TopRate Transfer

Top Rate Transfer — the smarter way to send money from Australia and New Zealand to Nigeria, Kenya, Philippines India, and more.

WHY CHOOSE TOP RATE TRANSFER?

Best Exchange Rates

• Compare live exchange rates and send money at rates that beat the banks. We display our rates upfront — no hidden fees, no surprises.

Cashback Rewards

• Earn cashback on every single transfer. The more you send, the more you earn. Your cashback balance is always visible and ready to use.

Rate Alerts

• Set alerts for your target exchange rate. We notify you the moment your rate is hit, so you never miss the best time to send.

Live Transfer Tracking

• Track your money transfer in real-time right from your iPhone lock screen and Dynamic Island. Know exactly when your recipient gets paid.
• Fast & Secure Transfers Send money to bank accounts across Africa, Asia, and beyond. Most transfers arrive within minutes. Your funds and data are protected with bank-level encryption.

Refer & Earn

• Share your referral code with friends and family. You both earn rewards when they make their first transfer.

Easy Identity Verification

• Live exchange rates with rate comparison
• Rate alerts — get notified when rates move
• Cashback rewards on every transfer
• Real-time transfer tracking on lock screen
• Send to bank accounts in multiple countries
• Referral program — earn when friends send
• Biometric login (Face ID & Touch ID)
• Sign in with Apple & Google
• In-app support with ticket tracking

SUPPORTED CORRIDORS:

• Send from Australia (AUD) and New Zealand (NZD) to Nigeria (NGN), Philippines (PHP) Kenya (KES), Ghana (GHS) India (INR), and more countries. New corridors added regularly.

SECURITY:

• Bank-level 256-bit encryption
• Biometric authentication (Face ID / Touch ID)
• PIN protection
• Regulated by AUSTRAC

Download Top Rate Transfer today and start sending money smarter. Secure PIN and biometric authentication Verify your identity in minutes using your phone camera.