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?

Making an international money transfer using Westpac Online Banking is easy. Here’s what you’ll need:

  • A Westpac bank account that is registered for Online Banking and Westpac Protect SMS Code
  • Details of the person receiving the money, including their name, address, bank name, branch address and account number
  • The amount you want to send
  • In some cases you will be asked to confirm the reason for the payment.

Funds are usually transferred within 1-3 business days.

Fees for International Payments

You‘ll pay a lower fee on your international money transfer if you send it in the foreign currency:

  • Sending foreign currency via Westpac Live Online Banking: $10 for International Payments in foreign currency.
  • Sending Australian Dollars via Westpac Live Online Banking: $20
  • In branch, it costs $32 to send any available currency, or $10 to send money to Pacific Westpac accounts.

In addition to the fees charged by Westpac [and any conversion of proceeds], 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 (an "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, instead of sending money at the prevailing exchange rate, with a foreign currency account you can hold funds in another currency and convert your money to and from the account at a time that suits you.


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.

Sending money overseas to certain countries is limited for amounts of AUD $1,000 and above, or any foreign currency equivalent. For clarity, the countries currently subject to the restriction are Cambodia, Ghana, Indonesia, Laos, Mexico, Pakistan, Philippines, Thailand, and Vietnam. This condition is subject to change from time to time at our discretion.

*International payments made in Thai Baht (THB), Filipino Peso (PHP) and Pakistani Rupee (PKR) to any eligible country is limited 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 Terms and Conditions

What is an IBAN number?

An IBAN, or International Bank Account Number, is a globally recognised sequence of letters and numbers used to process select cross border payments.

International payments from Australian accounts to IBAN-recognised countries will require a valid IBAN. It's a good idea to check and confirm the IBAN with the person receiving the money because if the IBAN is incorrect or missing, a charge may be applied by the receiving bank and the transfer may not go through.

How to add an international payee

Before you make an International Payment you’ll need to add your recipient as a new International payee.

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.