Comparison

Prosperity Salary Packaging vs TopRate Transfer

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Prosperity Salary Packaging

Features
Read full description

Welcome to the Prosperity Salary Packaging app. The purpose of our app is to keep you up to date and help you manage your salary packaging in one place. Some key features include: - Lodge salary packaging reimbursement claims easily by using the camera in your phone and upload. - Access Salary Packaging portal where you can check your package details, update your reimbursement account, check your statement of transactions and access claim forms and FAQs. - Access Prosperity Smart Drive portal where you can see your vehicle details, account balance, statement of transactions and process reimbursement claims. - Salary Packaging and Smart Drive calculators - Access a variety of client forms such as quote requests for a car, finance applications, and updates to your packaging - Access to information videos - Request contact - Access to timely alerts and bi-monthly newsletters To ensure you get the most out of the app and receive alerts about important communications, we recommend you enable push notifications and register your interest areas in the settings menu. For help, please email mail@prosperity.com.au. We hope you enjoy using the Prosperity Salary Packaging app.

About

TopRate Transfer

Send money from Australia and New Zealand to Nigeria, Ghana, and Kenya with transparent exchange rates and low fees. Track your transfers live, set rate alerts, and pay easily via PayID. Securely send funds for family needs or monthly support.

Highlights
  • Transparent exchange rates and fees
  • Live transfer tracking
  • Rate alerts
  • PayID integration
  • Bank account and mobile money delivery
  • Repeat transfers in one tap
  • Secure sign-in options
Features
Read full description

Send money from Australia and New Zealand to Nigeria, Ghana and Kenya at great exchange rates, with low fees you can see before you pay. TopRate Transfer is built for families and friends who send money home, whether that's school fees, rent, a wedding or support every month. SEE EXACTLY WHAT ARRIVES Enter an amount in AUD and see the exchange rate, our fee and the exact amount your recipient gets in naira (NGN), cedi (GHS) or shilling (KES), before you confirm. No hidden charges. PAY THE EASY WAY Pay with PayID straight from your Australian bank account. DELIVERY THAT SUITS YOUR FAMILY Send to a bank account, or to a mobile money wallet in Ghana and Kenya. TRACK EVERY TRANSFER Follow your transfer live, from payment to delivery, and get a notification when it arrives. NEVER MISS A GOOD RATE Set a rate alert for AUD to NGN, GHS or KES and we'll tell you when the rate hits your target. SEND AGAIN IN ONE TAP Save your recipients and repeat a transfer in seconds. SECURE BY DESIGN • Sign in with Face ID, Touch ID or a passkey • Identity verification keeps your account and your money safe • Your personal data is encrypted REWARDS Earn rewards and invite friends with refer-a-friend offers. HELP WHEN YOU NEED IT Get help in the app, or chat with our support team on WhatsApp. MORE COUNTRIES COMING SOON We're adding more countries across Africa, Asia and the Pacific, and sending from New Zealand. ABOUT US TopRate Transfer is a trading name of Top Rate Transfer Pty Ltd (ACN 641 161 444), an Australian business registered with AUSTRAC as a remittance service provider. Download TopRate Transfer and send money home today.

Screenshots

Prosperity Salary Packaging4 screens
TopRate Transfer4 screens

Verdict

The call

The clearest difference is update cadence: TopRate Transfer at every 8 days against Prosperity Salary Packaging's every 8 months. Prosperity Salary Packaging's advantage is iOS requirement (15.5 vs 17.0). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Prosperity Salary Packaging ships an update every 8 months, TopRate Transfer every 8 days. The most recent releases landed on October 27, 2026 and November 4, 2026 respectively.

Scorecard2 real differences · 8 level
Prosperity Salary Packaging versus TopRate Transfer: the parameters behind the verdict, then further details
ParameterProsperity Salary PackagingTopRate Transfer
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews—0.0% of reviews
Number of ratings—1 — better
Update frequencyEvery 8 monthsEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.5 — better17.0
Further details — not scored
Size65 MB102 MB
Age rating17+17+
DeveloperPROSPERITY SALARY PACKAGING PTY LTDTop Rate Transfer Pty Ltd

In-app purchases

None

Prosperity Salary Packaging

No in-app purchases

None

TopRate Transfer

No in-app purchases

Questions

Is Prosperity Salary Packaging free?
Prosperity Salary Packaging is free to download, with no in-app purchases.
Is TopRate Transfer free?
TopRate Transfer is free to download, with no in-app purchases.
Do Prosperity Salary Packaging or TopRate Transfer have ads?
Neither Prosperity Salary Packaging nor TopRate Transfer shows ads.
Which is updated more often, Prosperity Salary Packaging or TopRate Transfer?
Prosperity Salary Packaging ships an update every 8 months, and TopRate Transfer every 8 days. Most recently, Prosperity Salary Packaging was updated on October 27, 2026 and TopRate Transfer on November 4, 2026.

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