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Melbourne Currency Exchange – Best Rates – Foreign Xchange2025-06-05T01:59:10+00:00

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Currency Exchange Melbourne

Best Rates for Currency Exchange in Melbourne, VIC

Imagine skipping the long line at the currency exchange. Our online system lets you access the best exchange rates, receive rate alerts, and enjoy features like currency cards. Order your travel money on our website and have it delivered to your door in three business days with our efficient currency exchange service.

Get your currency exchange in Melbourne without visiting a shopping centre or bank. Our hassle-free online service makes organising your trip easier—no more waiting in line at the post office! If you’re based outside the city, you can also explore our currency exchange services in Bacchus Marsh for quick delivery and competitive rates or currency exchange in Ballarat if you’re heading further west.

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1. About Foreign Xchange Pty Ltd

This website, www.foreignxchange.com.au (“Site”) is owned and operated by ForeignXchange Pty Ltd (ABN 19 168 102 332), trading as Foreign Xchange (“Foreign Xchange”, “we”, “our”, or “us”).

The Site is provided for residents of Australia only and facilitates the online purchase and delivery of foreign currency banknotes and related services.

By accessing or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, you must immediately cease using the Site.

Foreign Xchange reserves the right to amend, modify, or update these Terms at any time without prior notice. Any changes become effective immediately upon publication on this Site.

2. Eligibility and Acceptable Use

By using this Site, you agree that:

  1. You are at least 18 years of age and have the legal capacity to enter into binding agreements;

  2. You will use this Site only for lawful purposes and in accordance with these Terms;

  3. You will not use this Site for speculative, false, misleading, fraudulent, or unlawful transactions or enquiries;

  4. You will not impersonate another person or use another person’s identity, f information, or login credentials without proper authority;

  5. All information you provide is accurate, current, complete, and not misleading;

  6. You will not knowingly introduce viruses, malware, trojans, worms, or other malicious code into this Site;

  7. You will not interfere with, damage, disrupt, or compromise the security or operation of this Site;

  8. You will not use automated tools including robots, spiders, scrapers, data mining tools, or similar technology without our prior written consent;

  9. You will not reproduce, copy, frame, mirror, or commercially exploit any part of this Site without written permission from Foreign Xchange;

  10. You will not upload, transmit, or distribute unlawful, defamatory, threatening, obscene, abusive, or harmful material through this Site; and

  11. If you have a login account, you are responsible for maintaining the confidentiality and security of your account credentials and all activities conducted under your account.

Foreign Xchange reserves the right to suspend or terminate access to the Site where misuse, unlawful activity, or breach of these Terms is suspected.

3. Transaction Limits

Foreign Xchange may impose minimum and maximum transaction limits at its discretion.

At the time of publication, orders below AUD $500 or above AUD $5,000 may not be automatically accepted through the Site and may require additional review or approval.

These limits are implemented for operational, security, regulatory, and currency availability purposes.

Foreign Xchange reserves the right to:

  1. Decline or cancel transactions;

  2. Request additional identity or verification documents;

  3. Request proof of source of funds or bank account ownership; or

  4. Require transactions exceeding certain thresholds to be completed in separate orders,

in accordance with Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) obligations and internal risk management procedures.

4. Payment Terms

Foreign Xchange currently accepts bank transfer as the primary payment method for online orders unless otherwise stated on the Site.

All payments must originate from an Australian bank account held in the same name as the customer placing the order. Joint accounts are permitted where the customer is listed as one of the account holders.

Foreign Xchange does not accept payments:

  1. Made by unrelated third parties;

  2. From anonymous payment services;

  3. From accounts suspected of fraudulent or unlawful activity; or

  4. Which are inconsistent with the customer information supplied during the order process.

Foreign Xchange is not able to independently verify beneficial ownership of all bank accounts used for payment. Customers are solely responsible for ensuring that payments originate from accounts they are authorised to use.

Foreign Xchange reserves the right to delay, suspend, reject, or cancel any order where payment irregularities, compliance concerns, fraud indicators, or verification issues arise.

Where payments are refunded, refunds will generally only be made back to the original payment source in accordance with applicable laws and regulatory obligations.

Foreign Xchange will not be responsible for losses arising from payments made contrary to these requirements, except where liability cannot legally be excluded.

5. Pricing, Exchange Rates & Currency Denominations

Exchange rates displayed on the Site are indicative only and subject to market fluctuation until the order has been processed and confirmed by Foreign Xchange.

The final exchange rate applied may differ from any previously displayed or quoted rate.

Foreign Xchange reserves the right to correct pricing errors, cancel transactions affected by technical or pricing issues, or refuse transactions impacted by abnormal market movements or compliance concerns.

Service fees, delivery fees, and other applicable charges are displayed during checkout and incorporated into the final order amount.

Foreign Xchange will make reasonable efforts to fulfil requests for specific currency denominations. However, denominations are subject to stock availability and operational limitations at the time of processing.

Where requested denominations are unavailable, Foreign Xchange reserves the right to provide equivalent value in alternative denominations. The total foreign currency value supplied will equal the confirmed order amount.

6. AML/CTF Compliance & Identity Verification

Foreign Xchange is subject to the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and related regulatory obligations.

All customers must complete identity verification before an order can be approved or processed.

Foreign Xchange may use electronic verification systems including GreenID and the Australian Government Document Verification Service (DVS) to verify customer identity.

Customers may be required to provide:

  1. Australian driver licence;

  2. Australian or foreign passport;

  3. Proof of address;

  4. Medicare card; or

  5. Other government-issued identification documents.

Where electronic verification is unsuccessful, Foreign Xchange may request additional documentation, certified identification copies, or manual verification procedures.

Orders will not proceed until verification requirements are successfully completed.

By placing an order, you agree that:

  1. The information and documents you provide are accurate and belong to you;

  2. You will promptly provide any additional information reasonably requested;

  3. Foreign Xchange may retain records as required by law; and

  4. Transactions may be delayed, declined, suspended, cancelled, or reported where required for compliance, fraud prevention, sanctions screening, or regulatory obligations.

These compliance procedures are mandatory and cannot be waived.

7. Fraud Prevention & Suspicious Activity

Foreign Xchange reserves the right to delay, suspend, reject, cancel, or report any order or transaction considered suspicious, potentially fraudulent, unlawful, or inconsistent with our compliance obligations.

Foreign Xchange may request additional information including:

  1. Proof of funds;

  2. Proof of bank account ownership;

  3. Additional identification documents;

  4. Transaction purpose information; or

  5. Any other supporting documentation reasonably required.

Where required by law, Foreign Xchange may disclose information relating to customers or transactions to regulators, law enforcement agencies, government bodies, financial institutions, insurers, or other authorised entities without notice to the customer.

8. Delivery, Transit Risk, Refunds & Dispute Resolution

Secure Dispatch & Delivery

All orders are securely counted, packaged, sealed, and dispatched using reputable third-party delivery providers.

Delivery may be made to:

  1. The nominated residential delivery address; or

  2. An authorised collection location selected during checkout.

Customers are responsible for ensuring all delivery and contact information provided is accurate and complete.

Foreign Xchange is not liable for delays, failed deliveries, or losses resulting from inaccurate customer information or circumstances outside our reasonable control.

Delivery Timeframes & Courier Delays

Foreign Xchange aims to dispatch approved orders within the estimated processing and delivery timeframes displayed on the Site. Any stated delivery or processing timeframe is an estimate only and is not guaranteed.

Delivery services are performed by independent third-party courier providers, including but not limited to StarTrack and Australia Post.

Foreign Xchange is not responsible for delays, disruptions, or failed deliveries caused by:

  1. Courier or postal network disruptions;

  2. Weather events or natural disasters;

  3. Public holidays or peak seasonal demand;

  4. Customs, aviation, or transport disruptions;

  5. Remote or regional servicing limitations;

  6. Industrial action or labour shortages;

  7. Security or regulatory screening requirements;

  8. Incorrect customer information; or

  9. Events outside our reasonable control, including force majeure events.

Customers should not rely on estimated delivery dates for urgent travel or time-sensitive commitments.

Foreign Xchange will not be liable for indirect, consequential, travel-related, accommodation, exchange rate, business, or opportunity losses arising from delayed deliveries.

Completion of Delivery & Transfer of Transit Risk

An order will be deemed delivered once the delivery provider confirms successful delivery to:

  1. The nominated delivery address;

  2. The authorised recipient;

  3. The nominated collection point; or

  4. Any location authorised by the customer.

Once delivery has been confirmed by the delivery provider, Foreign Xchange’s transit responsibility ends and all risk of loss, theft, tampering, damage, or misplacement passes to the customer.

Disputes Regarding Parcel Contents

If you believe your parcel contains missing, incorrect, or damaged currency, you must:

  1. Notify Foreign Xchange within 24 hours of the recorded delivery or collection time; and

  2. Provide clear and continuous video evidence showing:

  • The unopened parcel with labels and seals intact;

  • The complete opening process in a single uninterrupted recording; and

  • All currency and denominations contained inside.

Foreign Xchange reserves the right to request additional evidence or supporting information to investigate any claim.

Claims submitted outside the required timeframe or without adequate supporting evidence may not be accepted or investigated.

Lost in Transit Parcels

While extremely rare, parcels may occasionally be delayed or lost while in transit with third-party delivery providers.

Where a parcel is confirmed as lost in transit before successful delivery confirmation, Foreign Xchange may assist the customer by initiating investigations with the relevant courier provider and, where applicable, lodging insurance claims.

Any reimbursement, replacement, refund, or remedy offered by Foreign Xchange will be assessed having regard to:

  1. Courier investigation outcomes;

  2. Proof of dispatch and delivery records;

  3. Insurance assessments;

  4. Tracking and GPS data; and

  5. Applicable law.

To the maximum extent permitted by law, Foreign Xchange’s liability for parcels confirmed as lost in transit is limited to the original purchase amount paid for the affected order.

Foreign Xchange is not responsible for losses occurring after delivery confirmation has been recorded by the courier provider.

Order Cancellations

Orders may only be cancelled before dispatch confirmation.

Once an order has been dispatched, it cannot be cancelled, amended, or withdrawn.

Cancellation requests must be submitted in writing.

Once an order has been dispatched, any cancellation request will be treated as a returned order and assessed in accordance with the Returned Orders & Refused Deliveries section of these Terms.

Returned Orders & Refused Deliveries

Foreign currency is purchased, sourced, allocated, and/or reserved specifically to fulfil a customer’s order and is subject to exchange-rate fluctuations and wholesale-market pricing.

Where a customer:

* refuses delivery;
* fails to collect an order from an authorised collection location;
* requests a return after dispatch; or
* otherwise causes an order to be returned in any circumstances to Foreign Xchange,

Any refund will only be assessed after the returned currency has been received, verified, and reconciled by Foreign Xchange.

Foreign Xchange reserves the right to deduct from any refund:

* outbound delivery and handling costs;
* return delivery costs;
* bank charges and transaction fees;
* administrative and reconciliation costs;
* currency conversion losses;
* losses arising from wholesale repurchase rates;
* exchange rate movements occurring after the original order was placed; and
* any other reasonable costs incurred as a direct result of the return.

Any applicable deductions will be calculated at the time the returned currency is received and reconciled.

Customers acknowledge that foreign currency is not a standard retail product and that the value of foreign currency may fluctuate between the original order date and the date of return.

Refunds

Approved refunds will generally be processed back to the original payment source used for the transaction.

Refund processing times are subject to banking system processing and financial institution timeframes outside Foreign Xchange’s control.

Foreign Xchange may deduct applicable delivery, administrative, banking, or processing costs from refund amounts where permitted by law.

Maximum Liability

To the maximum extent permitted by law, Foreign Xchange’s maximum liability in connection with any order or transaction is limited to the original purchase amount paid by the customer for that order.

Foreign Xchange will not be liable for indirect, consequential, incidental, punitive, business, travel, accommodation, exchange rate, opportunity, or economic losses.

Nothing in these Terms excludes, restricts, or modifies any rights or remedies available under the Australian Consumer Law or any other law that cannot legally be excluded.

9. Electronic Communications

By using the Site or placing an order, you consent to receiving communications electronically, including by email, SMS, telephone, or other electronic means.

These communications may include:

  1. Order confirmations;

  2. Verification requests;

  3. Compliance notices;

  4. Delivery updates;

  5. Service announcements; and

  6. Marketing communications where permitted by law.

Electronic communications satisfy any legal requirement that communications be in writing.

10. Intellectual Property, Trademarks & Third-Party Links

All content on this Site, including logos, branding, text, graphics, images, software, and design elements, is owned by or licensed to Foreign Xchange unless otherwise stated.

You must not reproduce, distribute, modify, publish, or commercially exploit any content without prior written consent.

Third-party trademarks appearing on the Site remain the property of their respective owners.

The Site may contain links to external websites for convenience only. Foreign Xchange does not control and is not responsible for the content, security, accuracy, or availability of third-party websites. Accessing external websites is entirely at your own risk.

11. Privacy

Foreign Xchange handles personal information in accordance with its Privacy Policy available on this Site.

By using the Site or placing an order, you consent to the collection, use, storage, disclosure, and handling of your personal information in accordance with the Privacy Policy and applicable Australian privacy laws.

12. Website Availability & Security

Foreign Xchange does not guarantee that the Site will always be available, uninterrupted, secure, or free from defects, viruses, malware, or other harmful components.

You acknowledge that internet-based services involve inherent risks and that Foreign Xchange is not responsible for disruptions, outages, unauthorised access, or technical failures beyond its reasonable control.

13. Governing Law

These Terms are governed by the laws of South Australia, Australia.

Any disputes arising in connection with these Terms or use of the Site shall be subject to the exclusive jurisdiction of the courts of South Australia.

14. Contact Us

If you have any questions regarding these Terms or your transactions, please contact:

Foreign Xchange

Email: [email protected]

WESTPAC
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STARTRACK
POLI
FINDER
Commonwealth Bank
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Terms and Conditions

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Delivered To You

Here’s How It Works

Step one make an order. Start by checking our market-beating currency exchange rates. You’ll be presented with up-to-date foreign exchange rates for currencies so what you see is exactly what you get. Our currency converter rates really are the best but don’t take our word for it. Check out the competition yourselves and enjoy our good rates! When you’re ready, make an order through our online platform and complete the payment with BPay, account or international money transfer.

Step two your efficient currency exchange service will be delivered to your home address in Melbourne or nearby areas like Bendigo in three business days. No hassles, no stress, no fees.

More about how Foreign Xchange works

Foreign Xchange employs the latest technological and operational standards to ensure your privacy and payment details are in safe hands. We only work with premium couriers companies and our deliveries are fully insured for your peace of mind.
Place Order

Why is Security our Top Priority?

We’ve baked security into every part of our business. The online ordering process uses the latest security technologies and encryption to keep your details safe and private. We use premium couriers with strict instructions to deliver to your specified Melbourne address. If you’re flying out soon, don’t miss our top tips for Melbourne Airport travel to stay ahead of delays. Your order is directly into your hands with a simple ID check. Lastly, your order is fully insured for your peace of mind.

This ensures that you receive your package personally, minimizing the risk of misdelivery or lost parcels. Once you have signed for your currency, we get a notification and can mark your order as complete.

Why Buy Currency in Melbourne?

Exchanging currency in Melbourne has never been easier. No matter if you are travelling to the United Kingdom for a full English breakfast, Hong Kong for some peaking duck or the Czech Republic for some beer with such a large selection of currencies available we got you covered. You can find both unpopular and popular currencies with Foreign Xchange – you don’t have to worry about shopping around in and around the Melbourne CBD or monitoring currency exchange rates on a daily basis right before your holiday. 

Swanston Street can be quite busy at times. We want to help you avoid wasting both time and foreign currency when travelling into the city. We have simplified the process of foreign currency conversion. Feel free to compare our exchange rates with those of other competitors and in-store options; you’ll find that we offer some of the best currency exchange rates available in Melbourne.

Order online and have your currency delivered to your Melbourne address before you travel. Avoid high fees and poor rates at Melbourne Airport. With over five years of trusted service, Foreign Xchange in Melbourne ensures hassle-free delivery to your door.

Where to Get The Best Currency Exchange in Melbourne?

We constantly review our rates to ensure you get the best currency exchange rates. The rate you see online is the rate you get—just order at your preferred rate. Online rates are typically better, and our easy-to-use platform makes comparing and ordering simple and convenient.

Online currency exchange rates are often more competitive than those at physical shops, making our website a better choice. It’s also more convenient for large amounts—you can avoid handling cash. Simply choose your currency, add it to your cart, select a shipping option, and complete your payment. It’s never been easier to exchange your Australian Dollars for other currencies, whether it’s for AUD cash or a quick walk. We also offer delivery to nearby areas — if you’re in Geelong, check out our currency exchange services in Geelong for fast, reliable options just outside the city.

Order Your Foreign Currency Online Today With The Best Exchange Rates

For the best currency exchange in Melbourne, order your travel cash with us today. Follow our simple two-step process and receive your foreign money in as little as three business days. Enjoy peace of mind with better rates than in-store, and relax as your travel money arrives safely and hassle-free.

Get started by checking out our exchange rates using our currency calculator or currency converter above. Verify that our travel money exchange rates really are the best you can find. We are Foreignxchange.com.au – Great rates at your convenience.

Check Our Rates

Frequently Ask Questions

Where’s the best place for currency exchange in Melbourne?

Foreign Xchange offers better rates than most currency exchange shops in Melbourne, especially those at the airport. You can order online and get your foreign currency delivered anywhere in Melbourne – including your home, office, or hotel. It’s secure, affordable, and fully trackable with StarTrack, a courier service by AusPost.

Do you have in-store pickup in Melbourne?

No. Foreign Xchange operates 100% online, so we don’t have in-store pickup in Melbourne or any physical store. Instead, we deliver your travel money directly to you. That means we don’t pass any overhead cost to you. You avoid the queues, parking hassle, and inflated in-store rates.

Can I get foreign currency if I’m in Narre Warren?

Yes. We deliver to Narre Warren and all Melbourne suburbs. Once you place your order, we dispatch your foreign currency using insured courier service. It arrives safely at your nominated address – no need to travel or queue at a store.

Should I exchange currency at Melbourne Airport or before flying?

Trust us when we say: exchange your currency before heading to Melbourne Airport. Airport kiosks often charge higher fees and offer poor exchange rates. With Foreign Xchange, you lock in your rate early and receive your money at home, saving time, money, and airport stress.

Why Should I Use Foreign Xchange Instead Of A Physical Currency Exchange Shop?

Foreign Xchange offers better rates, convenience, and security compared to physical exchange shops. Our online platform provides competitive rates and delivers your currency directly to your Melbourne address, saving you time and avoiding potential fees at airport exchange counters.

What Our Customers Say

Phonz Musik

Phonz-Musik

[testimonial_average_rating /]
Changing Philippine Pesos to AUD, I was quoted (at the time) 42.5pesos across the road and this guy gave me approximately 41.806? I read reviews and it seemed that it was better “across the road” but as already mentioned, this shop gave me a better deal.

Phonz Musik

Kane Taylor

Kane-Taylor

[testimonial_average_rating /]
Great Rates! Definitely will come back.. FX beat everyone else quite easily. Gave me the best rates first up, no need to ask second time. Purchased US Dollars and Canadian Dollars today at the best rate in the town! Thank you Amit!

Kane Taylor

Morgan Bradley

Morgan-Bradley

[testimonial_average_rating /]
Best Rates for buying US Dollars, Euros and British Pounds. Amit also helped me swap some of my old US Dollar bills for the new ones without charging anything. I had previously checked 4 other currency shops and no one helped me out.

Morgan Bradley