International money transfer guide
Best Way to Send Money Overseas From Australia
The best way to send money overseas from Australia is usually the option that gives your recipient the most money after exchange-rate margins, transfer fees and delivery time are considered. Compare the full cost before you pay, rather than choosing on fees alone.
New users can get a €20/£20/$20 bonus on their next transfer when they send €100/£100/$100 on their first transfer in 2026.
Whether you are supporting family, paying an overseas bill or moving money to your own account, there is no single provider that is best for every transfer. Your destination country, currency, payment method and urgency all matter. A specialist transfer service may suit many online transfers, while a bank or cash-pickup provider can be more practical in other situations.
If you are considering LemFi for an eligible transfer, code ABU5RR9M is the referral code to use during sign-up. The offer described here is: send €100/£100/$100 on your first transfer in 2026, then receive a €20/£20/$20 bonus on your next transfer.
How to find the best overseas money transfer option
A low advertised fee does not always mean a low-cost transfer. The exchange rate can make a substantial difference to the amount that arrives. Before confirming a payment, compare the total Australian dollars you will pay and the amount the recipient is expected to receive.
Compare the exchange rate
Check whether the provider builds a margin into its exchange rate. This can affect the final amount more than a visible transfer fee.
Check every fee
Look for sending fees, card fees and any charges that may be deducted before the recipient receives funds.
Confirm delivery method
Bank deposit, cash pickup and other delivery options can vary by provider and destination.
Check timing and details
Review the estimated delivery time and carefully verify the recipient’s name and account information.
Australia’s MoneySmart guide to sending money overseas recommends looking at both the exchange rate and fees. It also notes that transfers may be made through banks or money transfer businesses, online, through apps or in person.
Choose by need, not brand
Bank transfer, specialist service or cash pickup?
| Option | May suit you if | What to compare |
|---|---|---|
| Your bank | You prefer to send from your existing banking setup. | Exchange rate, transfer fee, intermediary charges and delivery estimate. |
| Digital transfer service | You want to compare app-based or online transfer options. | Total cost, recipient amount, supported corridors and payment methods. |
| Cash pickup service | Your recipient needs to collect money in person where available. | Pickup location, identity requirements, fees and collection timeframe. |
For each option, use the same transfer amount and destination when comparing. This gives you a more useful side-by-side result than comparing headline fees from different examples.
LemFi referral offer
What is the LemFi referral code ABU5RR9M?
ABU5RR9M is a referral code for new LemFi users. According to the promotion details provided, a new user who sends €100, £100 or $100 on their first transfer in 2026 can receive a €20, £20 or $20 bonus on their next transfer.
Check the applicable terms and eligibility in the app or through the referral offer before sending money. Transfer availability, currencies and requirements can depend on your location and transfer route.
How to use LemFi code ABU5RR9M
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1
Open the referral offer
Start through the LemFi referral link, or download the app from Google Play or the Apple App Store.
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2
Create a new account
Follow the registration and verification steps shown by LemFi. Enter referral code ABU5RR9M if a referral-code field is available.
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3
Set up your first transfer
Choose the recipient, destination and transfer amount. Review the exchange rate, fees and expected recipient amount before confirming.
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4
Meet the offer requirement
For the stated referral offer, send €100, £100 or $100 on your first transfer in 2026.
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5
Receive the next-transfer bonus
Once eligible, the promotion provides a €20, £20 or $20 bonus on your next transfer. Confirm the offer status and conditions in LemFi before relying on it.
Before you send: a quick overseas transfer checklist
- Compare the exchange rate and the total amount the recipient will receive.
- Check the transfer fee and any payment-method costs before confirming.
- Make sure the recipient’s name, account number and bank details are correct.
- Use official provider websites or app stores when creating an account.
- Do not send money because of pressure from an unexpected caller, message or online contact.
A good transfer choice is transparent: you should be able to see what you pay, what exchange rate applies and what the recipient is expected to get before you send.
If you are comparing promotions across providers, you may also find this Taptap Send promo code guide useful. Compare the underlying transfer terms as well as any referral incentive.
Frequently asked questions
What is the best way to send money overseas from Australia?
The best method depends on your destination, amount, delivery speed and payment method. Compare the exchange rate, all fees and expected recipient amount across suitable providers before deciding.
What bonus do I get with LemFi referral code ABU5RR9M?
The stated offer is a €20, £20 or $20 bonus on your next transfer after you send €100, £100 or $100 on your first transfer in 2026, subject to the applicable promotion terms and eligibility.
Do I need to use ABU5RR9M as a new user?
The code is intended for new LemFi users. Use it during sign-up where prompted, or begin through the referral offer, then check that it has been applied before completing your transfer.
Ready to compare your transfer?
Send with clear costs in mind
For the best value when sending money overseas from Australia, compare the final recipient amount, not just the advertised fee. If LemFi is suitable for your route, use referral code ABU5RR9M and make sure you understand the €100/£100/$100 first-transfer requirement for the stated €20/£20/$20 next-transfer bonus.
Visit LemFi and use code ABU5RR9M