What are your exchange rates?

SendFX Limited provides foreign exchange and remittance services only. The information in this article is general in nature and does not take your personal circumstances into account. Before you make a decision, please read our Financial Services Guide (FSG) and Product Disclosure Statement (PDS), or seek your own professional advice if you are unsure.

SendFX Limited is an independent money remitter and holds an Australian Financial Services Licence No 509635.

Send's exchange rates

Access highly competitive exchange rates so you get the most value from every payment.

Rates are indicative and subject to market movement. Your exchange rate is guaranteed as long as you fund the payment or wallet transfer in time. When you confirm your payment or transfer, your exchange rate is locked in and your trade is booked at that rate. By confirming, you're agreeing to fund the payment by the deadline shown in your email confirmation.

If your payment isn't funded in time, we may need to cancel the payment. Because your rate was already locked in, cancelling can result in a cost, and you'll need to rebook your payment at the current rate. If you need help understanding how this applies to your payment, contact our support team.

Before you start

You need an active Send account.
You need to be logged in. We don't show exchange rates publicly.
For details on opening an account, see Who can open an account with Send? and What do I need to open an account? These articles are general information only and don't take your personal circumstances into account. Please review our FSG and PDS before making a decision.

Howe to check exchange rates

Step 1: Log in to your Send account

Open the Send portal and log in with your email and password.
Complete the two-factor verification if using your authenticator app.

Suggested visual: add a screenshot of the Send login screen.

Step 2: View the live rate on your dashboard

Once logged in, your dashboard shows a live exchange rate.
Choose the currency you're sending from and the currency you're sending to.
Enter either the amount you want to send or the amount you want your recipient to receive.
The rate is held for around 2.5 minutes before it refreshes. You don't need to rush. If the timer runs out, a pop-up appears letting you know the rate has updated.
The countdown timer at the top of the screen shows the time left.

Suggested visual: add a screenshot of the dashboard rate panel.

Step 3: Confirm before your quote expires

Select Next to proceed to the next step of your transfer.
Review your details and Confirm before the timer runs out.
Once you select Confirm, the rate is locked and guaranteed for your transfer.
If your wallet hasn't been funded yet, please add funds as soon as possible. Once funded, there’s usually nothing further required from you. In rare cases where we require more information about your payment, we'll reach out to you.

What happens next

Once you select Confirm on the Confirm screen, the rate is locked for your payment or transfer.
Your exchange rate is guaranteed as long as you fund the payment in time. When you confirm your payment, your exchange rate is locked in and your trade is booked at that rate. By confirming, you're agreeing to fund the payment by the deadline shown in your email confirmation.
If your payment isn't funded in time, we may need to cancel the payment. Because your rate was already locked in, cancelling can result in a cost, and you'll need to rebook your payment at the current rate.
If you need help understanding how this applies to your payment, contact our support team.

Common questions

Why has the rate changed since I last looked?

Exchange rates move all the time as the global market changes.
Rates shown on your dashboard are live and subject to market movement.
To lock in a rate, select Confirm on the Confirm screen.

Why is my Send rate different from Google or XE?

Rates on sites like Google or XE usually show the wholesale "mid-market" rate, which isn't a rate you can actually transact at.
Send's rate is the rate offered to you for a real transfer. Like all live FX rates, it is indicative and subject to market movement.

My quote expired before I could confirm

Quotes are held for around 2.5 minutes because rates move with the market.
You don't need to rush. If the timer runs out, a pop-up appears letting you know the rate has updated.
Select Accept updated rate to continue with the new rate.
Your transfer details (currencies and amounts) are saved, you just get a fresh rate.

I can't see a rate on my dashboard

Make sure you're logged in. We don't show rates before login.
Check your internet connection and refresh the page.
Make sure your Send account is active by reviewing any alerts on the dashboard.
If the rate still doesn't appear, contact our support team.

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