers. Access live rates, currency converter and market updates via the WorldFirst Money Transfer mobile app.

FC Exchange International Money Transfers

FC Exchange will match any competitor's exchange rates. Conditions apply. No transfer fee when transferring more than £10,000 or equivalent. Send money in over 130 currencies. No maximum transfer amount.

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