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What do I need to send money overseas?

  • A Westpac bank account that is registered for Online Banking and Westpac Protect SMS Code
  • Details of the person receiving the money, such as their name, address, the name of their bank, branch address, and their account number
  • SWIFT code of the foreign bank
  • The amount you want to send

See our currency converter to view the latest foreign exchange rates.

Funds are transferred electronically from your Westpac account to the designated overseas account, usually within 1-3 business days.

Sending money to the Philippines, India, Europe or the UK?

Use LitePay to send money directly to your family and friends from Westpac Online Banking and enjoy low payment fees on transfers from $5 AUD.

Are you sending or receiving money?

Send money overseas from Australia

Transfer money overseas 24 hours a day, 7 days a week with Westpac Online Banking.

Receive money from overseas

Receive money faster by having it deposited electronically into your Westpac account.

Send, receive and hold multiple currencies

Make and receive payments in a foreign currency and convert to AUD when it suits you.

Use our currency converter to find out the latest FX rates

Convert money

Things you should know

International Payments

Overseas banks may impose fees and charges or convert the currency of the payment. Westpac might not have any control over the fees, charges or foreign currency conversions imposed by these institutions. Any overseas financial institution handling charges will by default be borne by the recipient of the International Payment and deducted from the payment amount, unless otherwise organised. It is possible that the overseas bank could convert the currency of the payment at an unfavourable exchange rate. You should inform the beneficiary that, if this occurs, they should consider rejecting the payment immediately so the payment can be unwound at the prevailing exchange rate.

If you do not want the currency to be converted, please insert the words “Do Not Convert” in the description details free text box when you are making an international payment and we will on-forward this instruction.


Payments are subject to our foreign exchange rates applicable at the time of the transaction. Other fees and charges may apply such as fees charged by the recipient bank. Payments must be made from a Westpac personal transaction or savings account, and will usually arrive within 2 Banking Days, but may take longer. Daily transfer limit of AUD 3,000 applies. Service in Europe is only available in the following European countries; Germany, Netherlands, Greece, Spain, Italy, Ireland, France, Austria, Belgium, Malta, Estonia, Finland, Latvia, Lithuania, Luxembourg, Cyprus, Portugal, Slovakia, Slovenia. Read the Online Banking Terms and Conditions and LitePay International Service Information brochure (PDF 75KB) before making a decision and consider whether the product is appropriate for you. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.