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How do I transfer funds overseas?


You can transfer money overseas in three ways:

  1. Westpac Online Banking 
  2. Westpac Mobile Banking, or
  3. Overseas telegraphic transfer

See International travel and payments, to find out how much transferring funds overseas costs.

1. Westpac Online Banking 

To make an International Payment to a new payee:

  1. Sign in to Online Banking.
  2. Select the 'Make a payment' button on the Overview page
  3. Select 'Create a new payee'.
  4. Select the 'International' option from the Payment method drop-down menu, then select the country.
  5. In the 'Bank details' section you'll be asked to enter either the IBAN (International bank account number), ABA routing, Bank and branch, IFSC or SWIFT/BIC based on the country selected. Select 'Look up'. If you don't have the information required check with your payee. In some cases you can proceed with a SWIFT/BIC code.
  6. In the 'Payee details' section enter the account name, account number and payee address (payee address is optional).
  7. In the 'Payment details' section enter a payee nickname and the payment description. Select 'Confirm'.
  8. You'll be returned to the 'Make a payment' screen. The payee details you have just entered will be selected.
  9. To continue with your International Payment, select the 'From' account. You may enter a Description for the payment (optional).
  10. Select the appropriate currency.
  11. Enter the amount.
  12. Enter the date for the payment and the payment frequency. Please note: if the payment is future dated, you will need to confirm the exchange rate on the payment date.
  13. Select 'Continue'.
  14. Review the payment details and select 'Continue'. If the International Payment is dated for today, the 'Accept rate and submit payment' screen displays. Select 'Confirm'. If the International Payment is scheduled for a future date, the' Future dated payments' screen displays. Ensure you read and understand the rate information and select 'Confirm'.
  15. You will be sent an SMS protect code to your registered device. Enter the SMS code and select 'Authorise'.
  16. Your payment is complete. If you wish to keep a copy of your receipt, you may choose to print it, save it as a PDF or email it.

View Quick Steps guide with video

Just keep in mind that you can only make an online transfer if you're registered for the Westpac Protect™ SMS code. To do this:

  • Sign into Online Banking
  • Select 'Preferences' from the 'Services & preferences' menu
  • Select 'Security'
  • Follow the steps to register

2. Westpac Mobile Banking

  • Sign in to Westpac Mobile Banking
  • Tap Pay from the bottom menu
  • Follow the steps on screen to make your International payment

3.  Overseas Telegraphic Transfer 

You can request an overseas telegraphic transfer through your local Westpac branch (locate us), in writing or in person.  
You'll need:

  • Identification
  • Your current contact number 
  • The details of the person receiving the money, such as their name, address, name of their bank and branch address
  • The amount you'd like to send
  • The currency you'd like to use. 

How do I notify Westpac that I'm going overseas?

It's important to let us know if you're going overseas - that way we can keep an eye on your accounts for any suspicious activity.

The easiest way to let us know is through Online Banking:

  1. Sign into Online Banking
  2. Select 'Services & preferences' from the top menu
  3. Under card services, select 'Notify going overseas' 
  4. Select 'Travel dates' and click on calendar icon to put in your dates
  5. Under 'Countries', type in the country and select on the dropdown menu of the country you've selected (you can add more than one country)
  6. Enter your contact details
  7. Click the red 'Notify going overseas' button to submit your notification.

View quick steps guide with video.

You can also let us know through Mobile Banking:

  1. Sign into Mobile Banking
  2. Tap the icon in the top left corner to bring up menu
  3. Tap on 'Self serve'
  4. Tap on 'Going overseas'
  5. Tap on 'Use my cards overseas'
  6. Enter your travel dates using the calendar
  7. Select the countries you'll be visiting
  8.  Enter your contact details
  9. Tap 'Send notification'

Not registered for Online Banking?

Register online with your 8-digit customer ID. You'll need your 8-digit customer ID and a recent statement for your transaction account or credit card.

For Westpac credit or debit cards issued from 27th November 2019 (excluding Handycards) your Customer ID can be found on the back of your card. If you don’t have your customer number, please phone us to register on 1300 655 505.

You can also notify us you are going overseas by calling us on 132 032.


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