How to Transfer Money Overseas Through ANZ

By the end of this article you should have a much better idea of how to make an international money transfer with ANZ.

When it comes to sending money internationally, you have plenty of choices. One way to exchange your money and transfer it overseas is through the Australia and New Zealand Banking Group, or ANZ. Here’s our simple guide on exactly how to do a money transfer with ANZ.


How to make an international transfer with ANZ

There are a couple of ways to make an international transfer through ANZ Bank:

1. Online: through online banking service via ANZ's website

  1. Log into ANZ’s online banking portal here.
  2. Go to the “Payments” menu.
  3. Look for “International Services”
  4. Choose to "Transfer funds overseas"
  5. Select which account or card that will fund (pay for) the transfer
  6. Input all of the relevant details for the recipient and their bank.
  7. You’re done!

2. Over the phone: ANZ call centre

  1. You can use your ANZ Account to arrange international money transfers over the phone.
  2. Call ANZ Bank on 1800 352 535 in Australia (Monday to Friday 8.00am to 7.30pm AEST).
  3. Give the customer service agent your details and security information.
  4. Give all the relevant details for the recipient and their bank.
  5. Fund your transfer with your bank account or ANZ credit card.
  6. You’re done!

View currency exchange rates for ANZ Bank

Daily rates for transferring funds internationally through ANZ Bank are available through their currency converter.

The currency exchange rate you will get changes from moment to moment. However, with ANZ you will get the up-to-date, dynamic rate when you are booking your transfer through online banking or over the phone.

ANZ fees for transferring money overseas

For ANZ customers sending foreign currency overseas through internet banking, it will cost $9 for transactions under AUD$10,000. For transfers over AUD$10,000, ANZ doesn't charge a fee. However, they charge additional fees for international money transfers that can depend on 4 things:

  1. How you transfer: Online, over the phone or in branch
  2. How much you transfer: Transfers over $10,000 Australian dollars are cheaper and often fee free
  3. Where you are transferring the money to: International payments to Fiji, Samoa, Vanuatu, Kiribati, Tonga, Solomon Islands, Cook Islands, Timor Leste, French Polynesia, Guam, New Caledonia and Papua New Guinea attract lower fees
  4. What currency you are sending: Transfers in Australian dollars (AUD) have higher fees

For more information, go to the fee section of this page.

Cheaper alternatives to transferring money internationally with ANZ Bank

If you already bank with ANZ, using them to transfer money from overseas is the easiest option – but it may not be the cheapest.

To work out if you can save any money by using a money transfer company instead of ANZ, compare the exchange rates and fees at ANZ to your other options.

Related video: Cheaper alternatives to ANZ

What you need to send money through ANZ to a foreign bank account

Have an ANZ bank account

You need to be a customer of ANZ to use their services. You can apply for an ANZ bank account online or visit a local branch.

Register to send money overseas

To transfer money internationally with ANZ Bank, you need to register for the “Send Money Overseas” service and for their OnlineCode, a “two-factor authentication” system that provides additional security for online banking.

  1. To register for the Send Money Overseas service you can call ANZ Bank on 0800 368 524 (personal customers), or 0800 269 249 (business/agri customers) or +64 4 470 3142 (overseas customers).
  2. Here’s how to register for OnlineCode.

Understand how much money you’re sending and who you’re sending it to

  1. Review your bank account and finances to understand how much you need to send.
  2. Work out what currency you’re going to be transferring money into.
  3. Get the full name, address, and account number of the person or business you’re sending money to. This cannot be a P.O. Box.
  4. Get the full bank name, address, and SWIFT BIC (Bank Identifier Code) or Branch Number (some countries accept this) of the recipient’s bank.
  5. Get the IBAN (for payments to Europe and selected other countries) or Routing Number (for payments to the US).
  6. Destination countries sometimes have extra information requirements for transferring funds. This information varies depending on the country you have chosen to transfer funds to.

ANZ IBAN number

IBAN is an account format used by European banks. Australian banks do not use this format and an IBAN is not required to send money to an ANZ bank account in Australia. Other parties with an IBAN field on their overseas payment form can simply leave this field blank.

ANZ routing number

You may need a National Clearing Code, Routing Number, BSB Number or Sort Code. This is the first six digits (bank and branch codes) of your account number for which you wish to receive the payment into. For example, if the account number is 01-0123-0123456-00 use 010123.

ANZ international SWIFT code

You shouldn't need ANZ's SWIFT code for making a transfer overseas. Generally this is only needed when you're transferring money back into Australia.

ANZ address for international transfers

When it comes to making an international money transfer through ANZ, you shouldn't need ANZ's address. You will most likely need the address of the receiving bank account. If you do need ANZ's address, find out the address of your local branch.

Notes on international bank drafts or cheques

International bank cheques or drafts can be deposited into an ANZ account. It can be a lengthy process. If it is in a foreign currency it will take longer to process, because it will need to be returned to the country of origin for clearing. Additionally, the fees associated with these types of payments are very high. As a result, we never suggest using international bank drafts or cheques. It's far better to use a different payment method.

Advantages of sending money internationally with ANZ Bank

  • Very convenient if you already have an ANZ bank account.
  • It’s a simple and straightforward process.
  • You can make transfers online.
  • You’re protected by the ANZ Fraud money back guarantee.
  • You can get access to the ANZ Shield app.
  • Send money to over 90 countries around the world.
  • Funds are sent through the worldwide bank network and are protected by a “two factor authentication” system.

Disadvantages of transferring money abroad with ANZ Bank

  • Higher fixed fees than a dedicated currency exchange provider.
  • Worse exchange rates than a specialist money transfer company.

ANZ bank disclaimers

ANZ Bank does not check payment details.

If payment details are incorrect it may result in an unsuccessful transfer or the wrong account receiving funds. It's pivotal that you provide the correct details to the person making the payment. This will save time for both parties and ensure you receive your payment without any issues.

Further information on sending money internationally with ANZ Bank

International currencies supported by ANZ Bank

Here’s the current list of currencies that ANZ Bank supports.

  • AUD – Australian Dollar
  • CAD – Canadian Dollar
  • CHF – Swiss Franc
  • DKK – Danish Krone
  • EUR – Euro
  • FJD – Fiji Dollar
  • GBP – Great British Pound
  • HKD – Hong Kong Dollar
  • INR – Indian Rupee
  • JPY – Japanese Yen
  • KWD – Kuwaiti Dinar
  • LKR – Sri Lanka Rupee
  • MUR – Mauritius Rupee
  • NOK – Norwegian Krone
  • PGK – Papua New Guinea Kina
  • PHP – Philippine Peso
  • SAR – Saudi Riyal
  • SBD – Solomon Islands Dollar
  • SEK – Swedish Krona
  • SGD – Singapore Dollar
  • THB – Thai Baht
  • TOP – Tonga Pa’anga
  • USD – US Dollar
  • VUV – Vanuatu Vatu
  • WST – Samoan Tala
  • XPF – CFP Franc
  • ZAR – South African Rand


If your currency is not available, contact ANZ Bank on 0800 103 123 or +64 4 472 7123 (if you are overseas), or visit your nearest ANZ branch.


And that’s it! That is everything you need to know about transferring your money overseas using ANZ. Here at The Currency Shop, we want to give you the right information to help you save money and make an informed choice for all your currency exchange needs.

The next time you or someone else needs to send money internationally, check how much you can save using our money transfer comparison tool. If you’ve still got questions we’re here to help, so feel free to give us a call on 1800 004 930.