TopRate Transfer

Send money from Australia and New Zealand to Nigeria, Ghana and Kenya at great exchange rates, with low fees you can see before you pay. TopRate Transfer is built for families and friends who send money home, whether that's school fees, rent, a wedding or support every month. SEE EXACTLY WHAT ARRIVES Enter an amount in AUD and see the exchange rate, our fee and the exact amount your recipient gets in naira (NGN), cedi (GHS) or shilling (KES), before you confirm. No hidden charges. PAY THE EASY WAY Pay with PayID straight from your Australian bank account. DELIVERY THAT SUITS YOUR FAMILY Send to a bank account, or to a mobile money wallet in Ghana and Kenya. TRACK EVERY TRANSFER Follow your transfer live, from payment to delivery, and get a notification when it arrives. NEVER MISS A GOOD RATE Set a rate alert for AUD to NGN, GHS or KES and we'll tell you when the rate hits your target. SEND AGAIN IN ONE TAP Save your recipients and repeat a transfer in seconds. SECURE BY DESIGN • Sign in with Face ID, Touch ID or a passkey • Identity verification keeps your account and your money safe • Your personal data is encrypted REWARDS Earn rewards and invite friends with refer-a-friend offers. HELP WHEN YOU NEED IT Get help in the app, or chat with our support team on WhatsApp. MORE COUNTRIES COMING SOON We're adding more countries across Africa, Asia and the Pacific, and sending from New Zealand. ABOUT US TopRate Transfer is a trading name of Top Rate Transfer Pty Ltd (ACN 641 161 444), an Australian business registered with AUSTRAC as a remittance service provider. Download TopRate Transfer and send money home today.