Convert AUD to Foreign Currency or Foreign Currency to AUD
Convert AUD to Foreign Currency (Buy)
Convert Foreign Currency to AUD (Sell)
US Dollar (USD)
Euro (EUR)
Great British Pound (GBP)
New Zealand Dollar (NZD)
Japanese Yen (JPY)
Canadian Dollar (CAD)
Singapore Dollar (SGD)
Hong Kong Dollar (HKD)
Edit this rate to match the current St. George board rate.
You Will Receive Approximately:
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Understanding St. George Exchange Rates
Whether you are planning a holiday, sending money overseas, or managing international business payments, understanding how the St. George exchange rate calculator works is essential for maximizing your Australian Dollars (AUD). Exchange rates fluctuate constantly based on global financial markets, and the rate you see on Google often differs from the "retail" rate offered by banks.
How the Calculation Works
When converting currency with St. George or any major Australian bank, it is important to distinguish between "Telegraphic Transfers" (sending money online) and "Cash Rates" (buying physical notes). The calculator above uses a standard logic applicable to both, provided you input the correct rate:
Buy Rate (AUD to Foreign): This is the rate the bank uses when you sell your AUD to buy foreign currency. Formula: Amount (AUD) × Exchange Rate = Foreign Currency Received.
Sell Rate (Foreign to AUD): This is the rate applied when you have foreign currency and want to convert it back to AUD. Formula: Amount (Foreign) ÷ Exchange Rate = AUD Received.
Why Do Rates Vary?
Exchange rates typically include a "spread"—the difference between the buy and sell price. This margin covers the bank's transaction costs and market risks.
Transaction Type
Typical Rate Quality
Description
Telegraphic Transfer (TT)
Better
Used for sending funds electronically to an overseas bank account via Internet Banking.
Cash Rate
Lower
Applied when exchanging physical notes at a branch. Costs for handling cash usually result in a wider spread.
Travel Card
Locked In
Rates are fixed at the moment you load funds onto a Global Currency Card, protecting you from future fluctuations.
Tips for Getting the Best Exchange Rate
To get the most out of your conversion:
Check the Spot Rate: Compare the bank's rate against the mid-market rate (the "real" rate usually seen on news sites) to understand the margin.
Use Online Transfers: St. George Internet Banking usually offers more competitive rates for transfers than over-the-counter cash exchanges.
Watch for Fees: Remember that the exchange rate is only one part of the cost. International transaction fees (e.g., $10 to $30 AUD) may apply depending on the destination and account type.
Lock in Rates: If the AUD is performing well, consider locking in a rate using a travel card or a forward contract if available for your business needs.
Disclaimer: The calculator provided above is for educational and estimation purposes only. Actual exchange rates are determined by St. George at the time of the transaction and may differ from the indicative rates used here. Always confirm live rates via your internet banking portal.
// Initialize default values on load
window.onload = function() {
updateRatePlaceholder();
};
function updateLabels() {
var direction = document.getElementById('conversionDirection').value;
var amountLabel = document.getElementById('amountLabel');
var currencySelect = document.getElementById('currencySelect');
var selectedOption = currencySelect.options[currencySelect.selectedIndex];
var currencyCode = selectedOption.getAttribute('data-code');
if (direction === 'buy_foreign') {
amountLabel.innerText = "Amount in AUD to Convert";
} else {
amountLabel.innerText = "Amount in " + currencyCode + " to Convert";
}
// Trigger calculation refresh if needed, or just leave it for the button
document.getElementById('stgResult').style.display = 'none';
}
function updateRatePlaceholder() {
var currencySelect = document.getElementById('currencySelect');
var selectedOption = currencySelect.options[currencySelect.selectedIndex];
var baseRate = parseFloat(selectedOption.value);
var currencyCode = selectedOption.getAttribute('data-code');
// Update the rate input with the indicative base rate
document.getElementById('exchangeRateInput').value = baseRate;
// Update label if direction depends on currency name
updateLabels();
}
function calculateExchange() {
// 1. Get Inputs
var amountStr = document.getElementById('amountInput').value;
var rateStr = document.getElementById('exchangeRateInput').value;
var direction = document.getElementById('conversionDirection').value;
var currencySelect = document.getElementById('currencySelect');
var selectedOption = currencySelect.options[currencySelect.selectedIndex];
var currencySymbol = selectedOption.getAttribute('data-symbol');
var currencyCode = selectedOption.getAttribute('data-code');
// 2. Validation
if (amountStr === "" || isNaN(amountStr)) {
alert("Please enter a valid amount.");
return;
}
if (rateStr === "" || isNaN(rateStr)) {
alert("Please enter a valid exchange rate.");
return;
}
var amount = parseFloat(amountStr);
var rate = parseFloat(rateStr);
var result = 0;
var summaryText = "";
var finalSymbol = "";
// 3. Logic
// Note: Australian banks usually quote AUD/Foreign.
// e.g. AUD/USD = 0.65.
// Buy Foreign: You have 100 AUD. You get 100 * 0.65 = 65 USD.
// Sell Foreign: You have 65 USD. You convert back to AUD. 65 / 0.65 = 100 AUD.
if (direction === 'buy_foreign') {
// User has AUD, wants Foreign
result = amount * rate;
finalSymbol = currencySymbol;
summaryText = "Converting " + amount.toFixed(2) + " AUD at a rate of " + rate;
} else {
// User has Foreign, wants AUD
result = amount / rate;
finalSymbol = "$"; // Result is in AUD
summaryText = "Converting " + amount.toFixed(2) + " " + currencyCode + " at a rate of " + rate;
}
// 4. Output
var resultDiv = document.getElementById('stgResult');
var finalAmtDiv = document.getElementById('finalAmount');
var summaryDiv = document.getElementById('exchangeSummary');
finalAmtDiv.innerHTML = finalSymbol + result.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
summaryDiv.innerHTML = summaryText;
resultDiv.style.display = 'block';
}