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What do I need to send money overseas?

  • A Westpac bank account registered for Online Banking and Westpac Protect™ SMS Code
  • The payee name, address and account number
  • Their bank name, address, branch and SWIFT code

You may be asked to confirm the reason for the payment. Funds are normally transferred within 1-3 business days.

Fees for International Payments

Pay a lower fee when you send your International Payment in a foreign currency:

  • $10 for Online Banking payment in a foreign currency
  • $20 for Online Banking payment in Australian dollars
  • $32 for in branch payment in any available currency
  • $10 for in branch payment to Pacific Westpac accounts

In addition to the fees charged by Westpac, an International Payment may also result in additional fees and charges being deducted by:

  • one or more other overseas banks involved in the international payment (Other Banks Fee) and/or
  • the payment recipient’s bank.

This could result in the recipient receiving less than the amount you originally sent. An estimate of Sending Money Overseas -  Other Banks Fees can be found here, based on the currency of the payment and the country/region the payment is being sent to.

Alternatively, you can hold the funds in another currency in a foreign exchange account and convert your money to and from this account at a time that suits.


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

AUD Australian Dollars CNY Chinese Yuan SBD Solomon Island Dollars
USD US Dollars DKK Danish Kroner ZAR South African Rand
EUR Euros FJD Fijian Dollars *PHP Filipino Peso 
GBP British Pounds
HKD Hong Kong Dollars
SEK Swedish Kroner
NZD New Zealand Dollars JPY Japanese Yen CHF Swiss Francs
INR Indian Rupees NOK Norwegian Krone *THB Thai Baht
*PKR Pakistani Rupees TOP Tongan Pa'anga BND Brunei Darussalem
WST Samoan Tala AED United Arab Emirates Dirham CAD Canadian Dollars
SAR Saudi Arabian Riyals VUV Vanuatu Vatu XPF CFP Franc
SGD Singaporean Dollars    

Australian Dollars can be sent to Papua New Guinea.

Payments to the selected country is only available for amounts AUD 1,000 and above, or the foreign currency equivalent value. The countries currently subject to the restriction are Cambodia, Ghana, Indonesia, Laos, Mexico, Pakistan, Philippines, Thailand, and Vietnam.**

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

**This condition is subject to change from time to time at our discretion.

Converting your funds into foreign currency lets you know the exchange rate upfront, giving you greater visibility of how much you’re sending.

Safe Online Banking guarantee

If your Westpac account is compromised as a result of Internet fraud, we guarantee to repay any missing funds, providing you comply with our Online Banking Security Guarantee

An Intermediary bank is used when sending money in any currency other than the local currency. Intermediary banks can sometimes charge a fee. This is deducted from the transfer amount.

Things you should know

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.