Corridor USD → AUD · US dollar to Australian dollar
What does it cost to send US dollars to Australia?
On 15 October 2026, the most a recipient in Australia got for 1,000 USD was 1,437.78 AUD via Remitly: a true cost of 5.78 USD (0.58%) including fee and rate markup. The last of 9 quotes cost 6.04%.
Transfer cost receipt · USD → AUD
Most to the recipient: Remitly transfer service
- You send
- 1,000.00 USD
- Upfront fee
- 0.00 USD
- Amount converted
- 1,000.00 USD
- Rate given
- 1.4378
- Mid-market when quoted
- 1.4461
- Exchange-rate markup inside the rate
- 5.78 USD 0.58%
- True total cost
- 5.78 USD 0.58%
- Recipient gets
- 1,437.78 AUD
Picking the last quote in this ledger (PayPal) instead would leave the recipient 79.06 AUD short.
Snapshot indicative quotes retrieved 15 Oct 2026, 14:55 UTC. Quote collected 15 Oct 2026, 14:44 UTC. Source: Wise public comparison data.
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Every quote for 1,000 USD → AUD
Sorted by what the recipient gets. “True cost” adds the upfront fee to the money lost in the exchange rate versus the mid-market rate at the time each quote was collected.
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Remitlyservice | 0.00 USD | 0.58% | 5.78 USD | 0.58% | 1,437.78 AUD | best |
| 2. Instaremservice | 0.00 USD | 0.83% | 8.26 USD | 0.83% | 1,434.18 AUD | −3.60 AUD |
| 3. Wiseservice | 9.93 USD | 0.00% | 9.93 USD | 0.99% | 1,430.63 AUD | −7.15 AUD |
| 4. Western Unionservice | 0.99 USD | 2.11% | 22.11 USD | 2.21% | 1,414.15 AUD | −23.63 AUD |
| 5. OFXservice | 5.00 USD | 2.04% | 25.30 USD | 2.53% | 1,409.54 AUD | −28.24 AUD |
| 6. Xoomservice | 0.00 USD | 2.69% | 26.92 USD | 2.69% | 1,407.19 AUD | −30.59 AUD |
| 7. Wells Fargobank 2d old | 0.00 USD | 3.09% | 30.90 USD | 3.09% | 1,401.45 AUD | −36.33 AUD |
| 8. Chase (US)bank 2d old | 5.00 USD | 2.90% | 33.87 USD | 3.39% | 1,397.15 AUD | −40.63 AUD |
| 9. PayPalservice | 4.99 USD | 5.57% | 60.44 USD | 6.04% | 1,358.72 AUD | −79.06 AUD |
Does the cheapest option change with the amount?
| You send | Most to recipient | Best cost | Worst cost | Recipient gets (best) | Gap best vs worst | Quotes |
|---|---|---|---|---|---|---|
| 200 USD | Remitly | 0.58% | 7.93% | 287.56 AUD | 21.27 AUD | 9 |
| 1,000 USD | Remitly | 0.58% | 6.04% | 1,437.78 AUD | 79.06 AUD | 9 |
| 5,000 USD | Wise | 0.42% | 5.67% | 7,194.40 AUD | 373.54 AUD | 9 |
What the USD → AUD numbers show
- The provider that delivers the most changes with the amount: Remitly at 200.00 USD, Remitly at 1,000.00 USD, Wise at 5,000.00 USD. Fixed fees weigh heavily on small transfers; rate margins dominate large ones.
- At 200.00 USD, true cost ranged from 0.58% (Remitly) to 7.93% (PayPal); the recipient would get 21.27 AUD less with the last quote than with the first.
- Banks listed for this corridor averaged 3.24% in true cost at 1,000.00 USD, against 2.27% for non-bank transfer services; on average 93% of the banks' cost sat inside the exchange rate rather than in a stated fee.
- 4 of 9 quotes at 1,000.00 USD charged no upfront fee but priced in a rate markup above 0.5%, so “no fee” did not mean free.
How does the quoted mid-market rate compare with the ECB reference?
The European Central Bank reference rate for USD/AUD on 15 October 2026 was 1.4470. The mid-market rate implied by the top quote at its collection time was 1.4461, a difference of −0.06%. ECB rates are published once per working day around 16:00 CET, so they drift from live market rates during the day; RateRunner uses them only as a cross-check, never to rank providers.
Every quote for 200 USD → AUD
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Remitlyservice | 0.00 USD | 0.58% | 1.16 USD | 0.58% | 287.56 AUD | best |
| 2. Instaremservice | 0.00 USD | 0.83% | 1.65 USD | 0.83% | 286.84 AUD | −0.72 AUD |
| 3. Western Unionservice | 0.99 USD | 2.11% | 5.20 USD | 2.60% | 281.71 AUD | −5.85 AUD |
| 4. Wells Fargobank 2d old | 0.00 USD | 3.09% | 6.18 USD | 3.09% | 280.29 AUD | −7.27 AUD |
| 5. Wiseservice | 7.70 USD | 0.00% | 7.70 USD | 3.85% | 277.87 AUD | −9.69 AUD |
| 6. OFXservice | 5.00 USD | 2.04% | 8.98 USD | 4.49% | 276.24 AUD | −11.32 AUD |
| 7. Chase (US)bank 2d old | 5.00 USD | 2.90% | 10.66 USD | 5.33% | 273.81 AUD | −13.75 AUD |
| 8. Xoomservice | 4.99 USD | 4.80% | 14.35 USD | 7.18% | 268.47 AUD | −19.09 AUD |
| 9. PayPalservice | 4.99 USD | 5.57% | 15.86 USD | 7.93% | 266.29 AUD | −21.27 AUD |
Every quote for 5,000 USD → AUD
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Wiseservice | 21.11 USD | 0.00% | 21.11 USD | 0.42% | 7,194.40 AUD | best |
| 2. Remitlyservice | 0.00 USD | 0.58% | 28.88 USD | 0.58% | 7,188.88 AUD | −5.52 AUD |
| 3. Instaremservice | 0.00 USD | 0.77% | 38.54 USD | 0.77% | 7,174.91 AUD | −19.49 AUD |
| 4. OFXservice | 0.00 USD | 1.10% | 54.76 USD | 1.10% | 7,151.46 AUD | −42.94 AUD |
| 5. Xoomservice | 0.00 USD | 1.35% | 67.50 USD | 1.35% | 7,133.03 AUD | −61.37 AUD |
| 6. Western Unionservice | 0.99 USD | 2.11% | 106.68 USD | 2.13% | 7,076.38 AUD | −118.02 AUD |
| 7. Chase (US)bank 2d old | 0.00 USD | 2.44% | 122.01 USD | 2.44% | 7,054.21 AUD | −140.19 AUD |
| 8. Wells Fargobank 2d old | 0.00 USD | 3.08% | 153.79 USD | 3.08% | 7,008.25 AUD | −186.15 AUD |
| 9. PayPalservice | 4.99 USD | 5.57% | 283.37 USD | 5.67% | 6,820.86 AUD | −373.54 AUD |
Read next
Questions people ask
- Which provider gave the most for 1,000 USD sent to Australia?
- Remitly, with 1,437.78 AUD delivered, in the snapshot retrieved 15 Oct 2026, 14:55 UTC. Its upfront fee was 0.00 USD and its rate markup 0.58%.
- How much of the cost of sending USD to AUD is hidden in the exchange rate?
- For the 9 quotes on 1,000 USD, rate markups ranged from 0.00% to 5.57% of the amount converted. 4 quotes charged no upfront fee but still had a markup above 0.5%.
- How current are these USD to AUD quotes?
- RateRunner retrieved them on 15 Oct 2026, 14:55 UTC. Each provider quote also carries its own collection time, shown in the tables, and quotes older than 24 hours are flagged. They are indicative; the price you are offered at checkout can differ.
Related corridors
Sources
- Indicative provider quotes: Wise public comparison data (retrieved 15 Oct 2026, 14:55 UTC). Wise collects quotes from listed banks and services and is itself listed.
- Reference rate: European Central Bank euro reference rates via Frankfurter (15 October 2026).
- Raw data for this page: usd-to-aud.json