Send money overseas

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Before you send money overseas

Get set up online
Have your payee's details ready

Get set up online

Register for Westpac Online Banking or download the Westpac App. You need to be 14+ minimum age to send money overseas through online banking.
Sign up for Westpac Protect™ Security Code for an extra layer of protection when you send money overseas.
Make sure your Daily Payment Limit meets your needs. You can update it via Westpac Online Banking, or in the Westpac App.

Have your payee's details ready

Depending on which country you’re sending the money to, you will need:

Payee details: account holder name and account number or an International Bank Account Number (IBAN).
Full payee address: including country/country code, state, province, postcode where applicable.
Payee's bank codes: Such as BIC/SWIFT code - find out more about typical bank codes by country

Not sure how to find these? Our FAQs will help.

Check our foreign exchange rates and fees

Foreign exchange rates

Use our currency converter for an indicative foreign exchange rate on your international money transfer.

How much does it cost to send money overseas?

There are two transfer fees you need to know about:

1. Westpac's transfer fees

Transfer using	Fee (AUD)
Westpac Online Banking or the Westpac App (sent in a foreign currency)	$0
Westpac Online Banking or the Westpac App (sent in Australian dollars)	$20
Transfer made in a branch (sent in either Australian dollars or foreign currency)	$32

2. Transfer fees deducted by any other banks involved in the money transfer in any currency.

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

FX rates and fees FX rates and fees

Ready to send money now? 

Sign into Westpac Online Banking or the Westpac App
Choose who to pay or set up a new payee
Depending on where you’re sending, you may also be asked to confirm the reason for the payment
Select the payment currency. If sending in a foreign currency, accept the conversion rate.
Double check that you have entered the details correctly, then submit the payment.

Still need help?

Use the step by step guide  to transferring funds using the Westpac App or Online Banking.
For detailed support try our frequently asked questions.

How long will it take for the money to arrive?

Once the transfer has been submitted, funds are transferred electronically from your Westpac account into the designated overseas account usually within 1-3 business days.

Frequently asked questions

What currencies can I send overseas?

Popular currencies
	British Pounds - GBP	South African Rand - ZAR
	New Zealand Dollars - NZD	US Dollars - USD
All currencies
	Australian Dollars - AUD	Pakistani Rupees* - PKR
	Brunei Darussalem - BND	Papua New Guinean Kina - PGK
	Canadian Dollars - CAD	Polish Zloty - PLN (Online only)
	Chinese Yuan - CNY	Samoan Tala - WST
	Czech Koruna - CZK (Online only)	Singaporean Dollars - SGD
	Euros - EUR	Solomon Island Dollars - SBD
	Fijian Dollars - FJD	Swedish Kroner - SEK
	Filipino Peso* - PHP	Swiss Francs - CHF
	Hong Kong Dollars - HKD	Thai Baht* - THB
	Hungarian Forint - HUF (Online only)	Tongan Pa'anga - TOP
	Indian Rupees - INR	Turkish lira - TRY (Online only)
	Israeli New Shekel - ILS (Online only)	Vanuatu Vatu - VUV
	Japanese Yen - JPY	United Arab Emirates Dirham - AED (In-branch only)
	Norwegian Krone - NOK

What are the typical bank details required to initiate an international money transfer?

Typical bank details required to initiate an international money transfer include:

SWIFT/BIC code, also known as Bank Identifier Code (BIC) is an 8-11 alphanumeric code used to identify a bank. You can contact the receiving bank/recipient for the details or use the ‘look up bank’ function in Westpac Online Banking when adding a new payee.

IBAN is an international bank account number. The length ranges from 15 to over 30 alphanumeric characters. IBAN should be provided for all payments to the EU/EEA, UK and some non-European countries including most states of the Middle East, e.g UAE, as well as North Africa and the Caribbean region.

Your beneficiary can provide the IBAN for your transfer or if paying to your own account, your overseas bank can provide these details. Please note that the beneficiary’s account number and full address are required to initiate any international money transfer.

Countries that have specific codes:

ABA routing number also known as Routing Transfer Number (RTN) is a 9-digit code. Used for USA only.
IFSC is an Indian Financial System Code which is an alphanumeric 11-digit code.

How much money can I send overseas from Australia? 

To make an international money transfer the following limits should be considered:

A Daily Payment Limit is the amount of money you can transact per day within Online Banking, or the Westpac App. The default Daily Payment Limit is $750 per day for your Online Banking profile and can be changed via Online Banking or the Westpac App.
The maximum amount on any one international transaction is AUD$2,000,000 equivalent.
- For amounts up to AUD $200,000 you will require to be registered for Westpac Protect™ SMS code.
- For amounts above AUD $200,000 organise a SecurID® Token by calling 1300 655 505.

Can I negotiate a better exchange rate? 

See all FAQs

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 notes on the currency conversion

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. 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 money transfer 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 money transfer and we will on-forward this instruction.

How to send money overseas