ANZ International Transfers: Fees, Limits and How It Works

How to send an ANZ international transfer

ANZ's own page describes its International Money Transfer product as sending 'money in 30 currencies to over 250 destinations through ANZ's trusted network' (anz.com.au, as at September 2026). You can send it three ways: the ANZ Plus app, ANZ Internet Banking, or ANZ Phone Banking. In each, you add the recipient's account details and the amount, and ANZ shows you the rate and fee before you confirm.

There is no minimum transfer amount for an ANZ International Money Transfer. ANZ's own FAQ also states you can't use a credit card to fund one, and you can't schedule a recurring or future-dated ANZ IMT — each transfer has to be set up individually at the time you want to send it.

Fees by channel

ANZ's fee depends on the channel and whether the payment converts currency (anz.com.au, as at September 2026):

1. ANZ Plus app — $0 if sent in a foreign currency, up to $15 if sent in AUD.
2. ANZ Internet Banking — $0 if sent in a foreign currency, $18 if sent in AUD.
3. ANZ Phone Banking — $0 if sent in a foreign currency, $32 if sent in AUD.
4. Payments to Pacific destinations (Cook Islands, Fiji, French Polynesia, Guam, Kiribati, New Caledonia, Papua New Guinea, Samoa, Solomon Islands, Timor-Leste, Tonga and Vanuatu) via Phone Banking or Internet Banking — $0 in foreign currency, $7 in AUD.
5. ANZ V2 Plus Service Centre — a $32 ANZ transfer fee applies.

ANZ also states it covers the correspondent bank fee on foreign-currency transfers sent via the Plus app, Internet Banking and Phone Banking 'for selected currencies/destinations,' publishing $0 correspondent fees to the US and euro-area destinations specifically, plus region-based tables covering other currencies including GBP, INR, PHP, NZD and FJD. ANZ's own marketing line for this is 'ANZ will cover the correspondent fees for transfers sent in a foreign currency via ANZ Plus app, ANZ Internet Banking and ANZ Phone Banking for selected currencies/destinations' — the word 'selected' is doing real work there, since it's a published list of currency-and-destination pairs rather than a blanket promise covering every corridor.

How ANZ sets your exchange rate

ANZ does not publish a fixed percentage margin. Instead, its own FAQ describes a rate-lock window: 'When you request an ANZ International Money Transfer using the ANZ Plus app we lock in your quoted rate for 8 minutes and for 10 minutes if you're using ANZ Internet Banking. This gives you time to complete the transfer. When the clock runs out, the rate will expire and you'll need to request a new one' (anz.com.au, as at September 2026).

ANZ describes this as 'competitive FX rates' with 'clear, upfront pricing' — the rate and total cost are shown before you confirm, but the rate itself is set by ANZ at the moment of the quote, not published as a standing margin anywhere on its site.

Transfer limits and how to raise them

ANZ's limit depends entirely on the channel (anz.com.au, as at September 2026):

1. ANZ Plus app — up to $30,000 by default. A temporary increase above $30,000 is available, but it applies only until 11:59pm AEST/AEDT on the day it's set.
2. ANZ Internet Banking — your daily 'Pay Anyone' limit for International Money Transfers can be set between $1,000 and $10,000 from your Internet Banking settings. Downloading the ANZ Shield app raises this to $25,000.
3. ANZ Business Internet Banking — a maximum daily limit of $150,000 for an International Money Transfer, regardless of the account's general daily limit.
4. ANZ Phone Banking — ANZ's own page states there is no maximum limit on transactions made this way, though a credit card cannot fund a transfer through this channel.

For anything above these ceilings, ANZ's page directs personal customers to change their Pay Anyone limit in Internet Banking settings or, for the higher personal ceiling, install the ANZ Shield app.

How long it takes, and the fast corridors

ANZ's own FAQ names four corridors where transfers move unusually fast: 'Transfers should arrive in minutes when sending NZD to New Zealand, INR to India, GBP to the UK and PHP to the Philippines' (anz.com.au, as at September 2026). Outside those specific currency-and-destination pairs, standard SWIFT timing applies and delivery depends on the receiving bank as much as ANZ.

For someone expecting a payment, ANZ's own guidance is that 'the time it takes for funds to arrive depends on the destination and financial institution sending the transfer,' and that 'only the sender can track the payment and confirm when it was sent.' ANZ does not publish a single cut-off clock time for outgoing transfers on the pages checked this month; for ANZ Internet Banking for Business specifically, transfers must be authorised the same day they're lodged or they expire.

'ANZ telegraphic transfer' is not the international product

If you've searched 'telegraphic transfer ANZ,' this is worth knowing before you go further: at ANZ, this phrase describes a specific DOMESTIC product, not sending money overseas. ANZ's own support page describes a 'Domestic Telegraphic Transfer' as a way to 'send funds to an account with another financial institution within Australia,' usually processed 'within two business days,' for a $28 fee (anz.com.au, as at September 2026). That is an Australia-to-Australia payment, structurally separate from an ANZ International Money Transfer.

The product you want for sending money out of the country is the ANZ International Money Transfer described throughout this article — never called a 'telegraphic transfer' on ANZ's own international-payments pages. If a form or an overseas contact has specifically asked you for a 'telegraphic transfer,' check whether they mean a same-currency SWIFT payment in the generic industry sense (a term other banks, like NAB and Bendigo, use as their own international product name) rather than ANZ's own domestic product specifically.

What ANZ shows you before you confirm, and its fraud guarantee

ANZ's own FAQ describes the quote step as: 'Get an upfront quote with fees (including estimated correspondent fees) and foreign exchange rates so you know what you will be paying without any surprises at the end' (anz.com.au, as at September 2026). It also states you can 'get the estimated arrival time before making your transfer,' and that using the ANZ Plus app specifically lets you 'stay up to date with the status of your transfer with the in-app payment tracker.'

On security, ANZ's page states: 'ANZ Falcon® monitors transactions 24/7 to detect and prevent fraud. Every payment is backed by ANZ's fraud money-back guarantee' — a product feature disclosed on the same page as the fees and limits above, not a claim this article is making on ANZ's behalf.

Receiving money from overseas into an ANZ account

To receive a payment, give the sender your ANZ BSB and account number and ANZ's SWIFT code, ANZBAU3M (or ANZBAU3MXXX where a sender's system needs 11 characters) (anz.com.au, as at September 2026). If the payment is equivalent to AUD 300 or more, ANZ may charge a fee of up to $15, deducted from the amount you receive unless the sender has elected to cover it themselves.

ANZ's own guidance for a recipient is limited: 'the time it takes for funds to arrive depends on the destination and financial institution sending the transfer,' and only the sender can track the payment and confirm when it left their own bank.

When a specialist provider works differently

A specialist FX provider sits outside ANZ's own Pay Anyone limit structure — OFX's own FAQ, for example, states it does not enforce a maximum transfer limit, only noting that 'bank daily transfer limits may apply' on the funding side (ofx.com, as at September 2026), which matters if what's actually stopping a larger one-off payment is ANZ's own $10,000 (or $25,000 with ANZ Shield) Internet Banking ceiling rather than the total amount you need to send.

Is ANZ's telegraphic transfer the same as an international transfer?

No. ANZ's 'Domestic Telegraphic Transfer' sends money within Australia in about two business days for a $28 fee. The product for sending money overseas is the ANZ International Money Transfer, described throughout this page.

What is ANZ's SWIFT/BIC code?

ANZBAU3M (ANZBAU3MXXX where 11 characters are required).

What is the minimum amount I can send with an ANZ International Money Transfer?

ANZ's own FAQ states there is no minimum transfer amount.

Can I set up a recurring ANZ international transfer?

No. ANZ's own FAQ states it is not possible to schedule a recurring or future-dated ANZ International Money Transfer — each one has to be set up individually.

Does ANZ charge to receive money from overseas?

A fee of up to $15 may apply on payments equivalent to AUD 300 or more, deducted from the amount received unless the sender covers it.

What is ANZ's daily limit for sending money overseas?

It depends on the channel: up to $30,000 on the ANZ Plus app, $1,000–$10,000 (or $25,000 with ANZ Shield) on Internet Banking, $150,000 on Business Internet Banking, and no stated maximum on Phone Banking. See our comparison of bank transfer limits for how this sits against NAB, Westpac, CommBank and Suncorp.

Can I track my ANZ international transfer?

If you send it through the ANZ Plus app, ANZ's own FAQ says you can follow its status using the in-app payment tracker. Outside the Plus app, ANZ's own guidance is that only the sender can track the payment directly with ANZ; a recipient has to wait for it to arrive.

How many currencies can I send with ANZ?

ANZ's own page describes its International Money Transfer as sending money in 30 currencies to over 250 destinations.

Do I need to authorise an ANZ Business International Money Transfer the same day?

For ANZ Internet Banking for Business, yes — ANZ's own guidance is that overseas transfers must be authorised on the same day they're lodged, or they expire and need to be re-entered.

Can I use a credit card to fund an ANZ International Money Transfer?

Not through ANZ Phone Banking — ANZ's own FAQ states a credit card can't be used on that channel. Where a credit card can be used on another channel, ANZ's own FAQ says the transfer is treated as a cash advance and earns no ANZ Rewards or ANZ Frequent Flyer points.