Transfer money internationally

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. 

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

To request a Telegraphic Transfer, you will need to complete the Telegraphic Transfers Order Form, 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.

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:

• Europe: International Bank Account number (IBAN) – the IBAN incorporates the bank, sort code and account number
• United Kingdom: IBAN
• New Zealand: Bank code
• Malaysia: National ID number or Company number
• USA: ABA or routing code

Code	Currency
AED	United Arab Emirates Dirham
CAD	Canadian Dollar
CHF	Swiss Francs
DKK	Danish Krone
EUR	Euro
FJD	Fijian Dollar
HKD	Hong Kong Dollar
JPY	Japanese Yen
NOK	Norwegian Krone
NZD	New Zealand Dollar
SEK	Swedish Krona
SGD	Singapore Dollar
THB	Thai Baht (Govt. Restrictions)
GBP	British Pounds Sterling
USD	United States Dollar
ZAR	South African Rand

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.

Major currencies may take 3-4 business days. Minor/exotic currencies may take up to 10 business days. Please note these are only indicative timeframes.

Drafts are available in more than 24 currencies including: 

Code	Currency
AED	United Arab Emirates Dirham
AUD	Australian Dollar
BHD	Bahraini Dinar
CAD	Canadian Dollar
CHF	Swiss Francs
DKK	Danish Krone
EUR	Euro
FJD	Fijian Dollar
GBP	British Pounds Sterling
HKD	Hong Kong Dollar
INR	Indian Rupee
JPY	Japanese Yen
KES	Kenyan Shilling
MXN	Mexican Peso
NOK	Norwegian Krone
NZD	New Zealand Dollar
PHP	Philippine Peso
SAR	Saudi Arabian Riyal
SEK	Swedish Krona
SGD	Singapore Dollar
THB	Thai Baht
USD	United States Dollar
XPF	Tahitian Franc
ZAR	South African Rand

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.