We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Looking for the best way to send money from Australia to family, friends or businesses in Angola (or even to your own bank account)? Don't head straight to your Australian bank - turn to online money transfer services instead. They nearly always offer better exchange rates and lower fees - which means for the same amount of dollars you send, the recipient will receive more kwanzas.
Compare ways of sending money to Angola
Use our table below to compare services that send money from the Commonwealth of Australia to Angola. Compare the money transfer providers' fees and speeds, then click "Go to site" when you've found the best one to send your Australian Dollars to Angola.
Here's our simple process for sending a money transfer to Angola as a cash pickup or bank transfer - the two options are similar:
Compare your options. Use our table above to find a money transfer provider that sends AUD to Angola. One may be better for cash pickups while another might be better suited to a bank transfer. Once you've found the best one for your requirements, click Go to site.
Register for an account. You'll need to give your name, address, contact details, proof of ID and method of payment.
Provide recipient details. Enter your recipient's name and contact information. If you're sending straight to their Angolan bank account, you'll need the account number, SWIFT or IBAN plus their bank branch's address.
Enter the transfer amount. Check you're happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Many services give the amount of Kwanza your recipient should receive, so double check this.
Complete your transfer. Send your money transfer to Angola. Keep any reference number safe so you can track your transfer - your recipient may need it too.
If you send to an Angolan bank account, your recipient just needs to wait for the funds to arrive. For a cash pick up, your Angolan recipient will need to show some form of photo ID in order to pick up the funds. It's also important that you give them the transaction reference number to streamline the process.
Ways to send and receive money
How to decide which option is best for you to send money to Angola.
Bank deposit. Most major banks in the Commonwealth of Australia let you wire money to banks in Angola. However, you might get weaker exchange rates and pay higher fees all for the privilege of a slower transfer.
Online money transfer services. Online companies like make international money transfers to Angola easy with bank transfers or cell phone top ups often offered as easy delivery options.
Transfer agents across the Commonwealth of Australia. Many transfer providers have locations dotted all across the Commonwealth of Australia, making it easy for you to send money that can be easily picked up in similar agent locations in Angola.
Cheques and money orders. If speed is not an issue, you can always pick up an international cheque from your bank or Australia Post to send to Angola.
Cash pick-up. you to collect cash, even if you don't have a bank account in Angola.
Bank deposit. If you have an Angolan bank account, you can have money transferred directly into this without having to make any trips to a money transfer agent location.
PayPal. The Xoom app allows you to receive money from Australia onto your cell phone, into your Angolan bank account, or as a cash pick-up.
Cheques and money orders. Both personal cheques and money orders can be sent directly to you where you live but these tend to be the slower options.
What documents do I need to transfer money to Angola?
To send money from Australia to Angola, you'll need the following:
1. Photo identification
Most providers require a driver's license, passport or other Australian government-issued ID. You can send transfers without the above but may need to give alternate ID instead.
2. Payment method
Your options depend on the provider's services. Popular methods include cash, debit or credit card payments, bank account transfers and personal cheques.
3. Recipient information
You'll need their name (matching their ID) plus contact details. If sending to an Angolan bank account, you'll need the a/c number, SWIFT and branch details.
What documents do I need to receive money in Angola?
To collect money in person in Angola, the recipient will need:
1. Transfer number
The reference number - sometimes called a PIN, MTCN or tracking number.
2. Government-issued ID
An official ID, such as an Angolan passport or driving license.
3. The transfer amount
To know how much has been sent, usually to within 10% of the total.
4. Sender information
The sender's name and address and the country from where the money was sent.
How much does it cost to send money to Angola from the Commonwealth of Australia?
The cost of sending money to Angola from Australia depends on the exchange rate between AUD to AOA, the fees, how you want your recipient to receive your transfer and the turnaround time:
The mid-market rate is the rate banks and transfer services use to trade between one another. It is the best rate that you can get. But not all money transfer providers offer you this mid-market rat so compare the exchange rate you're offered to the mid-market rate and look for the smallest difference.
Transfer fees. Are you being charged a flat fee or a percentage of your transfer amount? For example, a provider offering to transfer your money to Angola for a flat or low fee might work out better if you plan to send a large amount.
Transfer speed. If you need your transfer to arrive quickly, you can pay for a quick delivery. Companies such as offer instant cash pickups but may charge more. If you're not in a rush, online money transfer services can offer the best value, usually getting your money to Angola faster and cheaper than banks.
Transfer limits. Find out how much you can send with each service. For example, one provider may have a send limit of $10,000 while another may allow you to transfer up to $1 million. For smaller transfers, check the fees. For large transfers, look harder at the exchange rate. Some providers encourage large transfers with low fees.
Transfer type. Does your recipient have an Angolan bank account or is cash or cell phone top up the better option? Each transfer type will have different fees. For example, instant cash pickups tend to be more expensive than bank transfers.
Discounts. Some providers may offer you a free transfer simply for signing up while others may offer you a discount if you transfer more than a certain amount.
Frequently asked questions
How much money you can send to Angola will depend on the provider you choose as each will have its own sending limits. Some may only offer small amount transfers of say, $1,000 or under, while other providers may allow you to send $10,000 or more.
If you need to send a large transfer, look for a provider that has higher or no sending limits to Angola.
When you send money to an Angolan recipient, the first $15,000 for each recipient is exempt from ATO taxes under the Gift Tax policy. If you would like to send $15,000 to multiple recipients, you still won't have to pay any gift taxes.
If you do send more than $15,000, you'll need to file an IRS Form 709 to disclose the gift. On top of the $15,000 annual exclusion, you get an $11.7 million lifetime exclusion in 2021. Should you be fortunate enough to have remitted over $11.7 million, you may then be liable for gift taxes at a rate anywhere from 17% to 40%.
The turnaround time for a money transfer to Angola will depend on the provider and how you pay for the transfer. Expect your transfer to arrive within minutes if you pay cash, or with a debit or credit card. Meanwhile, paying by bank transfer can take longer - usually between 2-5 days.
Make sure the provider you choose is overseen by a government regulator. Most money transfer providers allow you to track your transfer, so you can monitor your cash when it's on the move.
Yes, you can send a money transfer if neither you or your Angolan recipient has a bank account. Look at cash transfers providers where you can pay in cash and where your recipient can collect in cash or as a cell phone reload instead.
Helen Champion is an associate editor at Finder. She has worked in communications for over 16 years and currently writes on a range of topics including insurance and money transfers in the hope of empowering people to make better financial decisions. During her broadcast career, she helped to produce hundreds of news and breaking news reports for Associated Press TV and ITV News. And in public relations, she managed several high-profile public relations campaigns for Macmillan Cancer Support, the General Medical Council and overseas for Qatar Foundation on behalf of BLJ Worldwide. Helen has a Bachelor of Arts in Journalism from the University of Lincoln, a passion for practising karate in the dojo and a deep love of making mischief with her sons.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.