Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input

How do I receive money from overseas?

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

Here is the information your sender will need:

  • Full bank name: Westpac Banking Corporation
  • Westpac's BIC/SWIFT code: WPACAU2S
  • Your full address, including suburb, state, and country/post code
  • Your 12-digit bank account number, made up of your 6-digit BSB followed by your 6-digit account number. You can get your account details by signing into Westpac Online Banking, or the Westpac App.

Things to consider

Your overseas sender may have the option to send a money transfer to you in foreign currency or Australian dollars.

Foreign currency transfers 

When foreign currency is received the funds will either be:

  • Converted by Westpac and credited to your everyday AUD bank account, on the date of receipt (providing the instructions are received prior to cut-off time) or
  • Credited to your Foreign currency account (FCA) in the applicable currency of the transfer.

You can decide this by providing the sender either your Foreign currency account information (if applicable) or your everyday bank account information.

Find out more about:

Australian Dollars (AUD) transfers 

The funds will be credited to your everyday AUD bank account mentioned within the payment instruction.


Check our foreign exchange rates and fees

Calculate how much money you can expect to receive from overseas, deducting any applicable fees.

Foreign exchange rates

Use our currency converter to get an indicative foreign exchange rate on the international money transfer you’re receiving

Fees to consider 
  • Westpac fee - We charge a $12 processing fee when you receive money from overseas. This fee is waived if you're receiving the equivalent of $100 AUD or less.
  • Sending bank(s) fees - The fee(s) deducted by any other bank involved in transferring the money from overseas.

To get an indicative foreign exchange rate and estimate the fees, use our currency converter. 

How long does it take to receive a transfer from overseas?

When will I get my payment

Funds will usually be available to the recipient within the same business day of Westpac receiving the funds, providing they are received prior to cut-off time. However, please be aware that in some circumstances the processing period may be longer and is outside of Westpac’s control.

Tracking my payment

Sometimes delays can occur, and the sender may need to discuss payment location details with the sending bank.

Frequently asked questions

You may be asked to provide a SWIFT Code if you’re receiving money into your account from overseas. 
The SWIFT Code for Westpac is WPACAU2S.

If the sending bank requires 11 characters, use WPACAU2SXXX 

Please also ensure the payer has your full 12-digit account number. This is your 6-digit BSB, followed by your 6-digit account number.
Things you should know

Westpac Online Banking Terms and Conditions

This information has been prepared by Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 ("Westpac"). The exchange rates provided are applicable to foreign exchange products described on this website. The exchange rates are indicative only as at the time and date shown, are subject to market movements and therefore change continuously. They may also vary depending on the type of the transaction involved, and may be different for transactions over a certain amount. They should not be relied upon as an accurate representation of any final pricing. You should contact Westpac for up-to-date pricing prior to dealing.

International money transfers
Transfers to selected countries are only available for amounts AUD $1,000 and above, or the foreign currency equivalent value. The countries currently subject to this restriction are Cambodia, Ghana, Indonesia, Laos, Mexico, Pakistan, Philippines, Thailand, and Vietnam. This condition is subject to change at any time at Westpac’s discretion.

*International transfers made in Thai Baht (THB), Filipino Peso (PHP) and Pakistani Rupee (PKR) to any eligible country are only available for amounts of AUD $1,000 in value and above.

*This is subject to change at any time at Westpac’s discretion.

Correspondent Bank Fees and Other Banks Fees
If you transact with Westpac, you will not be charged a Correspondent Bank Fee for your international transfers in over 10 currencies. These include USD, NZD, EUR, GBP and INR.

Based on the currency of the transfer and the country/region the transfer is being sent to, additional fees may be deducted by another overseas bank or the transfer recipient’s bank.