Send money from Australia to the USA
Transfer Australian Dollars to US Dollars without the bank markup. X Rate Capital prices AUD→USD off the live interbank market, settles same-day on wires, one to two days on ACH over Fedwire or ACH, and puts a named specialist on every transfer.
Sending the other way? Send money from the USA to Australia.
More routes: Australia transfers · USA transfers
What people use us for in the USA
Buying property in USA
Deposits, staged payments and completion on a American purchase — rate locked when you commit, funds landing over Fedwire or ACH on the day they're due.
Relocating to USA
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 USA, settling same-day on wires, one to two days on ACH, with scheduled transfers and a full audit trail.
Paying American suppliers
Pay suppliers, contractors or staff in US Dollars with batch payments, forward cover on your margin, and transparent AUD/USD pricing.
Where the savings actually come from.
A high-street bank pricing AUD/USD builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over Fedwire or ACH, 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-USA transfers we handle are US property, university fees, business expansion and investment accounts — 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/USD transfers settle same-day on wires, one to two days on ACH, 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 USA 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 USA
We book AUD/USD at the live rate and pay out over Fedwire or ACH — same-day on wires, one to two days on ACH. Dollars sent by wire land the same business day; ACH is cheaper but takes an extra day or two.
Frequently asked questions
How long does a transfer from Australia to the USA take?+
Funds reach the beneficiary over Fedwire or ACH, typically same-day on wires, one to two days on ACH once your money has cleared with us and the beneficiary is verified. Dollars sent by wire land the same business day; ACH is cheaper but takes an extra day or two. US banks commonly deduct correspondent fees from incoming wires — we route to avoid that where possible. 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: Dollars sent by wire land the same business day; ACH is cheaper but takes an extra day or two. US banks commonly deduct correspondent fees from incoming wires — we route to avoid that where possible.
How do I get the best AUD/USD exchange rate?+
High-street banks typically build 2–4% into the AUD/USD rate they quote, and the cost is inside the rate rather than shown as a fee. X Rate Capital prices off live interbank with a small margin disclosed before you confirm. Use the calculator above for an indicative rate, then speak to the desk for a live quote.
Can I fix today's AUD/USD rate for a future payment?+
Yes. A forward contract locks the current AUD/USD rate for a payment up to 24 months ahead — useful when US property means committing to a figure now and paying later. Ask your specialist about forwards when you request a quote.
Are there fees to send AUD to USD?+
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.
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.