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Personal / International / Money Transfer

IMT fees waived

  • When you send money overseas using NetBank or the CommBank app, we’ll waive the transfer fee (excludes AUD to AUD).

    We’ll also absorb any correspondent bank fees for these transfers.

Track your payments

  • Whether you’re sending or receiving IMTs, our payment tracker will keep you up to date on the status of your IMT. Simply log on to NetBank using your Unique End-to-Tracking Code (UTER) – a 36-character code found in your payment details.

More than 200 countries, over 30 currencies

  • Want to send money to friends and family overseas for a special occasion, or to cover their day-to-day expenses? Need to pay an overseas bill or invoice? You can send an (IMT) to more than 200 countries, in over 30 currencies from the CommBank app, NetBank or at your nearest branch.

    Download the CommBank app:

Making business related payments?

How to send money overseas

To transfer money to someone overseas, you’ll need their full name, home address, account number or International Bank Account Number (IBAN) and the SWIFT or Bank Identification Code (BIC) of their bank

Tip: if you convert your payment into foreign currency and send from NetBank or the CommBank app, you’ll lock in the exchange rate and we’ll waive the transfer fee.

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Your checklist

How to send an IMT

  • Send to an account number using NetBank or the CommBank app

    1. Log on to NetBank, go to Transfers and BPAY then select International money transfers.
      Or log on to the CommBank app, tap Pay someone then Overseas transfer
    2. Choose your account, destination country and currency
    3. Add the payee’s details
    4. Double-check the details you’ve entered are correct

  • In branch

    You can also send money overseas at your nearest branch (minimum AUD5,000 per transfer).

    It’s quicker to make a transfer online or using NetBank or the CommBank app.

International Money Transfer (IMT)

Sending an IMT using NetBank or the CommBank app

When you send money overseas using NetBank or the CommBank app, we’ll waive the transfer fee. (excludes AUD to AUD).

We’ll pay any correspondent bank fees when you send an IMT in any currency, as long as the originating account currency is different to the payment currency (i.e. a cross-currency IMT) – e.g. using an AUD account to send a payment in USD. We won’t cover any fees that may be charged by the payee’s bank.

Sending an IMT using CommBiz 

We'll pay any correspondent bank fees when you send a cross-currency IMT (Japanese Yen excluded).

If you use a Foreign Currency Account to send a same-currency IMT, for select currencies, you have the option to pay a separate upfront fee to cover the correspondent bank fees. We won’t cover any fees that may be charged by the payee’s bank.

Sending an IMT in-branch 

We’ll pay any correspondent bank fees when you send a cross-currency IMT – e.g. using an AUD account to send a payment in USD. 

If you use a Foreign Currency Account to send a same-currency IMT, for select currencies, you have the option to pay a separate upfront fee to cover the correspondent bank fees. We won’t cover any fees that may be charged by the payee’s bank.

Find out more about fees and charges for IMTs.

Fees and charges

Description
Fee
Issued via a branch
$30.00 per transfer
Issued via NetBank or the CommBank app. Funds debited from an AUD account and converted to foreign currency. 
Fee waived
Issued via NetBank or the CommBank app. Funds debited and credited in AUD currency (no FX conversion).
$30.00 per transfer
Issued via NetBank or the CommBank app. Funds debited from a Foreign Currency Account.
Fee waived
Cancellation and request for funds to be returned2,3
$25.00 per request plus overseas bank’s costs
Amendment to payment instruction, i.e.  payee, bank, address when requested by customer, or where the overseas bank is unable to process payment on original instruction.
$25.00 per request plus overseas bank’s costs
Investigation of sent International Money Transfer (trace)2,3
$25.00 per investigation includes any subsequent follow up request. To save on fees, check your payment status using our payment tracker before lodging a trace.

Receiving money from overseas

The person sending you money will need your full name and home address (PO Boxes cannot be used). They’ll also need:

  • Bank name: Commonwealth Bank of Australia
  • CommBank BIC/SWIFT code: CTBAAU2S
  • Your 14 digit account number: Log on to NetBank or the CommBank app. This info sits beside the account you want money transferred into. E.g. 06XXXX XXXXXXXX

Fees and charges

Description
Fee
For credit of a Commonwealth Bank Australian dollar (AUD) account (regardless of currency)4
Up to $11.00 per transfer
For credit of a CommBank Foreign Currency Account4

Up to $11.00 per transfer
For credit of an AUD account at another bank4

Up to $25.00 per transfer
For credit of a Foreign Currency Account at another bank4

Up to $35.00 per transfer

Support

Message us 24/7

Get instant help from Ceba in the CommBank app or connect with a specialist who can message you back. You’ll need CommBank app notifications turned on so you know when you’ve received a reply. 

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Protection for unauthorised transactions

  • We’ll protect you from losses due to unauthorised transactions on personal and business accounts when you take the necessary steps to stay safe online. 

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Things you should know

  • 1 All fees are stated in Australian dollars. For more information about fees and charges for international payments, read our Standard fees and charges for international payments and travel funds. 

    Read about our IMT terms and conditions for NetBank and the CommBank app.

    2  This is a request only and is dependent on the overseas bank obtaining the relevant debit authority to be able to return funds. Returned funds will be converted back to the currency of the funding account at the published Bank buys IMT rate on the day it is credited to the funding account.

    3 Overseas bank charges (which may vary from country to country) could apply in addition to the charges listed above.

    4 Fee charged depends on arrangements with overseas banks.

    The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page. Terms and conditions are available on the app. NetBank access with NetCode SMS required.

    Commonwealth Bank of Australia ABN 48 123 123 124.