Send money overseas using an international money transfer or international direct credit.

Make an international money transfer within internet banking

This functionality is only available within internet banking.

  1. Log in to internet banking.
  2. Click 'Pay & transfer' at the top of the screen.
  3. Click 'International services'.
  4. Click 'Make an international money transfer'.
  5. Enter the payment details.
  6. Click 'Next page'.
  7. Enter the beneficiary's account details and their physical address.
  8. Enter any statement and additional details.
  9. If you'd like to save the beneficiary's details for future use, tick the tick box.
  10. Tick the tick box if you accept and understand the terms and conditions.
  11. Click 'Next page'.
  12. After you've reviewed the payment details, click 'Make payment'.

Make an international direct credit within internet banking

This functionality is only available within internet banking.

  1. Log in to internet banking.
  2. Click 'Pay & transfer'.
  3. Click 'Make an international direct credit'.
  4. Enter the payment details.
  5. Click 'Next page'.
  6. Enter the beneficiary's account details and their physical address.
  7. If you'd like to save the beneficiary's details for future use, tick the tick box.
  8. Tick the tick box if you accept and understand the terms and conditions.
  9. Click 'Next page'.
  10. After you've reviewed the payment details, click 'Make payment'.

See the fees for making a telegraphic transfer or an international direct credit.

International direct credits

With international direct credits you may like to let the beneficiary know of the payment date and amount, as you can't include reference details within internet banking when you make the payment.

Information you need to make an international transfer

When you send money overseas you need specific details about the person or organisation you’re sending money to.

Australia (Direct credits and telegraphic transfers)
  • Bank and branch number (often referred to in Australia as BSB number)
  • Account number
  • Recipient’s account name
  • Recipient’s physical address, including postcode and state
UK (Direct credits and telegraphic transfers)
  • Bank and branch number (often referred to in the UK as sort code)
  • Account number or IBAN
  • Recipient’s account name
  • Recipient’s physical address
Europe (Telegraphic transfers only)
  • The IBAN number
  • SWIFT code (preferable)
  • Recipient’s account name
  • Recipient’s physical address
US (Telegraphic transfers only)
  • Bank and branch number (often referred to in the US as ABA or FedWire).
  • SWIFT code and Bank and branch name
  • Account number
  • Recipient’s account name
  • Recipient’s physical address
Hong Kong, Japan, Singapore (Telegraphic transfers only)
  • Bank and branch name
  • SWIFT code
  • Account number
  • Recipient’s account name
  • Recipient’s physical address
Canada (Telegraphic transfers only)
  • Bank and branch name
  • Bank and branch number (often referred to in Canada as institution and transit number or Electronic Fund Transactions (EFT) routing number): Note a full EFT is 9 numbers long and includes a 0 at the start
  • Account number
  • Recipient’s account name
  • Recipient’s physical address
India (Telegraphic transfers only)
  • Bank and branch name
  • SWIFT code
  • Account number
  • Recipient’s account name
  • Recipient’s physical address
  • IFSC code* (for transfers over 100,000 INR)
  • Bank address including PIN code*
  • If recipient is not an Indian resident you’ll need to refer to them as a NRE. For internet banking put this information in payee’s details.
Other countries

Other countries we recommend that you ask the recipient to confirm the details their bank needs.

The most common requirements are:

  • Bank and branch name
  • SWIFT code
  • Account number
  • Recipient’s account name
  • Recipient’s physical address

Some countries may have additional requirements.