MasterRemit vs TopRate Transfer
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MasterRemit
Easily send money from Australia and New Zealand to various destinations. Enjoy fast, secure, and low-cost transfers directly to mobile wallets, bank accounts, or for cash pickup. Experience great exchange rates and reliable service.
- Real-time money transfer processing
- Direct deposit to mobile wallet, bank account, or cash pickup
- Competitive exchange rates and low fees
- Bank-level security for fund protection
- Easy and convenient money remittance
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Send Money With Love - Fast, Secure & Affordable. MasterRemit makes international money transfers simple, fast, and affordable. Whether you're supporting family or paying friends abroad, we've got you covered. Why MasterRemit? Low fees + great exchange rates - keep more of your money Money sent in minutes - 98% of transfers arrive in under minutes Send to 50+ countries across Africa, Asia, and beyond Multiple payout options: Bank Transfer, Cash Pick-Up, or Mobile Wallet Secure transactions with 24/7 customer support Special discounts for new users MasterRemit connects you to home. Trusted by thousands worldwide. Download now and send your first transfer today.
TopRate Transfer
Send money internationally with competitive exchange rates and no hidden fees. Track transfers in real-time, earn cashback rewards on every transaction, and get notified when your target exchange rate is met. Secure and fast transfers to multiple countries.
- Best exchange rates
- Cashback rewards
- Rate alerts
- Live transfer tracking
- Refer & earn program
- Fast & secure transfers
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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.
Screenshots
Verdict
The clearest difference is review sentiment: MasterRemit at 53% against TopRate Transfer's 0%. MasterRemit also leads on ratings volume (18 vs 1). TopRate Transfer's advantage is rating (5.0 vs 4.4) and monetization model (free vs ad-supported). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
TopRate Transfer holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: MasterRemit has 18 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 53% of MasterRemit's written reviews are positive against 0% of TopRate Transfer's, so the app with the better star average is not the one people write more warmly about.
MasterRemit ships an update monthly, TopRate Transfer every 2 weeks. The most recent releases landed on September 24, 2026 and June 25, 2026 respectively.
| Parameter | MasterRemit | TopRate Transfer |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (18 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 53.1% of reviews — better | 0.0% of reviews |
| Number of ratings | 18 — better | 1 |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 101 MB | 115 MB |
| Age rating | 4+ | 17+ |
| Developer | MasterRemit PTY. LTD. | Top Rate Transfer Pty Ltd |
Customer experience
MasterRemit
TopRate Transfer
In-app purchases
MasterRemit
No in-app purchases
TopRate Transfer
No in-app purchases
Questions
Is MasterRemit free?
Is TopRate Transfer free?
Which has better reviews, MasterRemit or TopRate Transfer?
Do MasterRemit or TopRate Transfer have ads?
Which is updated more often, MasterRemit or TopRate Transfer?
Other comparisons
