More than 200 countries, over 30 currencies

Wanting to send money overseas to friends and family for a special occasion or to cover day-to-day expenses? Need to pay an overseas bill or invoice? You can send an International Money Transfer (IMT) to more than 200 countries, in over 30 currencies from the CommBank app, NetBank or at your nearest branch.

Download the CommBank app:

Sending a payment in USD,  GBP,  EUR  or NZD?

When converting funds to USD, GBP, EUR or NZD, CommBank will cover any correspondent bank fees that may apply, making sure additional fees aren't deducted from your payment along its journey. Fees charged by the beneficiary bank may still apply to the payment beneficiary.

Making business related payments?

If you're planning to make payments to an overseas supplier or business, or would like to pay a business related invoice or bill, view our International Money Transfer page for businesses.

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Ways to send money overseas

  1. Send to someone’s mobile number – it’s quick, easy and secure
  2. Send to someone’s international bank account - you’ll need their full name, account name and home address, account number or International Bank Account Number (IBAN) and the SWIFT or Bank Identification Code (BIC) of their bank

Tip: Convert your payment into foreign currency and send from NetBank or the CommBank app to lock in the exchange rate and pay a lower transfer fee.


Your checklist

Before you send money

  1. Ask whoever you’re sending money to for their mobile number or bank details
  2. Choose which CommBank account to transfer the money from
  3. Check your transfer limit. You can increase it in NetBank or the CommBank app and make sure you’re registered for Netcode SMS
  4. Check the exchange rate to calculate your transfer amount
  5. Always double-check you’ve entered the correct information before you confirm the transfer

Once your money is sent

  • It generally takes 3 business days for the payment to reach the recipient but may take longer depending on the recipient’s country and bank
  • Transfers made on a weekend, a public/bank holiday or after the currency cut-off time will be processed the following business day
  • You can trace, amend or cancel an IMT

How to send an IMT

Send money overseas from the CommBank app using just a mobile number 

Your recipient collects a payment made using their mobile number from CommBank Payment Collections.

They simply need to enter the collection code, their mobile number, banking and personal details then tap ‘Collect payment’. They can also store their details so they don’t need to collect future payments (we’ll also verify some details via SMS).

Send to an account number using NetBank or the CommBank app

  1. Log on to NetBank > choose Transfers and BPAY > International Money Transfer.
    Or log on to the CommBank app > Pay Someone > Overseas transfer (to pay someone in your international address book) or “+” (to pay a new recipient)
  2. Choose the destination country
  3. Add the recipient’s details
  4. Double-check the details you’ve entered are correct

In branch

You can also send money overseas at your nearest branch. It’s cheaper and quicker to make a transfer online or using the CommBank app though.

International Money Transfer (IMT) fees

Sending money overseas is now cheaper than ever with our CommBank transfer fees starting from AUD$6. For transfers from your AUD account in South Pacific currencies FJD, PGK, SBD, VUV and XPF, we’ve waived this fee for you.

We use correspondent banks to process IMTs. You can now pay an upfront fee (on top of our transfer fee) of AUD$15 to cover any fees charged by these correspondent banks. If you choose not to pay this upfront fee, any correspondent bank fees may be deducted from your original transfer amount.

This upfront fee option is available for IMTs sent from an AUD account (using NetBank or the CommBank app) in any currency except AUD, EUR, GBP, NZD, USD and KWD. For EUR, GBP, NZD and USD, we’ll pay the correspondent banking fees for you. There are no correspondent bank fees payable for transfers in KWD.

The AUD$15 upfront fee doesn’t cover any other charges incurred from the beneficiary’s bank, which may have their own processing fees. It’s also not available when using a Foreign Currency Account (in NetBank or the CommBank app).

The option to pay an additional fee to cover correspondent bank fees for same-currency IMTs is available when sent from a Foreign Currency Account in EUR, GBP, NZD, or USD. This option is not available in NetBank or the CommBank app.

Customers using CommBiz have the option to pay an additional fee to cover charges by overseas bank for selected countries and currencies.

Learn more about correspondent banks

Fees and charges

Issued via a branch
$30.00 per transfer
Issued via NetBank or the CommBank app. Funds debited from an AUD account and converted to foreign currency. Fee waived for IMTs sent in FJD, PGK, SBD, VUV, XPF.
$6.00 per transfer
Issued via NetBank or the CommBank app. Funds debited and credited in AUD currency (no FX conversion).
$22.00 per transfer
Issued via NetBank or the CommBank app. Funds debited from a Foreign Currency Account.
$6.00 per transfer
Cancellation and request for funds to be returned2,3
$25.00 per request plus overseas bank’s costs
Amendment to payment instruction, i.e. beneficiary, bank, address when requested by customer, or where the overseas bank is unable to process payment on original instruction
$25.00 per request plus overseas bank’s costs
Investigation of sent International Money Transfer (trace)2,3
$25.00 per investigation includes any subsequent follow up request

Receiving money from overseas

Whoever is sending money to you needs your full name and home address. They’ll also need the following:

  • Bank name: Commonwealth Bank of Australia
  • CommBank BIC/SWIFT code: CTBAAU2S
  • Your 14 digit account number: Log on to NetBank or the CommBank app. This info sits beside the account you want money transferred into. Eg 06XXXX XXXXXXXX

Fees and charges

For credit of a Commonwealth Bank Australian dollar (AUD) account (regardless of currency)4
Up to $11.00 per transfer
For credit of a CommBank Foreign Currency Account4

Up to $11.00 per transfer
For credit of an AUD account at another bank4

Up to $25.00 per transfer
For credit of a Foreign Currency Account at another bank4

Up to $35.00 per transfer
Payment by bank cheque4

Up to $20.00 per cheque

Backed by our 100% Security Guarantee

Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if something is wrong. Tell me more. 

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Things you should know

1 All fees are stated in Australian dollars. For more information about fees and charges for international payments, read our Standard fees and charges for international payments and travel funds

Read about our IMT terms and conditions for NetBank and the CommBank app and our terms and conditions for pay to international mobile

2  This is a request only and is dependent on the overseas bank obtaining the relevant debit authority to be able to return funds. Returned funds will be converted back to the currency of the funding account at the published Bank buys IMT rate on the day it is credited to the funding account.

3 Overseas bank charges (which may vary from country to country) could apply in addition to the charges listed above.

4 Fee charged depends on arrangements with overseas banks.

The target market for this product will be found within the product’s Target Market Determination, available here.

The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page. Terms and conditions are available on the app. NetBank access with NetCode SMS required.

Commonwealth Bank of Australia ABN 48 123 123 124.