CommBank International Transfer Fees 2026: What's $30, What's Free
Commonwealth Bank's real international transfer fees, straight from its own fee schedule and terms — when the $30 fee applies and when it's waived, the extra charges, what receiving costs, and how long it takes. As published, September 2026. Figures as at September 2026.
Read the full guide, with official sources →
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Chapters
- 0:00 $30, or free — it depends on one thing
- 0:14 Three ways to send
- 0:25 The fee depends on conversion
- 0:40 Three more charges
- 0:56 Same-currency transfers carry an extra fee
- 1:17 No published exchange-rate margin
- 1:28 A dated guide, not a live figure
- 1:51 Receiving costs up to $11
- 2:05 Your limit starts at $0
- 2:18 Usually 1 business day
- 2:29 It's called an International Money Transfer,
- 2:42 Where to read more
Transcript
Sending money overseas through CommBank can cost $30, or nothing at all. The difference comes down to one thing: does the payment actually convert currency.
You can send a CommBank International Money Transfer through NetBank, the CommBank app, or a branch. Branch transfers have a minimum of $5,000 per transfer.
Send a foreign currency online, genuinely converting AUD, and the transfer fee is waived. Send AUD to AUD with no conversion through NetBank or the app, and it's $30 — the same as a branch or manual instruction.
CBA's fee leaflet, dated 23 July 2026, lists three more charges: $25 to cancel and return funds, $25 to amend a payment instruction, and $25 to trace a transfer, including any follow-up.
There's also an Additional Overseas Banks Fee for sending the same currency you hold — say, a GBP account paying a GBP recipient. It's $33 for euros, $17 for pounds, $17 for New Zealand dollars, and $37 for US dollars. It's waived if the transfer genuinely converts currency.
CommBank doesn't publish a fixed exchange-rate margin. Its own terms say the rate is indicative only, and is set when your transaction is confirmed — not before.
For same-currency transfers, CBA publishes a guide to correspondent bank fees, dated on data from 2020 to 2021. To the United States it's around $6 US dollars, or $16 elsewhere. To the UK it's $6 pounds, or $7 elsewhere. To Hong Kong it's $65 Hong Kong dollars, or $255 elsewhere.
Receiving money into a CommBank account costs up to $11 per transfer, whether it lands in an AUD account or a Foreign Currency Account. You'll need CommBank's SWIFT code, CTBAAU2S.
CommBank sets your transfer limit at $0 by default, for security. You set your own IMT limit inside NetBank or the app before your first transfer — there's no single published figure for everyone.
Money sent overseas is usually available to the recipient within 1 business day of CommBank accepting the instruction — though overseas screening can add extra time on either end.
And if someone's asked you for a 'CommBank telegraphic transfer' — that term doesn't appear on CBA's consumer transfer pages at all. What you actually want is the International Money Transfer.
The full guide, with the official sources, is on migratio.com.au. The link is in the description.
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