The Best Online Currency Exchange Services in Australia for 2025

Use this guide to figure out which currency exchange in Melbourne Airport might be best for you, and don't forget to also take a look at travel money cards to see if popping one in your wallet can help you save. You can take the mid-market rate for your currency as a good benchmark when measuring up your options for currency exchange in Melbourne Airport. Find the mid-market rate on Google, and then look for a provider which offers this or as close as possible to it. The best place to exchange currency in Melbourne Airport does depend a lot on where in the city you are, and which currencies you need.
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As you can see, there’s no shortage of options when it comes to exchanging money in Melbourne. Don't forget to do your research on the exchange rate before converting your money, and check Wise out if you want a fuss-free alternative to exchanging cash. When using an ATM abroad, choose to be charged in Australian dollars for a fairer rate and avoid undisclosed exchange rates and additional fees. While currency exchange booths offer convenience, they may not always have a wide range of less common currencies available, such as the Indian Rupee (IDR) or Hong Kong Dollar (HKD). It is advisable to call ahead and check if they have the currency you need, especially on busy days. Additionally, some booths may have limited cash amounts for the most common currencies, so confirming availability beforehand can save you a trip.
Their exchange rates aren't as competitive as S Money's but their customer service is excellent. If you’re planning on exchanging currency with a bank, you’ll need to double check the travel money and exchange options available. Many banks only offer exchange to customers who already have an account - plus you might have to order online in advance, particularly if you’re looking for a more exotic currency. If your local bank offers currency exchange to people who aren’t customers, bear in mind that you’ll need to take an ID document along with you to collect your cash.
Familiarize yourself with the base rate to identify a bad deal from exchange services. United Currency Exchange do not charge any fees or commission when you  purchase currency from them. To compare the fees and charges of different Australian providers, refer to our comparison table.

The S Money Sydney CBD store is located at Wharf 6, Circular Quay.The store is on the wharf nearest to The Museum of Contemporary Art at The Rocks.It is open 9am to 5pm – Monday to Friday. We have stores in Sydney and Melbourne plus a number of collection locations across NSW, VIC, QLD and WA. We process your order as soon as we’ve received payment and we try our best to get this to you. While Crown Currency had the worst US Dollar rate, it wasn't that far off the mark.
The key here is that Wise uses the mid-market exchange rate, while Commbank has added a fee to the rate used to convert your AUD to USD. This fee is hard to spot - but it means the recipient gets less in the end compared to with Wise. Are you confused by the large number of different ways to transfer money overseas from Australia? In this article, we examine a selection of popular ways to send money overseas including banks and remittance services, plus money transfer services which operate entirely online. We have outlets located in Sydney, Hurstville, Eastwood, Chatswood, Sunnybank (QLD), and Box Hill – Melbourne (VIC), with plans to open outlets in other Australian cities. Get your currency exchange in Melbourne without visiting a shopping centre or bank.

Check out Travel Money Oz’s Melbourne Store Locator for the closest store to you. There’s no fee to spend any currency you hold, and no foreign transaction fee to worry about. Please note – denominations requests are not available on all currencies and are not guaranteed. We do our very best to provide the mix of notes you want but it really depends on what stock we have at the time. The S Money Melbourne CBD store is located at 44 Spencer Street, Melbourne VIC 3000. Store Collection orders are available on within 1-3 business day  – once we have received your payment.
You can also get a linked debit card for easy spending and withdrawals, which automatically exchanges your currency with the mid-market rate and the lowest possible fee when you spend. HiFX is an international money transfer companies which provides you with competitive exchange rates and the lowest possible fees. The service lets you send money to more than 170 countries, and you find a wide range of currencies.
Australia Post, also known as Auspost, offers currency exchange services at over 3,000 of its branches across Australia. Foreign Xchange has partnered with Auspost to offer exchange rates that are better than those offered by banks. Airport exchange services tend to offer poor exchange rates because they know that customers have few other options.

The best places to buy US dollars in Australia tend to be located in the major city CBDs. There is the most competition, exchange rates are better and the fees are lower. S Money is one of the best places to exchange currency because their exchange rates match what you see on XE or Google. Being faster than almost any other place to exchange money, S Money are ideal for last minute travellers. A significant portion of Australian businesses may not be diligently checking exchange rates or shopping around for the best rates before making international payments. This study unveils the oversight that could be costing businesses financially and highlights the importance of being exchange rate aware.
Enjoy competitive rates, no commission fees, and the convenience of ordering online and picking up in-store. That means that there's no best time for currency exchange, but tracking the market can certainly help you spot a good deal when one becomes available. Before you pick the right Melbourne currency exchange option for your needs, do a little shopping around.
Let’s look at an example, where we imagine making a payment of 5,000 AUD from Australia to the United States, to be deposited to a bank account in USD. This means the only difference in cost between one place and another is the exchange rate. In our experience, the difference between a good exchange rate, which you can get online, and the best rate you can find will only amount to a couple of dollars.