Send money from the US to Australia
Relocating to Australia, buying property or supporting family can involve a significant USD to AUD transfer. Currencyflow lets you see your exchange rate upfront, with transparent pricing and personal support when you want it.
- See your USD to AUD 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 the US to Australia? Here's what to know
If you're moving to Australia, buying property or sending a larger family payment, you may need a specific AUD amount by a particular date. Changes in USD to AUD can affect how many US dollars you'll need to convert to meet that amount.
Thinking about the exchange separately from the payment deadline gives you more clarity over the transfer. Currencyflow shows you the exchange rate available upfront before you decide whether to proceed.
Why people send money from the USA to Australia
Between two closely linked economies, this route carries relocation, family, property, and business transfers.
Relocating to Australia
Family support and study costs
Property in Australia
Business and supplier payments
Why send money to Australia 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 |
Swipe to see more →
Currencyflow indicative USD to AUD rate
1 USD = 1.4177 AUD
As of , the Currencyflow indicative USD to AUD rate is 1 USD = 1.4177 AUD, based on a $70,000 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 USD to AUD quote →Currencyflow USD to AUD rates by transfer amount
Currencyflow exchange rates vary according to the amount you send.
| You send (USD) | You receive (AUD) | Currencyflow rate | Margin | Payment transfer fee |
|---|---|---|---|---|
| $10,000 | A$14,162 | 1 USD = 1.4162 AUD | 0.40% | None |
| $20,000 | A$28,325 | 1 USD = 1.4162 AUD | 0.40% | None |
| $50,000 | A$70,883 | 1 USD = 1.4177 AUD | 0.30% | None |
| $100,000 | A$141,793 | 1 USD = 1.4179 AUD | 0.28% | None |
| $200,000 | A$283,672 | 1 USD = 1.4184 AUD | 0.25% | None |
| $500,000 | A$709,181 | 1 USD = 1.4184 AUD | 0.25% | None |
| $1,000,000 | A$1,418,361 | 1 USD = 1.4184 AUD | 0.25% | None |
| $2,000,000 | A$2,836,722 | 1 USD = 1.4184 AUD | 0.25% | None |
| $5,000,000 | A$7,091,805 | 1 USD = 1.4184 AUD | 0.25% | None |
Currencyflow rates are indicative, updated hourly, and confirmed when you book. No payment transfer fees.
Swipe to see more →
How to transfer money to Australia from the US
See your exchange rate
Open your account
Send your funds
We make your international payment
Planning your USD to AUD transfer
Plan around the Australian-dollar amount
Fix a rate for a future transfer
Set a target rate if your timing is flexible
See USD to AUD rates and history
Sending US dollars to an Australian bank account
If your funds are held with a major US bank such as JPMorgan Chase, Bank of America, Wells Fargo or Citibank, you can send your dollars to Currencyflow using the funding information provided for your transfer.
Once you’ve agreed your USD to AUD exchange rate, you send the US dollars to Currencyflow. We convert them into Australian dollars at the agreed rate and send the AUD to the Australian bank account you’ve provided.
The recipient may hold an account with a major Australian bank such as Commonwealth Bank, Westpac, NAB or ANZ. Australian accounts use a six-digit BSB and account number rather than an IBAN, and a SWIFT/BIC may also be required depending on the payment route.
Check the BSB and account number carefully before the payment is made, particularly for larger transfers.
How long does a transfer from the USA to Australia take?
Most transfers arrive the same working day or the next.
- The time difference. Australia runs well ahead of the US, so a payment funded in your day often reaches the account the following Australian morning.
- When you fund the transfer. Sending your US dollars to us earlier in your day gives the payment the best chance of completing sooner on the Australian side.
- 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 property payment may need source-of-funds evidence, so having it ready avoids a pause.
- Weekends and public 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 USD to AUD 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 Australia?
To send money to an Australian bank account, you'll need:
- Photo ID, either a passport or a driver's license.
- Proof of address, such as a recent utility bill or bank statement.
- The recipient's full name as it appears on their Australian account.
- The recipient's six-digit BSB code, account number, 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 pay stub, a sale statement, or evidence of savings.
For a property-related payment, an overseas buyer may need Foreign Investment Review Board approval, so keep the purchase contract and any approval to hand.
Legal and tax notes for USA to Australia transfers
- On the US side, US gift tax falls on the person giving, if they're a US citizen or resident. For 2026, a giver can give up to $19,000 per recipient in the year with no filing (or $38,000 for a married couple using gift-splitting). Above that, the excess draws on the lifetime gift and estate tax exemption, which is $15 million per person for 2026, and the giver files a gift-tax return (Form 709). In practice no gift tax is due until that lifetime exemption is used up, but the return still has to be filed once a gift tops the annual exclusion.
- This is a donor-side rule, separate from the Form 3520 rule that applies when a US person receives a gift from abroad. Since here the money is going out of the US to Australia, Form 3520 gift reporting doesn't come into it, the relevant US rule is the giver's annual exclusion and lifetime exemption above.
- On the Australian side, Australia has no gift tax and no general inheritance tax, so money arriving for family or your own account isn't taxed as a gift. Australian providers report incoming international transfers to AUSTRAC, but that's a compliance obligation on the business, not a cost or a tax to you.
- For a property purchase, an overseas buyer generally needs Foreign Investment Review Board (FIRB) approval before buying Australian residential property, and the approval threshold is effectively nil, so it applies regardless of price. A temporary ban on foreign persons buying established dwellings has also applied since 1 April 2025 and now runs until 30 June 2029.
- These notes are general information, not tax advice. A large gift from a US person, an emigration move, or a property purchase in Australia are all 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 29 October 2026
