We've reviewed every major way to send, receive, and spend money in Australia.
Twenty payment methods, tested and rated against fees, speed, AUD support, and regulatory standing. No affiliate rankings. Where a product isn't worth your time, we say so.
20 of 20 methods
Compare side by side →PayID
Send money to a phone number or email, settled in seconds between AU banks.
Osko
The real-time NPP service behind most instant transfers, 24/7.
BPAY
Pay bills with a biller code and reference. Same-day and free at most banks.
PayTo
Real-time, revocable mandates replacing direct debit on the NPP.
Beem
AU-owned P2P app on the eftpos rails for splitting and sending small amounts.
PayPal
AU-to-AU transfers are free; its real cost is the FX margin on conversion.
Wise
Honest mid-market FX and balances in 50+ currencies, including AUD.
Revolut
A multi-currency wallet and card with a consumer-app feel; free tier covers most use.
Skrill
A Paysafe wallet popular with traders needing a EUR or USD balance.
Neteller
Paysafe’s other wallet, with a Net+ prepaid Mastercard to spend the balance.
Payz
Tiered accounts (ex-ecoPayz) used for cross-border e-commerce.
eZeeWallet
Newer, lighter and AUD-native out of the box, with a simpler fee structure.
MuchBetter
A mobile-first wallet built around specific merchant relationships.
AstroPay
Prepaid vouchers and a wallet for topping up where cards aren’t taken.
Jeton
An online wallet for specific platforms; withdrawal fees apply.
MiFinity
A tiered-fee wallet used where merchants don’t take AU-issued cards.
Neosurf
A prepaid voucher you buy and spend; AU vouchers are issued in AUD.
Apple Pay
Tap to pay on iPhone and Watch; your card number never reaches the merchant.
Google Wallet
Android tap-to-pay, plus myki and Opal transit cards in the wallet.
Samsung Pay
Samsung’s tap-to-pay, limited to eligible Galaxy devices.
How we choose what to recommend
We rate every method on the things that actually affect you: what it costs, how fast money moves, whether it holds and pays in Australian dollars, and who regulates it. We confirm registration status directly against AUSTRAC and ASIC records — not the provider's marketing.
We take no commission on sign-ups. That's why some of these reviews end with a recommendation to use something else.
Read our editorial standards →