USD Exchange Rates

Need to transfer your funds into US greenback? Check out the USD exchange rates for international money transfers. Plug in your transfer amount and our tool compares and ranks providers in our database on the best rate for you.

I want to transfer
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Today’s foreign exchange rates
Search promoted international money transfers below. Advertiser disclosure.
  • Excellent exchange rates, no transfer fees
  • 24/7 transfers online or over the phone
  • Personal account management and expert insights

$7,546 USD

Go to site

IN PERSON

n/a

BY PHONE

$0

ONLINE

$0

$0.7546 USD

1-2 days

$200 minimum

Details

  • Same-day transfers to most countries
  • ASIC regulated & trading since 2004
  • WorldFirst will BEAT any eligible quote from another provider.

$7,524 USD

Go to site

IN PERSON

n/a

BY PHONE

$0

ONLINE

$0

$0.7524 USD

0-2 days

$2,000 minimum

Details

  • Safe, secure, and trusted
  • Enjoy great rates, fee-free transfers, and lightning-fast payments right around the clock.
  • It’s simple, quick, and a lot cheaper than your bank.

$7,550 USD

Go to site

IN PERSON

n/a

BY PHONE

$0

ONLINE

$0

$0.7550 USD

0-1 day

$250 minimum

Details

  • Fee Free transfers over $250 AUD ongoing
  • 24/7 Service (Phone & Online)
  • Great Rates with Fast and Secure transfers

$7,525 USD

Go to site

IN PERSON

n/a

BY PHONE

$0

ONLINE

$0

$0.7525 USD

1-2 days

$250 minimum
$500 monthly minimum for regular transfers

Details

  • XE is the world's trusted currency authority used by 280+ million people a year
  • XE dealers are licensed and authorised to provide financial advice
  • XE money transfer specialise in payments above AUD $20,000

$7,569 USD

Go to site

IN PERSON

n/a

BY PHONE

$0

ONLINE

$0

$0.7569 USD

1-3 days

$10,000 minimum

Details

  • Bonus $50 credit on your first transaction with InstaReM. Use MOZO50 (Ends 30th June)
  • Fast settlement and extremely competitive rates with no transaction or commission fees
  • Transact online 24/7

$7,531 USD

Go to site

IN PERSON

n/a

BY PHONE

$0

ONLINE

$0

$0.7531 USD

1-2 days

$50 minimum

Details

  • New customers get 5 free transfers
  • Fast, secure transfers, up to 8x cheaper than the banks
  • Join over 180,00 customers today

$7,526 USD

Go to site

IN PERSON

n/a

BY PHONE

$4

ONLINE

$4

$0.7529 USD

1-2 days

none

Details

  • Get live exchange rate and low transparent fees
  • Enjoy First Two transfers up to $3,000 AUD Free
  • Fast, secure online transfers 24/7

$7,515 USD

Go to site

IN PERSON

n/a

BY PHONE

n/a

ONLINE

$0

$0.7515 USD

1-2 days

none

Details

  • 90% of transfers settled on the same day. Remainder completed on the following day.
  • Reviewed as “Excellent” on Trustpilot.
  • First Payment is FREE

$7,491 USD

Go to site

IN PERSON

n/a

BY PHONE

n/a

ONLINE

$0

$0.7491 USD

0-1 days

No minimum

Details

  • Transact in over 50 currencies from across the globe
  • No transaction fees or commissions above $10,000 AUD
  • Transact 24x7

$7,569 USD

Go to site

IN PERSON

n/a

BY PHONE

$0

ONLINE

$0

$0.7569 USD

1-2 days

none

Details

  • Send money overseas securely
  • Transfer in a foreign currency for lower fees and lock in your conversion rate for peace of mind
  • Send money to over 99 countries in a wide range of currencies.

$7,388 USD

IN PERSON

n/a

BY PHONE

$32

ONLINE

$12

$0.7397 USD

1-2 days

$25,000 maximum

Details

  • CBA customers - Send money easily and safely to over 200 countries
  • Send money in branch or via netbank

$7,154 USD

IN PERSON

$30

BY PHONE

n/a

ONLINE

$6

$0.7158 USD

1-3 days

up to $50,000 online

Details

  • NAB customers - transfer money overseas with NAB internet banking
  • Transfer money to over 100 countries

$7,251 USD

IN PERSON

$30

BY PHONE

n/a

ONLINE

$10

$0.7258 USD

1-3 days

subject to daily withdrawal limit

Details

  • Convert major foreign currencies to and from Australian dollars
  • Available to Westpac customers only

$7,320 USD

IN PERSON

$32

BY PHONE

n/a

ONLINE

$10

$0.7327 USD

1-2 days

subject to daily withdrawal limit

Details

  • Fast Transfers
  • Bank beating exchange rates
  • No transaction fees

$7,550 USD

IN PERSON

n/a

BY PHONE

$0

ONLINE

$0

$0.7550 USD

1 business day

Details

^See information about the Mozo Experts Choice International money transfers Awards

*The exchange rates offered by each provider are indicative exchange rates that have either been supplied by each provider or gathered by Mozo. Exchange rates fluctuate constantly and as a consequence the exchange rates listed here may vary to the actual exchange rate you are quoted by a provider. Please ensure you confirm the actual exchange rate with the relevant provider prior to conducting any transaction. These exchange rates are updated every hour.

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Your guide to sending money to the US

From comparing banks with foreign exchange specialists to considering fees, rates and limits, below we detail everything you need to know about sending money to America!

Which providers offer international money transfers from AUD to USD?

Transferring money overseas has never been easier. As long as you have a bank account on the receiving end of the transaction to accept it, you’re halfway there. The harder part is settling on the right foreign exchange provider. Should you choose a well-known Australian bank for the trust factor? Or will you use a lesser known Foreign Exchange (FX) specialist to nab a killer exchange rate? Below is a breakdown of the providers that offer international money transfers to the US:

Banks

Choosing a bank to transfer your Aussie dollars into USD has its pros and cons. While it can be comforting to pick a home grown foreign exchange provider you’ve banked with your whole life, exchange rates are generally less competitive and banks are known to apply higher margins. The burden on you is reflected in the form of greater fees and weaker exchange rates. On the plus side, you may prefer dealing with a big bank for the peace of mind or customer service experience. But if finding the best USD exchange rate is your priority, then continue reading to learn about FX specialists...

Foreign exchange specialists

FX specialists may be new kids on the block in the foreign exchange world, but boy do they offer competitive rates when it comes to transferring AUD to USD! These currency transfer experts are known to offer the best USD exchange rates and generally apply lower margins than banks. Keep in mind, many foreign exchange specialists run their services entirely online, so rather than discussing your options with a bank teller, you’ll need to feel comfortable transacting via the web.

Peer-to-peer FX specialists

When comparing FX specialists as a potential customer, you might notice providers offering transfers from AUD to USD using the peer-to-peer method. This foreign exchange type involves customers exchanging currencies directly with each other through an online trading platform or marketplace. The peer-to-peer provider will generate profit by charging you a small fee, however this will generally be much less than what you’d be charged by the banks for the same service. While using peer-to-peer can be cheaper, expect to wait a few hours or days for your currency order to find its US dollar match.

Transferring AUD into USD: step by step

Step 1: Set up an account

Once you’ve found the best USD exchange rate offered by one of the providers from the table on this page, you’ll need to select the “go to site” blue icon and register your details on the IMT provider site of your choice. Unless you choose a bank for your USD transfer, you’ll likely conduct the transaction online or over the phone rather than in person at a branch. Depending on the FX provider you choose, setting up an account can take a few minutes to several days. You’ll need to prove you are who you say you are by providing ID documents such as a passport and driver’s licence. You’ll also need to provide your bank account details so you’re prepared to lock in the best USD exchange rate when you see it!

Step 2: Place your foreign exchange order

Remember, it’s a big deal transferring money to the USA, especially if there are plenty of zeros involved! That’s why placing your foreign exchange USD order should involve:

- You triple checking the beneficiary bank details as most providers cannot retrieve funds if they have been sent to the wrong account.

- Verbally approving the transfer with an FX specialist after you place the order online or via an app (with some providers).

- Your full disclosure of the transfer purpose to comply with money laundering and terrorism laws.

- You electing to pay more for a speedier delivery of the funds.

Step 3: Check the fees charged by the receiving bank

Some US banks and financial services will charge extra for accepting international transfers, so it’s best to check this out before placing your order. Unfortunately as most FX providers will tell you, fees charged by the receiving bank in the US is outside of their control. The same applies if you are transferring money to an institution or person in the United States. Check with them before sending to ensure their bank won’t penalise you in fees or take a percentage of the transfer amount for processing the funds.

When comparing foreign exchange AUD to USD, consider the:

Exchange rates:

Exchange rate discrepancies are well worth looking out for. Just a fraction of difference between two rates can dramatically change your USD outcome, especially when it involves large sums of money. For instance, at the time of writing, a $10,000 IMT transfer from AUD to USD using FX specialist TorFX will give you $7,216. By comparison, one big bank we looked at would only offer you $6,820 USD, which is $396 USD less due to the lower exchange rate.

Fees:

Just like exchange rates, fees between IMT providers are varied too. Some depend on how much you’re exchanging, and whether the currency is difficult to obtain (such as “exotic” currencies). Lucky for you, USD is a popular currency and costs are generally minimal. It’s still best to compare especially for smaller transfers so the fee you pay is worth the amount you’re sending.

Transfer times:

Foreign exchange transfer times are a little different to your everyday online bank transfer, as they generally only operate when the FX market is open. This means no transfers on weekends or, if using a provider based overseas, transacting in a different time zone.

Customer service:

Some people prefer visiting a branch and dealing with customer service reps for foreign exchange transactions rather than clicking away behind a screen. If this sounds like you, choose a provider with physical offices or customer service lines. Some will even assign you an account manager to help with each transfer, who can give you general advice on things like exchange rates and market conditions.

Transfer features:

- Forward contract: If you’re buying property or shares in the United States and see a competitive exchange rate, some IMT providers allow you to lock the rate in to transfer later. This is called a “forward contract”. Many IMT specialists offer a variety of contract features like this, so be sure to check them out on their sites for further details.

- Express transfers: Need your money to arrive in a US bank account sooner than two or three days? Some IMT providers have express transfer services for an additional cost.

- Split currencies: For more complex transfers like exchanging and transferring multiple currencies to the US, consider the advice of an account manager via an IMT specialist provider offering this service.

Best practice tips for transferring money to the USA

- Keep an eye on exchange rates: Exchange rates really matter when you’re looking to transfer a lot of money. Be ready to pounce and you’ll be better off financially.

- Bundle up transfers to minimise fees: Multiple foreign exchange transfers can add up in transaction fees. As well as watching rates, bundle up your transfers and transfer less often for better USD results.

- Ensure your money is safe: Beware of exchange rates that look too good to be true on the web, as it could be a scam. Instead ensure you're transferring with a provider that is licensed and regulated through ASIC. Here at Mozo, we only compare licensed IMT foreign exchange providers, so scroll to the top of the page to kick off your comparison.