Summary of OrbitRemit vs MoneyGram
Both OrbitRemit and MoneyGram support international money transfers from Australia — OrbitRemit charges no fee on major Asia-Pacific corridors with no exchange rate markup; MoneyGram charges a stated fee of $0-$12 online plus an exchange rate markup of approximately 1-3%, with 440,000+ cash agent locations globally
MoneyGram’s physical agent network covers 200+ countries and territories — for recipients who need cash in hand or live in areas without bank access, MoneyGram’s reach is one of its key strengths; it also offers a loyalty programme (MoneyGram Plus Rewards) for regular senders
OrbitRemit delivers directly to bank accounts and mobile wallets — over 85% of Asia-Pacific transfers arrive within 2 hours; suited to senders whose recipients have a bank account or mobile wallet in a supported country
Both OrbitRemit and MoneyGram are regulated providers offering international money transfers from Australia. This guide compares them on fees, exchange rates, speed and delivery options so you can choose the right provider for your needs.
At a glance
| OrbitRemit | MoneyGram | |
|---|---|---|
| AUD to INR fee | AUD $0 | $0-$10 online (+ FX markup) |
| AUD to PHP fee | AUD $0 (mobile wallets) / AUD $4 (bank/cash) | ~$3.99-$7 online (+ FX markup) |
| AUD to VND fee | AUD $0 | $0-$10 (+ FX markup) |
| AUD to NPR fee | AUD $0 | $5-$15 (+ FX markup) |
| Exchange rate markup | 0% | ~1-3% (avg ~1.33%) |
| Speed (bank deposit) | 85%+ within 2 hours | 0-2 business days |
| Cash pickup | Available in select countries | 440,000+ locations globally |
| Mobile wallet delivery | GCash, eSewa and others | GCash, bKash and others |
| Countries supported | 50+ | 200+ |
| Loyalty programme | — | MoneyGram Plus Rewards |
| Trustpilot | 4.8/5 (34,000+ reviews) | 4.3/5 |
| Regulated in Australia | ASIC AFSL 470646 | AUSTRAC registered |
Fees and exchange rates vary by corridor, amount and payment method — always check current rates at orbitremit.com and moneygram.com before sending.
Fees and exchange rates
OrbitRemit
OrbitRemit charges a flat fee on each corridor — no exchange rate markup:
| Corridor (from Australia) | Fee |
|---|---|
| AUD to INR (India) | AUD $0 — fee-free |
| AUD to PHP (GCash/mobile wallets) | AUD $0 — fee-free |
| AUD to PHP (bank deposit/cash pickup) | AUD $4 flat |
| AUD to VND (Vietnam) | AUD $0 — fee-free |
| AUD to NPR (Nepal) | AUD $0 — fee-free |
| AUD to BDT (Bangladesh) | AUD $0 — fee-free |
| AUD to KRW (South Korea) | AUD $0 — fee-free |
| AUD to IDR (Indonesia) | AUD $4 flat |
| AUD to FJD (Fiji) | AUD $1 flat |
| AUD to WST (Samoa) | AUD $2 flat |
| All transfers AUD $10,000+ | Fee-free |
MoneyGram
MoneyGram’s pricing has two components:
1. The stated transfer fee: The fee shown upfront before you confirm. Online to a bank account, this is often $0-$12. Paying by debit card is typically cheaper than paying by credit card or cash at an agent. MoneyGram often waives the fee for first-time customers.
2. The exchange rate markup: The difference between the mid-market rate and the rate MoneyGram applies — approximately 1-3% (averaging around 1.33%). This is embedded in the quoted rate rather than shown as a separate line item.
MoneyGram discloses the full cost — fee, exchange rate and delivery time — before you confirm, in line with Australian financial services regulations. Always check the total receive amount in the destination currency.
MoneyGram Plus Rewards offers fee discounts for regular senders — the discount increases with each qualifying transfer.
Speed
OrbitRemit: Over 85% of Asia-Pacific transfers arrive within 2 hours directly to bank accounts and mobile wallets.
Delivery times are estimates only and may vary depending on your bank, the receiving bank or wallet, payment method, and weekends or public holidays.
MoneyGram:
- Bank deposit: typically 0-2 business days
- Cash pickup: typically within minutes to hours at agent locations
Delivery options
OrbitRemit: Bank accounts and mobile wallets (GCash, eSewa and others). Cash pickup available in select countries.
MoneyGram: Bank accounts, mobile wallets and cash pickup at 440,000+ agent locations globally — including rural and remote areas. Particularly strong coverage in the Philippines, India and West Africa.
Country coverage
OrbitRemit supports 50+ countries from Australia and New Zealand — including India, Philippines, Vietnam, Nepal, Bangladesh, South Korea, Indonesia, Fiji, Samoa and UK.
MoneyGram supports 200+ countries and territories — broader coverage for less common corridors.
Philippines (AUD to PHP) — compared
| OrbitRemit | MoneyGram | |
|---|---|---|
| Transfer fee (GCash) | AUD $0 | ~$3.99-$7 online |
| Transfer fee (bank deposit) | AUD $4 | ~$3.99-$7 online |
| Exchange rate markup | 0% | ~1-2% |
| Speed | 85%+ within 2 hours | 0-2 business days (bank) |
| GCash delivery | Yes | Yes |
India (AUD to INR) — compared
| OrbitRemit | MoneyGram | |
|---|---|---|
| Transfer fee | AUD $0 | $0-$10 online |
| Exchange rate markup | 0% | ~1-2% |
| Speed | 85%+ within 2 hours | 0-2 business days |
| Cash pickup | Available | Available |
Which provider suits you
OrbitRemit may suit you if:
- Your recipient has a bank account or mobile wallet in a supported country
- You want fee-free transfers on major Asia-Pacific corridors
- You want the rate confirmed upfront with no exchange rate markup
MoneyGram may suit you if:
- Your recipient needs cash pickup, particularly in rural or remote areas
- You want to pay in cash in person at an Australian agent location
- You send regularly and want to earn loyalty rewards through MoneyGram Plus Rewards
- Your destination country is not in OrbitRemit’s network
FAQs (frequently asked questions)
What are OrbitRemit’s fees for sending money overseas?
OrbitRemit charges no fee on major Asia-Pacific corridors including India, Philippines (mobile wallets), Vietnam and Nepal. A flat fee applies on other corridors. All transfers above AUD $10,000 are fee-free. Check current fees at orbitremit.com.
How does MoneyGram’s exchange rate markup work?
MoneyGram applies a margin above the mid-market exchange rate — approximately 1-3% on average. This is embedded in the quoted rate rather than shown as a separate fee. The full cost is disclosed before you confirm the transfer.
Is MoneyGram good for cash pickup in the Philippines?
Yes — MoneyGram has a strong cash pickup network in the Philippines, particularly for recipients without a bank account. For recipients with GCash, OrbitRemit also supports GCash delivery fee-free from Australia.
Does MoneyGram offer a loyalty programme?
Yes — MoneyGram Plus Rewards offers fee discounts that increase with each qualifying transfer you make.
Which countries does OrbitRemit support?
OrbitRemit supports 50+ countries from Australia and New Zealand. Check the full list at orbitremit.com.
Fees and exchange rates fluctuate — always check current rates at orbitremit.com and moneygram.com before sending. Last updated September 2026.
Sources: finder.com.au — MoneyGram review Australia (October 2025) | transferfees.io — MoneyGram Fees 2026 (June 9, 2026) | remitroutes.com — MoneyGram Fees 2026 Breakdown (March 12, 2026) | wise.com/us/blog — MoneyGram transfer limits (January 20, 2026) | profee.com — Western Union overview 2026 (May 20, 2026)
