United States to Australia Business Payments
Your bank takes 3 days to settle a USD→AUD payment. Your Australia supplier waits. Your goods sit at port. Your margin shrinks by 2-4% before you even see the rate.
We settle in 2.3 seconds at 0.5%. Same day. Fully transparent.
Get a Free QuoteBank of Canada regulated · FINTRAC registered · Used by $1M+ businesses
Every day your bank takes to settle a USD→AUD payment costs you money you'll never recover.
Before we show you a single number, know this: we are regulated, audited, and transparent. Our pricing is published. Our client funds are segregated. These aren't marketing claims — they're regulatory requirements we meet daily.
These aren't marketing claims — they're regulatory requirements we meet daily.
What Your Bank Really Charges on USD→AUD Payments
Two columns: your bank vs us. The difference on a single £100k payment is £2,030.
- 2-4% (hidden in the rate)
- 2-3 business days
- £25-40 SWIFT fee + correspondent charges
- You see their rate, not the real rate
- On £100k: you lose £2,500–£4,000
- 0.5% (published)
- Settles in seconds — 2.3 second average
- £5 flat
- Live mid-market rate shown
- On £100k: you pay £505
On a single £100,000 payment, the difference is £2,030. If you make 10 payments a year, that's £20,300 your bank kept.
There's a fourth cost your bank charges that most businesses never see. It doesn't appear on any statement.
See the hidden cost →How Paying Australia Suppliers Actually Should Work
1. Upload Your Invoice
Drop your supplier's PDF invoice. Our AI reads the amount, currency, and beneficiary details in seconds. No manual data entry.
2. See the Real Rate — Live
We show you the mid-market USD/AUD rate with our 0.5% spread applied. No hidden markups. Watch your P&L in real-time — red when you're losing margin, green when you're gaining.
3. Lock and Send — 15-Second Window
See a good rate? Lock it for 15 seconds. Check with your team. Confirm when ready. Payment settles in 2.3 seconds average.
4. Instant Proof of Payment
Your supplier gets confirmation immediately. Documents released. Goods cleared. No 3-day wait wondering if the SWIFT went through.
The Numbers
Bank of Canada supervised PSP under RPAA · FINTRAC registered MSB · Client funds in segregated Tier-1 bank accounts
Sending from United States: What You Need to Know
USD Origin Specifics
- USD global reserve currency
- ACH and FedNow available
- FinCEN reporting requirements
Your Local Advantages
- Local USD account available
- ACH (Automated Clearing House) instant collection
- No correspondent bank fees on origin side
How Fast Can You Send Money from United States to Australia?
Regulatory Considerations
- APRA (Australian Prudential Regulation Authority) oversight
- GST (10%) applicable to most goods/services
- ABN (Australian Business Number) required for all suppliers
- AUSTRAC AML/CTF compliance
Payment Best Practices
- Australia = Mining and agriculture powerhouse, commodity exporter
- NPP enables instant AUD payments without international wire fees
- Strong trade relationship with Asia-Pacific region
- Time zone considerations: AEST is 9-11 hours ahead of UK
What You Get That Your Bank Won't Offer
Popular Industries
- Mining
- Agriculture
- Education
Peak Trading Hours
EST (GMT-5) to AEDT (GMT+11) time zone consideration
Typical Volume
£50k-£250k
Why Businesses Making United States→Australia Payments Switched
Used by $1M+ businesses
£70M+ processed annually
FINTRAC registered · Bank of Canada supervised
Client funds held in segregated Tier-1 bank accounts
Questions Importers Ask About USD→AUD Payments
How fast does the money actually arrive?
Within our network: 2.3 seconds average, wallet-to-wallet. Via traditional SWIFT to your supplier's bank: 1-3 business days depending on correspondent banks. Either way, faster than the 3-5 days your bank typically takes for USD→Australia payments.
What's the catch with 0.5% spreads?
No catch. We publish our pricing. 0.5% FX spread + £5 flat fee per payment. No correspondent bank charges, no hidden markups, no "market volatility" surcharges. Your bank charges 2-4% because they can — you can't see it in the rate.
Is my money safe?
Client funds are held in segregated accounts at Tier-1 banks — never co-mingled with our operational funds. We are supervised by the Bank of Canada as a Payment Service Provider and registered with FINTRAC as a Money Services Business.
Can I send large payments (£100k+)?
We're built for it. Our platform handles £100k to £10M+ payments daily on the USD-AUD corridor. At these volumes, the savings vs your bank become material — £2,000+ per transaction. You also get a dedicated relationship manager, not a call centre.
What if I need to pay multiple Australia suppliers?
Upload multiple invoices, lock rates individually or in batch, and settle all at once. Each payment gets its own confirmation and audit trail. You typically need the recipient's local account details (NPP (New Payments Platform)), account number, and beneficiary name.
We know switching providers feels like one more thing to manage. It took our clients an average of 5 business days from first conversation to first payment. Most say they wished they'd done it sooner.
Your Next USD→AUD Payment Doesn't Have to Take 3 Days
Your Australian supplier doesn't have to wait. Your goods don't have to sit at port. Your margin doesn't have to shrink by 2-4% on every invoice.
That was the old way. There's a new way now.
Onboarding takes 5 business days · Dedicated relationship manager · Cancel anytime