Fees for receiving money
Send does not charge a fee to receive money into your wallet. However, other banks in the process (the sender's bank or intermediary banks on international payments) may charge their own fees, which can reduce the amount you receive.
Important: Send only accepts payments into your wallet from your own bank accounts (or your business's, for business accounts). Payments from another person or business on your behalf - including from family, friends, employers, or companies issuing refunds - will be flagged and may be delayed or returned.
Before you start
- Make sure you have a Send wallet in the currency you want to receive. For the full list, see Which currencies does Send support?
- Have the pay-in details for that wallet ready.
- The payment must come from a bank account in your own name (or your business's name). Pay-ins from anyone else will be flagged and may be delayed or returned.
How to know what fees are charged for receiving money
Step 1: Know what Send charges
Send does not charge a fee for money being added to your wallet. This applies to all currencies Send supports, whether the money arrives as a local payment or through the international SWIFT network. Receiving pay-ins remains subject to Send's compliance checks.
Step 2: Be aware of fees other banks may charge
If a payment is accepted, the amount credited to your wallet can still be less than what the sender originally paid. This may happen because of fees charged by other banks in the chain:
The sender's bank may charge a fee
The bank the money is being sent from may charge their own customer (the sender) a fee to make the transfer. This fee is set by the sender's bank, not by Send.
Intermediary banks may deduct a fee on SWIFT pay-ins
For international pay-ins sent through SWIFT, the money can pass through one or more intermediary banks (sometimes called "correspondent banks") before reaching your wallet. These banks may deduct their own fees from the payment as it moves through the chain. The exact amount cannot be predicted in advance, and Send does not receive any part of these fees.
For more detail on intermediary fees, see Why was I charged extra?
Step 3: Be aware of what may delay a pay-in
A pay-in may be flagged for review by Send. As a result, it may be:
- delayed while we carry out checks,
- returned to the sender
This is more likely if the sender's name does not match the name on your verified Send account, the payment involves a third party, or the arrangement is unusual. If a payment is returned, the sender's bank or any intermediary banks may still charge fees on the return.
Step 4: Make sure you use the right details for the currency
If you send a different currency to your wallet's currency (for example, sending USD to an AUD wallet), the payment will be returned. When this happens:
- The money may take longer to come back to the sender.
- The sender's bank, or any intermediary banks, may still charge fees on the return.
- The amount returned to the sender may be less than what they originally paid.
If you need to receive a different currency, open a Send wallet in that currency first.
What happens next
- When a payment reaches Send, it is subject to our compliance checks.
- Depending on the outcome of those checks, the pay-in may be credited to your wallet, delayed or returned to the sender.
- If the pay-in is credited, the amount in your wallet may be less than what was sent if other banks have deducted fees along the way.
- You can see the credited amount and reference details in your wallet's transaction list.
- If something doesn't look right, or if a payment hasn't arrived, contact our support team with the wallet name and the date of the payment.
Common questions
Does Send charge me a fee to receive money?
No. Send does not charge a fee to receive money into your wallet. Any difference may be due to fees deducted by other banks. Note that receiving a pay-in is still subject to Send's compliance checks.
I received less than what I sent - why?
If the payment was accepted, the most likely reasons are fees deducted by intermediary banks on SWIFT payments, or a fee charged to the sender by their own bank. None of these fees are charged by Send. For more detail, see Why was I charged extra? If you're not sure what happened, contact our support team with your wallet name and the date of the payment.
Why did the sender's bank charge them a fee for sending money to my Send wallet?
The sender's bank sets its own fees for outgoing transfers. That fee is between the sender and their bank, and is not a Send fee.
The sender used the wrong currency. What happens?
The payment will be returned to the sender. The return can take time, and intermediary or sender's banks may charge fees along the way. To avoid this, always share the pay-in details that match the wallet's currency.
Can I receive money in any currency?
You may be able to receive money in any currency Send supports, by opening a wallet in that currency and sharing that wallet's pay-in details with the sender. For the full list of supported currencies, see Which currencies does Send support? For business-related receiving questions, see Can we receive funds from international clients?
The sender's name is different to mine. Will the payment still come through?
Send only accepts payments from a bank account held in your own name (or your business's name). Pay-ins from third parties will be flagged and may be delayed or returned. See Adding money into your account or wallet.
Contact us
Call Us
Phone: 1800 982 418
International: +61 7 5619 5700
Hours: 8:30am - 5:30pm AEST/AEDT, Monday - Friday