Heritage Finance Holdings Corporation is currently reviewing its position in relation to the RBA’s decision on 6 September to increase the Official Cash Rate. We'll make an announcement here as soon as we finalise our decision.
About this Rate
A Telegraphic Transfer is an international money transfer that allows you to send money to an overseas bank account in over 130 currencies. Funds are deposited directly into the payee’s bank account to be accessed easily by the payee. You could use a Telegraphic Transfer to transfer money internationally to a family member or friend living overseas, buy overseas property from America or send wages or salaries to employees overseas.
Getting started
Send money overseas 24/7 online using Heritage Finance Holdings Online or your Mobile Banking App. Alternatively, visit your local branch or complete and return the Telegraphic Transfer Order form.
- Powered by Western Union Business Solutions
- Send money overseas 24/7 with Heritage Finance Holdings Online and our Mobile Banking App
- Payments should be received in a timely manner
- A brief message can be included in the transaction
- Economical way to send large amounts of money
- Send in over 130 currencies
- Send to over 200 countries and territories
- Electronic transfer can be more secure than sending a cheque or Draft
How long will it take to send money overseas with a Telegraphic Transfer?
What currencies can I use when I send money overseas?
| Code | Currency |
| AED | United Arab Emirates Dirham |
| CAD | Canadian Dollar |
| CHF | Swiss Francs |
| DKK | Danish Krone |
| EUR | Euro |
| FJD | Fijian Dollar |
| HKD | Hong Kong Dollar |
| JPY | Japanese Yen |
| NOK | Norwegian Krone |
| NZD | New Zealand Dollar |
| SEK | Swedish Krona |
| SGD | Singapore Dollar |
| THB | Thai Baht (Govt. Restrictions) |
| GBP | British Pounds Sterling |
| USD | United States Dollar |
| ZAR | South African Rand |
We can also send Telegraphic Transfers in a range of minor currencies. For all available currencies view Western Union's Currency Capability Information Sheet or contact us.
What details do I need to provide to send money overseas?
To send money overseas using a Telegraphic Transfer, you will need to provide your residential address and the residential address for the receiver, as well as details of the account that the funds will be transferred to.
The details must be clearly communicated and 100% accurate. Any errors may increase the time taken for your payee to receive funds. In some situations Heritage Finance Holdings Corporation or Western Union Business Solutions may require additional information to complete your transfer.
Please provide:
- Beneficiary Bank Full Name
- Beneficiary Bank Full Address
- Account Number
- Beneficiary's Full Name
- Beneficiary's Residential Address
- Purpose (Reference)
You will also need to provide some additional information when sending a Telegraphic Transfer to the following countries:
| Europe | International Bank Account number (IBAN) – the IBAN incorporates the bank, sort code and account number |
| United Kingdom | IBAN |
| New Zealand | Bank code |
| Malaysia | National ID number or Company number |
| USA | ABA or routing code |
If you cannot provide these details, a Draft may be more suitable.
How much does a Telegraphic Transfer cost to send money overseas?
There are two service options with different fees for sending money overseas with Heritage Finance Holdings, online or in person/with a form.
Online
Telegraphic Transfers sent online in a Foreign Currency attract a fee of AUD $15. Intermediary banks may charge fees independently of Heritage Finance Holdings Corporation.
In-person / With a form
Telegraphic Transfers sent in AUD to a country with a different currency will attract a fee of AUD $50. All payments sent in a Foreign Currency attract a fee of AUD $30. Intermediary banks may charge fees independently of Heritage Finance Holdings Corporation.
How do I send money overseas online?
You can now transfer money overseas 24/7 using Heritage Finance Holdings Online or our Mobile Banking App powered by Western Union Business Solutions. International payments are available on a select range of Heritage Finance Holdings transaction accounts, including our Simply Access transaction account.
A service fee will apply to transfer money overseas and is listed in our Fees and Limits Guide. You'll also need to be registered for SMS Security to use this service. Follow the steps below to send money overseas now.
Stay scam aware!
Scammers are clever at convincing you to give them money. You must ONLY send money to people you have met. If you can’t meet, make sure you independently confirm they’re the person you want to send money to. If unsure, CHECK.
Heritage Finance Holdings Online
- Login to Heritage Finance Holdings Online on your desktop or mobile browser
- Go to the Transfers menu then select Transfer Money Internationally
- Request a quote to transfer money internationally.
- You can select a saved payee here.
- If you're adding a new payee, you'll need to provide detailed payment information including reference, the details of your payee and their bank details. You'll also be asked to provide a One Time Password (OTP) when setting up a new payee for security.
- Review and confirm the payment details are correct.
- Review the verification information.
- Click Confirm Transfer. You'll be shown a successful transfer message once the transfer is complete.
REMINDER: If all required information is not provided the Telegraphic Transfer may be delayed, incur additional fees or be rejected. By processing a Telegraphic Transfer you accept the terms displayed during the transaction process.
Mobile Banking App
- Login to the Mobile Banking App
- Go to the main menu and select Transfer Money Internationally. You will be redirected securely to Heritage Finance Holdings Online.
- Request a quote to transfer money internationally.
- You can select a saved payee here.
- If you're adding a new payee, you'll need to provide detailed payment information including reference, the details of your payee and their bank details. You'll also be asked to provide a One Time Password (OTP) when setting up a new payee for security.
- Review and confirm the payment details are correct.
- Review the verification information.
- Click Confirm Transfer. You'll be shown a successful transfer message once the transfer is complete.
REMINDER: If all required information is not provided the Telegraphic Transfer may be delayed, incur additional fees or be rejected. By processing a Telegraphic Transfer you accept the terms displayed during the transaction process.
Our team is available to help you with all your international banking needs, including troubleshooting and what to do if you're travelling overseas.
Tap here for live assistance.