Personal Finance Money transfer

ANZ international transfer: Fees, rates and transfer time

Yadana Chaw
Yadana Chaw
30.01.26 (last updated)
Read time 2 minutes


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If you’re planning on sending money abroad with the Australia and New Zealand bank – ANZ, you’d want to know how it’ll all work. In this guide, we’ll show you what you need to know about international transfers with ANZ, the fees to look out for and how long they usually take. Let’s jump right in.

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What are the fees for an international transfer with ANZ bank?

Before you start, it’s a good plan to understand the fees involved when making an international transfer with ANZ. However, don’t forget that there may be additional charges added by the recipient bank or any intermediary banks who handle the transaction along the way.

Countries with lower international fees with ANZ

ANZ provides cheaper fees for international transfers to the countries listed below¹:

Cook Islands, Fiji, French Polynesia, Guam, Kiribati, New Caledonia, Papua New Guinea, Samoa, Solomon Islands, Timor Leste, Tonga and Vanuatu

ANZ’s fees vary depending on the specific circumstances of the transfer and are summarised below.

ANZ Bank International Transfers¹Fees transfers under $10,000 AUDFees transfers over $10,000 AUD
Outgoing international transferSent via Internet banking
  • $9 for transfers sent from AUD account to foreign currency ($0 for countries listed above)
  • $18 for transfers sent from AUD account in AUD ($7 for countries listed above)
Sent via Phone/Staff assisted
  • $9 for transfers sent from AUD account to foreign currency ($7 for countries listed above)
  • $32 for transfers sent from AUD account in AUD ($7 for countries listed above)
  • $32 for transfers sent from a foreign currency account ($7 for countries listed above)
Sent via Internet banking
  • $0 for transfers sent from AUD account to foreign currency ($0 for countries listed above)
  • $18 for transfers sent from AUD account in AUD ($7 for countries listed above)
Sent via Phone/Staff assisted
  • $0 for transfers sent from AUD account to foreign currency ($0 for countries listed above)
  • $32 for transfers sent from AUD account in AUD ($7 for countries listed above)
  • $32 for transfers sent from a foreign currency account ($7 for countries listed above)
Fees as seen on 25 January 2026

Example transfer: Sending an ANZ online bank transfer of $1000 Australian dollars from Australia to a GBP bank account in the UK.

ProviderFees in AUDExchange rate
ANZ Bank³$9 feeExchange rate + markup
Wise$4.73 feeThe mid-market exchange rate
Fees as seen on 25 Jan 2026

ANZ international transfer exchange rates

ANZ even states there is a margin in their rates³:

“The calculator uses an indicative exchange rate... Exchange rates include a margin”

Exchange rate detailsANZ AU³Wise
Exchange rate0.48930.5054
Recipient gets**502.98 GBP589.30 GBP
Type of rateANZ's rate with marginMid Market rate

** ANZ additional intermediary/recipient bank fees not included.

Please see Terms of Use for your region or visit Wise Fees & Pricing for up-to-date pricing.

How long does an international bank transfer with ANZ take?

ANZ states that funds are received usually within two business days or earlier.¹ To ensure same-day processing, submit your transfer before the cut-off time of 5:00pm (AEST/AEDT) (though some currencies vary, 4:30pm is a safe rule of thumb).

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Sources:

  1. ANZ international payments
  2. ANZ Fees and charges PDF
  3. ANZ exchange rate calculator
    Sources checked on 25 January 2026

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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