Send money overseas
You can send money to an overseas bank account using an international money transfer. This is one of the fastest ways to make an international payment.
The receiving bank, or other banks involved, may deduct fees. This means the full amount you send may not be credited to the recipient’s account.
How international money transfers work
An international transfer moves money from your account to an overseas account through the international banking network. The payment may pass through multiple banks before reaching the recipient.
How long international money transfers take
Money usually arrives in the overseas account within one to three business days. Final delivery time depends on the receiving bank.
For payments sent to Australia in Australian dollars, transfers made before 1 pm typically arrive the same day.
Fees that may be deducted
Banks involved in processing the transfer may deduct fees along the way. Because of this, the recipient may receive less than the amount you sent. See all fees.
Adding a payment reference
Add reference details to help the recipient identify the payment on their bank statement.
See our step-by-step guide on how to send money overseas.
Receive money from overseas
You can receive money from overseas into an everyday account, or a foreign currency account. The money is sent as an international payment from an overseas bank.
What the sender will need
The person sending you the money will need specific information to complete the payment including:
- Your account details
- Their account details
- Our SWIFT code
- An international bank account number (IBAN) or BSB number (some overseas banks might ask for these).
See our guide for full details on the information the sender will need.
Fees for international payments
You’ll be charged an inward international payment fee when you receive an international payment from an overseas bank. Other fees may also apply.
See our foreign exchange rates and fees page for details on our inward payment fee.
This information is subject to change. Kiwibank accepts no responsibility for errors or omissions.