International money transfers (telegraphic transfers)

An ANZ International Money Transfer (also known as a Telegraphic Transfer) is an electronic transfer of funds to an overseas account, either held with ANZ or with another financial institution.

Please refer to the International Money Transfer Terms and Conditions (PDF 336kB) document for the International Money Transfer application form.

You'll need to provide the beneficiary’s name, address and account number and the beneficiary's bank details (including full branch address or the SWIFT BIC code).

For payments to Europe, you will be required to also provide an International Bank Account Number (IBAN). Please note, selected other countries (e.g. the UK) may also require an IBAN. 

ANZ International Money Transfers (IMTs) can be purchased using an ANZ transaction account or ANZ credit card, in three convenient ways.

1. ANZ Internet Banking - ANZ IMTs can be purchased online via 'International Services' in the 'Pay and Transfer' menu of ANZ Internet Banking (using an ANZ transaction account or ANZ credit card only).

To register for ANZ Internet Banking, you'll need a Customer Registration Number (CRN) and Telecode.

If you do not have a CRN and Telecode, please call 13 33 50 (International callers dial +61 3 9683 8833)  24 hours, 7 days a week.

Please refer to Internet Banking – transferring funds overseas FAQs for additional information.

2. ANZ Phone Banking - ANZ IMTs can be purchased using an ANZ transaction account via ANZ Phone Banking.

To begin enjoying the convenience of ANZ Phone Banking, you will need:

• a touch tone phone
• one or more linked ANZ accounts
• a CRN and Telecode.

To obtain your registration information, simply call 13 13 14 and a Customer Service Officer will be happy to assist you in getting started.

3. ANZ branches and ANZ Foreign Exchange Centres - ANZ IMTs can be purchased by visiting an ANZ branch or Foreign Exchange Centre (using an ANZ transaction account or ANZ credit card). Please refer to the International Money Transfer Request Form (PDF 336kB) document for the International Money Transfer application form.

It varies. All costs can be found on the ANZ Personal Banking General Fees and Charges (PDF 416kB) document.

Note that International payments sent via an overseas bank may also be subject to commissions, fees and other charges charged by that bank. Those commissions, fees or charges will generally be deducted by the overseas bank from the funds paid to the beneficiary.

The time it takes for the payment to be made to the beneficiary largely depends on how long it takes the beneficiary’s bank to credit the account.  Typically, if ANZ is provided by you with the correct information and does not need to contact you to confirm your instructions or your identity, the funds should reach the beneficiary’s account within 2-4 working days.

Please note, that weekends and public/bank holidays may delay the delivery of funds.

An IBAN is an International Bank Account standard adopted across all European banks. It is used for International payments to countries in the European Union. IBANs start with a two (2) letter country code and contain between fifteen (15) and thirty-four (34) letters and numbers. Please note, selected other countries (e.g. the UK) may also require an IBAN. 

With every payment to the European Union you must also supply the SWIFT (or BIC) address of the beneficiary bank. This identifies the head office of the beneficiary bank. This helps the payment go through as quickly as possible. 

If you do not have an IBAN or SWIFT BIC address, please request them from your beneficiary before proceeding with a transfer.

The IBAN should be presented as a continuous string of alphanumeric characters i.e. GB29NWBK60161331926819 is an example IBAN for the UK. 

IBANs across Europe

When completing payment instructions, please ensure that the beneficiary’s IBAN corresponds in length to the IBAN length as indicated in the following example table:

A SWIFT Bank Identifier Code (BIC) is the unique identification code of a particular bank. SWIFT BIC codes are used when transferring money between banks for international money transfers.

SWIFT BIC codes are commonly known as SWIFT codes.

The ANZ SWIFT code is ANZBAU3M.

The beneficiary’s bank can provide the appropriate SWIFT code in order to enable an International Money Transfer to reach the overseas account. Alternatively, SWIFT / Bank Identifier Codes can be looked up on the SWIFT website www.swift.com.

A routing number is a nine digit bank code used in the United States to identify a financial institution, it is also commonly known as an ABA or Fedwire number. Routing numbers are always nine (9) digits in length. You will need to request the routing number for your international transfer from the the person you're transferring money to.

In December 2006, new anti-money laundering and counter-terrorism financing (AML/CTF) legislation was passed in Australia. This new legislation requires financial institutions to implement new policies, procedures and reporting standards to better identify, mitigate and manage risks associated with money laundering and terrorist financing activities for International Money Transfers.