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.