Send money from Australia to the UK
If you're moving savings back to the UK, transferring property proceeds or supporting family, you can see the AUD to GBP exchange rate available to you upfront and get personal support when you want to talk it through.
- See your AUD to GBP exchange rate instantly
- Transparent 0.25%-0.40% margin, depending on transfer size
- No Currencyflow payment transfer fees
- Personal support, including direct access to our founder
Send, save... & relax.
Transparent pricing, always shown upfront.
Your funds are safeguarded and kept separate from Currencyflow's operational funds. They are held in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951).
By Freddie Smith, Founder & CEO, Currencyflow · Updated 1 October 2026
Sending money from Australia to the UK? Here's what to know
Moving savings, property proceeds or other funds from Australia to the UK can mean converting a substantial AUD balance into sterling. If you know how much GBP you need at the other end, it's useful to consider both the transfer amount and when you want to make the exchange.
Your Currencyflow margin varies with transfer size, while the underlying AUD to GBP market rate can move until the exchange is booked. You can see the exchange rate available to you upfront before deciding when to proceed.
Why people send money from Australia to the UK
This corridor is shaped by people moving their financial lives back to Britain, from a full repatriation to ongoing support and commitments.
Repatriating savings and superannuation
Property proceeds and inheritance
Family support
Ongoing UK commitments
Why send money to the UK with Currencyflow
| Feature | Currencyflow | High Street Banks |
|---|---|---|
| Exchange rate | Fixed, transparent, competitive | Often wider and less transparent |
| Transfer fees | No payment transfer fees | Often charged |
| Speed | Same-day (most cases) | Several days |
| Support | Dedicated account manager | Call centre/branch |
| Rate lock | Forward contracts available | Rarely offered |
| Account setup | Free, no ongoing fees | Sometimes charged |
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Currencyflow indicative AUD to GBP rate
1 AUD = 0.5243 GBP
As of , the Currencyflow indicative AUD to GBP rate is 1 AUD = 0.5243 GBP, based on a A$100,000 transfer with a 0.30% margin.
Your actual exchange rate may vary depending on the amount you send because our margin varies by transfer size. See our rates, margins and fees →
Currencyflow rates are indicative and confirmed when you book. No payment transfer fees.
Get a personalised AUD to GBP quote →Currencyflow AUD to GBP rates by transfer amount
Currencyflow exchange rates vary according to the amount you send.
| You send (AUD) | You receive (GBP) | Currencyflow rate | Margin | Payment transfer fee |
|---|---|---|---|---|
| A$10,000 | £5,238 | 1 AUD = 0.5238 GBP | 0.40% | None |
| A$20,000 | £10,476 | 1 AUD = 0.5238 GBP | 0.40% | None |
| A$50,000 | £26,217 | 1 AUD = 0.5243 GBP | 0.30% | None |
| A$100,000 | £52,445 | 1 AUD = 0.5244 GBP | 0.28% | None |
| A$200,000 | £104,921 | 1 AUD = 0.5246 GBP | 0.25% | None |
| A$500,000 | £262,303 | 1 AUD = 0.5246 GBP | 0.25% | None |
| A$1,000,000 | £524,606 | 1 AUD = 0.5246 GBP | 0.25% | None |
| A$2,000,000 | £1,049,212 | 1 AUD = 0.5246 GBP | 0.25% | None |
| A$5,000,000 | £2,623,030 | 1 AUD = 0.5246 GBP | 0.25% | None |
Currencyflow rates are indicative, updated hourly, and confirmed when you book. No payment transfer fees.
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How to transfer money to the UK from Australia
See your exchange rate
Open your account
Send your funds
We make your international payment
Planning your AUD to GBP transfer
Think about the sterling amount you need
Fix a rate for a future transfer
Set a target rate if your timing is flexible
See AUD to GBP rates and history
Sending AUD from an Australian bank to the UK
If your funds are held with an Australian bank such as Commonwealth Bank, Westpac, NAB or ANZ, you can send the Australian dollars to Currencyflow using the funding details supplied for your transfer.
Once you’ve agreed your AUD to GBP exchange rate, you send the AUD to Currencyflow. We convert the Australian dollars into British pounds at the agreed rate and send the GBP to the UK bank account you’ve provided.
Australian accounts are normally identified using a BSB and account number, while UK recipients typically use a sort code and account number. GBP payments may then be delivered through Faster Payments, depending on the payment route.
Customers commonly use this corridor for relocation, repatriating savings, inheritance proceeds or moving investment funds between Australia and the UK.
How long does a transfer from Australia to the UK take?
Most transfers arrive the same working day or the next once your funds have cleared.
- The time difference. Australia runs hours ahead of the UK, so a transfer funded late in your day often completes the following UK morning
- When you fund the transfer. Sending your Australian dollars to us earlier in your day gives the transfer the best chance of completing sooner on the UK side
- First-transfer verification. Your first payment can take a little longer while your account is verified. After that it's quicker
- Compliance checks on larger amounts. A big incoming sum may need source-of-funds evidence, so having it ready avoids a pause on the transfer
- The UK leg. Once we release the pounds, Faster Payments delivers them to the UK account almost immediately, so the receiving end is rarely the delay
- Weekends and holidays. Bank processing pauses over weekends and public holidays in either country, which can add a day around those dates
A bank on this route typically takes two to four working days. With us, most AUD to GBP transfers land same or next working day, with the time zone gap the main thing to plan around.
What do you need to send money to the UK?
To send money to a UK bank account, you'll need:
- Photo ID, either a passport or a driving licence
- Proof of address, such as a recent utility bill or bank statement
- The recipient's full name as it appears on their UK account
- The recipient's UK sort code and account number
- The purpose of the transfer, which we'll ask about for larger amounts
- Source-of-funds evidence for a large transfer, for example an Australian property settlement statement or evidence of savings
On the Australian side, the provider handling your international transfer reports it to AUSTRAC. That's an obligation on the business, not a form for you to complete, and it doesn't hold up the payment.
Legal and tax notes for Australia to UK transfers
- On the UK side, there's no tax simply on receiving money from abroad. The UK has no gift tax on the recipient, and money you transfer to your own UK account isn't income, so bringing your Australian savings home isn't a taxable event in itself. Where tax can arise is on what the money represents, not the transfer, for instance capital gains on an asset you sold, or income that was already taxable. If you've become UK tax resident, take advice on how any gains or foreign income are treated here.
- There's one inheritance-tax point worth flagging. If someone who is UK-domiciled makes you a large lifetime gift, it can fall under the seven-year rule: amounts over the £3,000 annual exemption are potentially exempt transfers and only fully escape inheritance tax if the giver survives seven years. That's about the giver's estate, not a charge on you receiving the funds.
- On the Australian side, Australia has no gift tax and no general inheritance tax, so gifting money out isn't taxed at the point of sending. Providers must report international transfers to AUSTRAC, but that's a compliance obligation on the business, not a cost or a tax to you.
- One thing to check if you're on a means-tested Australian pension or benefit. Centrelink's gifting rules let you give away up to AUD 10,000 in a financial year, or AUD 30,000 over five financial years, and stay within the gifting free area. The harsher of the two limits applies, and the thresholds are the same for singles and couples (a couple's combined limit doesn't double). Anything above them is treated as a deprived asset and still counted in your pension assets and income test for five years. So if you receive the Age Pension and you're sending a larger sum to family in the UK, it's worth checking how the gift affects your entitlement before you send.
- These notes are general information, not tax advice. Repatriating a large balance, moving property proceeds, or dealing with an estate across both countries are exactly the situations where it's worth taking professional advice on your own circumstances.
Why trust Currencyflow
Your funds are safeguarded
Client funds are held in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951), separate from Currencyflow's operational funds.
Personal support when you want it
Speak with us by phone, WhatsApp or email, including direct access to our founder, Freddie, when you want to talk through your transfer.
Secure account and payment processes
Currencyflow uses security measures including two-factor authentication and transaction monitoring to help protect accounts and payments.
Frequently asked questions
Written by
Freddie SmithFounder & CEO, Currencyflow
Freddie Smith is the Founder and CEO of Currencyflow, an international foreign exchange and payments specialist focused on high-value transfers for individuals and businesses worldwide. With over 12 years of commercial experience across financial services and digital media, including several years working with financial services comparison platforms, Freddie has spent his career at the intersection of partnerships, growth strategy, and money movement. He founded Currencyflow to bring transparent, fixed-margin pricing and personal relationship management to clients making significant international transfers.
Last updated 1 October 2026
