ANZ International Money Transfers

ANZ have a large range of options for sending and taking money overseas.

Being one of the big four banks in Australia, ANZ offers a secure, quick and easy way to transfer funds into an overseas account. The money is transferred electronically to the nominated bank account, usually within two business days. By international standards, this is a relatively medium length of time.

You can transfer local currencies to over 60 countries with ANZ, making their service is useful if you're planning on sending money to popular destinations or more exotic countries.

Before you sign up

You need to have an ANZ bank or credit card account to send money overseas with ANZ. You can compare and sign up for an ANZ bank account here.

Product NameANZ Access Advantage Account
Min. Transfer AmountAUD 0
Max. Transfer AmountAUD 25,000
Transfer MethodsOnline, Phone, Agent, Bank Account to Bank Account
Transfer OptionsRegular payments, One off payments, Forward contracts
Transfer Speed
Minimum transfer time
2 days
Banking PartnerANZ
Customer ServicePhone, Chat, Email, Branch
Online Transfer FeeAUD 18
Branch Transfer FeeAUD 32
Phone Transfer FeeAUD 32
Exchange Rate UpdatesDaily


  • Large range of currencies (including exotic ones) available
  • Real time currency rate update available
  • Transfers are backed by the ANZ Internet Banking Guarantee


  • Need to have an ANZ bank or credit card account
  • Exchange rates are not as competitive as some dedicated money transfer companies

Quick links

Rates last updated February 21st, 2018
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
ANZ Access Advantage
Apple Pay, Android Pay & ANZ Mobile Pay.
Take advantage of Apple Pay by linking your ANZ Visa Debit card to an eligible iPhone and seamlessly pay for purchases with your phone.
ANZ Pensioner Advantage
If you're over 60 years of age and receive Centrelink or Veteran's allowance, you can benefit from a ANZ Access Seniors Privilege.

Compare up to 4 providers

What are ANZ's exchange rates like?

ANZ offers real-time exchange rates when you send money overseas using ANZ Internet Banking. You can also lock in a rate during the day to make the most of exchange rate movements. The currency exchange rates for ANZ change on a daily basis. Please refer to the image below for an example of exchange rates offered by ANZ on 31 May 2017. This table covers everything from travel cards to physical cash, so the column relevant to international money transfer is the one with the heading ‘IMT/TT’

CountryCurrencyCurrency Code(Bank Buys) IMT(Bank Buys) TT(Bank Buys) Travel Card(Bank Buys) Travel Chq(Bank Buys) Notes(Bank Sells) IMT(Bank Sells) TT(Bank Sells) Travel Card(Bank Sells) Travel Chq(Bank Sells) Notes
UNITED KINGDOMPOUNDGBP0.60490.60490.61010.61010.61560.55320.55320.55320.55320.5532
NEW ZEALANDDOLLARNZD1.08331.08331.09561.09561.13591.01491.01491.01491.01491.0149
SAUDI ARABIARIYALSAR2.96902.96902.98102.9810N/A2.65902.6590N/AN/AN/A
SOLOMON ISLANDSDOLLARSBD6.01906.01906.03496.0349N/A5.47715.4771N/AN/AN/A
SRI LANKARUPEELKR119.5220119.5220119.9950119.9950N/A107.6180107.6180N/AN/AN/A
UNITED ARAB EMIRATESDIRHAMAED2.87632.87632.88772.88773.25182.60412.6041N/AN/A2.6041
OMANOMANI RIALOMR0.31480.3148N/AN/AN/A0.26950.2695N/AN/AN/A
EURO MONETARY UNIONEUROEUR0.69720.69720.70840.70840.72140.63400.63400.63400.63400.6340
HONG KONGDOLLARHKD6.07306.07306.11006.11006.46905.56105.56105.56105.56105.5610
NEW CALEDONIAFRANCSXPF83.587083.587083.953083.9530N/A73.828073.8280N/AN/AN/A
SOUTH AFRICARANDZAR10.410510.410510.488610.488611.10119.27689.2768N/AN/A9.2768
CZECH REPUBLICKORUNACZK19.405919.4059N/AN/AN/A16.677816.6778N/AN/AN/A

As you can see, the margin between OFX is less than ANZ. Always remember to add fees to your comparison of money transfer companies.

How much does it cost to transfer money with ANZ?

One of the advantages of using ANZ is that they have a simplified fee structure for their international money transfers. The fees and charges are based on your transaction rather than the currency.

It’s important to note that funds may be subject to commission fees and fees charged by other banks. These fees are usually deducted by the receiving bank.

Sending money overseas

Please see the table below for fees that apply when you send money internationally with ANZ.

TypeChargesHow to use
Through ANZ internet banking$18Login or register to ANZ internet banking (for existing ANZ customers)
Through an ANZ branch or Foreign Exchange Centre$32At an ANZ branch or Foreign Exchange Centre
Through Phone Banking$32Contact 1800 352 535 (free call)
Cancelling a transfer$25+costs
Changing the details of an international money transfer$25+costs

Receiving money from overseas

Please see the table below for fees that apply when you receive money internationally with ANZ.

Directly into your ANZ accountUp to $15, though this fee depends on ANZ’s current arrangement with the bank that sent the money.
To non-customers, or transferred to another bank in AustraliaUp to $25, though again this fee depends on ANZ’s current arrangement with the bank that sent the funds.
Payments transferred to another foreign currency account held at a bank in Australia, but the funds haven’t been converted yet.$35
Bank cheques >$100$27
Payments made upon showing identification and on application$20

Minimum transfer amount and available countries

The amount you can transfer depends on the method you choose. For example, if you use internet banking, your "pay anyone" limit will apply. For phone banking, your limits and restrictions are determined on a case-by-case basis, depending on your situation.

Currencies available with ANZ (online)


Currencies available from ANZ (exchange centres)


What types of transfers can you carry out with ANZ?

  • Internet banking - If you’ve registered for online banking, you can purchase currencies online through ‘international services’ in the ‘pay and transfer’ section of the ANZ banking portal. You can use your existing ANZ account or ANZ credit card.
  • Phone banking - You can purchase currencies using your ANZ transaction account.
  • Through a branch or ANZ exchange centre - All you’ll need to do is visit the location and instruct your ANZ consultant on what you’d like to transfer.
  • Forward Exchange Contracts (FEC) - If you have a feeling that a certain currency is about to appreciate or depreciate, then you may want to consider a FEC with ANZ. This allows you to lock in a future transfer at an agreed exchange rate, meaning you don't have to worry about currency fluctuations in the meantime.
  • Set up regular transfers - When using the online option, you can choose to set the frequency.

What are my customer service options?

If you’re ever stuck when you’re transferring funds with ANZ, you can always pop into one of their branches or Foreign Exchange centers.

  • Melbourne

    ANZ Royal Bank, 293 Collins Street, Melbourne
    Collins Place, 55 Collins Street, Melbourne
    Chinatown, 230 Swanston Street, Melbourne

  • Melbourne Airport

    Located at T2 International Departures and Arrivals
    5.00am-12.30am, seven days a week

  • Sydney

    115 Pitt Street, Sydney
    37 Pitt Street, Sydney
    388 George Street, Sydney
    Chinatown (Haymarket), 665 George Street, Sydney

  • Sydney Airport

    Located at International Terminal, Departures and Arrivals
    5.30am-10.00pm, seven days a week

  • Brisbane

    Tenancy A, 146 Queen Street Mall, Brisbane
    Cnr Queen and Creek Streets, Brisbane

  • Adelaide

    121 King William Street, Adelaide
    112 Rundle Mall, Adelaide

  • Perth

    77 St Georges Terrace, Perth

What's the registration and transfer process?

To send money internationally, you’ll need to be an existing ANZ customer.

What you’ll need as a sender:

  • Full name, address, account number for the recipient
  • The currency and amount
  • Name, branch number and address for SWIFT Bank Identifier Code (BIC) of the recipient’s bank
  • IBAN for payments made into Europe or the UK, or Routing Number for payments into the US.

What you’ll need as the recipient:

  • Your ANZ branch name, address, account name, full account number.

What are the pros and cons of using ANZ to send money overseas?


  • Simple fee structure
  • ANZ has a dedicated International Payments Support Centre (free call)
  • ANZ also has physical branches and exchange centres that you can visit
  • Large range of currencies (including exotic ones) available
  • Transfers are backed by the ANZ Internet Banking Guarantee


  • Exchange rates are not as competitive as some dedicated money transfer companies
  • Minimum transfer amounts are usually decided by ANZ at the time of transfer, so it doesn’t really help with planning or preparation

What other products and services does ANZ offer?

  • International drafts. This is a bank cheque drawn in a foreign currency, which can be deposited in a bank account overseas.
  • ANZ Travel Card. Load up to 10 currencies on your card and have a secure and easy way to access your money while on holiday.
  • Travellers Cheques. ANZ uses American Express travellers cheques that are available in six denominations.
  • ANZ Cash Packs. This is a handy, pre-selected mix of currencies that lets pay for minor expenses. They’re designed so you can begin your holiday as soon as you arrive.

Frequently asked questions about ANZ international money transfers

When will the recipient receive the payment?

It depends on how long the recipient’s bank takes to credits the amount. Typically, if all goes well and the correct details are provided it takes two working days.

Do I need to be an existing ANZ customer to transfer money?

Yes, you’ll need to hold a transaction account or credit card with ANZ.

Do I need to be an Australian resident or citizen to be an ANZ customer?

Not necessarily, if you’re currently on a temporary stay visa such as the 457, then you may be eligible for a ANZ account.

While ANZ doesn’t have the most competitive exchange rates, they do provide a lot of support for their customers who want to transfer money internationally. As a large bank, you can also have peace of mind in terms of security when transferring your funds.

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International Money Transfer Offers

Important Information*
TorFX International Money Transfers

TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply.
Send money overseas in 45 currencies. Once registered, you'll be assigned an Account Manager who can provide support and guidance.

Exclusive: OFX (Ozforex) International Money Transfers

Exclusive offer: Discounted exchange rates for your first and ongoing transactions. $0 transfer fee.
A higher exchange rate applies to non-finder customers. Send money in 45 currencies.

Exclusive: WorldFirst International Money Transfers

Chinese New Year Offer - receive $20 credit in your account (T&C's apply) Exclusive offer: $0 transfer fee and discounted exchange rates for your first trade.
A higher exchange rate applies to non-finder customers. Send money in more than 130 currencies.

FC Exchange International Money Transfers

FC Exchange can save you money with its Best Exchange Rate Guarantee. Conditions apply.
No transfer fee when transferring more than £10,000 or equivalent. Send money in over 130 currencies.

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53 Responses

  1. Default Gravatar
    WarrenApril 26, 2017


    Can I have the SWIFT code for ANZ Bank Box Hill Branch?

    • Staff
      LiezlApril 26, 2017Staff

      Hi Warren,

      Thanks for your question.

      ANZ Australia’s SWIFT/BIC code is ANZBAU3MXXX which can be used for their branches, too.

      Kindly note that 3 letters or digits for branch code are optional (‘XXX’ for primary office). Moreover, where an 8-digit code is given, it may be assumed that it refers to the primary office.

      I hope this has helped.

      Best regards,

  2. Staff
    ClarizzaOctober 20, 2016Staff

    Hi Jenny,

    Thanks for your question.

    Yes they will need a SWIFT code. You can find SWIFT codes for any of the international money transfer services we feature on by click on any providers under ‘Services’ on the bottom left hand side of our International Money Transfer guide.

    Other information required by ANZ:
    – Your ANZ branch name, address, account name, full account number.

    Hope this has helped.


  3. Default Gravatar
    RaySeptember 26, 2016

    Hi My Q is what’s the limit u can transfer into Australia
    without declare it?

    • Staff
      ClarizzaSeptember 28, 2016Staff

      Hi Ray,

      Thanks for your question.

      The limit will depend on your provider so it is best to check with them directly. If you are shopping around for services, our Money Transfer Finder page may help.


    • Staff
      ShirleySeptember 28, 2016Staff

      Hi Ray,

      Thanks for your question.

      Please note that if it’s income that you’re transferring back into Australia, you will need to declare this in your tax return with the ATO.

      Due to regulations, all transactions over the size of $10K AUD are recorded.

      Hope this helps.

  4. Default Gravatar
    JIMMY'OAugust 17, 2016

    I have to write a review of an ICT tool that is used by businesses for commercial purposes. This is an assignment given to me by my university lecture so would u please help me with some information regarding the functions and operation of the “International Telegraph Transfer”.
    Your help is very much needed.
    Thank you.

    • Staff
      ClarizzaAugust 18, 2016Staff

      Hi Jimmy,

      Thanks for your question.

      We are a comparison website and as such provide general advice only. The page you have commented on refers to international money transfers, however for your project, it may be best to speak to someone in ICT.


  5. Default Gravatar
    July 21, 2016

    I would like to get a list of the different international transfer cut off times so we can ensure we load and release our overseas payments within the necessary time frames

    • Staff
      ClarizzaJuly 25, 2016Staff

      Hi Amanda,

      Thanks for your question.

      If you’re using ANZ to complete an international money transfer, most transfers take up to 2 working days provided all the correct information has been used. You can also take a look at our Money Transfer Finder to see a list of services and check under “transfer speed” to view how long the transfer takes.

      Hope this helps.


  6. Default Gravatar
    KentJune 9, 2016

    I would like the swift code for overseas deposit into an ANZ acc in QLD
    Thank you

    • Staff
      ShirleyJune 10, 2016Staff

      Hi Kent,

      Thanks for your question.

      ANZ’s SWIFT Code: ANZBAU3M

  7. Default Gravatar
    DarrenMay 13, 2016

    Hi i have transferred 15,500,000 usd into my account from overseas how long will it take with ANZ bank and do i need to tell my bank i am receiving that amount from south africa

    • Staff
      ShirleyMay 16, 2016Staff

      Hi Darren,

      Thanks for your question.

      It will usually reach the receiver’s account within 2 working days assuming everything goes well.

      Letting your recipient bank know is optional, though it may be best since it’s such a large transfer amount.

      Hope this helps.

  8. Default Gravatar
    NervinMarch 14, 2016

    If i my friend send me money using anz here in our phil bank like banco de oro bank. How can i know that the money is transferred and how can i claim it? Is this like withdrawing money using an atm machine?

    • Staff
      ShirleyMarch 15, 2016Staff

      Hi Nervin,

      Thanks for your question. I’m assuming that your friend is using ANZ and transferring money to the Philippines.

      The transfer usually takes 2 business days – your friend can also get in touch with ANZ directly to enquire if it’s been processed. The money goes directly into your bank account so you can withdraw it from an ATM.

  9. Default Gravatar
    MALCOLMMarch 7, 2016

    What is the ANZ Banks Swift Code number for a remittance from the UK ?

    • Staff
      JodieMarch 7, 2016Staff

      Hi Malcolm,

      Thank you for contacting we are a financial comparison website and general information service.

      The SWIFT code for international transfers at AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED is ANZBAU3M.


  10. Default Gravatar
    AndrewMarch 2, 2016


    I am waiting for funds to arrive from Australia to the UK it has been 4 days . How long does it usually take ?

    • Staff
      ShirleyMarch 7, 2016Staff

      Hi Andrew,

      Thanks for your question.

      It will usually reach the receiver’s account within 2 working days. It can take longer depending on the country and bank that you are sending the money to.

      For any direct account enquiries, please get in touch with ANZ directly.

      All the best.

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