ANZ International Money Transfers

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 NameANZ International Money Transfer
Min. Transfer AmountAUD 0
Max. Transfer AmountAUD 1,000,000
Transfer MethodsOnline, Phone, Bank Account to Bank Account
Transfer OptionsOne off payments
Transfer Speed
Minimum transfer time
1 - 2 days
Customer ServicePhone, Email, Branch
Available CurrenciesAUD, 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'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.

Take a look at the live foreign exchange rates for ANZ.

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):

TransferFee 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):

TransferFee 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, 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. 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.

Find out what you'll need to receive an international transfer to an ANZ account.

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 for personal service
  • 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
  • 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.

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57 Responses

  1. Default Gravatar
    PJNovember 16, 2018

    I want to do an international transfer from my ANZ AUD account to Thai Bank account.
    Should I be sending in AUD or Thai Baht for the best conversion rate?

    • Avatarfinder Customer Care
      CharisseNovember 18, 2018Staff

      Hi PJ,

      Thanks for reaching out to finder.

      Generally, you will have better chances of getting the best conversion rate if you do the conversion (AUD to THB) prior to sending as this will allow you to lock in the conversion rate when the rate is good.

      If you choose to send the money in AUD, conversion rates to THB will be subject to change and will depend on the current conversion rate the Thai bank is using.

      I hope this helps.


  2. Default Gravatar
    bocockOctober 12, 2018

    I want to transfer about 600,000 A$ to UK. What is most economical way?

    • Avatarfinder Customer Care
      JoshuaOctober 17, 2018Staff

      Hi Kendacie,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      If you are looking a cheap way to send money to the UK, you may want to check this page. On that page, you will be able to compare money transfer options between Australia and the UK. There’s a comparison table which you can use. Click on the “Go to site” green button of your chosen provider to be redirected to their website.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  3. Default Gravatar
    WarrenApril 26, 2017


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

    • Default Gravatar
      LiezlApril 26, 2017

      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,

  4. Avatarfinder Customer Care
    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.


  5. Default Gravatar
    RaySeptember 26, 2016

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

    • Avatarfinder Customer Care
      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.


    • Avatarfinder Customer Care
      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.

  6. 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.

    • Avatarfinder Customer Care
      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.


  7. 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

    • Avatarfinder Customer Care
      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.


  8. Default Gravatar
    KentJune 9, 2016

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

    • Avatarfinder Customer Care
      ShirleyJune 10, 2016Staff

      Hi Kent,

      Thanks for your question.

      ANZ’s SWIFT Code: ANZBAU3M

  9. 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

    • Avatarfinder Customer Care
      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.

  10. 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?

    • Avatarfinder Customer Care
      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.

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