How we research transfer fees and exchange rates

Every fee on this site should be traceable to a page you can open yourself. This page explains which sources we use, how we date what we publish, and what we leave out.

FXRate.com.au is a general information site operated by Dominet BV. This page is general information only and is not financial advice. It does not consider your objectives, financial situation or needs. Dominet BV does not hold an Australian financial services licence (AFSL). We don't arrange transfers, recommend or rank providers, forecast exchange rates or receive payments from providers. Fees and rates change, so check the provider's own page and documents before you send or spend money. Facts were checked on 30 October 2026. Read our general information notice.

The sources we use

We use primary sources only:

1. Providers' own websites. Fee schedules, help pages, product pages and fee documents published by the bank or card issuer. We use each provider's pages only for facts about that provider.
2. Moneysmart. ASIC's Moneysmart for how overseas transfers work, what to compare and what to do if something goes wrong.
3. The ACCC. The Australian Competition and Consumer Commission for foreign currency guidance and its published research, which we always show with its date.
4. The Reserve Bank of Australia. The RBA's exchange rate definitions for how its published rates are set and what they represent.
5. myGov. For the government's general guidance on organising money before travelling.

We don't use comparison sites, forums, review sites or other publishers' articles as sources, and we don't copy their wording.

How we date facts

Each page lists its sources with the date we read them. Every fee is shown with that date, for example "as published by the bank on 30 October 2026". Where a provider's document carries its own date, such as a fee leaflet or a page's "last updated" note, we show that too.

We don't estimate, average or round fees. If a provider doesn't publish a figure, we don't publish one either.

Why we don't publish exchange rates

Exchange rates change through the day, and the rate a provider offers depends on the amount, the currency and the moment you ask. A rate on a web page would be out of date almost as soon as it was published. We explain how rates and margins work instead, and point to the provider's own quote as the place where your rate appears.

We don't publish worked examples with invented amounts or rates, and we don't calculate margins for any provider.

How we choose providers

We started with the four largest Australian banks, ANZ, CommBank, NAB and Westpac, because they publish full fee schedules for international transfers. We list them in alphabetical order. Covering a provider isn't a recommendation, and leaving one out isn't a judgement about it.

What we leave out

If we can't check a fact on the provider's own site or an official page, it doesn't go on the page. That includes fees on pages we couldn't open and figures that only appear on third party sites. We also don't publish phone numbers or email addresses. Provider pages carry their own current contact details, and linking to them avoids sending you to an out of date number.

Reviews and corrections

Every page shows a published, updated and reviewed date. When a provider changes its fees or conditions, we update the pages that rely on them and change the updated date. If a fact turns out to be wrong or out of date, we correct it at the next review.

Read our general information notice and about this site for more on who runs it.