Send money from Australia to the US
Relocating to the US, buying property or covering education or family costs can involve a significant AUD to USD transfer. Currencyflow lets you see your exchange rate upfront, with transparent pricing and personal support.
- See your AUD to USD 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 29 October 2026
Sending money from Australia to the US? Here's what to know
Payments from Australia to the US are often linked to a specific USD cost, such as property, education or relocation expenses. When the recipient needs a fixed dollar amount, movements in AUD to USD can change how many Australian dollars are required.
If the payment is due on a future date, it can help to plan the conversion separately from the payment itself. Currencyflow lets you see the exchange rate available upfront, so you can assess the cost before you book.
Why people send money from Australia to the USA
As two large, closely linked economies, Australia and the US see steady transfers for relocation, family, business, and investment.
Relocating to the US
Family support and study costs
Business and supplier payments
Investment and property
Why send money to the US 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 USD rate
1 AUD = 0.7009 USD
As of , the Currencyflow indicative AUD to USD rate is 1 AUD = 0.7009 USD, 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 USD quote →Currencyflow AUD to USD rates by transfer amount
Currencyflow exchange rates vary according to the amount you send.
| You send (AUD) | You receive (USD) | Currencyflow rate | Margin | Payment transfer fee |
|---|---|---|---|---|
| A$10,000 | $7,002 | 1 AUD = 0.7002 USD | 0.40% | None |
| A$20,000 | $14,004 | 1 AUD = 0.7002 USD | 0.40% | None |
| A$50,000 | $35,044 | 1 AUD = 0.7009 USD | 0.30% | None |
| A$100,000 | $70,103 | 1 AUD = 0.7010 USD | 0.28% | None |
| A$200,000 | $140,248 | 1 AUD = 0.7012 USD | 0.25% | None |
| A$500,000 | $350,619 | 1 AUD = 0.7012 USD | 0.25% | None |
| A$1,000,000 | $701,238 | 1 AUD = 0.7012 USD | 0.25% | None |
| A$2,000,000 | $1,402,476 | 1 AUD = 0.7012 USD | 0.25% | None |
| A$5,000,000 | $3,506,189 | 1 AUD = 0.7012 USD | 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 US from Australia
See your exchange rate
Open your account
Send your funds
We make your international payment
Planning your AUD to USD transfer
Work back from the US dollar amount
Fix a rate for a future transfer
Set a target rate if your timing is flexible
See AUD to USD rates and history
Sending Australian dollars to a US bank account
If your funds are held with an Australian bank such as Commonwealth Bank, Westpac, NAB or ANZ, you can fund your Currencyflow transfer using the banking details provided when you book.
Once you’ve agreed your AUD to USD exchange rate, you send the Australian dollars to Currencyflow. We convert them into US dollars at the agreed rate and send the USD to the American bank account you’ve provided.
US bank accounts do not use IBANs. Recipient details will typically include a nine-digit routing number (also called an ABA number) and an account number, and you may also need to confirm whether the account is checking or savings. A SWIFT/BIC may be required depending on the payment route.
The recipient may hold an account with a major US bank such as JPMorgan Chase, Bank of America, Wells Fargo or Citibank.
How long does a transfer from Australia to the USA take?
Most transfers arrive the same working day or the next.
- The time difference. The US runs well behind Australia, so the exact arrival depends on when in your day the funds are released to the US bank.
- When you fund the transfer. Sending your Australian dollars to us earlier in your day gives the payment the best chance of reaching the US the same working day.
- First-transfer verification. Your first payment can take a little longer while your account is verified, then later transfers are quicker.
- Compliance checks on larger amounts. A big relocation or investment payment may need source-of-funds evidence, so having it ready avoids a pause.
- Weekends and US public holidays. Bank processing pauses over weekends and US public holidays, 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 USD transfers land same or next working day, with the time gap the main thing to plan around.
What do you need to send money to the USA?
To send money to a US 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 US account.
- The recipient's routing (ABA) number, account number and type, and the bank's SWIFT/BIC code.
- The purpose of the transfer, which we'll ask about for larger amounts.
- Source-of-funds evidence for a large transfer, such as a payslip, a sale statement, or evidence of savings.
US banks receive international payments using a routing (ABA) number, an account number, and the bank's SWIFT/BIC code, so make sure your recipient gives you all of them, plus the account type.
Legal and tax notes for Australia to USA transfers
- On the Australian side, Australia has no gift tax and no general inheritance tax, so sending money to family or your own account isn't taxed as a gift at the Australian end. Providers report international transfers to AUSTRAC, but that's a compliance obligation on the business, not a cost or a tax to you.
- On the US side, receiving money isn't taxed as income, and US gift tax falls on the giver, not the recipient. Because you're sending from Australia (a non-US person), a US recipient must report the gift to the IRS on Form 3520 only if the total from you exceeds $100,000 in a tax year, identifying each gift over $5,000 once that threshold is crossed. It's an information return, not a tax, but the penalties for missing it are steep, so a large family gift is worth flagging to your US recipient.
- The $100,000 reporting threshold is a separate rule from the US annual gift tax exclusion of $19,000 per recipient. The annual exclusion is a donor-side rule that only applies to US citizens and residents giving gifts, so it doesn't apply to you sending from Australia. The two rules cover different people, so don't confuse the recipient's $100,000 reporting threshold with the donor's $19,000 exclusion.
- If you're on a means-tested Australian pension, 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, before the excess is treated as a deprived asset in your pension test for five years. Worth checking before a large gift.
- These notes are general information, not tax advice. US reporting rules for foreign gifts are unforgiving on deadlines, so a large gift to a US recipient is exactly the situation where they should take professional advice.
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 29 October 2026
