How to send money overseas.

When making an international payment, you'll need:

  • Bank Details: The bank and branch details of where the payment is going as well as the branch identifier if available (i.e. IBAN, NCC, sort code or BSB number)
  • Payee Details: Account number, the exact name of the account and location address of the person or company you are paying
  • Currency: International payments must be made in the local currency of the country you are sending money to. 

For payments completed in Online Banking, you will need to register your mobile phone with our Online Guardian security system (30 day stand down period applies unless verified earlier in Branch or via our call centre), so that we can validate your payment and identity with an Online Guardian verification code by txt. Once your mobile phone has been registered and approved, you can start making international payments after a further one-off 7 day stand down period. 

Things to know:

  • You must have cleared money for the amount to be sent
  • We charge fees for international payments whether staff assisted or initiated through online banking. Please see the fees page for international payments
  • There may be additional other bank charges deducted by the overseas intermediary and beneficiary banks. These charges will be deducted from the International Payment and therefore will decrease the amount received by the payee
  • Payments in NZD (New Zealand Dollars) are not accepted by all banks. International payments made online can be sent for an equivalent amount of NZD once you have selected the foreign currency. If your payment needs to be sent in NZD and this is not available in the picklist, please visit your nearest Westpac branch
  • We will need to hold a copy of your identification document with your current and correct full name or organisation name. Please refer to our list of acceptable verification documentation.
  • Westpac does not facilitate International Payments with some countries. 
  • From time to time we may need to contact you to verify your identification documents held on file. Read more information on verifying ID as follows: 

No online banking & unable to visit a branch?

If you're currently overseas or unable to receive the Online Guardian verification code by text or unable to visit a Westpac branch, you can make a request in writing to arrange an international payment. Please download and complete the Outbound Telegraphic Transfer Request form and send it to


  • Money transferred must be sourced from a Westpac account that you have authority to make withdrawals.
  • If you do have online banking and can receive the Online Guardian verification code by txt your manual request may be declined.

Sending money from overseas.

How to send money from overseas to a Westpac New Zealand account:

Please instruct the initiating bank to send the money directly to:

Registered office
Westpac New Zealand Limited 
New Zealand

The SWIFT code for Westpac New Zealand is WPACNZ2W

The account name and full account number of the account to receive the money must be included for processing.

Account number should be formatted as follows:

Bank and branch number, seven digit account number and three digit account suffix (if your account suffix is 12, enter 012).


Note: hyphens indicated above are merely for illustrative purposes and should not be entered as part of the account number.

Things you should know.

Terms, conditions, fees and charges apply to Westpac products and services. See our terms, conditions, fees and charges or visit your local branch for full details.

International Payments are facilitated by Westpac Banking Corporation (acting through its New Zealand branch) ABN 33007457141, incorporated in Australia. International payments may be subject to charges by overseas banks. Westpac has no control over these charges, which are subject to change and can be substantial. Westpac is not liable for any of these charges and commissions, which are the responsibility of the account holder. No member of the Westpac group accepts any liability for losses suffered as a result of converting currencies and any exchange risks from the conversion of currencies is the responsibility of the account/deposit holder.

There are some countries that block TXT messages from New Zealand, so if you have not received a TXT message from us within 5 minutes, you will need to phone the Westpac Contact Centre directly on +64 9 912 8000 (international toll charges apply). We’re available weekdays from 7.00am to 8.00pm and weekends from 8.00am to 5.00pm NZT.