Help and Frequently Asked Questions

If you have any questions on how to send money to the Pacific Islands, or the way that information is displayed on this site, you will find the answers in this section.

If for any reason you don't find the answer you require please contact us at and we will try to provide the information.

These questions and answers apply specifically to Australia and New Zealand. Whilst they will generally apply to most of the Pacific countries there may be some local differences that you should take into account.

Exchange rates

What is an exchange rate?

An exchange rate is a calculation used by the company transferring the money to convert the national currency into the currency that the person you are sending to collects the money in. Normally, when calculating the exchange rate an organisation adds a “margin” - often called a "currency conversion fee". This results in them making additional money from your transaction and is normal practice in the money transfer and banking industry. As this is often a hidden charge you are advised to compare the rates offered by different organisations.

Is it guaranteed?

You should ask your money transfer organisation if the exchange rate is guaranteed. If it is, it means that you will know the exact amount that the person you are sending money to will receive. Not all companies guarantee the exchange rate so you should check these to ensure that you get the best deal for you.