ANZ International Money Transfer
More info
You can send money quickly and securely to more than 99 countries with ANZ's international money transfer service.
ANZ offers a secure, quick and easy way to transfer money into an overseas account. The money is transferred electronically to the nominated bank account, usually within two business days.
You can transfer local currencies to more than 99 countries with ANZ, which is beneficial if you need to send money to more exotic countries that alternative providers may not support.
| Product Name | ANZ International Money Transfer |
|---|---|
| Min. Transfer Amount | AUD 0 |
| Max. Transfer Amount | AUD 1,000,000 |
| Transfer Methods | Online, Phone, Bank Account to Bank Account |
| Transfer Options | One off payments |
| Transfer Speed Minimum transfer time | 1 - 2 days |
| Banking Partner | ANZ |
| Customer Service | Phone, Email, Branch |
| Available Currencies | AUD, CAD, EUR, FJD, GBP, INR, JPY, NZD, SBD, TOP, USD, VUV, WST |
Before you sign up
You need to have an ANZ transaction account or credit card to send money overseas with ANZ. You can take a look at the ANZ Access Advantage account here. ANZ bank account here.
ANZ's exchange rates
ANZ offers real-time exchange rates when you send money overseas using ANZ Internet Banking, meaning the exchange rates are constantly updated. ANZ does charge a margin on top of the interbank exchange rate (known as the real exchange rate), with this margin varying between currencies.
The table below demonstrates an example of the exchange rates offered by ANZ for AUD$1, compared to the interbank exchange rate across a range of the most popular currencies. As you can see from the below exchange rates, ANZ has applied a margin of about 2% on top of the interbank exchange rate. This table serves as an example of the rates offered by ANZ only, and you should always source a quote for the current exchange rates offered by the bank and the full list of currencies available.
| Currency | ANZ Exchange Rate* | Interbank Exchange Rate* |
|---|---|---|
| United States Dollars (USD) | 0.7483 | 0.77 |
| Euros (EUR) | 0.6027 | 0.63 |
| British Pounds (GBP) | 0.5258 | 0.55 |
| Canadian Dollars (CAD) | 0.9413 | 0.98 |
| Hong Kong Dollars (HKD) | 5.874 | 6.08 |
| New Zealand Dollars (NZD) | 1.0182 | 1.05 |
| Indian Rupees (INR) | 48.46 | 50.66 |
*These figures were correct as of 12 April 2018 at 3:00pm.
How much does it cost to transfer money with ANZ?
ANZ offers a simple, transparent fee structure for its international money transfer service. Please see the table below for fees that apply when you send money internationally with ANZ.
Transactions less than $10,000 (AUD equivalent):
| Transfer | Fee charged |
|---|---|
| Through ANZ internet banking in AUD (any transaction amount) | $18 |
| Through ANZ internet banking in foreign currency | $12 |
| Through an ANZ branch or Foreign Exchange Centre | $32 |
| Through Phone Banking | $32 |
| Cancelling a transfer | $25+costs |
| Changing the details of an international money transfer | $25+costs |
| Sending AUD to Fiji, Samoa, Vanuatu, Kiribati, Tonga, Solomon Islands or Cook Islands | $9 |
Transactions $10,000 and over (AUD equivalent):
| Transfer | Fee charged |
|---|---|
| Through ANZ internet banking in AUD (any transaction amount) | $18 |
| Through ANZ internet banking in foreign currency | $0 |
| Through an ANZ branch or Foreign Exchange Centre | $32 |
| Through Phone Banking | $32 |
| Cancelling a transfer | $25+costs |
| Changing the details of an international money transfer | $25+costs |
| Sending AUD to Fiji, Samoa, Vanuatu, Kiribati, Tonga, Solomon Islands or Cook Islands | $9 |
Minimum transfer amount and available countries
The amount you can transfer overseas depends on your daily Pay Anyone limit, that you set up when registering your relevant ANZ account. For example, if you've set up a daily Pay Anyone limit on your ANZ transaction account of $10,000, you cannot send more than this per day via an international money transfer with ANZ.
For business customers, the maximum amount you can transfer overseas is $150,000.
Currencies available with ANZ (online)
- USD
- EUR
- GBP
- CAD
- CNY
- DKK
- FJD
- HKD
- INR
- IDR
- JPY
- KES
- MTL
- XPF
- NZD
- NOK
- PGK
- PHP
- SAR
- SGD
- SBD
- ZAR
- LKR
- SEK
- CHF
- THB
- AED
- VUV
- WST
- BHD
- BDT
- CZK
- HUF
- JOD
- MUR
- PKR
- PLN
- TOP
- MYR
- KRW
- MXN
- TRY
- OMR
- QAR
- HRK
- ILS
- KWD
Currencies available from ANZ (exchange centres)
- BHD
- BRL
- BND
- CLP
- CNY
- COP
- CZK
- EGP
- HUF
- ISK
- INR
- IDR
- JOD
- KES
- KRW
- MYR
- MUR
- NPR
- PLN
- LKR
- TWD
- TOP
- AED
- VND
What types of transfers can you carry out with ANZ?
The following transfer options are available:
- Transfers via 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.
- Transfers via Phone banking - You can facilitate international money transfers via ANZ Phone banking, if you'd like more support with your transfer.
- Through a branch or ANZ exchange centre - If you'd prefer to facilitate your transfer with ANZ in person, you can visit your local ANZ branch or ANZ exchange centre.
The following transfer options are not available:
- Recurring transfers. You cannot set up recurring international money transfers with ANZ. All transfers are processed as immediate transfers.
- Forward or future transfers. You cannot lock in a transfer for a future date.
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, MelbourneMelbourne Airport
Located at T2 International Departures and Arrivals
5.00am-12.30am, seven days a weekSydney
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 weekBrisbane
Tenancy A, 146 Queen Street Mall, Brisbane
Cnr Queen and Creek Streets, BrisbaneAdelaide
121 King William Street, Adelaide
112 Rundle Mall, AdelaidePerth
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. Then, follow the following steps to make a transfer:
1. Gather everything you need.
- Make sure you have the details you need to provide to ANZ, including:
- The amount you'd like to send and in which currency
- Your recipients full name, residential address and account number
- Details for your recipients bank including the name, address and SWIFT BIC or Branch Number
- IBAN (for payments to Europe) or Routing Number (for the US)
2. Facilitate the transfer. Log in to your ANZ Internet Banking (or call ANZ via Phone Banking) and facilitate the international transfer, by providing all the transfer details and accepting the transaction. You'll have an opportunity to review the current quoted exchange rate for your transfer before proceeding.
3. Transfer complete. ANZ will take care of the rest. You can track the status of your transfer via ANZ Internet Banking.
What are the pros and cons of using ANZ to send money overseas?
Pros
- 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 for personal service
- Large range of currencies (including exotic ones) available
- Transfers are backed by the ANZ Internet Banking Guarantee
Cons
- Exchange rates are not as competitive as some dedicated money transfer companies
- Cannot facilitate recurring international payments
Frequently asked questions about ANZ international money transfers
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.
Hi,
Can I have the SWIFT code for ANZ Bank Box Hill Branch?
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,
Liezl
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 finder.com.au 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.
Clarizza
Hi My Q is what’s the limit u can transfer into Australia
without declare it?
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.
Clarizza
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.
Hi,
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.
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.
Cheers,
Clarizza
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
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.
Clarizza
Hi,
I would like the swift code for overseas deposit into an ANZ acc in QLD
Thank you
Hi Kent,
Thanks for your question.
ANZ’s SWIFT Code: ANZBAU3M
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
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.
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?
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.
What is the ANZ Banks Swift Code number for a remittance from the UK ?
Hi Malcolm,
Thank you for contacting finder.com.au 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.
Regards
Jodie
Hi
I am waiting for funds to arrive from Australia to the UK it has been 4 days . How long does it usually take ?
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.