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How to receive an international transfer with ANZ

How to receive ANZ international transfers, how much it will cost and how to minimise fees


In this guide, we’ll go through everything you need to know when receiving money from overseas with ANZ, from SWIFT codes to all the fees it’s worth knowing about in advance.

Where can I find the information I need to receive an ANZ transfer?

To receive an ANZ money transfer you’ll need to provide:

  • ANZ branch address. You can find this online at the ANZ website.
  • Your BSB and account number. You can find this by logging into your account or checking a bank statement.
  • ANZ’s SWIFT code. This is ANZBAU3M. If your sender is required to enter an 11-digit SWIFT code, they can add XXX to the end so it reads ANZBAU3MXXX.

SWIFT, IBAN and BIC: What’s the difference?

What fees are involved for the receiver?

The fees will vary depending on where the money is coming from, whether the currency needs to be converted and which bank you’re using.

ANZ will typically deduct these fees from your money before depositing it into your account. Some of the fees include:

Transfer typeFee
Payment to ANZ bank accountUp to $15
Payment to non-ANZ bank accountUp to $25
Unconverted foreign currency payment to a non-ANZ foreign currency bank account$35
Bank cheque issued for amounts of $100 and over$27
Payments made on application and identification$20

ANZ’s fees explained

These receiving fees aren’t the only costs. There are other fees, and they’re also going to be deducted from the amount of money you’re receiving. Once you add up all these fees, you’ll typically receive less money than was originally sent.

Senders can opt to pay these fees upfront, but this generally incurs additional costs.

Other fees include:

  • Sending fee. There will often be fees for initiating a money transfer through ANZ.
  • Correspondent bank fees. These are the fees taken out by intermediary banks along the payment route.
  • Exchange commissions. Every time a currency is converted en route it will typically lose a bit of itself to exchange rates. The usual procedure is to convert transfers to USD before converting them to NZD, so your money might be converted twice before it arrives.
  • Exchange fees. There may be additional fees for exchanging currencies on top of the commissions charged.
  • Fee for paying the fees upfront. If the sender wants to pay all the fees upfront, to ensure that enough money is left at the other end, they’ll usually have to pay an additional fee on top of all the others.

Because there are no many fees and conversions involved in bank transfers, it’s almost always cheaper to use specialist money transfer services.

What form can I receive the transfer in?

You can receive an international transfer in several different ways.

  • Direct to your bank account. You can get it sent straight to your ANZ account using the SWIFT network. These are often known as telegraphic transfers or wire transfers. It’s reliable but expensive.
  • International cheque. You can receive money as an international cheque in the mail. It can then be cashed or deposited into your bank account. The funds are withdrawn from the sender’s account when the cheque is cashed.
  • International bank draft. These are similar to cheques, except they can only be deposited into your ANZ account and are paid for upfront by the sender. This makes them more secure but less flexible than international cheques.
  • Money order. Money orders are very similar to bank drafts, as a pre-paid financial instrument that can be cashed later. The main difference is that they aren’t specific to banks, and can instead be bought and cashed at a wider range of approved institutions, such as post offices.

If you want to pick up cash, see which money transfer services can help you out here.

How ANZ international money transfers work

Are there cheaper alternatives to ANZ?

Many providers will offer cheaper money transfers than ANZ. If you opt to receive your funds through a specialist money transfer service, rather than through ANZ, you could end up with more in your pocket.

The calculator below lets you see how much different specialist money transfer services may cost, so you can see how much you could save.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
NZD 250 1 day NZD 0.00 0.657 USD
SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.
Go to site Show details
NZD 0 Same day NZD 0.00 0.657 USD
Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
NZD 2,000 2 days NZD 0.00 0.657 USD
Exclusive offer: $0 transfer fee and discounted exchange rates for all Finder customers.
A higher exchange rate applies to non-finder customers. Send money in more than 60 currencies.
Go to site Show details
NZD 250 1 day NZD 0.00 0.657 USD
TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply. Go to site Show details
NZD 1 Within an hour NZD 3.99 0.656 USD
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
Go to site Show details
AUD 250 1 - 2 days NZD 15.00 0.657 USD
A higher exchange rate applies to non-finder customers. Send money in 45 currencies. No fee if you transfer over AUD$10,000. Go to site Show details
NZD 1 1 - 2 days NZD 80.00 0.66 USD
Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
NZD 5 1 - 2 days EUR 3.00 0.655 USD
Special offer: Zero fees on your first 10 transfers.
Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
NZD 10,000 1 - 2 days NZD 0.00 0.655 USD
Shop around for the best exchange rate on CurrencyTransfer's online marketplace. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

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