ANZ transfer limit 2026: Complete guide
If you have an account with ANZ you can send digital, phone and in person payments, locally in Australia, and also overseas. There’s an ANZ transfer limit which applies to some payments, for security reasons. This guide covers ANZ maximum transfer amounts by payment type – and how you can raise your ANZ limits if you need to.
We’ll also touch on some alternative ways to send your money overseas, using providers like Wise and OFX. Using a specialist service like these can mean you get a fast, secure digital payment with high limits and great exchange rates.
Quick summary: ANZ transfer limits
- Personal payment limits apply on transfers made with the ANZ App and internet banking services
- The ANZ transfer limits on digital payments are set to 1,000 AUD maximum as a default, which can be raised to 25,000 AUD with additional security measures
- There are no ANZ bank transfer limits on payments sent overseas using phone banking
- Fees apply to some international transfers with ANZ, which may vary based on the value and destination of the payment
ANZ limits overview:
- ANZ daily transfer limit: No limits on phone banking international payments
- ANZ online transfer limit: 1,000 AUD maximum as a default, which can be raised to 25,000 AUD with additional security measures
- ANZ receiving limit: Not stated
ANZ large transfers: Pros and cons
| ANZ large transfers pros | ANZ large transfers cons |
|---|---|
| ✅ Send money online, in app and by phone
✅ You can change your digital payment limit if you prefer to send higher transfers online ✅ There’s no limit on phone banking transfers overseas ✅ ANZ covers some third party costs on some international transfers so you don’t have to |
❌ANZ payment limits for digital transfers are quite low, at 25,000 AUD maximum
❌ Exchange rates may include a markup ❌ Phone banking fees for international payments can be pretty high – up to 32 AUD |
ANZ has a comprehensive range of payment solutions, but you might find you can’t send your high value payment digitally if it exceeds the maximum digital payment amount. In this case you’ll need to use the phone banking service which has a higher fee compared to digital payments arranged online and in the ANZ app. If you’d prefer to avoid this, and want to stick with digital payment options, check out services like Wise and OFX. We’ll look at these options – and how they can help – later.
Can you send high value international transfers with ANZ?
Yes. You can send high value international transfers with ANZ.
You’ll be able to send payment online and in the ANZ app up to your account’s digital transfer limit, which is set to 1,000 AUD as a default but can be raised. For payments that are higher than 25,000 AUD you’re likely to have to use the ANZ phone banking service which has no upper limit, but which may have higher fees compared to a digital transfer.
ANZ high amount transfer fees
ANZ has a relatively complex pricing mechanism which varies depending on where you’re sending money to, the value of the payment, the currencies involved and the account you send from. You can check the costs of your transfer in the ANZ app which will also give an estimate of the third party fees you may need to pay.
Here’s a summary of the ANZ high amount transfer fees you’ll need to pay:
| Service | ANZ high amount transfer fees |
|---|---|
| Phone banking payment, under 10,000 AUD | Transfers to select countries** – 7 AUD
Sent in a foreign currency from an AUD account – 9 AUD Other payments – 32 AUD |
| Phone banking payment, over 10,000 AUD | Transfers to select countries** –
Sent in a foreign currency from an AUD account – 0 AUD Other payments – 7 AUD Transfers to other countries – Sent in a foreign currency from an AUD account – 0 AUD Other payments – 32 AUD |
| Online or mobile banking payment, under 10,000 AUD | Transfers to select countries** –
Sent in a foreign currency from an AUD account – 0 AUD Other payments – 7 AUD Transfers to other countries – Sent in a foreign currency from an AUD account – 9 AUD Other payments – 18 AUD |
| Online or mobile banking payment, over 10,000 AUD | Transfers to select countries** –
Sent in a foreign currency from an AUD account – 0 AUD Other payments – 7 AUD Transfers to other countries – Sent in a foreign currency from an AUD account – 0 AUD Other payments – 18 AUD |
| Exchange rate | ANZ rate, which may include a fee |
| Third party costs | Other banks involved in processing the payment may also deduct fees
You can calculate the linked cost in the ANZ app |
*Details correct at the time of research – 7th October 2025
**Cook Islands, Fiji, French Polynesia, Guam, Kiribati, New Caledonia, Papua New Guinea, Samoa, Solomon Islands, Timor Leste, Tonga and Vanuatu
ANZ exchange rate for international transfers
ANZ sets its own exchange rate which may mean that there’s a variable fee added to the mid-market rate you’d find online or using a currency converter tool. You can check the ANZ exchange rate for your transfer online or in the ANZ app, and compare it to other providers to see which is best for your specific payment.
It’s good to check the exchange rates available for high value payments in particular as a small change in the rate you’re assigned can make a really big difference to the overall cost of your payment. Compare a few options – including providers like Wise which don’t add any fees to the exchange rates available, but split out the fees you pay as a separate line for transparency.
Is ANZ safe for large amount transfers?
Yes. ANZ is a safe and trusted provider which also uses high level security for processing international payments. When you send a digital transfer you’ll need to use additional security measures to send more than 1,000 AUD, which helps prevent fraud and keep your account safe.
ANZ transfer limits
ANZ transfer limits apply on international payments. Where there are limits, these are a combined total applied to several different transfer types. Including:
- Domestic payments in AUD, including PayID payments
- International payments
- Money you send to an ANZ Plus Everyday, ANZ Plus Growth Saver or ANZ Plus Flex Saver account (including your own)
Limits don’t apply on BPay transfers and some payments between accounts in your own name. Here’s a summary of the transfer limits you’ll need to know about:
| International transfer type | ANZ transfer limits |
|---|---|
| ANZ phone banking transfer limit | No limits on phone banking international payments |
| ANZ online transfer limit | 1,000 AUD maximum as a default, which can be raised to 25,000 AUD with additional security measures |
*Details correct at the time of research – 7th October 2025
Alternatives to ANZ with higher transfer limits
ANZ can help you send your international transfers to many countries globally – but to unlock the highest ANZ transfer limits you need to use the phone banking service which may mean paying a higher fee compared to digital payments. Before you decide to send your money with ANZ, compare some alternatives like these, to see if you can get a secure, fast payment with a higher limit and a lower overall cost:
| Providers | International transfer limits from AUD | Transfer methods | Transfer fees & exchange rates |
|---|---|---|---|
| ANZ | Up to 25,000 AUD/day digitally, with no limit on phone transfers | Bank deposit | Variable fees based on currency, value and destination
Exchange rates may include a markup |
| OFX | Usually unlimited | Bank deposit | 15 AUD for transfers under 10,000 AUD in value
Exchange rate may include a markup |
| Revolut | Usually unlimited | Bank deposit | Variable transfer fees plus currency conversion costs as applicable
Revolut rate to plan limit, then 0.5% fees apply 1% out of hours fee may apply |
| Wise | Up to 5 million AUD or more depending on payment method | Bank deposit | Fees from 0.63%
Mid-market exchange rate |
*Details correct at the time of research – 7th October 2025
OFX
OFX is well known as a specialist provider which offers excellent service, including a 24/7 phone contact option. You can send payments to 170+ countries, and there’s not usually any OFX limit on the amount you can transfer. OFX waives its transfer fee on payments of 10,000 AUD or more, with a fee of 15 AUD for most payments under this amount.
- OFX supports personal and business payments to 170+ countries
- High value transfers over 10,000 AUD have no transfer fee
- Arrange your payment online, in app or by phone
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Usually unlimited |
| Outgoing international transfer fee | 15 AUD for transfers under 10,000 AUD in value |
| Exchange rate | OFX rate – may include a small markup |
| Incoming international transfer limit | Service available for business customers only |
| Incoming international transfer fee | Service available for business customers only |
*Details correct at the time of research – 7th October 2025
Revolut
Revolut Australia has several different account tiers which include personal plans with no monthly fees, and some with ongoing charges which unlock additional features. You can send payments which have variable fees depending on your plan type, and all accounts qualify for some weekday currency conversion which uses the Revolut rate without additional fees. If you convert currencies beyond your plan limit you may pay a 0.5% fair usage fee, and out of hours conversions attract a fee of 1%.
- Choose from different plans, including some which offer a discount on Revolut transfer fees
- Send to 150+ countries in 40+ currencies
- Usually no limits apply on incoming and outgoing transfers
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Usually unlimited – if a limit applies based on your account type and the currency involved, you’ll see it in the app |
| Outgoing international transfer fee | When sending payments in the local currency of the country:
0.15% – minimum fee of 0.9 AUD to 4.9 AUD applies, maximum fee of 500 AUD When sending in a currency other than the currency of the country: 4 AUD – 8 AUD flat fee Some plans offer discounts on transfer fees |
| Exchange rate | Weekday conversion uses the Revolut rate to plan limit, then a fair usage fee of 0.5% begins
1% out of hours fee applies |
| Incoming international transfer limit | Usually unlimited – if a limit applies based on your account type and the currency involved, you’ll see it in the app |
| Incoming international transfer fee | No Revolut fee |
*Details correct at the time of research – 7th October 2025
Wise
Wise is a specialist in sending international payments, and also offers ways to receive incoming payments in a selection of foreign currencies. Wise has high limits which allow you to send up to 5 million AUD per transfer, and converts your AUD to the currency required for deposit using the mid-market rate.
There’s a dedicated Wise large transfer support team on hand if you need help sending a larger payment, and you can get an automatic discount on payments of 40,000 AUD or more.
- Mid-market exchange rates and low fees for overseas payments to 140+ countries
- Discounts available when sending 40,000 AUD or more over the course of a month
- High payment limits up to 5 million AUD+ per transfer
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Bank transfers – up to 1.8 million AUD
Card – up to 18,000 AUD PayID – up to 50,000 AUD RTGS – no limit Wise account – up to 5 million AUD |
| Outgoing international transfer fee | From 0.63% with discounts on payments over 40,000 AUD |
| Exchange rate | Mid-market rate |
| Incoming international transfer limit | Usually unlimited – receive with local details in 8+, and with SWIFT details in 20+ currencies |
| Incoming international transfer fee | No fee to receive with local currencies
Low, fixed fees apply to receive SWIFT payments and USD wires |
*Details correct at the time of research – 7th October 2025
How long do large transfers take with ANZ?
Generally payments sent overseas with ANZ arrive in about 2 business days.
You can track your payment in the ANZ app to see how it’s getting on. Some payments are subject to longer delivery times which may be outside of ANZ’s control.
How to send a large amount transfer with ANZ
You can send an ANZ international payment by phone banking or using the online and mobile banking services. If you use the phone service, the team member will talk you through what’s required and support your transfer.
For digital payments you’ll use the self service option – here’s how to make an international transfer digitally with ANZ:
- Log in to ANZ Internet Banking
- Select Payments and then International services
- Select Transfer funds overseas and choose the account the money is coming from
- Choose an existing payee, or add a new payee if you’re sending to a new person
- Select the currency and the amount you wish to transfer
- Review the exchange rate and estimated fees
- Follow the prompts to confirm the transfer
Information needed to send large amounts of money with ANZ
When you send a payment overseas with ANZ you’ll need to have some information about the recipient to make sure the money arrives safely.
Here’s what you’ll need to have to hand:
- Recipient’s full name and address
- The name and address of the receiving bank
- Recipient’s account number/IBAN
- Recipient’s bank SWIFT/BIC code
You might also need extra information like the reason for the payment, depending on the country you’re sending to. In some cases, high value payments require some documents to show the source of the funds being sent. If this is needed you’ll be asked by the bank staff, or guided through the process through online prompts.
Is it possible to increase ANZ transfer limits?
You can increase your ANZ digital transfer limit from 1,000 AUD to 10,000 AUD. Or you can use ANZ Shield to add more security to your account, and then raise the digital payment limit to 25,000 AUD.
Some accounts let you raise your digital payment limit higher than this, but in this case the increase may only be permitted on a temporary basis. You’ll see this option in your account if it’s available to you.
How to increase ANZ transfer limits
The easiest way to increase ANZ transfer limits is online or in the ANZ app:
- Log in to ANZ Internet Banking
- Select Payments
- Select Change my Pay Anyone limit
- Follow the prompts to set your new limit
How to receive large transfers with ANZ
A fee of up to 15 AUD may apply to receive a payment to an ANZ account. In some cases the sender can opt to pay this charge for you.
Here’s what you need to give to the sender to be able to receive large payments into an ANZ account:
- Your ANZ branch name and address
- Your account name and full account number
- The ANZ SWIFT code: ANZBAU3M
Alternatives to ANZ for receiving large payments
Receiving a payment to ANZ from overseas may mean paying a fee, and will also require you to have your payment converted to AUD for deposit. This isn’t always convenient and might involve a charge added to the exchange rate used by ANZ, the sender’s bank, or a third party bank.
If you’d prefer to receive an international payment in a foreign currency without conversion you may prefer to use an alternative provider like Wise or Revolut.
- Wise Account review: Receive payments with account details in 20+ currencies, often with no limit on the incoming transfer amount.
- Revolut Account review: Receive payments in AUD and EUR with local account information, and SWIFT transfers in around 25 other supported currencies.
ANZ business payments limits
The ANZ business payments limits which apply depend on the type of transfer you’re making and the way you’ve set up your account. Here’s a summary:
| Transfer type | ANZ business payments limits |
|---|---|
| Digital transfer | 5,000 AUD default limit per day
Can be raised to 25,000 AUD per day |
| Digital transfer with ANZ Shield | Can be raised to 50,00 AUD per day |
| Phone transfer | No limit |
*Details correct at the time of research – 7th October 2025
ANZ customer support for high amount transfers
Here’s how to get ANZ customer support for high amount transfers:
- Call the ANZ International Support Centre on 1800 681 683 or +61 3 8565 7229
- Visit any ANZ branch to ask for face to face help – you may be referred to the phone banking team for some questions
Conclusion: Does ANZ have transfer limits?
ANZ has some limits on the payments you make from your account, which are applied for security reasons. You can send up to 1,000 AUD digitally as a default if you’re a personal customer, or you may be able to increase your limits to as much as 25,000 AUD if you get ANZ Shield. You can also send an unlimited amount using the ANZ phone banking service.
Before you send your money with ANZ, shop around to make sure you’re getting the best available deal. Other providers like Wise and OFX can offer digital payments with far higher limits, which may also have faster delivery times and lower overall costs.
ANZ international transfer limits FAQs
How much can I transfer with ANZ internationally online?
As a personal customer you can send as much as 25,000 AUD overseas if you get ANZ Shield. If you need a higher digital payment, you may prefer providers like Wise and OFX.
What is the maximum amount you can transfer abroad with ANZ?
You can send an unlimited amount overseas with ANZ if you use their phone banking service.
How can I increase the ANZ maximum transfer limit?
You can adjust your digital daily payment limit with ANZ if you add ANZ Shield as an extra layer of security. You’ll be able to get this sorted, and change your account limits, in the ANZ app.
