How do I register for international funds transfers?

The ability to perform international funds transfers through NAB Internet Banking will become available once you have registered for SMS security and have the Pay anyone facility enabled.

Can I make an international funds transfer if I'm not registered for SMS security?

No, you cannot. To protect the privacy and security of NAB Internet Banking customers, you must be registered for SMS security to make an international funds transfer.

If your updated mobile number is registered with us, you can register for SMS security by:

  • Logging into NAB Internet Banking and refer to the Profile & Settings menu and select Security & password, or
  • Selecting the SMS security option during the NAB Internet Banking registration process.

If you haven't provided us your mobile phone number you can register for SMS security by:

  • contacting the NAB Internet Banking Support Team on 13 22 65 or +61 3 8641 9886 if you're overseas.
  • referring at any NAB store.

How to activate the Pay anyone facility?

You can enable Pay anyone access:

  • immediately via Internet Banking by clicking on International transfer and following the prompts.
  • by contacting the NAB Internet Banking Support Team on 13 22 65.
  • during the NAB Internet Banking registration process.
  • by completing an application form available from a NAB store.

Note: To enable pay anyone access over the telephone you don’t need to be registered for SMS Security, however the daily transfer limit will only be $2500.

The default Pay anyone access daily limit is $5000.

You can apply to increase your daily Australian Pay anyone limit up to $60,000 via Internet Banking so long as you are registered for SMS security. To increase your daily Australian limit you will need to: 

  1. Register for SMS security (if you’re not currently registered), and
  2. Open the Profile & Settings menu and select Internet Banking settings
  3. Select Change limit and follow the prompts.

The default daily limit for an International funds transfer through NAB Internet Banking is $5,000. If you’d like to transfer more, please contact us on 13 22 65Monday to Friday, 8:00am to 7:00pm (AEST/AEDT), Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT)

If you aren't registered for SMS security, you can apply for a higher limit of up to $20,000 by:

  1. Obtaining an application form from a NAB branch. Locate your nearest NAB branch.
  2. Complete the application form.
  3. Visit a NAB store to be identified.
  4. Nominate a daily transfer limit. Once your application has been approved, the changes will appear the next time you log into Internet Banking.

Note: If you aren’t registered for SMS security, you will not be able to make an International Payment

What if I'm exempt from SMS security?

Customers that are exempt from SMS security will not be able to conduct an international funds transfer unless they register for SMS security.

Can I transfer money to a beneficiary in another country even if it is not a bank that is affiliated with NAB?

Yes, as long as you have the correct SWIFT / BIC code or details of the bank you are wishing to transfer to, or the beneficiary bank address, the transaction can be made.

Can I set up a periodic or future dated international funds transfer?

Yes, you now also have the ability to set up periodic international funds transfers with the option to have your payment processed weekly, fortnightly, monthly or quarterly.

You can also select a date (up to 18 months) to send money overseas in the future. For both periodic and future dated international funds transfers, the foreign exchange rate at the time of the transaction will be applied and confirmed to you via secure email.

Why is my transfer stating "insufficient funds" when I have the correct amount of money in my account?

An international funds transfer has an associated fee in Internet Banking of

  • $0 if sending foreign currency
  • $30 if sending Australian Dollars

You need to have enough money to cover both this fee as well as your transaction amount.

Does the fee change according to how much I am transferring?

No, the fee is a flat fee charged per transaction.

Is there a limit on how many transactions I can make per day?

No, as long as the total of your International transfer transactions fall within your daily International transfer limit.

Is the fee included in my Pay anyone daily limit?

No, the international funds transfer fee will not be included in your daily limit.

Are fees charged by the overseas bank?

A majority of international banks levy processing charges which vary between banks and countries and could result in additional fees being charged. In most cases, NAB will pay overseas bank charges on your behalf. However, in some instances beyond NAB’s control, overseas banks will directly deduct these overseas bank charges from the money you send instead.

What should I know before sending money overseas?

  • You cannot send an International funds transfer to or from a credit card account.
  • There is a fee for international money transfers via NAB Internet Banking of $0 if sending foreign currency or $30 if sending Australian dollars.
  • The ability to perform international funds transfers through NAB Internet Banking will become available once you have registered for SMS security and have the Pay anyone facility enabled.
  • If you are exempt from SMS security will need to register for SMS security to be able to conduct an international funds transfer.
  • You can make as many transactions as long as the total of your transactions fall within your daily Pay anyone limit.

If you would like to conduct an international funds transfer via NAB Connect can do so by following the Create an International Payment (PDF, 415KB) NAB Connect, quick reference guide.

How to make an international funds transfer without NAB Internet Banking or NAB Connect?

Customers that are not registered for NAB Internet Banking or NAB Connect and would like to conduct an international funds transfer, can also do this by visiting their local NAB branch or by contacting their banker. You will need to bring the following:

  • Photo identification
  • Full name of beneficiary receiving funds
  • Location of where funds will be sent
  • Street address of beneficiary
  • Name of the receiving Bank

Swift code of receiving Bank (if sending funds to Europe we will require the IBAN number not account number of beneficiary).

Step-by-step, how do I transfer money online?

1. Login to NAB Internet Banking with your NAB Identification number (ID) and NAB Internet Banking password.

2. Open the Transfer & Pay menu and select International transfer.

3. Select the linked account you are transferring funds out of from the From account drop-down list in the Account details section.

4. If you're paying someone you've saved previously select them from the Saved beneficiary drop down box.

5. Select the country you wish to transfer funds to, followed by the currency. The currency will default to the preferred currency of that country. You can select another currency from the drop-down box, if required.

6. Enter the amount of funds you wish to transfer. An indicative rate will then display. The International transfer fee will be displayed in this section.

7. There is no need to select Beneficiary or Remitter to pay overseas bank fees as NAB will absorb all overseas bank fees for international payments via NAB Internet Banking.

8. Enter the beneficiary bank details into the Beneficiary bank details section including the account number or IBAN of the beneficiary.

9. Enter the beneficiary's details into the Beneficiary's details section.

Helpful hint: If you've previously saved beneficiary details, then these will be displayed otherwise, please provide the Beneficiary Name and Address and Country in which the Beneficiary is located in the appropriate fields.

10. Enter a description for the transfer which will appear on your statement.

11. Select either a one-off transfer or a periodic transfer and select the transfer date.

12. If you haven't accepted the Terms and Conditions previously please read through them, then click the radio button.

13. Click Next.

14. Check that your International funds transfer instruction details are correct and enter in your security code and click Next.

15. Confirm the foreign exchange rate provided. A real time exchange rate will display during business hours and an indicative foreign exchange rate will be provided outside of business hours.

16. Click on Accept and transfer.

17. The receipt for International transfer page displays with the details of your funds transfer instruction. You can print the acknowledgement details as a record of your transfer instruction.

Helpful hint: Transfer of funds is usually received within 72 hours by the beneficiary's bank. If the overseas bank is not the beneficiary's, it may take longer to on forward funds to the beneficiary's bank. There may be other circumstances outside of our control which may also cause additional delays.

Viewing International Payment status in NAB’s self-service banking options

Payments made from NAB accounts that are viewable on NAB Connect, Internet Banking and Mobile Banking options are trackable.

What if I am unsure of what the exchange rate of the currency I am transferring to is?

When sending an international funds transfer, an indicative exchange rate will be provided in the international funds transfer form and you will be asked to accept the final, real time foreign exchange rate when confirming the transaction. Where real time rates are unavailable, e.g. outside of business hours or for future-dated transactions, the rate will be applied at the time and you will receive a confirmation via secure message once your transaction is completed.

Which countries can I send an international funds transfer to?

The countries that you can send an international funds transfer to are:

  • Andorra
  • Australia
  • Austria
  • Bahrain
  • Bangladesh
  • Belgium
  • Bhutan
  • Bosnia – Herzegovina
  • Botswana
  • Brazil
  • Brunei Darussalam
  • Bulgaria
  • Cambodia
  • Canada
  • Chile
  • China
  • Colombia
  • Cook Islands
  • Costa Rica
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Ethiopia
  • Fiji
  • Finland
  • France
  • French Polynesia
  • Germany
  • Ghana
  • Greece
  • Guernsey
  • Hong Kong
  • Hungary
  • Iceland
  • India
  • Indonesia
  • Ireland
  • Isle of Man
  • Israel
  • Italy
  • Japan
  • Jersey
  • Jordan
  • Kazakhstan
  • Kenya
  • Kiribati
  • Korea, South
  • Kuwait
  • Lao People’s Democratic Republic
  • Latvia
  • Lithuania
  • Luxembourg
  • Macau
  • Macedonia, Former Yugoslav Republic
  • Madagascar
  • Malawi
  • Malaysia
  • Maldives
  • Malta
  • Mauritius
  • Mexico
  • Monaco
  • Mongolia
  • Morocco
  • Mozambique
  • Namibia
  • Nepal
  • Netherlands
  • New Caledonia
  • New Zealand
  • Norway
  • Oman
  • Pakistan
  • Papua New Guinea
  • Peru
  • Philippines
  • Poland
  • Portugal
  • Qatar
  • Romania
  • Russia
  • Samoa
  • San Marino
  • Saudi Arabia
  • Seychelles
  • Singapore
  • Slovakia
  • Solomon Islands
  • South Africa
  • Spain
  • Sri Lanka
  • Sweden
  • Switzerland
  • Taiwan
  • Tanzania, United Republic of
  • Thailand
  • Tonga
  • Turkey
  • Uganda
  • Ukraine
  • United Arab Emirates
  • United Kingdom
  • United States
  • Vanuatu
  • Vietnam

What if the country I am wishing to make a payment to is not in the list of beneficiary countries?

At this stage, you can conduct international funds transfers via Internet Banking to selected countries only. In order to transact to other countries, you will need to do this at a branch.

I have received an acknowledgement from NAB which says "processing". Does this mean there is a problem with my transaction?

No. If your international payment has been submitted to NAB successfully you will receive a "processing" acknowledgment. Once your transaction has been processed by NAB and sent to the international bank, you will receive a secure message to your Internet Banking mailbox with details of your transaction and a status of "paid", or "rejected". You can also view details of your transaction, including the status by selecting Payment list, under the Transfer & Pay menu and clicking on the transaction you wish to view.

What is the process of disputing or investigating an online international payment or funds transfer?

If something doesn’t look right, contact us through NAB Messaging in the NAB app or NAB Internet Banking. Tap the red chat icon to create a chat and lodge an international payments query, making sure to include the full details of the transaction.

What requirements do I need to complete an international funds transfers?

To complete an international funds transfer, you must be registered for SMS security and Pay anyone.

I am receiving a message stating that my transfer will potentially overdraw my account, why is this?

The initial international funds transfer form uses an indicative foreign exchange rate and will display this message if your account is likely to overdraw. If you accept this message, when the real time rate is applied if your account has insufficient funds your payment will not be successful.

How long will it be before the beneficiary receives the funds into their bank account?

Transfer of funds is usually received within 24 hours by the beneficiary's bank. If the overseas bank is not the beneficiary's, it may take longer to on forward funds to the beneficiary's bank. There may be other circumstances outside of our control which may also cause additional delays.

What should I do if my beneficiary claims that they have not received the transferred funds?

An international funds transfer sent via NAB Internet Banking will usually reach the beneficiary's bank account within 72 hours; however, there may be other circumstances outside of our control which may also cause additional delays. If the beneficiary has not received the International Funds Transfer, you need to use secure Chat in NAB Internet Banking and send us the full details of the disputed transaction. The secure Chat team will then commence the dispute resolution process.

Will internet banking save the details of my transfer to use again?

You can choose to save the beneficiary details to use on future international transfers. In the acknowledgement screen, press the Add to my beneficiary list button. Enter a nickname for your beneficiary then press Next. Confirm the details and press Save.

You can also add a beneficiary in the Payee list' in the Transfer & Pay menu. Next time you perform an international funds transfer your beneficiaries will appear in a drop-down list in the application.

What is a SWIFT code?

SWIFT stands for Society for Worldwide Interbank Financial Telecommunications. Also sometimes called Bank Identifier Code (BIC). 
SWIFT code is the international standard used to identify a bank.

So if you want money to be transferred to your account from a person in another country, you need to give them a SWIFT code along with other details.
The preferred SWIFT code is VIC/TAS: NATAAU3303M.
NAB's SWIFT codes (also known as a bank identifier code or BIC) for all Australian states are:

  • QLD: NATAAU3304B
  • SA/NT: NATAAU3305A
  • WA: NATAAU3306P

You also need your BSB number for an electronic funds transfer from overseas. If you're looking for another bank's IBAN or SWIFT code, you should contact that bank directly.

What is a Bank Identification Code (BIC) Number?

A Bank Identifier Code (BIC) is an international standard for uniquely identifying banks worldwide. It is also known as a SWIFT address. A BIC consists of a combination of letters and numbers, either 8 or 11 characters. It identifies the bank's name, its country and the address of the store. When entering the beneficiary's bank, if you have been provided with its BIC, please insert it in the 'Beneficiary Bank SWIFT / BIC Code' field. If you do not know the BIC, you need to insert the full name of the beneficiary's bank, its full street address and its country in the relevant fields.

What is an International Bank Account Number (IBAN)?

IBAN stands for International Bank Account Number and is a European standard format for customers’ account numbers. It’s a combination of letters and numbers and the length varies from country to country.

About 40 countries have adopted the IBAN standard, mainly in Europe. Payments to these countries must include an IBAN in the ‘Beneficiary’s Account Number’ or ‘IBAN Number field’ 

An example of a United Kingdom IBAN follows:

GB 19 LOYD 3096 1700 7099 43

In this IBAN

  • GB is the country code
  • 19 is the check number
  • LOYD 3096 is the bank
  • 170070099 43 is the sort code and account number

How do I obtain an IBAN?

You should be able to obtain an IBAN from your beneficiary. Their bank can provide them with this upon request.

What are the cut-off times for international funds transfers?

To ensure the international funds transfer is processed and sent on the value date specified in the transfer, international funds transfers must be sent to NAB before the currency, country and end of day cut-off times. If a transfer is sent to NAB after any of the established cut-off times, NAB will process the transfer, however the value date of the transfer will be changed to the next business day.

International Funds Transfers received on a National public holiday, NSW public holiday, or on a Saturday or Sunday will not be processed until the next business day. The value date of the transfer will also be changed to the next business day.

Note: The below cut off times are for international payments made to trusted beneficiaries. Payments made to beneficiaries for the first time may be delayed being sent to the overseas bank until the next business day.

Cut off (AEST/AEDT)
Country & currency
  • Western Samoan Tala
  • Central Pacific Franc
  • Fiji Dollar
  • Indonesian Rupiah
  • Philippine Peso
  • Solomon Islands Dollar
  • Thailand Baht
  • Vanuatu Vatu
  • Japanese Yen
  • Papua New Guinea Kina
  • Singapore Dollar
  • New Zealand Dollar
  • Australian Dollar
  • Bahrain Dinar
  • Bangladesh Taka
  • Czech koruna
  • Indian Rupee
  • Israeli Shekel
  • Jordanian Dinar
  • Kuwaiti Dinar
  • Omani Rial
  • Pakistan Rupee
  • Saudi Arabian Riyal
  • Sri Lankan Rupee
  • United Arab Emirates Dirham
  • British Pound
  • Canadian Dollar
  • Danish Krone
  • Euro Dollar
  • Hong Kong Dollar
  • Hungarian Forint
  • Kenyan Shilling
  • Mexican Peso
  • Norwegian Krone
  • Polish Zloty
  • South African Rand
  • Swedish Krona
  • Swiss Franc
  • United States Dollar

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