# TopRate Transfer — Fast & Reliable No hidden fees

> International money transfer service with competitive rates and rewards. (iPhone/iPad app by Top Rate Transfer Pty Ltd.)

- Source: https://appshunter.io/ios/app/toprate-transfer/id6476551064 (this page in markdown: same URL + `.md`)
- Developer: [Top Rate Transfer Pty Ltd](https://appshunter.io/developer/1529463798)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings · 4 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.6 · 115 MB
- Languages: English
- Released: 2024-05-13
- Data updated: 2026-06-25
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/toprate-transfer/id6476551064/reviews.md

## What is TopRate Transfer?

Top Rate Transfer — the smarter way to send money from Australia and New Zealand to Nigeria, Kenya, Philippines India, and more.




WHY CHOOSE TOP RATE TRANSFER?




Best Exchange Rates 
- Compare live exchange rates and send money at rates that beat the banks. We display our rates upfront — no hidden fees, no surprises.




Cashback Rewards
- Earn cashback on every single transfer. The more you send, the more you earn. Your cashback balance is always visible and ready to use.



Rate Alerts
- Set alerts for your target exchange rate. We notify you the moment your rate is hit, so you never miss the best time to send.   



Live Transfer Tracking
- Track your money transfer in real-time right from your iPhone lock screen and Dynamic Island. Know exactly when your recipient gets paid.
- Fast & Secure Transfers Send money to bank accounts across Africa, Asia, and beyond. Most transfers arrive within minutes. Your funds and data are protected with bank-level encryption.      



Refer & Earn
- Share your referral code with friends and family. You both earn rewards when they make their first transfer.



Easy Identity Verification
  - Live exchange rates with rate comparison 
  - Rate alerts — get notified when rates move
  - Cashback rewards on every transfer       
  - Real-time transfer tracking on lock screen
  - Send to bank accounts in multiple countries
  - Referral program — earn when friends send
  - Biometric login (Face ID & Touch ID)     
  - Sign in with Apple & Google
  - In-app support with ticket tracking      



SUPPORTED CORRIDORS:
- Send from Australia (AUD) and New Zealand (NZD) to Nigeria (NGN), Philippines (PHP) Kenya (KES), Ghana (GHS) India (INR), and more countries. New corridors added regularly.  



SECURITY:
- Bank-level 256-bit encryption
- Biometric authentication (Face ID / Touch ID)
- PIN protection
- Regulated by AUSTRAC



Download Top Rate Transfer today and start sending money smarter. Secure PIN and biometric authentication Verify your identity in minutes using your phone camera.

## Key features

- Best exchange rates
- Cashback rewards
- Rate alerts
- Live transfer tracking
- Refer & earn program
- Fast & secure transfers

## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/toprate-transfer/id6476551064/reviews.md

### 1/5 — Horrible

*2025-04-15, version 1.5.4*

I sent money money but the recipient didn’t get it no one is getting to me till now 
Their number never goes through their customer support is non existent

### 1/5 — I have no idea

*2025-02-01*

on App Store says 17+ I open the app I’m 18 and I can’t even open an account

### 1/5 — Question

*2024-12-13, version 1.4.3*

I’m just wondering about it how genuine this app is. Did anyone tried and it worked for them?  I’ll update my ratings if it works

### 1/5 — No help

*2024-12-09, version 1.4.3*

I tried to send money through here, money was deducted from from my account but my receiver didn’t get it. I tried reaching out to them multiple times but no reply it’s been over a week and one has replied to me yet

## Frequently asked questions about TopRate Transfer

### What countries can I send money to with TopRate Transfer?

TopRate Transfer supports sending money from Australia and New Zealand to countries including Nigeria, Kenya, Philippines, Ghana, and India, with new corridors being added regularly.

### How does TopRate Transfer compare to banks for exchange rates?

TopRate Transfer offers live exchange rates that aim to beat banks, displaying rates upfront with no hidden fees. Users can also set rate alerts to ensure they send money at the optimal time.

### Does TopRate Transfer offer rewards for users?

Yes, TopRate Transfer provides cashback rewards on every transfer, and a refer-and-earn program where both the referrer and the referred friend earn rewards when the friend makes their first transfer.

### How secure are transfers with TopRate Transfer?

Transfers are secured with bank-level 256-bit encryption and biometric authentication options like Face ID and Touch ID. The service is also regulated by AUSTRAC, ensuring a high level of security.

### How quickly do transfers arrive with TopRate Transfer?

Most transfers arrive within minutes, making it a fast option for sending money internationally. You can track your transfer in real-time directly from your iPhone lock screen.

### What devices is TopRate Transfer available on?

TopRate Transfer is available on iPhone, iPad, and iPod, supporting biometric login with Face ID and Touch ID for easy and secure access.

### How often is TopRate Transfer updated?

The latest version of TopRate Transfer is 1.6.20, which was last updated on March 26, 2026. Updates typically include new features, performance improvements, and security enhancements.

### What is the user sentiment for TopRate Transfer?

Based on the available data, TopRate Transfer has a perfect 5.0-star rating from one review, indicating a highly positive initial user experience.

## Version history (last 5 releases)

### 1.16.26 — 2026-06-09

Bugs fixes

### 1.6.21 — 2026-04-03

Bug fix on transaction pages
Bug fix on notification

### 1.6.20 — 2026-03-26

- Improved identity verification with enhanced document scanning

- Better app performance and stability     
- KYC integration

### 1.6.19 — 2026-03-15

- Improved identity verification with enhanced document scanning

- Live transfer tracking on your lock screen (iOS 16.1+)
- Better app performance and stability     

- Bug fixes for beneficiary display and address autocomplete

### 1.6.18 — 2026-03-03

- Improved user experience

## Apps similar to TopRate Transfer

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [RemitAssure](https://appshunter.io/ios/app/remitassure/id6451420844) | — | Free | Finance |
| [Speed Remit](https://appshunter.io/ios/app/speed-remit/id1642487443) | — | Free | Finance |
| [MasterRemit](https://appshunter.io/ios/app/masterremit/id1452453110) | 4.5 (13) | Free | Finance |
| [Rhemito Money Transfer](https://appshunter.io/ios/app/rhemito-money-transfer/id1494717263) | — | Free | Finance |
| [Moneydrop Transfer](https://appshunter.io/ios/app/moneydrop-transfer/id6449743563) | — | Free | Finance |
| [PayMano - Money Transfer App](https://appshunter.io/ios/app/paymano-money-transfer-app/id6476703966) | 1.0 (2) | Free | Finance |

## More apps by Top Rate Transfer Pty Ltd

- [TRT Money Online Transfer App](https://appshunter.io/ios/app/trt-money-online-transfer-app/id1529463796)

All apps by Top Rate Transfer Pty Ltd: https://appshunter.io/developer/1529463798

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-25.*