Send money overseas FAQs

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.

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:

If you cannot provide these details, a Draft may be more suitable.

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. 

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 

1. Login to Heritage Finance Holdings Online on your desktop or mobile browser
2. Go to the Transfers menu then select Transfer Money Internationally
3. 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.
4. Review and confirm the payment details are correct.
   

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.


5. Review the verification information. 
6. Click Confirm Transfer. You'll be shown a successful transfer message once the transfer is complete. 

Mobile Banking App

1. Login to the Mobile Banking App
2. Go to the main menu and select Transfer Money Internationally. You will be redirected securely to Heritage Finance Holdings Online.
3. 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.
4. Review and confirm the payment details are correct.
   

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.


5. Review the verification information. 
6. Click Confirm Transfer. You'll be shown a successful transfer message once the transfer is complete.