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 or your Mobile Banking App (Android only). Alternatively, visit your local branch or complete and return the Telegraphic Transfer Order form

Benefits

  • Powered by Western Union Business Solutions
  • Send money overseas 24/7 with Heritage Online and our Mobile Banking App (Android only)
  • 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
FAQ's

How long will it take to send money overseas with 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

What currencies can I use when I send money overseas?

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.

What details do I need to provide to send money overseas?

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.

Please provide:

  • 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


If you cannot provide these details, a Draft may be more suitable.

How much does a Telegraphic Transfer cost to send money overseas?

There are two service options with different fees for sending money overseas with Heritage, online or in person/with a form.

Online

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

In-person / With a form

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. 

How do I send money overseas online?

You can now transfer money overseas 24/7 using Heritage Online or our Mobile Banking App (Android only) 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. Follow the steps below to send money overseas now.


Stay scam aware! 

Scammers are clever at convincing you to give them money. You must ONLY send money to people you have met. If you can’t meet, make sure you independently confirm they’re the person you want to send money to. If unsure, CHECK.


Heritage Online 

  1. Login to Heritage Online on your desktop or mobile browser
  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.

  5. 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.

  6. Review the verification information. 
  7. Click Confirm Transfer. You'll be shown a successful transfer message once the transfer is complete. 

Mobile Banking App (Android)

  1. Login to the Mobile Banking App on your Android device
  2. Go to the main menu and select Transfer Money Internationally. You will be redirected securely to Heritage Online.
  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.

  5. 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.

  6. Review the verification information. 
  7. Click Confirm Transfer. You'll be shown a successful transfer message once the transfer is complete. 

Our team is available to help you with all your international banking needs, including troubleshooting and what to do if you're travelling overseas. 

Tap here for live assistance.