Mid-market rate 1 AUD = 0.698096 USD (ECB reference, 2026-07-30). Below: how much us dollar the recipient actually receives at three common send sizes, after each provider's margin + fixed fee.
At a $5K-equivalent transfer, Wise delivers $74.94 more to the recipient than Western Union — a 2.16% end-to-end difference.
| Provider | Recipient gets | Total cost |
|---|---|---|
RevolutCheapest App-native; free within plan limits, then ~0.5–1% margin. | $694.61 | A$5.00 0.5% |
Wise Mid-market FX with a small explicit fee. | $693.46 | A$6.64 0.66% |
Xe Established broker; competitive on mid-size transfers. | $691.46 | A$9.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | $675.77 | A$31.98 3.2% |
OFXBelow min No fixed fee; B2B-grade margins on $1K+ transfers. | — | — |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | $3,473.28 | A$24.64 0.49% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | $3,473.03 | A$25.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | $3,460.81 | A$42.50 0.85% |
Xe Established broker; competitive on mid-size transfers. | $3,457.32 | A$47.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | $3,398.34 | A$131.98 2.64% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | $6,948.05 | A$47.14 0.47% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | $6,946.06 | A$50.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | $6,921.62 | A$85.00 0.85% |
Xe Established broker; competitive on mid-size transfers. | $6,914.64 | A$95.00 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | $6,801.56 | A$256.98 2.57% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
For each provider:
Provider margins are typical retail-customer figures observed on each provider's own price calculator across major corridors (last reviewed 2026-04-29). They vary by corridor, time of day, payment method, and account tier — get a real-time quote at the “Quote” link in the table for your exact transfer.
We assume bank-funded online transfers, which is the cheapest path everywhere we sampled. Debit / credit-card funding adds 1–3% on top across providers. Western Union's walk-in cash price is meaningfully worse than online; we model online.
Last reviewed
April 29, 2026
Reviewed by
infoz Editorial Team — Editor, ZMedia Global Corp
Provider margins reviewed quarterly across major corridors. Mid-market reference rates from ECB 2026-07-30.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.
Provider links are nofollow + sponsored. Not financial advice. See disclaimer.