Sending money to or from overseas

Telegraphic Transfer

How to send an International Payment (Telegraphic Transfer)

International Payments can be made through Westpac Online Banking and at your nearest branch.

What you need when making an International Payment

  • 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.  If unsure which currency to send, check with the person you are paying.  You can view a full list of available countries and suggested currencies here.

For payments completed in Online Banking, you will need to register your mobile phone with our Online Guardian security system (30 days 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 available here.
  • from time to time we may need to contact you to verify your identification documents held on file. Click here for more information.
  • Westpac does not facilitate International Payments with some countries. Click here for more information.

What to do if you don't have Online Banking and are unable to visit a branch

If you're currently overseas 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

Note: Money transferred must be sourced from a Westpac account that you have authority to make withdrawals.


What are 'drafts' or 'bank drafts'?

A draft is like a bank cheque made out in the name of the person you want to pay, in certain available currencies. We give you the draft and you send it. From 16 November 2020, Westpac will no longer be issuing international bank drafts. Telegraphic Transfers are a safer and faster alternative payment method available to you.

Remember, drafts can’t be made out, or exchanged for cash and only the person you name on the draft can receive value for it.

Receiving money (or 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.