Skip to main content Skip to main navigation
Skip to accessibility 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: $5-8 for a LitePay Payment or $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.


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 LKR Sri Lankan Rupees
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
PHP Philippine Pesos 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.

Send foreign currency for lower fees

When making an International Payment, you can choose the currency you’d like to transfer the funds in.  You can send Australian Dollars (AUD) or foreign currency (e.g. USD or Euros).


Lower Westpac fees

Sending Australian Dollars will cost $20 on Online or Mobile Banking, versus $5-8 for a LitePay Payment or $10 for International Payments in foreign currency.


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.

This feature is not yet available in Mobile Banking so please sign in to Online Banking on a desktop, laptop or tablet device to add a new 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.