Convert AUD to US dollars and see how much of the mid-market rate a provider keeps as spread and fees.
Providers rarely charge an explicit commission; they widen the spread instead. Applying the margin to the mid-market rate and subtracting any fixed fee gives the amount that actually lands, and dividing that back by the amount sent gives the effective rate. Sending money from or to Australia. Comparing providers on the advertised rate is misleading — the effective rate after spread and fees is the only figure that determines what the recipient gets.
Australia to USD
Received = amount × rate × (1 − margin) − fixed fee
Received = amount × rate × (1 − margin) − fixed fee Providers rarely charge an explicit commission; they widen the spread instead. Applying the margin to the mid-market rate and subtracting any fixed fee gives the amount that actually lands, and dividing that back by the amount sent gives the effective rate.
Sending money from or to Australia. Comparing providers on the advertised rate is misleading — the effective rate after spread and fees is the only figure that determines what the recipient gets.
This calculator takes 4 inputs: Amount in AUD, Exchange rate (1 AUD to USD), Provider margin over mid-market rate, Fixed transfer fee. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.
Results on this page are expressed in AUD (Australian Dollar). Figures are estimates for general planning — confirm current rates and thresholds with the relevant Australia authority before relying on them.