Sydney CBD - Best Currency Exchange Rates

Sydney is often mentioned as one of the most beautiful cities in the world. Whether you are visiting to experience the dazzling the harbour; the crystal blue waters and crashing waves of Bondi beach; learn about Sydney's convict past; sample the culinary wonders across the city; or delight your senses at the Sydney Opera House, you you will want to be prepared for your trip and be at the ready with some Australian dollars in your wallet.

Ordering Cash Online versus buying In-Store

Whatever your reason for visiting, and there are so many possible reasons, before you hit the streets looking for currency exchange you are better off ordering your foreign cash online from Foreign Xchange or Travelex and then picking up the cash at a Post Office branch near to where you live or work.

If you’re in Sydney CBD and need to exchange currency, there are several reputable options available. Here’s a guide to help you choose the best method for your needs.

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💱 Currency Exchange Options in Sydney CBD

1. Crown Currency Exchange

• Westfield Sydney, Level 2 (Sky Tower)

• Circular Quay, between Wharf 6 and the Light Rail Station

• World Square, near the George & Goulburn St entrance

• No commission or fees

• Wide range of currencies available

• Immediate cash exchange with expert assistance

• Website: crowncurrency.com.au  

2. S Money

• Location: Wharf 6, Circular Quay

• Service: Online ordering with options for post office collection or local click & collect

• Rates: Matches mid-market rates (like those on Google or XE)

• Fees: $9 for orders under $500, $19 for under $1000, or 1.9% above $1000

• Website: smoney.com.au  

3. SnapMoney

• Location: 383 Pitt Street, Sydney

• Competitive rates and a hassle-free experience

• Licensed and regulated currency exchange with over 10 years of experience

• Website: snapmoney.com.au  

4. Travelex

• Martin Place, Shop 6.05, Level 6, 25 Martin Place

• Queen Victoria Building, Shop 15C, Lower Ground 2, 455 George Street

• Services: Currency exchange and travel money cards

• Website: travelex.com.au  

5. United Currency Exchange

• Location: Shop 14, 1 Dixon Street, Haymarket

• Great exchange rates on major currency pairs

• Over 35 currencies available

• Accepts cash payments only

• Website: unitedcurrencyexchange.com.au  

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💡 A Smarter Alternative: Wise (formerly TransferWise)

• While traditional currency exchange services are available, using Wise can offer better rates and convenience:

• Mid-Market Exchange Rates: Wise uses the real exchange rate without hidden markups.

• Low, Transparent Fees: Fees are clearly stated, often lower than traditional services.

• Multi-Currency Account: Hold and manage over 40 currencies in one account.

• Wise Debit Card: Spend abroad with low conversion fees and no foreign transaction fees.

• Convenience: Manage everything online or via the Wise app.

• Website: wise.com

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💰 Comparison of Currency Exchange Services in Sydney CBD

Service	Best For	Fees	Notes
Crown Currency Exchange	Immediate cash exchange	None	No commission; wide currency availability
S Money	Online orders with local pickup	$9–$19 or 1.9%	Matches mid-market rates
SnapMoney	Competitive rates and experience	Varies	Licensed and regulated with over 10 years experience
Travelex	In-person exchange and travel cards	Varies	Convenient locations in Sydney CBD
United Currency Exchange	Great rates on major currencies	Varies	Cash payments only; over 35 currencies available
Wise	Online transfers and spending	Low, transparent fees	Real exchange rates; multi-currency account

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For the best value and convenience, especially for international travel or online purchases, Wise stands out as a superior option. Its transparent fee structure and real exchange rates can save you money compared to traditional currency exchange services.

Disclaimer: Please note any provider recommendations, currency forecasts or any opinions of our authors should not be taken as a reference to buy or sell any financial product.