Method	Acceptance	Surcharge Risk	Best For...
PayID	High	0%	Large AUD to Foreign Cash trades.
Apple/Google Pay	High	1% - 1.5%	Small, "emergency" cash pickups.
Travelex Money App	Exclusive	0%	Topping up a travel card digitally.
BPAY	Moderate	0%	Payments made 2+ days in advance.

Method	Acceptance	Surcharge Risk	Best For...
PayID	High	0%	Large AUD to Foreign Cash trades.
Apple/Google Pay	High	1% - 1.5%	Small, "emergency" cash pickups.
Travelex Money App	Exclusive	0%	Topping up a travel card digitally.
BPAY	Moderate	0%	Payments made 2+ days in advance.

Method	Acceptance	Surcharge Risk	Best For...
PayID	High	0%	Large AUD to Foreign Cash trades.
Apple/Google Pay	High	1% - 1.5%	Small, "emergency" cash pickups.
Travelex Money App	Exclusive	0%	Topping up a travel card digitally.
BPAY	Moderate	0%	Payments made 2+ days in advance.

Method	Acceptance	Surcharge Risk	Best For...
PayID	High	0%	Large AUD to Foreign Cash trades.
Apple/Google Pay	High	1% - 1.5%	Small, "emergency" cash pickups.
Travelex Money App	Exclusive	0%	Topping up a travel card digitally.
BPAY	Moderate	0%	Payments made 2+ days in advance.