Summary of OrbitRemit Review 2026
OrbitRemit is rated Excellent on Trustpilot (4.8/5 from over 34,000 reviews) and has won ProductReview.com.au Top Rated Money Transfer Services two years running (2025 and 2026) and WeMoney Best for Value 2025 and 2026 — making it one of Australia’s most consistently recognised money transfer services
Flat fees from $0 to $4, with fee-free transfers to India, Philippines mobile wallets, Vietnam, Nepal, Indonesia and the UK — and all transfers above AUD $10,000 fee-free regardless of destination
Over 85% of transfers to Asia-Pacific destinations arrive within 2 hours — with direct local payment rails to major corridors including UPI for India, GCash for the Philippines, and eSewa for Nepal
What is OrbitRemit?
OrbitRemit is an international money transfer service founded in 2008 in Wellington, New Zealand. It was built specifically for migrants in Australia and New Zealand sending money home to family across Asia-Pacific and the Pacific Islands — and today serves over 600,000 customers across more than 50 countries.
Unlike global remittance platforms that treat Asia-Pacific as one region among many, OrbitRemit was purpose-built for the corridors that matter most to communities in Australia and New Zealand: the Philippines, India, Nepal, Vietnam, Indonesia, Sri Lanka, Bangladesh, Pakistan, the Pacific Islands and the UK.
OrbitRemit is regulated by the Australian Securities and Investments Commission (ASIC) with AFSL 470646, registered with AUSTRAC, and supervised by the Department of Internal Affairs (DIA) in New Zealand (FSP7721). All client funds are held in segregated accounts separate from OrbitRemit’s own operating funds.
Awards and recognition
OrbitRemit has been independently recognised across multiple review platforms:
- Trustpilot Excellent: 4.8/5 from over 34,000 verified reviews — 85% of reviewers give 5 stars
- ProductReview.com.au Top Rated Money Transfer Services: 2025 and 2026 — awarded on real customer feedback; not sponsored
- WeMoney Best for Value: 2025 and 2026
- WeMoney Outstanding Customer Service: 2026
- 4.6 stars on ProductReview.com.au from thousands of Australian reviewers
These are independent awards determined by customer reviews and sentiment analysis — not paid for by OrbitRemit.
Fees
OrbitRemit uses a flat-fee model. The same fee applies whether you send AUD $100 or AUD $9,999 in the same corridor.
| Corridor | AUD fee | NZD fee |
|---|---|---|
| AUD to INR (India) | $0 fee-free | $4 |
| AUD to PHP mobile wallets (GCash, Maya etc.) | $0 fee-free | $4 |
| AUD to PHP bank deposit / cash pickup | $4 | $6 |
| AUD to VND (Vietnam) | $0 fee-free | $4 |
| AUD to NPR (Nepal) | $0 fee-free | $4 |
| AUD to IDR (Indonesia) | $4 | $4 |
| AUD to GBP (UK) | $0 fee-free | $0 fee-free |
| AUD to KRW (South Korea) | $0 fee-free | $0 fee-free |
| AUD to BDT (Bangladesh) | $0 fee-free | $0 fee-free |
| AUD to PKR (Pakistan) | $0 fee-free | $0 fee-free |
| AUD to CNY (China) | $0.99 | $0.99 |
| AUD to MYR (Malaysia) | $2 | $2 |
| AUD to FJD (Fiji) | $1 | $1 |
| AUD to WST (Samoa) | $2 | $2 |
| Most other corridors | $4 | $4 |
| All transfers above AUD/NZD $10,000 | Fee-free | Fee-free |
No exchange rate markup. OrbitRemit does not add a margin on top of the exchange rate. The rate shown when you start a transfer is the rate applied when you confirm — fixed at that moment.
Exchange rates
OrbitRemit locks the exchange rate when you confirm your transfer. This means:
- The rate you see is the rate your family receives — no last-minute changes
- No weekend surcharges (unlike some competitors who charge 1% extra on weekends)
- No fair usage caps or monthly exchange limits
Exchange rates update in real time based on currency markets. Always check the current rate in the app or on orbitremit.com before sending.
Transfer speed
Over 85% of OrbitRemit transfers to Asia-Pacific destinations arrive within 2 hours.
Speed depends on three things: your payment method, the corridor, and the delivery method:
Fastest: Debit card or PayID funding + UPI or GCash delivery — often under 30 minutes
Fast: Bank transfer funding + major Indian or Philippine bank — typically under 2 hours
Slower: Less common corridors or regional bank branches — may take 1-3 working days
Delivery methods by corridor:
- India: Bank transfer to all major banks + UPI to any UPI ID
- Philippines: GCash, Maya, Coins.ph, GrabPay, all major banks, cash pickup
- Nepal: eSewa, IME Pay, Khalti, all major banks, cash pickup
- Vietnam: Bank transfer, cash pickup
- Indonesia: Bank transfer to all major banks
- UK: Bank account and sort code (same-day settlement in many cases)
- Pacific Islands: Bank transfer and local mobile wallets (M-PAiSA, MyCash, Digicel)
Payment methods
You can fund your OrbitRemit transfer using:
- Bank transfer — most cost-effective; takes 30 minutes to a few hours to clear
- Debit card — fastest funding option; clears within minutes; Visa and Mastercard accepted
- Apple Pay / Google Pay — instant funding via linked debit card
- PayID (Australia) — near-instant, 24/7; fastest combination with UPI or GCash delivery
Credit card payments are not accepted. This is a regulatory requirement — credit cards cannot be used for money transfers in Australia.
Supported countries
OrbitRemit supports transfers from Australia and New Zealand to 50+ countries including:
Asia-Pacific: India, Philippines, Nepal, Bangladesh, Sri Lanka, Pakistan, Vietnam, Indonesia, Malaysia, Thailand, China, South Korea, Hong Kong, Singapore, Myanmar, Cambodia
Pacific Islands: Fiji, Samoa, Tonga, Papua New Guinea, Vanuatu, Solomon Islands, Kiribati, Tuvalu, Cook Islands
Europe: United Kingdom, Germany, France, Italy, Netherlands, Spain, Portugal, Poland, Denmark, Norway, Sweden
Americas: USA, Canada, Brazil, Colombia
Middle East and Africa: UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, South Africa, Egypt, Ghana, Botswana
How OrbitRemit compares
| Feature | OrbitRemit | Wise | Remitly | Banks |
|---|---|---|---|---|
| Fee model | Flat $0-$4 | Percentage (0.4-1.5%) | $0 fee + exchange rate margin | $0-$35 + 2.5-5% margin |
| Exchange rate markup | None | Near mid-market | Margin applies | Large margin |
| Weekend surcharge | None | None | None | None |
| Fee-free corridors | India, Nepal, Vietnam, Philippines wallets, UK, Korea | None | None | None |
| GCash delivery | ✅ | ❌ | ✅ | ❌ |
| UPI delivery | ✅ | ✅ | ✅ | ❌ |
| Pacific Island coverage | ✅ Comprehensive | Limited | Limited | ❌ |
| Multilingual support | Tagalog, Hindi, Nepali, Vietnamese, Mandarin, English | English primarily | English primarily | English |
| Trustpilot | Excellent 4.8/5 | Excellent 4.3/5 | Excellent 4.3/5 | Not applicable |
| Australia regulated | ASIC AFSL: 470646 | ASIC AFSL: 513764 | ASIC registered | APRA |
What customers say
OrbitRemit’s ProductReview.com.au and Trustpilot reviews consistently highlight:
Most praised:
- Transfer speed — many customers report transfers arriving within minutes for India and Philippines
- Low fees and competitive exchange rates versus banks
- Ease of use — app and web interface described as simple and reliable
- Customer service in multiple languages
Occasional criticisms:
- Compliance verification requests on larger or irregular transfers — standard regulatory requirement for all licensed providers
- Occasional processing delays on first-time or unusual transfers
Is OrbitRemit safe?
Yes. OrbitRemit is:
- ASIC regulated in Australia (AFSL: 470646) — required to meet all Australian financial services standards
- AUSTRAC registered — complies with Australia’s Anti-Money Laundering and Counter-Terrorism Financing Act
- DIA supervised in New Zealand (FSP7721)
- Segregated client funds — your money is kept in accounts separate from OrbitRemit’s own operations; it cannot be used to fund OrbitRemit’s business
OrbitRemit has been operating since 2008 — 17 years in the Australia-New Zealand remittance market without any major regulatory incidents.
How to get started
- Create a free account at orbitremit.com or download the app (App Store or Google Play)
- Verify your identity — one-time biometric verification; takes 2-3 minutes with your passport or driver’s licence
- Add your recipient — their bank account, GCash number, UPI ID or cash pickup details
- Enter your amount — the fee and exchange rate are shown upfront before you confirm
- Choose your payment method — debit card for fastest delivery; bank transfer for most cost-effective
Your first transfer: OrbitRemit occasionally runs new customer promotions — check orbitremit.com for current offers before your first transfer.
FAQ’s (frequently asked questions)
What is OrbitRemit?
OrbitRemit is an international money transfer service founded in 2008 in Wellington, New Zealand. It enables Australians and New Zealanders to send money to 50+ countries, with a focus on Asia-Pacific and Pacific Island corridors. It is regulated by ASIC in Australia (AFSL: 470646).
How much does OrbitRemit charge?
OrbitRemit charges a flat fee per transfer, ranging from $0 (fee-free on India, Philippines mobile wallets, Vietnam, Nepal, Indonesia from Australia, UK and others) to AUD $4 on most other corridors. All transfers above AUD $10,000 are fee-free.
How fast is OrbitRemit?
Over 85% of transfers to Asia-Pacific destinations arrive within 2 hours. Debit card or PayID funding to UPI or GCash typically arrives in under 30 minutes.
Is OrbitRemit better than Wise?
It depends on your corridor and amount. OrbitRemit is generally cheaper for Asia-Pacific corridors (India, Philippines, Nepal, Vietnam) due to fee-free transfers and no exchange rate markup. Wise is stronger for European and North American corridors. OrbitRemit also supports GCash, Pacific Island mobile wallets and cash pickup — Wise does not.
Is OrbitRemit safe?
Yes. OrbitRemit is ASIC-regulated, AUSTRAC-registered, and DIA-supervised in New Zealand. Client funds are held in segregated accounts. It has been operating since 2008 with over 600,000 customers and 34,000+ Trustpilot reviews.
What countries does OrbitRemit support?
OrbitRemit supports 50+ countries from Australia and New Zealand, with a particular focus on India, Philippines, Nepal, Vietnam, Indonesia, Sri Lanka, Bangladesh, Pakistan, Malaysia, Thailand, China, South Korea, UK, Canada, Fiji, Samoa and Tonga.
Fees, exchange rates and product features are subject to change. Always verify current rates at orbitremit.com before transferring. Last updated July 2026.
