A friend usually sends $20 in a birthday card to a grandchild in Australia. Normally she buys the dollars from a travel agency, but the agency isn't open at the moment and apparently there are no A$ available at her local post office. And my friend can't order the dollars from the post office as the amount is too small.
How would it work if my friend just puts £20 in the card instead? If the grandchild (or a parent) cashes the UK note at an Australian bank, obviously they would be charged commission. But is it likely that there would also be a minimum charge for changing the note? E.g. if £20 is worth (say) A$30, and (say) there's a 10% commission, that means the grandchild would get A$27. But if the bank charges a flat fee of (say) A$20 for changing any foreign currency, then the £20 would be worth almost nothing.
Any advice would be very welcome.
(Please don't suggest sending the money electronically, as my friend is very keen to send actual cash in her grandchild's card!)