ANZ International Money Transfer FAQs

1. What is an International Money Transfer?

An International Money Transfer (Telegraphic Transfer) is an electronic transfer of funds to an overseas account at another financial institution.

Please refer to the International Money Transfer Terms and Conditions (PDF 336kB) document for the International Money Transfer application form.

2. What information is required to send an International Money Transfer?

You'll need to provide the beneficiary's name, address and account number and the beneficiary bank details (including full branch address or the SWIFT BIC code).

For payments to Europe you will be required to provide an International Bank Account Number (IBAN). Please note, selected other countries (eg, the UK) may also require an IBAN.

3. How can I send an International Money Transfer?

There are three convenient ways to send your money overseas with an ANZ International Money Transfer.

1. ANZ Internet Banking

International Money Transfers can be purchased online via the International Services tab on ANZ Internet Banking using your ANZ transaction account or ANZ credit card.

For more information, please refer to Internet Banking - transferring funds overseas FAQs

2. ANZ Phone Banking

International Money Transfers can be purchased using an ANZ transaction account or ANZ credit card via ANZ Phone Banking.

To do this, you will need:

  • a touch tone phone
  • one or more linked ANZ accounts
  • a CRN and Telecode.

To obtain your registration information, simply call 13 13 14 and a Customer Service Officer will be happy to help you get started.

3. ANZ branches and Foreign Exchange Centres

International Money Transfers can be purchased using an ANZ transaction account or ANZ credit card at all ANZ branches and Foreign Exchange Centres.

4. How much does it cost to send an International Money Transfer?

It varies. All costs can be found on the ANZ Personal Banking General Fees and Charges (PDF 116kB) document.

5. When will the beneficiary receive payment?

Again this varies - but usually the transfer should reach the other person's bank within 2 - 4 working days. It may take longer for that bank to transfer the money into their bank account.

Please note, while we will endeavour to get the other person's money to them as soon as possible, public/bank holidays may delay the delivery of funds and this is beyond our control.

6. What is an International Bank Account Number (IBAN)?

An IBAN is an International Bank Account standard adopted across all European banks. It is used for International payments to countries in the European Union and selected other countries. IBANs start with a two (2) letter country code and contain between sixteen (16) and thirty-four (34) letters and numbers. The length of an IBAN is fixed for any given country, however may vary between countries.

With every payment to the European Union you must also supply the SWIFT (or BIC) address of the beneficiary bank. This identifies the head office of the beneficiary bank. This helps the payment go through as quickly as possible.

If you do not have an IBAN or SWIFT BIC address, please request them from your beneficiary before proceeding with a Transfer.

The IBAN should be presented as a continuous string of alphanumeric characters i.e. GB29NWBK60161331926819 is an example IBAN for the UK.

IBANs across Europe

When completing payment instructions, please ensure that the beneficiary's IBAN corresponds in length to the IBAN length shown in the following examples:

European IBAN Formats - examples only

  Country Number of characters Example of IBANs per country  
France 27 FR1420041010050500013M02606
Germany 22 DE89370400440532013000
Italy 27 IT60X0542811101000000123456
Norway 15 NO9386011117947
Poland 28 PL27114020040000300201355387
Spain 24 ES8023100001180000012345
Switzerland 21 CH9300762011623852957
United Kingdom 22 GB29NWBK60161331926819
7. What is a SWIFT BIC (bank identifier code)?

A SWIFT BIC is the unique identification code of a particular bank. SWIFT codes are used when transferring money between banks for International Money Transfers.

Bank Identifier Codes are commonly known as SWIFT codes.

The ANZ SWIFT code is ANZBAU3M.

8. How do I obtain a SWIFT BIC?

The beneficiary's bank can provide the appropriate SWIFT code. You can also find SWIFT BICs on the SWIFT website www.swift.com.

9. 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 (9) digits in length. You will need to request the routing number for your international transfer from the person you're transferring money to.

10. What is anti-money laundering and counter-terrorism financing (AML/CTF)?

In December 2006, new anti-money laundering and counter-terrorism financing (AML/CTF) legislation was passed in Australia. This new legislation requires financial institutions to implement new policies, procedures and reporting standards to better identify, mitigate and manage risks associated with money laundering and terrorist financing activities for International Money Transfers.

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