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

What do I need to send money overseas?

  • A Westpac bank account registered for Online Banking and Westpac Protect™ SMS Code
  • The payee name, full 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.

Westpac Fees for International Payments

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

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

Westpac can help you save on Correspondent Bank Fees

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

Correspondent Bank and Other Banks Fees

In addition to the Westpac Fees for International Payments listed above, the amount received by the payee may be reduced by:

  • Westpac’s correspondent bank (“Correspondent Bank fee”); and
  • Other overseas banks involved in the international payment, including the payment recipient’s bank (“Other Banks Fees”)

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.

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


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
SGD Singaporean Dollars VUV Vanuatu Vatu PGK Papua New Guinean Kina
Payments 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 payments 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 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

Frequently asked questions

An IBAN (International Bank Account Number) is used by banks in certain countries to uniquely identify a customer’s bank account. It’s generally 15-30 characters long and consists of letters and numbers.

Check the IBAN number before confirming the transfer. If it’s wrong, your payment could be delayed or rejected and a fee charged.