Foreign exchange tools to keep you moving forward

No matter what your needs are, we can help. Our solutions will have you covered whether you need to make a one off payment, set up regular transfers or just want to protect a rate for a future transaction. Learn more about how we can help below.


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+64 7 839 6114 (New Zealand)

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Fast payments at great FX rates, online or over the phone

WorldFirst provides you with flexibility and control to manage international payments.

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Spot contracts

If you need to make an international payment straight away (or with very little notice) then a spot contract could be the one for you. We would offer you a rate based on the live exchange rate on the day and you can make a payment there and then. They're great if you just need to get it done. And we'll make sure you get the best rate possible, we've even got a best rate guarantee!

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Forward contracts

If you want to lock in a rate but aren’t ready to make a transfer - fix it up to two years in advance. The great thing about this is that you'll know exactly how much you'll get when you're ready to transfer.

You might need to pay an initial deposit, then the balance will be due at the end of the contract.  If the rates move against you, you may need to top up the deposit. Your currency specialist will explain and discuss this with you before you book your forward.

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Firm orders

If you know the rate you want or know the rate you definitely don't want but don't have time to keep tabs on what's going on, just tell us. If the rate gets to where you want it - we'll take action and book it for you. And if it gets to where you don't want it - we'll do the same again. We'll strike while the iron's hot to make sure that you get the best deal possible or protect yourself if the markets move against you.

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Regular payments

Automate your regular international payments. You can set up a plan with us so that when we receive your money, we'll convert it quickly, reliably and securely. That way, your payments get to your bank account minus the hassle. And you can choose if you want it converted at the rate on the day, or you can lock in a rate, making budgeting a whole lot easier.

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Easy bulk payments

If you know the rate you want or know the rate you definitely don't want but don't have time to keep tabs on what's going on, just tell us. If the rate gets to where you want it - we'll take action and book it for you. And if it gets to where you don't want it - we'll do the same again. We'll strike while the iron's hot to make sure that you get the best deal possible or protect yourself if the markets move against you.

World First Pty Ltd is a designated remittance provider with the Australian Transaction Reports and Analysis Centre (AUSTRAC), remittance sector registration number: IND100192523-001. Regulated by the Australian Securities and Investments Commission (ASIC), Australian Financial Services Licence (AFSL) number 331945. Australian Company Number (ACN) 132 368 971. Member of the Australian Financial Complaints Authority, membership number 13405.

If you’re considering making a foreign exchange transaction, or you’re a new or existing customer looking for more information, it’s important your read our PDS available online.

*0.50% or less applies to 25 of our major and most popular currencies.

Price match applies if it doesn't result in a loss for us, we'll match it.

Many banks and payment providers frequently claim to offer “fair” and “transparent” pricing, yet the reality is something very different. Our new pricing model aims to provide both new and existing customers with fair, simple and transparent pricing, using 3 clear FX margin bands margins (0.5%, 0.25% and 0.15%) with no hidden fees. With transparent pricing our customers and potential customers can clearly compare WorldFirst to our competitors.

How do we collect this data?

WorldFirst obtain price comparisons from other international payment providers’ websites, at specific dates and time using a third-party supplier. The comparison table shows the spread applied by the competition to transfer amounts of AUD 1,000, 10,000 and 50,000 into EUR, USD and GBP.

1. The spread

The spread is the percentage difference between the exchange rate we buy our currency at and the rate at which we sell it to our customers. We at WorldFirst take a smaller spread than most banks and other currency companies, and pass this benefit on to our clients, making all our transfers simpler and more transparent.

2. The cost of international payments

For each pricing band we look at the FX spread applied. This is what we use to compare against our fixed bands of (0.50%, 0.25% and 0.15%).

When researching and making comparisons it is important to know if any additional transaction charges will be applied such as payment fees or account management fees. For most customers WorldFirst does not apply additional fees to make payments or to maintain an account with us. If any fees are applicable these will be made clear to you in advance.

3. How do we work out a comparison up to 8 times cheaper than the banks

When we collect data from providers, we do it using different “amounts” such as $1,000, $10,000 and $50,000 where possible. For our data we have focused on the top currency pairs in Australia: GBP to USD/EUR/AUD.

Because the WorldFirst fixed pricing tiers are based on annual volumes transacted by our customers, we have averaged out the spreads applied by competitors to transactions of differing amounts in those tiers to calculate an average spread. We take our spreads and divide by the average spreads of the big 4 banks. This is important, because providers tend to offer better exchange rates and smaller transfer fees when a customer is moving larger sums of money.

What all this means for you

Other money-transfer providers may have variable spreads across different currencies, whilst WorldFirst now has fixed spreads, agreed ahead of time, making it easier to compare.