Send money from Australia to Europe
Transfer Australian Dollars to Euros without the bank markup. X Rate Capital prices AUD→EUR off the live interbank market, settles same-day or next-day across the SEPA area over SEPA, and puts a named specialist on every transfer.
Sending the other way? Send money from Europe to Australia.
More routes: Australia transfers · Europe transfers
What people use us for in Europe
Buying property in Europe
Deposits, staged payments and completion on a European purchase — rate locked when you commit, funds landing over SEPA on the day they're due.
Relocating to Europe
Move savings, salary and pension income from Australia without losing 3–4% to your bank each time. Australia has no limit on outbound transfers, though AUSTRAC reporting applies to international movements.
Family & living costs
Regular or one-off support for family in Europe, settling same-day or next-day across the SEPA area, with scheduled transfers and a full audit trail.
Paying European suppliers
Pay suppliers, contractors or staff in Euros with batch payments, forward cover on your margin, and transparent AUD/EUR pricing.
Where the savings actually come from.
A high-street bank pricing AUD/EUR builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over SEPA, so what you compare is the rate itself.
- Exchange rateMid-market plus a transparent marginWide spread, often hidden
- Settlement speedSame-day to T+2 typical3 to 5 business days
- Account managerNamed human, by phoneBranch queue or call centre
- Forwards / hedgingUp to 24 months, structuredLimited or unavailable
- Mass paymentsBulk batches, multi-currencyOne-by-one entry
- Crypto on/off rampRegulated, OTC deskNot supported
- Multi-currency holding65+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
Built for the people who move money.
Most Australia-to-Europe transfers we handle are second homes in Spain, France, Portugal and Italy, relocation, and paying European suppliers — so the desk already knows the paperwork, the cut-offs and where this route usually stalls.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage 65+ currencies in one account, making global transactions simple and hassle-free.
Fast & secure
Move money quickly and securely with advanced encryption, ensuring every transaction is seamless.
Three steps to seamless global transfers.
Set-up takes minutes. Once you are approved, AUD/EUR transfers settle same-day or next-day across the SEPA area, with a named dealer for anything time-sensitive.
Open your account
Sign up and verify your identity once. We will ask what you are moving and roughly how often, so the desk can set up your Australia funding and your Europe beneficiary before the first trade.
Fund over the New Payments Platform (Osko)
Send Australian Dollars to your account using the New Payments Platform (Osko). Australia has no limit on outbound transfers, though AUSTRAC reporting applies to international movements.
Settle into Europe
We book AUD/EUR at the live rate and pay out over SEPA — same-day or next-day across the SEPA area. Euros arrive over SEPA, which reaches every account in the euro area on standard terms — so a payment to Spain settles the same way as one to Germany.
Frequently asked questions
How long does a transfer from Australia to Europe take?+
Funds reach the beneficiary over SEPA, typically same-day or next-day across the SEPA area once your money has cleared with us and the beneficiary is verified. Euros arrive over SEPA, which reaches every account in the euro area on standard terms — so a payment to Spain settles the same way as one to Germany. Your named specialist confirms exact timing before you book.
What do I need to know about sending money out of Australia?+
Australia has no limit on outbound transfers, though AUSTRAC reporting applies to international movements. On the receiving side: Euros arrive over SEPA, which reaches every account in the euro area on standard terms — so a payment to Spain settles the same way as one to Germany.
Are there fees to send AUD to EUR?+
No account or monthly fees. We earn a small, transparent margin on the exchange rate, disclosed before you confirm the trade — so the amount on your confirmation is the amount that arrives. Compare that with a bank quote, where the margin sits inside the rate and a wire fee sits on top.
How much could I save versus my bank on a AUD/EUR transfer?+
On a typical bank margin of 2–4%, a £50,000-equivalent transfer costs £1,000–£2,000 in spread you never see itemised. Our margin is a fraction of that and shown to you before you commit. The calculator above gives you an indicative AUD/EUR figure to compare against your bank's quote.
What are people usually sending AUD to EUR for?+
Most AUD/EUR volume we handle is driven by second homes in Spain, France, Portugal and Italy, relocation, and paying European suppliers. Whichever applies to you, the same desk handles the deposit, the staged payments and the completion, so you're not re-explaining your situation each time.
Is X Rate Capital regulated?+
Yes. Payment services are delivered through FCA-authorised partners — Sciopay Ltd (FRN 927951) and Equals Connect Limited (FRN 671508). Client funds are safeguarded in segregated accounts with tier-1 UK banks.
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.