Transfer funds overseas

• Ensure you have the correct account details for the transfer recipient.
• Your Pay Anyone daily limit will apply when transferring funds overseas.
• A transfer issuing fee applies when transferring funds overseas.

• Use the drop down list to select a country to transfer funds to.

If a country does not appear in this list it is not eligible to receive funds through ANZ Internet Banking so you will need to visit your nearest ANZ branch to organise this.

• Find out about requirements for specific countries

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Choose one of two options:

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• Use the drop down list to select the reason for your transfer
• You can include a message to the recipient if necessary. Click "Continue".

• If you are transferring to Bangladesh, Canada, Ireland, Israel, Malaysia, Pakistan or Saudi Arabia you will need to include the beneficiary/recipient address.
• Otherwise skip to step 5.

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• From: choose the account you wish to transfer funds from, using the drop down list, which displays all of your ANZ accounts that you have linked to ANZ Internet Banking.

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Choose one of two options:

ANZ Internet Banking for Business transfer amount limit

ANZ Internet Banking for Business customers please note, regardless of the daily limit amount assigned to your profile, the maximum amount that can be transferred overseas is $150,000 per transfer.

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• You must enter your residential address (no P.O. box) to comply with the Australian Transaction Reporting Act, 1988.
• Check you have filled in all the information correctly and then click "Continue".

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Review all your information to ensure it is correct. If information is incorrect it may result in an unsuccessful transfer or payment to an unintended account.

• If you notice mistakes click "Back" and re-enter the correct details following steps 1-7.

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• When you are happy with the information entered click "Confirm".This will complete the transfer and a confirmation message will display.

ANZ Internet Banking for Business operators can click "Request authorisation" to submit the transfer to the relevant Authoriser or Administrator for approval.

• Find out more about authorising transactions

Please note that ANZ Internet Banking for Business Authorisers/Administrators must authorise the transaction on the same day the transfer is lodged, otherwise the transfer will be expired and will need to be re-submitted.

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• If terms and conditions display, you must read and accept them.
• Click the "I Accept" button.

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• Your lodgement receipt is displayed to confirm that the transfer has been submitted successfully.
• This does not mean the transfer will be processed successfully as that is dependent on the details you have entered being accurate and sufficient available funds being in the account from which the transfer is to be paid.
• Please make a note of the receipt number and lodgement number for your own records.

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To transfer funds overseas you will need the overseas bank account details including the details of the bank that will receive the funds.

• Destination country: the country you will be transferring funds to.
• Beneficiary (recipient) information:
  • Title of the beneficiary
  • Account Name
  • Branch Number
  • Account Number/IBAN
  • Bank Name in full
  • Branch Address
  • BIC/SWIFT
• You may also need the address of the recipient and their identification details depending on the country you are transferring funds to.

International money transfers can be sent to specified countries only.

• If you wish to transfer funds to a country not shown in the drop down list, please visit your nearest ANZ branch.

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Destination countries often have extra information requirements for transferring funds to. The fields to be filled in will differ depending on the country you have chosen.

• Vietnam requires the passport or citizen card number of the recipient.
• Some countries require the beneficiary/recipient address (Bangladesh, Canada, Ireland, Israel, Malaysia, Pakistan, Saudi Arabia).
• China does not allow transfers from/to businesses in Chinese Yuan currency (CNY) due to Chinese Banking regulatory requirements.
• Transfer to China requires the Chinese Identification Number of the beneficiary/recipient.
• Transfers to China in CNY exceeding USD 10,000 require the online indemnity/declaration form to be completed declaring the source of funds. This is also Chinese Banking regulatory requirements.

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IBAN stands for International Bank Account Number.

• It is used for international payments to countries in the European Union and some other countries.
• IBANs start with a two letter country code and contain between 15 and 34 letters and numbers in total.
• The length of an IBAN will differ depending on the country of the recipient (beneficiary). The IBAN should be presented as a continuous string of alphanumeric characters i.e. GB29NWBK60161331926819 with no spaces.

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The IBAN number must be filled in the section which asks you for an Account/IBAN number.

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SWIFT stands for Society for Worldwide Interbank Financial Telecommunication and BIC stands for Bank Identifier Code. Together they make up the 8-11 character identification code of a bank or financial institution.

• When sending a payment overseas the SWIFT/BIC code helps us identify the receiving (beneficiary) bank or financial institution (it is not obligatory but we strongly recommend you include it).
• Please make sure that you use an active SWIFT/BIC code.
• ANZ Australia's SWIFT/BIC code is ANZBAU3M.

If you require assistance or information on Swift/BIC code formats please call the ANZ International Services team on 1800 681 683 (toll free) (International callers: +61 3 9277 2499).

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After you select a country to transfer funds to, the page will refresh and ask for beneficiary details.

• If a BIC/SWIFT code field is displayed you'll need to input the code here.
• If there is no BI/SWIFT field displayed, can provide these details under the branch address field as this will assist in processing your payments.

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The beneficiary's bank can provide the appropriate SWIFT/BIC code in order to enable an international money transfer to reach the overseas account.

• Alternatively, SWIFT/Bank Identifier Codes can be looked up on the SWIFT website www.swift.com.

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A routing number is a nine digit bank code used in the United States to identify a financial institution. It is also commonly known as an ABA or Fedwire number.

• Routing numbers are always nine nine digits in length.
• You will need to request the routing number for your international money transfer from the person you're transferring money to.

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The section for "Sender details" asks to provide your residential address.

• The suburb section requests for "Suburb/city".
• Please only fill in the suburb in this field as this field is used to validate the suburb/postcode combination.

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International money transfers can be sent to specified currencies provided in the drop down list within ANZ Internet Banking.

• You may select any currency available in the drop down list to transfer funds overseas.
• The beneficiary's bank may convert the funds into the local currency or the currency of the receiving account that you have transferred to.

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You must provide your residential address (no P.O. box) to comply with the Australian Transaction Reporting Act, 1988.

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No. Pay Anyone cannot be used to transfer funds overseas. This facility is used to transfer funds to any Australian Financial Institution (bank, building society, credit union).

• You must use "International services" under "Pay and transfer" menu to transfer funds overseas.

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No. You cannot request recurring payments to be sent overseas.

• This is due to fluctuating exchange rates.

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No. You cannot future date an international transfer.

• This is due to fluctuating exchange rates.
• All international payments are processed as immediate payments or transfers.

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You can transfer an amount equal to or less than your daily pay anyone limit (including the relevant fee, i.e. $24 for foreign currency payments or $32 for Australian Dollar (AUD) payments) internationally.

• Payment to China in Chinese Yuan currency (CNY) exceeding the equivalent of USD 10,000 require an online indemnity or declaration form to be completed declaring the source of funds.
• CNY payments sent from/to business or corporate accounts will not be processed due to Chinese Banking regulatory requirements.
• Hence, CNY payments to China are available for person to person payments only.

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Whenever you confirm a payment/transfer you'll see a lodgement number and a receipt number. The receipt number confirms that the payment has been submitted successfully.

For scheduled payments, you can check the status and the receipt number via the "Past payments/transfers" page. For unsuccessful payments, the status will show as failed. You can also check the details of the payment to find the reason the payment failed.

• Find out more about past payments/transfers

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You can check the details of the payment that you have made online via the "Past payments/transfers" facility in the "Pay and transfer" menu.

• This page shows you the list of transactions that you have made online.
• You can then click the "View details" link after selecting a particular payment that you want to query.
• You can also check your SecureMail messages for a confirmation from the ANZ International Services team regarding your payment request.
• You can also contact the ANZ International Services team directly on 1800 681 683 between 8.00am to 7.00pm (AEST) Monday to Friday for further details.

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The rates are delivered to ANZ Internet Banking direct from ANZ Treasury and are updated regularly.

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Foreign exchange rates applicable to international money transfers and international drafts can be viewed via the "Foreign exchange rates/currencies" link under the "International services" section in the "Pay and Transfer" menu.

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When you enter an amount in the "Amount in foreign currency" field or an amount in the "Amount in Australian dollars" field and click "Calculate", whichever field is left blank will be automatically calculated by ANZ Internet Banking.

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You can see the currencies available to transfer funds overseas to and purchase an international draft for using ANZ Internet Banking.

• For each country, the national currency, abbreviation for the national currency and the current ANZ Sell Rate is displayed.
• A tick in the international money transfer or international draft box means that the currency is available for that functionality.

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Once the payment is processed, the transfer should reach the recipient bank within two to four bank business days. It may take longer for the recipient bank to transfer the money into the recipient's bank account. This depends on the recipient bank's policy and system.

• Please note, while we will endeavour to get the beneficiary's money to them as soon as possible, public/bank holidays may delay the delivery of funds.

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Transferring funds overseas in a foreign currency via an ANZ International Money Transfer within ANZ Internet Banking will cost you $24.00 per transfer.  Transferring funds overseas denominated in Australian Dollars (AUD) via an ANZ International Money Transfer within ANZ Internet Banking will cost you $32.00 per transfer.

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Discounts are not available through ANZ Internet Banking.

• If you are entitled to a travel fund fee concession please contact your local ANZ branch to place your order.

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• The time that it takes for a transfer to be processed to your account will depend on the transfer type. Check your Electronic Banking Conditions of Use for details.
• The time that it takes for the payee's account to be credited will depend on the policy and systems of the payee's bank.
• If your enquiry relates to a transfer with a "Status unknown" message, please contact the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.
• All International payments/transfers requested after 6.00pm (AEST) or on weekends or a public holiday for the same day transfer are debited immediately but are processed on the following bank business day.
• Transfers from an ANZ Credit Card will be treated as a cash advance.
• Regardless of the payment authorisation period specified by ANZ Internet Banking for Business users at registration, any transfers overseas must be authorised on the same day that the transfer is lodged. This is due to exchange rate fluctuations. If they are not authorised on the same day, they will expire.

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In step 6 of transferring funds overseas you'll need to choose a currency for your transfer.

• If you choose Australian dollars there is a chance that the receiving country will convert your Australian dollars back to their local currency and could potentially charge fees for this.
• For this reason we give you the chance to make sure you intentionally chose Australian dollars for your transfer.

You have two options:

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IBAN stands for International Bank Account Number.

• It is used for international payments to countries in the European Union and some other countries.
• IBANs start with a two letter country code and contain between 15 and 34 letters and numbers in total.
• The length of an IBAN will differ depending on the country of the recipient (beneficiary). The IBAN should be presented as a continuous string of alphanumeric characters i.e. GB29NWBK60161331926819 with no spaces.

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Destination countries often have extra information requirements for transferring funds to. The fields to be filled in will differ depending on the country you are transferring to.

• Vietnam requires the passport or citizen card number of the recipient.
• Some countries require the beneficiary/recipient address (Bangladesh, Canada, Ireland, Israel, Malaysia, Pakistan, Saudi Arabia).
• For information on transfers to China in Chinese Yuan see payments to China in Chinese Yuan (CNY).

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When you are transferring funds overseas it is your responsibility to ensure the details you provide are correct.

• We do not check payment details.
• If payment details are incorrect it may result in an unsuccessful transfer or the wrong account receiving funds.
• If you have a query about a bill payment transaction you can send us a SecureMail or call ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.

How long does it take to transfer overseas?

• Transfers are processed overnight on bank business days
• The time that it takes for the international payee's account to be credited will vary depending on the policy and systems of the bank the account is held with.
• Transfers submitted before 6.00pm (AEST) on a bank business day are processed on that day.
• Transfers submitted after 6.00pm (AEST) or on weekends or public holidays are processed on the next bank business day.

ANZ Internet Banking for Business

• Regardless of the payment authorisation period specified by ANZ Internet Banking for Business users at registration, any transfers overseas must be authorised on the same day that the transfer is lodged.
• If they are not authorised on the same day, they will expire.
• This is due to fluctuating exchange rates.

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