Receiving Money From Overseas Into an ANZ Account

What to give the person sending you money

ANZ's international-payments FAQ answers this in one place: "To receive an international money transfer, you'll need to provide: Your account name. The address linked to your account. Your BSB and account number. The SWIFT code: ANZBAU3M or ANZBAU3MXXX." Give the sender:

1. Your account name.
2. The address linked to your ANZ account.
3. Your BSB and account number.
4. ANZ's SWIFT code: ANZBAU3M, or ANZBAU3MXXX if the sending bank's system needs an 11-character code.

ANZ's page doesn't ask for a separate branch or postal address on top of the address already linked to your account — the four items above are what its own guide treats as complete. Keep this exact wording somewhere you can copy and send, since a wrong digit in the BSB or account number is the most common reason a transfer is delayed or returned.

ANZ's fee to receive an international transfer

As published on anz.com.au (checked September 2026), ANZ states: "If you receive a payment from an overseas account equivalent to AUD300 or more, a fee of up to $15 may apply. Unless the sender elects to cover the fee, this amount will be deducted from the amount transferred to you." ANZ's page doesn't list a receiving fee below AUD300, which reads as no fee applying under that line, though it's worth confirming directly with ANZ if your expected transfer is close to it.

On ANZ's own sending side, sending in a foreign currency is free through the ANZ Plus app or ANZ Internet Banking, while sending Australian dollars costs up to $15 through the app or $18 through Internet Banking. Our guide to ANZ international transfer fees how it works covers ANZ's sending fees and limits — including the $30,000 ANZ Plus app limit and the higher limits available with ANZ Shield — in full.

What a correspondent bank can take before it reaches ANZ

ANZ publishes one of the more detailed correspondent-fee breakdowns of any Australian bank, listed by currency and by destination region. ANZ's page states there are "$0 correspondent fees to all destinations" for USD and EUR transfers, and to specific countries for currencies including GBP, INR, PHP, NZD and FJD — but for other currencies and destinations its own examples list fees such as CAD 18 for Canadian dollars and ZAR 210 for South African rand, charged in the currency being sent rather than in AUD.

This is why the amount that lands in your ANZ account can be less than what the sender says they sent, on top of ANZ's own up-to-$15 fee above AUD300. Our guide to why did I receive less money than sent international transfer covers how this correspondent-fee chain generally works across providers.

If the transfer hasn't shown up

ANZ's own page is unusually direct here: "The time it takes for funds to arrive depends on the destination and financial institution sending the transfer. Only the sender can track the payment and confirm when it was sent. If you're waiting on money that hasn't arrived, please contact the sender directly for an update." In practice:

1. Check ANZ Internet Banking, the ANZ Plus app or ANZ Phone Banking for a pending transaction before assuming nothing has happened.
2. Ask the sender to confirm with their own bank exactly when the payment was sent and to get the payment reference — ANZ's own page is explicit that this tracing is the sender's job, not ANZ's, because ANZ only sees the payment once it actually arrives.

ANZ's page separately notes it can reject an incoming transfer — for "incomplete or missing information," if "the sending financial institution cancelled the payment," or if "your account is closed" — so if the sender confirms the payment was sent and it still hasn't appeared, a rejection sent back to their bank is one possibility worth them checking.

Why PayID won't work for this

An ANZ PayID only resolves inside Australia's own domestic payments system — an overseas sender's bank has no way to look it up, and there's no PayID field on an international wire transfer form. Give the sender your account name, the address linked to your account, your BSB and account number, and ANZ's SWIFT code instead, as set out above. Our guide to can I use PayID for an international transfer covers exactly why PayID and NPP infrastructure stop at the Australian border.

If you also need to send money to ANZ, not just receive it

The details above are for someone else sending money to you. If you're the one who'll eventually need to send money overseas from your own ANZ account — paying a bill back in your home country, for example — that's a separate process with its own fees and limits, covered on our ANZ international transfer fees how it works, including ANZ's rate-lock window (8 minutes in the ANZ Plus app, 10 minutes in Internet Banking) and the fact that ANZ's "Domestic Telegraphic Transfer" product is an AU-to-AU service and not the international one, despite the similar name.

What's ANZ's SWIFT/BIC code?

ANZBAU3M, as published on ANZ's international-payments page — ANZBAU3MXXX also works if the sending bank's form requires 11 characters.

How much does ANZ charge to receive money from overseas?

Up to $15 on transfers of AUD300 or more, as published on anz.com.au (checked September 2026). ANZ's page doesn't list a fee below AUD300. The fee is deducted from the amount you receive unless the sender agrees to cover it.

Can someone overseas send money to my ANZ PayID?

No. PayID only works within Australia's domestic payments system. Give the sender your account name, the address linked to your account, your BSB and account number, and ANZ's SWIFT code (ANZBAU3M) instead.

How do I find out where a delayed transfer is?

ANZ's own page states that only the sender can track the payment and confirm when it was sent, since ANZ only sees it once it arrives. Ask the sender for the payment reference from their own bank and contact them directly for an update.

Will I pay tax on money sent to me from overseas?

Not automatically — it depends on why the money was sent, not on receiving it. See our receiving money from overseas in Australia and our guide to bringing money to Australia tax implicationss.