Both OrbitRemit and Bless Payments are Australian-based money transfer services targeting migrants who want to send money home without paying high fees. OrbitRemit has been operating since 2008 with over 500,000 customers; Bless Payments is a newer entrant, founded in Sydney in 2022, built around a mobile-first experience and a Visa travel card. This guide compares the two across fees, speed, countries supported and features to help you decide which suits your needs.
Quick comparison
| OrbitRemit | Bless Payments | |
|---|---|---|
| Founded | 2008 | 2022 |
| Regulated (AU) | ASIC AFSL: 470646 | AUSTRAC registered |
| Regulated (NZ) | DIA FSP7721 | Not available from NZ |
| Countries supported | 50+ | 24+ confirmed |
| Fee model | Flat fee per transfer | Flat fee per transfer |
| AUD to INR fee | $0 (fee-free) | Not confirmed |
| AUD to PHP fee | $0 mobile wallets | Not confirmed |
| Trustpilot | Rated Excellent (34,000+ reviews) | Not yet rated (54 reviews) |
| Bless Card | Not available | Available (Australia only) |
| Send from NZ | Yes | No |
Fees are indicative. Check live rates before transferring.
About OrbitRemit
OrbitRemit was founded in Wellington, New Zealand in 2008 and has grown to serve over 500,000 customers across Australia and New Zealand. It supports transfers to 50+ countries with a flat-fee model and no exchange rate markup.
Regulated by ASIC in Australia (AFSL: 470646) and supervised by the DIA in New Zealand (FSP7721), OrbitRemit is one of the most established specialist money transfer services in the region. Several corridors are fee-free from Australia including AUD to INR (India), AUD to PHP mobile wallets (GCash, Maya), AUD to VND (Vietnam), AUD to NPR (Nepal) and AUD to GBP (UK). Rated Excellent on Trustpilot from over 34,000 reviews.
About Bless Payments
Bless Payments was founded in Sydney in 2022 by Affy Bhatti and Mohamed Zaatar. It raised $2.46 million in seed funding in July 2025 and has 18 employees as of mid-2026. The company describes itself as “built by migrants, for migrants” and targets the Australian migrant community with a mobile app, low fees and a Visa travel card.
Bless Payments is registered with AUSTRAC for AML/CTF compliance and operates from Australia only (no NZ service). It supports transfers to over 24 confirmed countries including India, Philippines, Nepal, Bangladesh, Vietnam, Sri Lanka, Pakistan, Indonesia, Egypt, Ghana, Kenya, Nigeria and more.
The Bless Card: A notable differentiator is the Bless Card, a Visa debit card for Australian users that offers no international transaction fees and free ATM withdrawals worldwide. This positions Bless as both a money transfer app and a travel card solution.
Fees and exchange rates
Bless Payments does not publish a transparent fee schedule on its website at time of writing. Reviews on Trustpilot describe fees as “low” and “competitive” but specific AUD-to-corridor figures are not confirmed. Always check the Bless Payments app directly for a live quote before transferring.
OrbitRemit publishes its fee schedule transparently:
| Corridor | OrbitRemit AUD fee | Bless Payments AUD fee |
|---|---|---|
| AUD to INR (India) | $0 fee-free | Not publicly confirmed |
| AUD to PHP (GCash/wallets) | $0 fee-free | Not publicly confirmed |
| AUD to VND (Vietnam) | $0 fee-free | Not publicly confirmed |
| AUD to NPR (Nepal) | $0 fee-free | Not publicly confirmed |
| AUD to BDT (Bangladesh) | $0 fee-free | Not publicly confirmed |
| AUD to IDR (Indonesia) | $4 flat fee | Not publicly confirmed |
| AUD to LKR (Sri Lanka) | $4 flat fee | Not publicly confirmed |
| All transfers above AUD $10,000 | Fee-free | Not confirmed |
Fees are indicative and subject to change. Always verify current rates at orbitremit.com and blesspayments.com.au before transferring.
Delivery options
OrbitRemit supports bank transfers, mobile wallet delivery (GCash, Maya, UPI, eSewa, bKash, MyCash and others) and cash pickup on selected corridors. Delivery options vary by corridor.
Bless Payments supports bank transfers and mobile wallet delivery. The app confirms support for mobile wallets in several corridors. Cash pickup availability is not confirmed.
Transfer speed
OrbitRemit: Over 85% of transfers to Asia-Pacific destinations arrive within 2 hours. Speed varies by corridor and payment method.
Bless Payments: Reviews on Trustpilot describe transfers arriving within “10 minutes” and “a few hours” for mobile wallet deliveries. Specific corridor speed data is not published officially. Times may vary.
Countries supported
OrbitRemit: 50+ countries across Asia-Pacific, Pacific Islands, Europe, the Americas and Africa. Sends from both Australia and New Zealand.
Bless Payments: 24+ confirmed countries from Australia including India, Philippines, Nepal, Bangladesh, Vietnam, Sri Lanka, Pakistan, Indonesia, Egypt, Ghana, Kenya, Nigeria, Malaysia, South Africa, South Korea, Thailand, Turkey, Jordan, Morocco, Ethiopia, Cambodia, Zimbabwe and South Sudan. No New Zealand service.
Sending from New Zealand
OrbitRemit supports transfers from both Australia (AUD) and New Zealand (NZD) across all corridors.
Bless Payments currently only supports sending from Australia. If you are based in New Zealand, Bless Payments is not available to you.
Customer reviews
OrbitRemit: Rated Excellent on Trustpilot from over 34,000 reviews. Also holds ProductReview.com.au Top Rated badge for 2025 and 2026, and WeMoney Best for Value 2025 and 2026.
Bless Payments: 54 reviews on Trustpilot at time of writing, with consistently positive feedback focused on customer service, fast transfers and competitive rates. Given the small review count, the full picture of customer experience across high-volume use is still developing.
Which is right for you?
OrbitRemit suits you if:
- You send to India, Philippines, Vietnam, Nepal or the UK and want a fee-free transfer
- You send from New Zealand as well as Australia
- You want a long-established provider with over 500,000 customers and 34,000+ Trustpilot reviews
- You need to send to 50+ countries across multiple regions
- You value transparent, publicly listed fees
Bless Payments suits you if:
- You want a mobile-first experience with strong customer service
- You are interested in the Bless Card as a combined travel and transfer solution
- You send to corridors not covered by OrbitRemit (such as Egypt, Ethiopia, South Sudan or Jordan)
FAQs (frequently asked questions)
Is Bless Payments safe to use?
Bless Payments is registered with AUSTRAC, Australia’s financial intelligence and AML/CTF regulator, which is a legal requirement for all money transfer providers operating in Australia.
Is OrbitRemit cheaper than Bless Payments?
For major Asia-Pacific corridors like AUD to INR, PHP, VND and NPR, OrbitRemit charges $0 — making it fee-free. Bless Payments does not publish specific fees publicly, so a direct comparison requires checking live quotes in their app. Always compare the total cost including any exchange rate margin, not just the transfer fee.
Can I use Bless Payments from New Zealand?
No. Bless Payments currently only supports sending from Australia. OrbitRemit supports transfers from both Australia and New Zealand.
What is the Bless Card?
The Bless Card is a Visa debit card offered by Bless Payments to Australian users. It has no international transaction fees and offers free ATM withdrawals worldwide — making it a combined travel card and money transfer solution. OrbitRemit does not offer a travel card.
How long do transfers take with OrbitRemit vs Bless Payments?
OrbitRemit confirms over 85% of Asia-Pacific transfers arrive within 2 hours. Bless Payments customer reviews describe transfers arriving within minutes to a few hours for mobile wallet deliveries. Both are significantly faster than traditional bank international transfers.
Ready to send?
OrbitRemit offers fee-free transfers to India, Philippines, Vietnam, Nepal, Bangladesh, UK and more from Australia and New Zealand, with rates locked at confirmation, no hidden margin and over 34,000 Trustpilot reviews.
Fees, exchange rates and product features are subject to change. Always check current rates at orbitremit.com and blesspayments.com.au before transferring. Information about Bless Payments is based on publicly available sources as of August 2026. Last updated August 2026.
Sources: Bless Payments — blesspayments.com.au | Bless Payments Google Play listing (play.google.com, August 2026) | Bless Payments Trustpilot (trustpilot.com/review/blesspayments.com.au) | Tradersunion.com — Bless Payments review (June 2026) | Tracxn — Bless Payments company profile (June 2026)
