Best Money Transfer Services

Based on 9,488 reviews
Danesh Exchange

Danesh Exchange 🏆 2026

5.0  Summary
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Jess Kennedy VIC 4 posts
 

Very fast and secure delivery through the post office. I ordered Indian rupees which I couldn’t get at the bank. Very satisfied.

OrbitRemit

OrbitRemit 🏆 2026

4.8  Summary
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Douglas Pinto 5 posts
 

I have been using this service for a few years now. The improvements are stunning. My lastest transfer was paid to recipient account within minutes of completing PayId with my bank.

Instarem

Instarem

4.1  Summary
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darayus NSW 31 posts
 

I was one of Instarem’s earliest users, utilizing their platform heavily for my business transactions—averaging around $100k a month. Early on, I… Read more

even built a good rapport with their CEO, who visited my office personally.

Unfortunately, a recent experience forced me to cut ties completely.

I remitted a routine SGD payment to a supplier and, assuming all was well, didn’t immediately follow up. A month later, my supplier alerted me that they hadn't received the funds. When I reached out to Instarem for a tracer, I was shocked to find out the transaction had never been executed.

Because the exchange rate had moved in a way that didn't favor them, they opted to refund me rather than complete the transfer. That was just the beginning of the headache. After waiting two weeks for the refund, I was subjected to endless bureaucratic hurdles. They required me to prove the funds were debited, demanding letters from my bank and extensive documentation—all of which I provided.

After another four weeks of silence, I finally had to escalate the issue directly to the CEO. Only then was my refund processed.

For a premium business client, being forced to beg for my own funds due to their internal errors is unacceptable. I have officially stopped dealing with Instarem. Business owners need reliability, not arbitrary delays.

WorldFirst

WorldFirst

4.6  Summary
adamfoxagain VIC
 

I never bother with reviews but people need to be warned... Really simple. Signed up, verified my ID, deposited money, sent proof of deposit. Dead… Read more

silence. Weeks... online support say they'll look into it, a phone call says they'll look into it. I lost my money. Now lodged an AFCA complaint. Others should do the same.

WorldFirst
WorldFirst    

Hi @adamfoxagain, Please note that transactions may… Read more

TorFx

TorFx

4.0  Summary
JD Perth Western Australia 5 posts
 

I’ve used TORFX a few times, this last time the funds have not arrived at the recipient’s bank. I rang several times asking what’s happening and was… Read more

told it’s a “known issue” and they are investigating it. It’s been 8 days since the transfer was made and I’m still waiting for an answer. My account manager Phoebe at TORFX doesn’t ring back, even if I’ve left a message for a call back, so I’m left wondering what’s happened to my money. Fair enough that issues can happen, but you should follow up with the client and provide a progress report, to let them know what’s happening. I get the impression that they really don’t care.

I have little confidence in TORFX and their poor customer service. I will not be using TORFX ever again for international money transfers. Extremely disappointed.

Remitly

Remitly

3.2  Summary
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Satish D. VIC 2 posts
 

All good rates and fast transfer. Using from long time and good Customer service experience so far.

Rocket Remit

Rocket Remit

4.3  Summary
Domenic C. 3 posts
 

TOTAL [Content Removed].....Rocket Remit is a [Content Removed] . before depositing money on this [Content Removed] site, they will show you that the… Read more

funds are apparently being transferred... WITHOUT SENDING TXT MESSAGES to both parties, and then they wanted to charge me $25 admin fee. Please beware that they are total [Content Removed]. Before you decide to deposit money, check out the other sites, which have fewer fees, and they follow up on your request to send txt messages to both parties

Rocket Remit
Rocket Remit    

Hi Domenic, We’re sorry to hear about your… Read more (+1 reply)

Panda Remit

Panda Remit

3.8  Summary
Marcus F. NSW 2 posts
 

Was quoted what looked like a decent exchange rate to Thailand aud to bht. The fee quoted was $2 then after the transaction an additional fee appeared of $7 which had not been quoted. Awful

Tyro

Tyro

2.7  Summary
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Still waiting 6 posts
 

Do not go to any place using this system, they CHARGE THE CUSTOMER for the privilege of paying with a card. Not on at all. Check prices at point of sale.. no stars for tyro.

Tyro
Tyro    

Thanks for your comments and understand this is an important… Read more

OFX

OFX

2.4  Summary
E C R VIC 2 posts
 

Giving three stars for the speed of the transfer and the couple of nice customer service officers I spoke to, however when I called up to ask a… Read more

dealer to help me do the transfer over the phone the dealer could not have been ruder or more uninterested. I was new to the service and wanted to make sure I did everything right so as not to make a mistake transferring my money, and he made me feel so stupid to the point where I almost lost my temper. Only when I snapped and called him out on his tone did he become even slightly more helpful. When people are calling you to transfer their precious money and savings, maybe don’t make them feel like an inconvenience, and actually EXPLAIN how to do the transfer rather than sitting silent on the other end of the line and answering in one syllable grunts. Baffling how anyone is supposed to trust your dealers with their money when this is the standard of service. Honestly such an unpleasant experience. A real shame because the rest of the process was pretty good.

MoneyGram

MoneyGram

2.0  Summary
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Vicky 5 posts
 

Pathetic service from MoneyGram. I created an account to send money to my friend, but they closed my account without providing any reason. When I… Read more

contacted customer support, instead of explaining the issue or offering a solution, they kept asking irrelevant questions. Absolutely frustrating and unprofessional. No transparency, no proper support, and no satisfactory answers. I would not recommend MoneyGram.

Wise

Wise

1.7  Summary
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Selim S. 7 posts
 

I try to send money to another country by using wise. Normally it takes 5 minutes but today it takes more than 5 hours. I reached through help and… Read more

chat with them. They (wise) promised that transaction will be done in that day but unfortunately it did not happened.

WorldRemit

WorldRemit

1.7  Summary
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Abdul Hamid
   Fair Incentive  Verified

Very disappointing experience with WorldRemit. It has been 10 days since I sent my money to India, and the recipient still has not received it. This… Read more

is the second time my payment has been put on hold for verification.

I have wasted so much time dealing with this issue. I expected a reliable and fast money transfer service, but unfortunately my experience has been completely different.

I will not use WorldRemit again and would not recommend it to others.

Revolut

Revolut

1.8  Summary
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Andrew P.
 

Awful bank, the customer service is next to nothing, once your money goes in - transferring it out or to another person means your money disappears… Read more

but they subject you to “constant fraud” questions and your money still doesn't go to the recipient. Ive been with them from the start and every year service is poorer, short of it is i wouldn't use Revolut again if my life depended on it!!

Foreign Xchange

Foreign Xchange

2.6  Summary
Saml NSW 5 posts
 

I usually buy in store at Darlinghurst and the rates are relatively good. This time for the first time I feel like I got ripped off. The price they… Read more

gave me to buy USD was even less than the published rate on their website. Usually in store you can negotiate a better rate. They said something about some online promotion which is [Content Removed]. I will now need to get rates from elsewhere to compare in the future. You lost my loyalty guys.

Sydney Forex

Sydney Forex

3.1  Summary
Ahmed 11 posts
 

used to trust these guys...with the behaviour of a guy Imran...not anymore...the authority behaviour at a level...

Xe Money Transfer

Xe Money Transfer

1.6  Summary
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aHumaann I.
 

I had used Xe before without a problem. That is exactly why I trusted them with this transfer, and why I am writing this review: so nobody else… Read more

learns the way I did.

I was trying to reimburse a friend in India for customs fees he had paid out of his own pocket to receive a gift I sent him. Not a fortune — about $90 all in. Money he needs. Money I owed him.

In one single evening, this is what happened. First, Xe confirmed my transfer and took my money. A few hours later, they paused my account "while we take a closer look," cancelled the transfer, and said refunds would follow. Then, the same night, their Verification Department emailed me: my account had been closed. Not paused. Closed. The transfer was cancelled, a refund was "initiated," and — this is the part that should worry everybody — they wrote, in plain language, that they are "unable to provide any additional information." No reason. No specific concern. No chance to respond to anything, because there is nothing they will even name. And the refund of money they took and never delivered? It "can take up to 10 working days."

Think about what that means if you do not have much money. You send money to help someone pay a bill. The company keeps it for days, cancels the transfer, closes your account, refuses to tell you why, and holds your refund for up to two weeks. The person you were helping is still waiting. You have done nothing wrong that anyone will even describe to you, and there is no appeal against a reason you are not allowed to know.

A business that can take your money in minutes but needs ten working days to give it back — while closing your account in silence — is not running a security process. It is running a one-way door. Be very careful with this company, especially if the money matters to you, because when something goes wrong you will get a template, a closed account, and a wait. That is a disgusting way to do business with ordinary people.

PayPal

PayPal

1.4  Summary
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Lee G. 2 posts
 

Thanks PayPal! I just got a refund from a suspicious seller within 2 days of request through PayPal. Delighted with the reliability and protection of this service!

Hai Ha Money Transfer

Hai Ha Money Transfer

3.1  Summary
Trewyn VIC
 

My friend referred me with the link and I used the link to register. Made a transaction successfully. But when it came to get $15 for me and my… Read more

friend I didn’t get it. Rang the office and their reply was that I didn’t use the link properly. I explained to them that I had to take photo and go back and that must have created error in the link and they can see that but they were not very helpful to give me benefit of doubt and give me the $15 voucher as promised. I will never use or recommend to my friends again

Hai Ha Money Transfer
Hai Ha Money Transfer    

Hi Trewyn, Thank you for sharing your… Read more

Western Union

Western Union

1.2  Summary
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Vik VIC 3 posts
 

Western union service in this tech world is the worst and slow. When talking to customer service they don't have any way to help, just said wait. How long no idea. Don't use WU waste of time and money.

BPAY

BPAY

1.5  Summary
Mahfuz 5 posts
 

2025 ... take years to complete a transaction.. third class ... avoid Bpay

Osko

Osko

1.4  Summary
Paul 2 posts
 

This service was down again costing me over 3 days to wait for money. It is failing a lot these days and the regulator should be getting involved to fine this service. It is an essential service that fails with regularity...

I review it NSW 74 posts
   Verified

we've been using Pay.com.au to pay the ATO and other business invoices so we can earn credit card reward points. The platform is straightforward and… Read more

reliable and easy to use. The customer support team has been responsive and very easy to deal with. The small processing fee is worth it given the points hacking, especially if you’re looking to get the most out of business expenses. It’s a great tool for anyone looking to maximise rewards while managing regular payments.

AussieFair 36 posts
 

Genuine business real support – Recently used this site to sell a premium domain. The service worked well and support staff were responsive with genuine support during American business hours. Would use them again. Fees reasonable.

LBC Express

LBC Express

1.1  Summary
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CJ B. 2 posts
   Verified

If I could rate this 0, I would. I booked a pick-up on 18 May, and the assigned driver, [Name Removed], did not show up or send any message to let… Read more

us know he wouldn't be coming. Due to our busy schedules, we had to rebook for two weeks later. I specifically requested a different driver as [Name Removed] had already proven to be unreliable.

Despite this, [Name Removed] was assigned again. He then changed the booking date from Monday to Sunday, even threatening that if we don't confirm the booking will be cancelled and the next day, he attempted to cancel the booking entirely due to missed calls — even though the pick-up was properly booked through LBC's customer service and the schedule change was confirmed via message.

His behaviour throughout was rude and unprofessional. LBC clearly doesn't screen their employees, even if he is just a contract he represents LBC. If he's not reliable, then clearly LBC is not.

Tenshi QLD
   Verified

These guys make it incredibly hard for people to enable their accounts just so that they can receive the money owed through them. This account is… Read more

forced on people by ebay, and they essentially hold your money hostage unless they complete st^pid tasks. Not even my banks have ever been this annoying. I provided everything they asked for so I can withdraw MY money, and they still ask for more. They asked for pictures FIVE TIMES over, and it wasn't enough. I gave them pictures with a VERY CLEARLY visible date, and yet they tell me that it's not readable. The entire system is EXTREMELY frustrating and I can't stress that enough. Never have I seen a system designed to frustrate the hell out of their customers. If they're in the business of annoying clients, I'm afraid they're very successful. Not paypal, not Wise, not any bank I've ever dealt with in my life, just this one, payoneer. It's no wonder the only way they're getting any customers is by forcing the "service" down the throat of ebay users. Because otherwise they wouldn't get a d#mn soul.

Martin 3 posts
 

NZ$ 2000 missing - Canberra Airport--Don't use Travelex – I placed an order on their web page for NZ$ 2000 to be collected by them at Canberra Airport on the 3rd of March before my parents departed for… Read more

Wellington. Paid for it by bank transfer and got the confirmation for the funds to be picked up on the 3rd of March at Canberra Airport. When we arrived there at 09h30, surprise, surprise, the counter was closed with a sign saying will be back at 17h30 and a disconnected 1800 number to call. After some searching reached the helpline and basically they were saying, sorry, there is nothing we can do and they were not interested at all to transfer this order to Wellington to be picked up there, someone will be there at 10h30. Not an option with an international flight leaving at 11h00.

Needless to say I never received and email or any other information that the counter was closed. (standard opening times 7 am to 7pm every day!!!!)

I ended up taking the funds from the ATM leaving me with AUD 2000 short, just in order to give my parents enough cash for their trip.

This attitude to customers and the lack of reliability when it comes to funds trusted to them is shocking and highly unprofessional. Interesting when they will refund me the money.

So if you have to rely on someone to handle your travel money in a responsible way, think twice about using Travelex. I certainly will.

Convera

Convera

1.0  Summary
Davo VIC 38 posts
 

Con by name Con by nature – Had a small UK pension that needed to be transferred to my bank in Australia Beyond Bank. They (Beyond Bank) use CONvera as a platform to transfer… Read more

money, first transfer took 8 days and they (CONvera) said my UK fund had not given sufficient information,I checked and they had all the information they needed. Second transfer is now 12 days old and still no sign of my money. I think they hold onto small amounts like mine and invest it for as long as they can, I'm being bounced around between them (CONvera) and the Beyond Bank here in Australia. They (CONvera) have lots and lots of negative reviews on another site, I wish I'd read them first. Learn from my experience,use only professional transfer services with good reviews and up to ASIC standards. Update....just got an email from Beyond Bank......they now need me to I D myself again ( Already received one payment on previous ID NOW I have ID Myself to proceed with MY next payment) , I will play their game and then find a replacement money transfer platform that works.

Beem

Beem

1.0 
James K. VIC 12 posts
 

Terrible app, so glitchy that my hypertension is up around the 200's. The irony is that I don't even need this app. All I want to do is reclaim my… Read more

Coles, Flybuy credits online. First they advised me to switch over to Coles Pay, so I did. Then I was told that to use Coles Pay, I needed to have a Beem account. So reluctantly I began the long and lengthy process of signing up for something I never wanted to sign up for in the first place. Now here we go down a long and windy rabbit warren. Finally, having reached the end it asks me to confirm my phone number. I enter the number, only to be told that this number is already associated with an account. I re enter my phone number at least another four times, and no joy. Thinking outside the box, I made up a phone number, entered it, and got the same result. In fact, I tried around 18-20 falsified numbers, and receiver the same message. THIS NUMBER IS ALREADY ASSOCIATED WITH AN ACCOUNT. So, financial institution that wishes to be taken seriously, either has accounts with fake phone numbers, or a shameful and very glitchy app. How can a financial institution afford to have either of these defective issues in place? Or is this simply another COLES scam, designed to take advantage of hard working Aussies.