Skip to content
English
Contact us
  • There are no suggestions because the search field is empty.

Does Send charge fees to send my money?

This article explains how Send shows the cost of your international transfer, what the "Fees from Send" line on your payment and transfer confirmation means, and what other charges may apply along the way.

 Before you confirm a transfer, Send shows you a summary of the amount being sent, the exchange rate, the “Fees from Send”, and the amount your recipient is expected to receive.

How costs are shown when you send money

When you make an international transfer with Send, you can see a clear summary of your transfer on the confirmation page before you confirm. This summary includes:

  • The amount being sent.
  • The exchange rate being applied.
  • A line showing fees from Send
  • The total amount your recipient will receive.

You can review this summary before deciding whether to go ahead with your transfer.

About exchange rates
Once you confirm your payment or transfer, your exchange rate is guaranteed as long as you fund the transaction in time. For more detail, see Is my exchange rate locked in?

Local vs SWIFT international transfers

International transfers can be sent in two ways, depending on the recipient's country and currency:

  • Local payments use domestic clearing systems in the recipient's country. They typically arrive within 1-2 business days.
  • SWIFT payments use the international banking network. They are useful for urgent or high-value transfers and have broad global coverage.

For SWIFT payments, the receiving bank or any intermediary banks may deduct their own charges along the way. This means your recipient could receive less than the amount sent. These charges are set by those banks and are outside Send's control.

How to see the fees charged when making a payment

Step 1: Start a new payment

  • Log in to your Send account.
  • Start a new payment and enter the amount you want to send, or the amount you want your recipient to receive.

[Suggested visual: add a screenshot of the payment amount entry screen.]

Step 2: Review the confirmation page

Before you confirm, the confirmation page shows you a clear breakdown, including the amount being sent, the exchange rate, the fees from Send and the total your recipient will receive. 

[Suggested visual: add a screenshot of the confirmation page highlighting the "Fees from Send" line.]

Step 3: Confirm and send

  • Check the details carefully.
  • If you're happy with the summary, confirm the transfer.
  • Once you confirm your payment or transfer, your exchange rate is guaranteed as long as you fund the transaction in time. For more detail, see Is my exchange rate locked in?

What happens next

  • Once you confirm, your transfer is processed and sent to your recipient.
  • Local payments typically arrive within 1-2 business days.
  • SWIFT payments may take longer, depending on the receiving country, the recipient's bank, and any intermediary banks involved.
  • For SWIFT payments, if an intermediary or receiving bank deducts its own charges, the final amount your recipient receives may be less than the amount sent. Send is unable to control or refund these third-party bank charges.
  • If anything looks unusual, contact our support team.

Common questions

What does the 'Fees from Send' line on my confirmation page mean?

  • This is a standard line that appears on every payment confirmation in your Send portal.
  • It is part of the cost summary you can review before confirming your transfer.
  • If you have questions about the figure shown for your specific transfer, please contact our support team.

My recipient received less than I sent. Why?

  • This usually happens with SWIFT payments where the receiving bank or an intermediary bank has deducted their own charges before the funds arrived.
  • These charges are set by those banks and are outside Send's control.
  • Contact our support team if you'd like help understanding what may have been deducted.

Are there any monthly or subscription fees for using my Send account?

  • There are no opening, monthly, ongoing or closing fees for your Send account.
  • See "Are there any fees for opening an account?" for more information about account fees.

Where can I find more details about the costs of using Send?

Important information

This information is general only and does not take your personal circumstances into account. Send Payments provides foreign exchange and remittance services only. Send Payments Limited holds an Australian Financial Services Licence (AFSL No. 509635). Our Financial Services Guide and Product Disclosure Statement are available on our website.

Once you confirm your payment or transfer, your exchange rate is guaranteed as long as you fund the transaction in time. For more detail, see Is my exchange rate locked in?

Contact us

Call Us

Phone: 1800 982 418
International: +61 7 5619 5700
Hours: 8:30am - 5:30pm AEST/AEDT, Monday - Friday

Email Us

info@sendpayments.com