Send money overseas from Australia

Grey is a transfer account for people in Australia who pay someone in another country regularly. Fifty-eight destinations, the rate and the fee both on screen before you confirm, and no branch visit or paper form at either end. Grey holds no Australian dollar balance, so the money you send from is held in US dollars, pounds or euro and converted at the point you send it.

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Open a Grey account

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What Grey does from Australia

Roughly 8.1 million of Australia's 27 million residents were born overseas, on approximate figures, and something like 16 billion US dollars leaves the country in remittances each year. India is the largest single corridor inside that total. Those two numbers are why an account that is honest about its exchange rate is worth more here than it is in most countries.

Two readers stand behind almost every route on this page. One is a migrant or temporary resident in Blacktown, Dandenong, Truganina, Footscray or Perth sending a fortnightly share to a parent, a spouse or a mortgage at home. The other is an Australian household or business paying outward: a supplier invoice, a tuition instalment, a contractor on a mine site or a farm, or an estate in Italy or Greece that still has to be settled. Grey does the same job for both.

Grey holds no Australian dollar balance. What you send from is held in US dollars, provided by Lead Bank, or in pounds or euro, and it fills as money arrives: salary paid in, an invoice settled, or a transfer you make yourself. The conversion happens when you send, at a rate you can read with the fee stated beside it, and the figure your recipient receives is the one you agreed to.

Sign up

Opening a Grey account costs nothing and takes about five minutes from your phone. One valid identity document is enough, a passport or an Australian driver licence.

Fund

No Australian dollar balance exists to be topped up. Your balance sits in US dollars, provided by Lead Bank, in pounds or in euro, and it fills when money arrives: an employer paying you, a client settling an invoice, or a transfer you send in yourself.

Send

Choose the destination, enter the account details your recipient actually uses at home, and read the rate and the fee before confirming. The rate is fixed at the moment you confirm, and the transfer is trackable through to settlement.

What your recipient is actually paid in

Grey reaches 58 destinations from Australia. In 51 of them the payout is in the destination's own currency, into a local bank account or a mobile money wallet, and the recipient needs no Grey account to be paid. In the eurozone the conversion happens once, into euro. In seven countries what arrives is a euro credit rather than the local currency, and it is better to know that before you send than after.

Paid in the local currency

Rupees into an Indian account by IFSC code, yuan into a Chinese bank, pesos into BDO or a GCash wallet, naira through NIBSS, shillings into M-Pesa in Kenya. Fifty-one of the 58 destinations work this way, as an ordinary local credit.

Paid in euro, converted once

Ireland, Italy, Greece, Spain, Portugal, France, Germany, the Netherlands and the rest of the euro countries take a single conversion, out of your balance and into euro, landing in the recipient's IBAN. Nothing is left waiting to be converted again on arrival.

Paid in euro where the local currency is not euro

Poland, Sweden, Denmark, Romania, Czechia, Hungary and Bulgaria receive a euro credit into a local IBAN through SEPA rather than zloty, krona, krone, leu, koruna or forint. The recipient's own bank converts if they want local currency. Bulgaria adopted the euro on 1 January 2026, so there this is simply the normal arrangement.

What it costs to send money overseas from Australia

Australia has spent a decade teaching people that money simply moves. PayID and Osko settle a payment between two Australian accounts in seconds off a phone number or an email address, and the New Payments Platform runs underneath them. Not one of those rails crosses a border. The moment a payment leaves the country it lands on much older infrastructure, and the price and the waiting change accordingly. That gap, rather than any single fee, is what this page is about.

Australian pay cycles are mostly fortnightly and so is most sending. A margin you would not bother arguing about on one transfer is a different figure across twenty-six of them, which is the arithmetic worth doing once, before you decide where to send from, rather than every fortnight afterwards.

Where you can send from Australia

Grey serves more than 80 countries, and 58 of them have a page written for senders in Australia. The two below carry more of this market than any others.

Read the full Australia to India page

Send money from Australia to India

India is the largest single corridor out of Australia and the reason this market reads the way it does. Rupees reach an Indian account through the IFSC code, or a UPI ID if that is how your family is paid, with the rupee figure shown before you confirm. Harris Park, Blacktown, Truganina and Craigieburn are where a great many of these transfers start.

Read the full Australia to India page

Read the full Australia to China page

Send money from Australia to China

China sits behind India here and behind very little else. Money going that way from Box Hill, Glen Waverley or Rowville is as often tuition, a property instalment or support for parents as it is a monthly remittance. Grey pays yuan into a Chinese bank account, with the rate fixed at confirmation and the fee stated beside it.

Read the full Australia to China page

Every other destination reachable from Australia

Send money From Australia to Austria

Send money From Australia to Bangladesh

Send money From Australia to Belgium

Send money From Australia to Brazil

Send money From Australia to Bulgaria

Send money From Australia to Cameroon

Send money From Australia to Canada

Send money From Australia to Chile

Send money From Australia to Cote d’Ivoire

Send money From Australia to Czechia

Send money From Australia to Denmark

Send money From Australia to Egypt

Send money From Australia to Ethiopia

Send money From Australia to Finland

Send money From Australia to France

Send money From Australia to Germany

Send money From Australia to Greece

Send money From Australia to Hungary

Send money From Australia to Ireland

Send money From Australia to Italy

Send money From Australia to Malaysia

Send money From Australia to Mexico

Send money From Australia to Morocco

Send money From Australia to Netherlands

Send money From Australia to Philippines

Send money From Australia to Poland

Send money From Australia to Portugal

Send money From Australia to Romania

Send money From Australia to Rwanda

Send money From Australia to Saudi Arabia

Send money From Australia to Senegal

Send money From Australia to South Africa

Send money From Australia to Spain

Send money From Australia to Sweden

Send money From Australia to Tanzania

Send money From Australia to Thailand

Send money From Australia to Turkiye

Send money From Australia to Uganda

Send money From Australia to United Kingdom

Send money From Australia to Uruguay

Send money From Australia to Argentina

Send money From Australia to Croatia

Send money From Australia to Cyprus

Send money From Australia to Estonia

Send money From Australia to Ghana

Send money From Australia to Indonesia

Send money From Australia to Kenya

Send money From Australia to Latvia

Send money From Australia to Lithuania

Send money From Australia to Luxembourg

Send money From Australia to Malta

Send money From Australia to Monaco

Send money From Australia to Nigeria

Send money From Australia to San-Marino

Send money From Australia to Slovakia

Send money From Australia to Slovenia

Send money From Australia to United States

The best way to send money overseas from Australia

If total cost is what you are judging

Judge it on what reaches the other account, not on the fee line. An international transfer from an Australian bank carries a fee and a rate margin, and on most amounts the margin is the larger of the two. Grey shows the fee and the rate as two separate numbers before you confirm, so the sum is one you can do yourself.

If you send on a fortnightly cycle

Pay here is usually fortnightly and so is sending. The rate is fixed at confirmation and the fee is stated next to it every time, which turns twenty-six transfers a year into a figure you can predict rather than one you reconstruct from statements in July.

If you need more than a one-off transfer

The same account holds US dollars provided by Lead Bank, pounds and euro, comes with a virtual Mastercard for paying online in those currencies, and moves money to another Grey user instantly and free of charge through GreyTag.

What Grey is

Grey Inc is a financial technology company, not a bank. Banking services are provided by licensed banking partners. Transfers are encrypted and trackable from the moment you confirm through to settlement in the destination account.

Everywhere else Grey reaches from Australia

Grey serves more than 80 countries, and Australia's 58 destinations sit inside that. The balance does not change when the destination does: the same US dollars, pounds or euro pay rupees into India, euro into Ireland, rand into South Africa or shillings into Uganda, and the fee attached to each route is visible before anything is confirmed.

The account also holds those three currencies for as long as you want to hold them, carries a virtual Mastercard for spending online, and moves money between Grey users instantly through GreyTag at no cost. A recipient never needs an account of their own to be paid.

South and Southeast Asia: India, Bangladesh, China, the Philippines, Indonesia, Malaysia and Thailand, each paid in its own currency into a local account or a mobile wallet.

Africa: Nigeria, Ghana, Kenya, Uganda, Tanzania, Rwanda, Ethiopia, Cameroon, Senegal, Cote d'Ivoire, Egypt, Morocco and South Africa, with mobile money where the destination runs on it.

Europe: the euro countries take one conversion into euro, the United Kingdom is paid in pounds, and Poland, Sweden, Denmark, Romania, Czechia, Hungary and Bulgaria receive a euro credit rather than their own currency.

The Americas and elsewhere: the United States and Canada, Brazil, Mexico, Chile and Uruguay in their own currencies, with Turkiye and Saudi Arabia covered as well.

What one Grey account covers from Australia

FAQs

Can I hold Australian dollars in a Grey account?

No. Grey holds no Australian dollar balance. You hold US dollars provided by Lead Bank, pounds or euro, and convert at the point of sending.

How many countries can I send to from Australia?

Fifty-eight destinations have pages written for senders in Australia, inside a network of more than 80 countries that Grey serves overall.

Does Grey use PayID or Osko to move money out of Australia?

No. PayID and Osko settle only between Australian accounts. Anything crossing a border runs on other rails, which is where the cost sits.

Which destinations do not pay out in the local currency?

Poland, Sweden, Denmark, Romania, Czechia, Hungary and Bulgaria receive a euro credit into a local IBAN. The recipient's bank converts it if they want.

Does my recipient need a BSB and account number?

No. A BSB is an Australian detail. Your recipient gives you whatever identifier their own country uses, such as an IFSC code or an IBAN.

Does my recipient need a Grey account to be paid?

No. Payout is an ordinary credit into their local bank account or mobile money wallet, in their own currency in most destinations.

How long does opening an account from Australia take?

About five minutes on your phone, at no cost. You need a valid identity document such as a passport or an Australian driver licence.

Is the rate I see on screen the rate I get?

Yes. The rate and the fee are both shown before confirmation, and the rate is fixed at the moment you confirm the transfer.

Can I send to India and China from the same balance?

Yes. One US dollar, pound or euro balance funds every destination, so adding a second country does not mean adding a second account.

What does a transfer from Australia cost with Grey?

A stated fee plus the exchange rate applied, both visible before you confirm. Nothing is adjusted after the transfer has been sent.

Can I pay a supplier or a contractor abroad rather than family?

Yes. Invoices, tuition, property instalments and contractor payments take the same route as family transfers, paid in the destination's currency.