ANZ international transfer fees explained

ANZ charges no sending fee on foreign currency transfers from its app, Internet Banking or Phone Banking. Sending Australian dollars costs up to $15 in the ANZ Plus app, $18 in Internet Banking and $32 by phone, with lower fees to a list of Pacific countries. This page covers those fees, ANZ's correspondent fee cover, its receiving fee and how long its rate quotes last. The fees below were checked on ANZ's own pages on 30 October 2026.

FXRate.com.au is a general information site operated by Dominet BV. This page is general information only and is not financial advice. It does not consider your objectives, financial situation or needs. Dominet BV does not hold an Australian financial services licence (AFSL). We don't arrange transfers, recommend or rank providers, forecast exchange rates or receive payments from providers. Fees and rates change, so check the provider's own page and documents before you send or spend money. Facts were checked on 30 October 2026. Read our general information notice. Fees below are as ANZ published them on that date.

ANZ's sending fees by channel

Sending fees in Australian dollars, as published by ANZ on 30 October 2026 on its international payments page and ANZ Plus support page.

For the ANZ V2 Plus Service Centre, ANZ published a transfer fee of $32 on 30 October 2026. The Pacific destination arrangements below apply to Phone Banking and Internet Banking.

A transfer fee is only one part of the price. Moneysmart explains that providers set their exchange rates and charge fees, with costs depending on the amount, destination and sending method. Our guide to international money transfer pricing explains how those parts fit together.

Pacific destinations

For the destinations listed below, ANZ published a $0 foreign currency sending fee and a $7 AUD sending fee through Phone Banking or Internet Banking on 30 October 2026. ANZ also published a $0 AUD sending fee to Kiribati through Internet Banking only on that date.

The listed Pacific destinations are:

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

The $0 Kiribati fee applies only to AUD sent through Internet Banking. These Pacific arrangements change the sending fee only, not the exchange rate or other banks' charges. The list is on ANZ's international payments page.

Correspondent fees at ANZ

Moneysmart explains that banks use SWIFT, a system connecting financial institutions around the world, to send money to overseas banks.

Under the arrangements ANZ published on 30 October 2026, ANZ covers correspondent fees for foreign currency transfers through ANZ Plus, Internet Banking and Phone Banking for selected currencies and destinations. So it doesn't apply to every currency or destination.

ANZ's information published on 30 October 2026 also says a correspondent bank may charge a fee, and the recipient's bank may charge the recipient. Cover for correspondent fees doesn't stop the recipient's bank charging.

ANZ publishes reference guides containing estimated correspondent fees. As described by ANZ on 30 October 2026, those guides are indicative, and its transfer quotes include the ANZ fee and an estimated correspondent fee.

The recipient bank's charges may not appear in the quote. The ACCC identifies two separate questions: whether banks along the route deduct charges from the payment, and whether the receiving bank charges the recipient. Our SWIFT and receiving bank fees guide explains that distinction.

Receiving money into ANZ

As published by ANZ on 30 October 2026, an overseas payment equivalent to AUD 300 or more may attract a receiving fee of up to $15. ANZ says the charge is deducted unless the sender covers it.

The words "may" and "up to" matter: $15 is the most ANZ says it charges, and not every payment over the threshold will be charged that much. As the ACCC explains, banks along the route can also deduct charges before the money reaches ANZ. Moneysmart includes charges paid by the receiver among the details to compare when assessing an international transfer.

Rate locks and quotes

ANZ locks a quoted exchange rate for eight minutes in the ANZ Plus app and ten minutes in ANZ Internet Banking. These are how long the rate is held, not how long the payment takes.

ANZ also said, in its information published on 30 October 2026, that Internet Banking may have a higher transfer fee than the ANZ Plus app. The ACCC explains that retail exchange rates include a margin or mark-up. Our exchange rate margin guide explains why the transfer fee alone doesn't describe the whole cost of converting money.

What this means for you

On ANZ's published fees, sending foreign currency online or by phone costs nothing in fees, while sending AUD costs up to $15, $18 or $32 depending on the channel, unless it's going to one of the listed Pacific countries. ANZ's quote shows its own fee and an estimate of correspondent fees, but not the recipient bank's charges. For comparing total prices, the ACCC says to include the retail exchange rate and all fees, and to check quotes at the same time on the same day.

Frequently asked questions

Is there an ANZ international transfer fee for foreign currency payments?

As published by ANZ on 30 October 2026, the sending fee is $0 for foreign currency transfers through ANZ Plus, Internet Banking and Phone Banking. The exchange rate margin and other banks' charges are separate.

What is the ANZ Plus international transfer fee for AUD?

ANZ published an AUD sending fee of up to $15 through the ANZ Plus app on 30 October 2026. The quoted payment details show the applicable ANZ charge and estimated correspondent charge.

Does ANZ cover all correspondent charges?

ANZ's arrangements published on 30 October 2026 cover correspondent fees for selected currencies and destinations when sending foreign currency through ANZ Plus, Internet Banking or Phone Banking. Recipient bank charges are separate.

What does ANZ charge to receive an international transfer?

As published by ANZ on 30 October 2026, an overseas payment equivalent to AUD 300 or more may attract a charge of up to $15, deducted unless the sender covers it.

How long does an ANZ quoted rate stay locked?

ANZ holds a quoted rate for eight minutes in ANZ Plus and ten minutes in Internet Banking. These are quote acceptance windows, not estimates of when the recipient gets the money.