Before you start
- Have a think about whose money you'll be sending - your own, or money that belongs to a registered business.
- If you're signing up for a business, we recommend using your business email address.
- For full eligibility details, see Who can open an account with Send?
Step 1: Choose between Personal and Business
Send offers two account types:
- Personal account - for individuals managing their own money.
- Business account - for registered organisations and self-employed people trading under a business.
Choose Personal if...
A Personal Account could be right for your if:
- You're sending or receiving money in your own name.
- You're paying overseas family or friends.
- You're buying property, paying tuition, or making a personal purchase abroad.
- You're moving your own money between your own accounts in different countries.
Choose Business if...
A Business Account could be right for your if
- You run a registered company (for example, a Pty Ltd).
- You're a sole trader trading under a business name or ABN.
- You operate as a partnership.
- You manage payments for a trust.
Step 2: Sign up with the right details
- For a Personal account, sign up using your own personal details and email.
- For a Business account, we recommend signing up with your business email address so account communication stays separate from your personal inbox.
- You'll need to verify your identity, and your business details if you're opening a Business account. See What do I need to open an account?
What happens next
- Once you choose an account type, we'll guide you through identity verification step by step.
- We may ask for more information if it's needed to complete your application.
- If we need anything extra from you, we'll let you know by email.
- You can start using Send once your account is approved.
Common questions
I'm a sole trader. Should I open a Personal or Business account?
If you are trading under an ABN or business name, then you should open a Business account, even if you are the only person in the business.
I have both personal and business needs. Can I use one account for both?
No. You'll need to open a separate account for each. Personal money and business money must be kept separate. We recommend using your business email to sign up for the Business account so the two stay clearly apart.
I run a trust or partnership. Which account do I open?
A Business account. Trusts and partnerships are treated as business structures on Send.
I picked the wrong account type. What now?
Please contact our support team. They'll help you work out the next step.
Are there different fees for Personal and Business accounts?
For details on what fees apply, see Are there any fees for opening an account?
Related articles
- Who can open an account with Send?
- Can I open an account for someone else?
- What do I need to open an account?
- Are there any fees for opening an account?
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