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International payments and travel

Whether you’re travelling overseas or your money is, we can help. You can make an international money transfer or let us know if you’ve planned any overseas travel, using ANZ Internet Banking. It’s all at your fingertips.

International payments access

How do I register for international services?

To register for international services:

  1. Log in to ANZ Internet Banking
  2. Go to the Payments menu
  3. Select International services
  4. Read and accept the terms and conditions
  5. Select Apply.

Your Internet Banking daily payment limit will apply to international services. You can set up or amend your daily limit by selecting the appropriate limit from the options displayed during international services registration.

How to remove international services access

To remove your international services access:

  1. Log in to ANZ Internet Banking
  2. Go to the Payments menu
  3. Select International services
  4. Click Remove international services.

By removing your international services access you will forfeit your ability to transfer funds overseas. Your international payee list will be deleted and you won't be able to retrieve them. You can re-register for international services anytime.

Add or change an international payee

You can add a new international payee or change an existing payee from your list in ANZ Internet Banking. We can show you how:

How to add/change an international payee

Make an overseas payment

What you'll need before you start

To make an overseas payment, you'll need:

  • name and address of the receiving bank 
  • bank account details you're transferring to, ie. country, SWIFT/BIC code, account number/IBAN and account name
  • the beneficiary's address
  • sufficient funds and daily limit on your accounts.

Funds transferred overseas may take 2 - 4 business days before being available in the payee’s (beneficiary's) account, depending on when ANZ accepts your instructions and whether a third party correspondent bank is involved.


How to make an overseas payment in Internet Banking

To make an overseas payment:

  1. Log in to Internet Banking 
  2. Select Payments from the top menu and choose International services (if it's your first time, you'll be prompted to register and agree to terms and conditions)
  3. Select Transfer funds overseas
  4. Choose the account the money is coming from
  5. Choose an existing payee or add a New payee
  6. Enter the payment details
  7. Follow the prompts to finish your payment.

Please take note of the Receipt number and Lodgement number for your own records.

Understand your SWIFTs, BICs and IBANs

What is a SWIFT/BIC?

  • SWIFT stands for Society for Worldwide Interbank Financial Telecommunication
  • BIC stands for Bank Identifier Code

Together, a SWIFT and BIC makes up the 8 - 11 character identification code of a bank or financial institution. In an international money transfer these codes help us identify the receiving bank or financial institution, so make sure the ones you use are up to date.

When you send a payment overseas, the SWIFT/BIC code is mandatory and identifies the beneficiary (receiving) bank or financial institution. Some countries will allow the option to enter a Branch number or a SWIFT/BIC code.

ANZ Australia’s SWIFT/BIC code is ANZBAU3M

How to get a SWIFT/BIC for your payment

You can contact the person or organisation you’d like to transfer to, contact their bank or refer to their bank’s website. 

What is an IBAN?

  • IBAN stands for International Bank Account Number

When you transfer money overseas, some countries require you to use an IBAN.  

An IBAN starts with a two letter country code and will contain between 15 and 34 letters and numbers. The length of an IBAN will differ depending on the country of the recipient. The IBAN should be presented as a continuous string of alphanumeric characters with no spaces (eg. GB29NWBK60161331926819).

ANZ does not have the authority to change an IBAN, so please make sure you have the right details before sending your payment. 

Australia does not use IBANs to receive payments and instead use BSB and account numbers.

How to get an IBAN for your payment

You can contact the person or organisation you’d like to transfer to, contact their bank or refer to their bank’s website. 

Notify us when travelling overseas

If you’re travelling overseas, we highly recommend you let us know before you travel. This helps us anticipate an increase in overseas purchases and avoid any unnecessary blocks on your card during this period.  If your plans change, you can update your travel details online too.  

To notify ANZ of your international travel plans:

  1. Log in to ANZ Internet Banking
  2. Select Contact in the header
  3. Choose Let us know before you travel
  4. Follow the prompts.

We will process your travel information within 2 working days. Alternatively, you can contact us to let us know of your travel plans.


Need more help?

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Your questions answered

Yes. Your daily payment limit will apply to all payments (excluding BPay bill payments). ANZ Internet Banking for Business customers please note, the maximum amount that can be transferred overseas is $150,000 even if the daily limit amount assigned to your profile is higher than this.

International money transfers (transfer funds overseas) are processed as immediate payments and your account is debited immediately. It may however, take two business days to be processed depending on when the transfer was requested. Transfers submitted before 4.30pm (AEST/AEDT) on a bank business day will be processed on the same day but if submitted after 4.30pm (AEST/AEDT) or on weekends or public holidays, it will be processed on the next bank business day. The time that it takes for the beneficiary's account to be credited will depend on the policy and systems of the beneficiary's bank. You will be notified via SecureMail once your request is processed by the ANZ International Services team.

No. International payments cannot be future dated nor can they be set up as a recurring transfer. All international payments are processed as immediate payments or transfers. This is because of fluctuating foreign exchange rates.

To view foreign exchange rates applicable to international money transfers in ANZ Internet Banking:

  1. Log in to ANZ Internet Banking
  2. Go to the Payments menu
  3. Select International services
  4. Choose Foreign exchange rates/currencies.

No. International money transfers can be sent to specified countries only. To view the list of countries for international money transfers, you can see the Destination country list when you setup a new payee.

If you wish to transfer funds to a country not shown in the destination country list, please contact us.

When you enter an amount in the field next to Transfer amount or an amount in AUD, select Get rate. The Total is the sum of the Transfer Amount and Transfer fee. When foreign currency is used, the Amount is the Australian dollar equivalent of the Transfer amount. The amount is automatically calculated by ANZ Internet Banking.

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 View past Payments/Transfers from the Payments menu. 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

You can check the details of the payment that you have made online -  Past payments/transfers

You can also check your SecureMail messages for a confirmation from the ANZ International Services team regarding your payment request or please contact us for further detail.

When you provide ANZ with your international travel plans, we know when you have used your credit card and other ANZ accounts overseas.  This helps avoid transactions being stopped by ANZ Falcon™ on your accounts when we detect overseas purchases.

For more information on Falcon anti-fraud protection

You can send us an online enquiry, or alternatively, you can phone us on 13 22 73 (International callers: +613 9683 7043) 24 hours a day, seven days a week.

You can include up to 15 travel destinations.

If you wish to inform ANZ of additional countries, you can list them in the Comments textbox.

The more information ANZ has about your plans, the less chance of merchants declining your card while you travel. So, it is best to cover most, if not all, of your destinations. However, this is up to your discretion.

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.

All International payments/transfers requested after 6.00pm Melbourne time 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, a fee may be charged and interest will accrue accordingly.