Transfer funds overseas

Transferring funds overseas is easy.

  • Go to the "Pay and Transfer" menu
  • Select "International Services"
  • Click the "Transfer Funds Overseas" link from the in-page menu and follow the steps below.
Before transferring money overseas
  • Ensure you have the correct account details for the transfer recipient
  • Ensure the balance of your Pay Anyone daily limit is adequate to cover the total cost of the transfer.
  • A transfer issuing fee applies when transferring funds overseas.
Step 1 - Select the destination country
  • 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.

Step 2 - Fill in the beneficiary/recipient details

Choose one of two options:

Option 1 - Select an existing beneficiary from the "To" drop down list
  • Use this option if you've previously saved the beneficiary's information and the details have not changed
  • You don't need to re-save their details if they are already in your international beneficiary list. Ensure the "Add this recipient to 'My International Payees' list" box is left unchecked.
Option 2 - Enter the details for a new beneficiary
  • You must provide the account name, SWIFT/BIC code, account number/IBAN, the bank name and branch address
  • To save the payee, check the "Add this recipient to 'My International Payees' list" box.
Step 3 - Select the purpose of the transfer
  • Use the drop down list to select the reason for your transfer
  • You can include a message to the recipient if necessary
  • Click "Continue".
Step 4 - Enter the beneficiary/recipient address (if applicable)
  • 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.
Step 5 - Select the account to transfer from
  • 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.
Step 6 - Enter the transfer amount

Choose one of two options:

Option 1 - Select the transfer amount in foreign currency
  • Select the currency from the drop down list - only valid currencies for the transfer will be listed
  • Enter the transfer amount in either your chosen currency in the "Amount (Foreign)" field or in AUD in the "Amount AUD" field
  • Click "Calculate" - this will display the exchange rate for the currency in the "Exchange rate" field
  • The transfer amount will display in AUD and the foreign currency
  • The total costs of the transfer (transfer amount plus transfer issuing fee) will also be automatically calculated in AUD.

Transfer in foreign currency

Option 2 - Select the transfer amount in AUD
  • Select "Australian dollars" from the drop down list
  • Enter the amount you want to transfer in the "Amount (AUD)" field
  • Click "Calculate".

International Money Transfer - Option 2

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.

Step 7 - Enter your residential address and country
  • 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".
Step 8 - Review your information

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.
Step 9 - Confirm your transfer
  • 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.

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.

Step 10 - Read and accept the terms and conditions
  • You must acknowledge and agree to the five check boxes (including acknowledging that you have read and accepted the terms and conditions) by ticking each box
  • Click the "I Accept" button.
Step 11 - View your lodgement receipt
  • 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.

Need more help?

 

Use our faqs to find out more about transferring funds overseas.

Getting started

What information do I need to transfer funds overseas?

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.
What if my country doesn't appear in the drop down list?

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.
What are the specific requirements for different countries?

Destination countries often have extra information requirements when transferring funds. 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).

IBAN, SWIFT/BIC, routing numbers

What is an IBAN?

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.
Where do I put the IBAN?

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

What is the BIC/SWIFT?

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).

Where do I put the BIC/SWIFT code?

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.
How do I obtain a SWIFT code?

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
What is a routing number?

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.

Making payments

It says the suburb does not match my post code. Why?

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.
Why does the native currency of my country not display?

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.
Why should I provide my address?

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

Can I use Pay Anyone to transfer funds overseas?

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.
Can't I make recurring payments overseas?

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

  • This is due to fluctuating exchange rates.
Can I future date an overseas transfer?

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.
How much can I transfer overseas?

You can transfer an amount equal to or less than the balance of your daily pay anyone limit, including the relevant fee.

How do I know if my payments are successful?

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 and transfers:

I have a query about an international payment I've made online - what can I do?

You can check the details of the payment that you have made online: 

You can also check your SecureMail messages for a confirmation from the ANZ International Services team regarding your payment request.

Alternatively, 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.

Miscellaneous

Where do the foreign exchange rates come from?

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

Where can I view exchange rates?

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.

How does the international money transfer calculation system work?

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.

What can I see on the foreign exchange rates and available currencies pop-up page?

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.
When will the recipient/beneficiary receive the funds?

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.
What are the fees for transferring overseas?

For the fees involved in transferring money overseas, please visit:

Do I get any discounts on these fees?

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.
Important notes
  • 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 Helpdesk 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.

Need more help?

For further assistance please call the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.

Please take note of the following important information about transferring funds overseas.

Currency of transfer

In Step 6 - Enter the transfer amount 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

Find out about transfer fees:

 

You have two options:

Option 1 - Send payment in foreign currency amount
  • This is the default option if you would prefer ANZ to make the payment in the major currency of the destination country
  • The currency chosen will match the destination country you specified in Step 1 - Select the destination country.
Option 2 - Send payment in Australian Dollars
  • Select Australian dollars from the currency of transfer field
  • ANZ will inform the relevant correspondent bank of your request, but cannot ultimately ensure that the correspondent bank will not convert the payment into local currency.

Australian dollars

Account number/IBAN information

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.
IBAN example formats

Please ensure that the IBAN you use corresponds in length to the format specified for the country here:

Country IBAN character length Example Format
Austria 20 At611904300234573201
Belgium 16 Be62590012345610
Bulgaria 22 BG80BNBG96611020345678
Croatia 21 Hr1210010051863000160
Cyprus 28 Cy17002001280000001200527600
Czech republic 24 Cz6508000000192000145399
Denmark 18 Dk5000400440116243
Estonia 20 EE382200221020145685
Finland 18 Fi2112345600000785
France 27 Fr1420041010050500013m02606
Germany 22 De89370400440532013000
Greece 27 Gr1601101250000000012300695
Hungary 28 Hu42117730161111101800000000
Ireland 22 Ie29aibk93115312345678
Israel 23 Il620108000000099999999
Italy 27 It21s05428016000abcd45ze345
Latvia 21 LV80BANK0000435195001
Lebanon 28 Lb62099900000001001901229114
Lithuania 20 LT121000011101001000
Luxembourg 20 LU280019400644750000
Macedonia 19 Mk07250120000058984
Malta 31 MT84MALT011000012345MTLCAST001S
Monaco 27 Mc5813488000010055865001669
Montenegro 22 Me25505000012345678951
Netherlands 18 Nl91ABNA0417164300
New Caledonia 27 Fr1420041010050500013m02606
Norway 15 No9386011117947
Pakistan 24 Pk36scel0000001123456702
Poland 28 Pl60102010260000042270221111
Portugal 25 Pt50000201231234567890154
Romania 24 Ro49aaaa1b31007593840000
Saudi Arabia 24 Sa7326000560100161137930
Serbia 22 Rs73260005601001611379
Slovakia 24 Sk3112000000198742637541
Slovenia 19 SI56191000000123438
Spain 24 Es9121000418450200051332
Sweden 24 Se3550000000054910000003
Switzerland 21 Ch9300762011623852957
Turkey 26 Tr330006100519786457841326
United Kingdom 22 Gb29nwbk60163319268192
Important notes about IBANs
  • ANZ does not have authority to change or amend an IBAN, so please ensure you have the correct details before sending your payment
  • For the beneficiary country of United Kingdom (UK) you can use either a sort code and account number or IBAN
  • All other destination countries that are not listed in the table above will require an account number. Please ensure you have the correct branch number and/or account number for the country and bank of the recipient (beneficiary).

ANZ does not have authority to change or amend an account number, so please ensure you have the correct details before sending your payment.

Destination country requirements

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

Transferring funds information

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 Helpdesk 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.