Send money overseas
It's simple to transfer money to an overseas bank account via Internet and Mobile Banking with no Bank of Melbourne fees* when you send foreign currency.
How can I send money overseas?
You can transfer to an international bank account from an eligible Bank of Melbourne account1 using the 'Overseas Transfers' function, located within the Transfers, Payments & BPAY® menu.
What details do you need to send money overseas?
Recipient details
- Account holder name
- Full payee address: including country/country code, state, province and postcode where applicable
Recipient's bank details
- Account number or an International Bank Account Number (IBAN)
- Payee's bank codes: such as BIC/SWIFT code
How much and how long?
17 currencies available
GBP
(British Pounds)
NZD
(New Zealand Dollars)
USA
(United States Dollars)
JPY
(Japanese Yen)
EUR
(Euros)
- CAD Canadian Dollars
- CHF Swiss Franc
- DKK Danish Kroner
- FJD Fijian Dollars
- HKD Hong Kong Dollars
- INR Indian Rupees
- NOK Norwegian Kroner
- PHP Philippine Peso
- SEK Swedish Kroner
- SGD Singapore Dollars
- THB Thai Baht
- ZAR South African Rand
The Detail
* Bank of Melbourne transfer fees still apply for funds sent in Australian dollars. Other bank fees may also apply, check the currency converter for indicative rates and fees.
Important information
This information has been prepared by Bank of Melbourne – A division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 ("Bank of Melbourne").
The exchange rates provided are applicable to foreign exchange products described on this website. The exchange rates are indicative only as at the time and date shown, are subject to market movements and therefore change continuously. They may also vary depending on the type of the transaction involved, and may be different for transactions over a certain amount. They should not be relied upon as an accurate representation of any final pricing. You should contact Bank of Melbourne for up-to-date pricing prior to dealing.
Before using internet and phone banking, please read the Bank of Melbourne Terms and Conditions for Internet Banking and Phone Banking (PDF 471KB).
1. Transfers are subject to our foreign exchange rates applicable at the time of the transaction. Other fees and charges may apply such as fees charged by the recipient bank. Transfers must be made from an eligible Bank of Melbourne transaction account, and will usually arrive within 1-3 business days, but may take longer depending on the country and receiving bank. Read the Online Banking Terms and Conditions before making a decision and consider whether the product is appropriate for you.
Overseas banks may impose fees and charges or convert the currency of the transfer. Bank of Melbourne 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 money transfer and deducted from the transfer amount, unless otherwise organised. It is possible that the overseas bank could convert the currency of the transfer at an unfavourable exchange rate. You should inform the beneficiary that, if this occurs, they should consider rejecting the transfer immediately so the transfer 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 money transfer and we will on-forward this instruction. Bank of Melbourne does not guarantee that this approach will be effective and takes no responsibility if an intermediary bank converts the funds.
Transfers to selected countries are only available for amounts AUD $1,000 and above, or the foreign currency equivalent value. 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.
Other Banks Fees
In addition to the fees charged by Bank of Melbourne (and any conversion of proceeds) an international money transfer may also result in additional fees and charges being deducted by:
- one or more other overseas banks involved in the international money transfer (an "Other Banks Fee"); and/or
- the transfer recipient's bank.
This could result in the recipient receiving less than the amount you originally sent.