Mid-market rate 1 AUD = 0.715379 USD (ECB reference, 2026-04-28). 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 $76.71 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. | $711.80 | A$5.00 0.5% |
Wise Mid-market FX with a small explicit fee. | $710.67 | A$6.59 0.66% |
Xe Established broker; competitive on mid-size transfers. | $708.58 | A$9.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | $692.62 | A$31.81 3.18% |
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. | $3,559.31 | A$24.59 0.49% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | $3,559.01 | A$25.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | $3,546.49 | A$42.50 0.85% |
Xe Established broker; competitive on mid-size transfers. | $3,542.92 | A$47.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | $3,482.60 | A$131.81 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. | $7,120.11 | A$47.09 0.47% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | $7,118.03 | A$50.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | $7,092.99 | A$85.00 0.85% |
Xe Established broker; competitive on mid-size transfers. | $7,085.83 | A$95.00 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | $6,970.07 | A$256.81 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.
Provider links are nofollow + sponsored. Not financial advice. See disclaimer.