Repatriate funds to Australia
Sending money home after living, working or investing overseas? We’ll help you transfer money back to Australia from overseas securely and get more from your transfers.
Sending money home
Whether you’ve sold a foreign property, received an inheritance or are returning home after time overseas, TorFX can help you save money when repatriating your funds.
Banks tend to offer poor exchange rates and charge high fees when handling international transfers. We offer a smarter way to send money home, with competitive rates, no transfer fees, and swift, secure payments.
You’ll also get expert support from a dedicated account manager, who’ll help you navigate currency movements, understand your options, and secure a strong exchange rate.
Why you might need to repatriate funds
Whatever you reason for bringing money home, we offer tailored guidance and expert support to help you transfer in the way that’s right for you.
Selling property
If you’ve sold a property overseas, you’ll likely need to repatriate the proceeds. Timing your transfer well can help you make the most of your money, especially when exchange rates are fluctuating.
Foreign investments
Whether it’s steady income or a one-off windfall, currency volatility can significantly affect overseas investment returns. A smart FX strategy helps lock in value and protect your profits.
Inheritance
Receiving an inheritance from another country? You may need to repatriate a large amount in one go. Managing exchange rate risk can help preserve the value of your legacy.
Why use TorFX for repatriation of funds?
At TorFX, we offer expert guidance, competitive exchange rates and a range of tools to help you plan ahead and protect your transfers from market volatility.
Multi-award-winning
Canstar 5-Star Rating 2018 to 2025
Excellent Trustpilot score
500,000+ happy customers
$20bn transferred annually
600,000 payments per year
40+ currencies
Transfers to 120+ countries
Save time and money on your transfers
Whether you’re repatriating a lump sum from a property sale or arranging regular payments from overseas income, our job is to help you get a strong exchange rate and simplify your transfers.
With us you’ll get:
Excellent exchange rates
Zero transfer fees
Market insights and updates
Specialist transfer tools
Enjoy outstanding customer support
We pair our great rates with best-in-class customer service. We’re here to provide guidance and support whenever you need it.
You’ll benefit from:
A dedicated account manager
Round-the-clock customer service
Expert support and guidance
An easy-to-use online account
How to transfer money back to Australia
Create an account
Open an account in minutes online or over the phone.
Get your rate
Secure an exchange rate online or with your account manager.
Make a transfer
Send us the funds to exchange and we’ll do the rest.
Why timing your repatriation matters
Exchange rates are always moving, and the timing of your transfer can have a big impact on how much you receive – especially when moving large lump sums.
For example, if you were repatriating US$500,000 to Australia and the USD/AUD rate dropped by just five cents, you’d end up with AU$25,000 less.
That’s why it pays to plan ahead. With expert support, market insights, and specialist transfer tools, we can help you time your transfer and make the most of your money.
See why customers choose us for their repatriation payments
Case study
Efficient, helpful and reliable
"TorFX are efficient and reliable. I was supported well during the transfer of money from Canada. Always there to help and always giving good security tips. I would highly recommend to anyone."
Carol
How we keep your funds safe
TorFX holds an Australian Financial Services Licence and a New Zealand Financial Services Licence. This means we’re required to keep your money in secure, segregated accounts, separate from our business funds.
We follow strict safeguarding procedures, work only with trusted banking partners, and hold the highest level of creditworthiness with Dun & Bradstreet. As part of a global group handling billions in transfers each year, we maintain the highest standards – so you can move your money with confidence.
Other currency transfer services
Large transfers
Security and strong exchange rates are vital for large transfers. We’ll keep your transfer secure and get you a great rate.
Emigration
Whether you're transferring wages, pensions or savings, we’ll make your move overseas simpler and more secure.
Property purchases
Buying overseas property is a big step. Let us simplify the transfer side of things and save you money.
Frequently asked questions about repatriation of funds
Repatriating funds simply means transferring money from one country back to your home country. For example, bringing back proceeds from selling a property overseas or receiving an inheritance.
We support transfers from 120+ countries and in 40+ currencies. Your account manager can confirm what’s possible based on your specific situation and destination.
If you're moving a significant amount, timing is key. We can help you target a strong exchange rate, use tools like forward contracts to lock it in, and avoid unnecessary fees.
Most transfers are completed within 1-2 working days, depending on the currency and destination. We prioritise speed, security and transparency throughout.
Not necessarily. TorFX is licensed by the Australian Securities and Investments Commission (ASIC) and the Financial Markets Authority (FMA) in New Zealand. We meet the same rigorous standards as banks, but we typically offer better exchange rates and zero transfer fees.
There’s no upper limit to how much you can transfer with us. For larger sums, we’ll work closely with you to ensure everything runs smoothly and in line with any local regulations.
Your bank may have its own daily transfer limits in place. If so, speak to them and see if they can lift the limit.
Absolutely. We can help you decide the best way to make regular overseas transfers, whether that's with the support of your account manager or via your online account or the TorFX app.
This depends on your home country’s tax laws and the source of the funds. We don’t offer tax advice, so it’s best to speak to a qualified tax adviser if you're unsure.
Yes – opening an account is free and carries no obligation to trade. It’s a great way to get set up and be ready to move quickly when the time comes.