Send money.
Keep more
of it.

International transfers with the best rates. 0.5% fee. Minutes, not days.

Bank-level security
150+ countries
No hidden fees

Live transfer calculator

You send
Recipient gets
Exchange rate
payd fee (0.5%)
Recipient gets

How it works

Three simple steps. Money in minutes.

1

Create account

Verify your identity in minutes. No paperwork, no branch visits.

2

Add funds

Top up via bank transfer or debit card. Lock in the rate instantly.

3

Recipient gets paid

Money arrives in minutes, directly to their bank account.

Why payd

Built for people who move money across borders — not against them.

Best rates

0.5% fee vs 3–5% at banks. Real mid-market rates, always.

Save up to 10× more

Instant transfers

Most transfers arrive in minutes, not the 3–5 days banks take.

Minutes, not days

150+ countries

Send to friends and family across six continents. Wherever home is.

Global coverage

No hidden fees

The price you see is the price you pay. Zero surprises, always.

Full transparency

Popular corridors

The most-used routes from Australia. Competitive rates, every time.