Transfer money internationally

Online

Telegraphic Transfers sent online in a Foreign Currency attract a fee of AUD $15. Intermediary banks may charge fees independently of Heritage Bank. 

In-person

Telegraphic Transfers sent in AUD to a country with a different currency will attract a fee of AUD $50. All payments sent in a Foreign Currency attract a fee of AUD $30. Intermediary banks may charge fees independently of Heritage Bank. 

To send money overseas using a Telegraphic Transfer, you will need to provide your residential address and the residential address for the receiver, as well as details of the account that the funds will be transferred to.

The details must be clearly communicated and 100% accurate. Any errors may increase the time taken for your payee to receive funds.

This includes:

• Beneficiary Bank Full Name
• Beneficiary Bank Full Address
• Account Number
• Beneficiary's Full Name
• Beneficiary's Residential Address
• Purpose (Reference)

You will also need to provide some additional information when sending a Telegraphic Transfer to the following countries:

Heritage customers can now send money overseas online in Heritage Online.

You'll need to be registered to receive with SMS Security to use this service. A service fee will apply as outlined in our Fees and Limits Guide.

Heritage Online

1. Login to Heritage Online
2. Go to the Transfers menu then select Transfer Money Internationally
3. Request a quote to transfer money internationally. You can select a saved payee here.
4. If you're adding a new payee, you'll need to provide detailed payment information including reference, the details of your payee and their bank details. You'll also be asked to provide a One Time Password (OTP) when setting up a new payee for security.
5. Review and confirm the payment details are correct.
6. Review the verification information. Do not proceed if you suspect a scam.
7. Click Confirm Transfer. You'll be shown a successful transfer message once the transfer is complete. 

Can’t see your account type?

International payments are available on a select range of Heritage transaction accounts, including our Simply Access transaction account.

We can also send Telegraphic Transfers in a range of minor currencies. For all available currencies view Western Union's Currency Capability Information Sheet or contact us.

Drafts are available in more than 24 currencies including: 

On average the cost is approximately $12.50. However, commissions are subject to change from time to time. To confirm the cost come in and talk to us today.

There are fees related to the stopping and re-issue of Drafts and you should refer to the Product Disclosure Statement for Drafts.

The exchange rate that will apply to the purchase of a foreign currency Draft varies from day to day and will be determined at the time of order.