Benefits of making international payments with NAB

No surprise fees at the other end

We are committed to cover any fees charged by an overseas bank when you send an international transfer online using the NAB app and NAB Internet Banking.

No minimum transfer

No amount is too small when you send funds overseas. Plus, you can transact in over 40 global currencies and send to over 230 countries.

$0 transfer fee

Make the most of $0 transfer fee when sending money in foreign currencies using NAB app or NAB Internet Banking. 

International money transfers

Watch our short video about making international transfers or payments.

With $0 transfer fees when sending money in a foreign currency using the NAB app or NAB Internet Banking, you can also track the progress of your online payments in real-time .

You must be a NAB customer before you can make an international transfer.

Payment tracking

For transactions made using the NAB app and NAB Internet Banking, you can keep an eye on international payments by tracking them from the moment the payment is processed, until the money reaches its destination.

Once logged into the app or internet banking, view your recent transaction history and click on the international payment to see details of the payment and find the unique reference number.

Use this number to track its progress, like you would a parcel.

International transfer fees

International transfer fees depend on how you make the transfer, and whether the transfer is in a foreign currency or Australian Dollars.

Transfer method Fee
International money transfer made using NAB app or NAB Internet Banking (sent in foreign currency) $0
International money transfer made using NAB app or NAB Internet Banking (sent in Australian dollars) $30
International money transfer made at a NAB branch (sent in Australian dollars or foreign currency) $30

Not a NAB customer? Open a NAB transaction account

Before you can transfer money overseas with NAB you must be a NAB customer with an open transaction account. Opening a NAB transaction account is a simple five minute online application form, and there are no monthly account fees.

How to transfer

Transferring money overseas is simple and can be done online, via our app or in branch. You can transfer over 40 global currencies and send to over 230 countries. 

Before transferring any funds, please confirm the bank details of the person or business you’re transferring to. You'll need the following information from your recipient:

  • Their full name and street address (not a PO Box).

  • The IBAN or bank account number.

  • A SWIFT code or BIC (this identifies their bank) or, if not available, the full bank address.

  • Any other information they have like sort codes or routing code.

SWIFT, IBAN and BIC explained

Depending on the receiving banks requirements, you will need to know what their IBAN, SWIFT and/or BIC is.

  • IBAN stands for International Bank Account Number.
  • SWIFT stands for Society for Worldwide Interbank Financial Telecommunication.
  • BIC stands for Bank Identifier Code.

Transfer online via NAB Internet Banking and NAB App

To make an international transfer you need to have SMS Security switched on, which you can do via settings in NAB Internet Banking.

You can check your international money transfer limit in the NAB app or through NAB Internet Banking, and you can amend this by giving us a call at 13 22 65. Or, if you’re overseas, call +61 3 8641 9083.

Learn how you can send money overseas online.

Transfer using NAB Internet Banking

Under ‘Transfer & Pay’ in NAB Internet Banking, select International transfer and follow the prompts. 

You will be able to view real time or indicative exchange rates before accepting.

Transfer using the NAB app

Under ‘Transfer & Pay’, select Overseas and follow the prompts.

Transfer at any branch

We can help you send money overseas from any branch. Keep in mind, making a payment using the NAB app or NAB Internet Banking may be more cost effective than making an international payment in branch. 

Transfer times

After you’ve made your international transfer, the funds are usually received within 24 hours by the payee’s bank.


Help and support

Guides and support services to help you manage your international payments.

Contact us

Call us

Contact the NAB International Payment Service Desk on 1300 888 413 and select option 2.

Visit a NAB branch

Use our locations tool to find the nearest branch.

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