Transfer money internationally

Send money overseas electronically to an overseas bank account in a specified currency with a Telegraphic Transfer, powered by Western Union Business Solutions.

Telegraphic Transfer

A Telegraphic Transfer is an international money transfer that allows you to send money to an overseas bank account in over 130 currencies. Funds are deposited directly into the payee’s bank account to be accessed easily by the payee. You could use a Telegraphic Transfer to transfer money internationally to a family member or friend living overseas, buy overseas property from Australia or send wages or salaries to employees overseas.

Getting started

Send money overseas 24/7 online using Heritage Online. Alternatively, visit your local branch or complete and return the Telegraphic Transfer Order form


  • Powered by Western Union Business Solutions
  • Send money overseas 24/7 with Heritage Online 
  • Payments should be received in a timely manner
  • A brief message can be included in the transaction
  • Economical way to send large amounts of money
  • Send in over 130 currencies
  • Send to over 200 countries and territories
  • Electronic transfer can be more secure than sending a cheque or Draft

How much does a Telegraphic Transfer cost?


Telegraphic Transfers sent online in a Foreign Currency attract a fee of AUD $15. Intermediary banks may charge fees independently of Heritage Bank. 


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. 

What details do I need to provide to complete a Telegraphic Transfer?

To send money overseas using a Telegraphic Transfer, you will need to 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.

The details must be clearly communicated and 100% accurate. Any errors may increase the time taken for your payee to receive funds. In some situations Heritage Bank or Western Union Business Solutions may require additional information to complete your transfer.

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

How do I transfer money internationally online? 

Heritage customers can now send money overseas online in Heritage Online powered by Western Union Business Solutions. International payments are available on a select range of Heritage transaction accounts, including our Simply Access transaction account

A service fee will apply to transfer money overseas and is listed in our Fees and Limits Guide. You'll also need to be registered for SMS Security to use this service. 

How to transfer money overseas in Heritage Online

! Do not proceed if you suspect a scam

  1. Login to Heritage Online
  2. Go to the Transfers menu then select Transfer Money Internationally
  3. Request a quote to transfer money internationally.
    • You can select a saved payee here.
    •  If you're adding a new payee, you'll need to provide detailed payment information including reference, the details of your payee and their bank details. You'll also be asked to provide a One Time Password (OTP) when setting up a new payee for security.
  4. Review and confirm the payment details are correct.

    REMINDER: If all required information is not provided the Telegraphic Transfer may be delayed, incur additional fees or be rejected. By processing a Telegraphic Transfer you accept the terms displayed during the transaction process.
  1. Review the verification information. 
  2. Click Confirm Transfer. You'll be shown a successful transfer message once the transfer is complete. 

How long will it take to send a Telegraphic Transfer?

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. Transfers may be held up if the required information is not provided, or if Western Union Business Solutions require more information about the payment.

What are the available currencies for a Telegraphic Transfer? 

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.


Like a bank cheque made out in a foreign currency, Drafts are an easy and affordable way to make a payment overseas. Drafts can be sent via mail and are available in a wide range of currencies.

When should you send a draft?

  • If you don't know the recipient's bank account details
  • If you are sending a small amount of money
  • If you want to send a payment by mail with a letter, card or invoice

Please consider the Draft Product Disclosure Statement before you decide whether or not this product is right for you. 

Available Currencies

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

How much do they cost?

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.

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