Features and benefits

$0 transfer fee

A $0 transfer fee is charged by NAB when making an international payment with a currency conversion through NAB Internet Banking or NAB Connect.

Real time tracking

Know the exact location of your international money transfers with real time, end-to-end tracking.

No minimum transfer

No amount is too small when you send funds overseas. Plus, you can transact in over 40 global currencies and send to over 230 countries.

International money transfer

Make international transfers with payment fees from $0 and track the progress of your payments using NAB Connect or NAB Internet Banking.

You must be a NAB customer before you can make an international money transfer.

  • Transferring money overseas is simple and can be done online or via our app. You can transfer over 40 global currencies and send to over 230 countries.

    Before transferring any funds, please confirm the details of the person or business you’re transferring to. You’ll need the following information from your recipient.

    • Their full name and street address (not a PO box).
    • The IBAN or bank account number.
    • A SWIFT code or BIC (this identifies their bank), or, if unavailable, the full bank address.
    • Any other information they have, such as sort codes or routing codes. 

    SWIFT, IBAN and BIC Explained:

    Depending on the receiving bank’s requirements, you will need to know their IBAN, SWIFT and/or BIC.

    • IBAN stands for International Bank Account Number.
    • SWIFT stands for Society for Worldwide Interbank Financial Telecommunication.
    • BIC stands for Bank Identifier Code.

  • Your recipient should receive the money within 24 hours . You can view the tracking status of your payment along with other information via NAB Connect or NAB Internet Banking.

Real-time tracking

For transactions made using NAB Internet Banking or NAB Connect, you can keep an eye on international payments by tracking them from the moment the payment is processed, until the money reaches its destination.

Once logged into the system, view your recent transaction history and click on the international payment to see the details of the payment and find the unique reference number.

Use this number to track its progress, like you would a parcel.

View Learn about NAB international payment tracking transcript (DOC, 10KB), opens in new window

  • This can include the following:

    • Status update – the current status of the payment’s journey.
    • Amount sent – the payment amount debited from the sender’s account.
    • Fee deducted – the fees deducted by the overseas banks involved in processing your payment.
    • Amount credited – the amount your recipient (payee) receives or is expected to receive.
    • Transaction reference – NAB reference number for this payment (quote this number if you call us about this transaction).
    • Elapsed time – the total time taken since the payment was sent from NAB.
    • Service – the service used to transfer this payment.

  • Metro-line lists each bank and their location along the payment’s journey, which can include:

    • The time and date that each bank has provided an update of the international payment’s status; and/or the time taken to process the payment.
    • If a fee is deducted by a bank, it will be indicated next to the bank’s name along with the time taken to process the payment by that bank.
    • The amount sent will show the original value of the payment sent by the customer and the amount to be credited. Value will be the original amount less the sum of any fees deducted by any banks during the payment’s journey.

  • Metro-line lists each bank and their location along the payment’s journey, which can include:

    • The time and date that each bank has provided an update of the international payment’s status; and/or the time taken to process the payment.
    • If a fee is deducted by a bank, it will be indicated next to the bank’s name along with the time taken to process the payment by that bank.
    • The amount sent will show the original value of the payment sent by the customer and the amount to be credited. Value will be the original amount less the sum of any fees deducted by any banks during the payment’s journey.

Video Tutorials

View our video tutorials on how to send money overseas.

Learn more about international payments

Terms and Conditions

Before applying, please read the Terms and Conditions and NAB Connect Fees and Charges (PDF, 90KB), opens in new window.

Before applying for Internet Banking, please read the International Transfer Terms and Conditions and Personal Banking Fees and Charges.

Examples are for illustrative purposes only and do not reflect current prices or outcomes. Actual figures may be higher or lower. It is not intended to be your sole source of information when making a financial decision. You may wish to consider getting advice from a licensed finance professional.

The information provided on this page is intended to be of a general nature only. It has been prepared without taking into account your objectives, financial situation or needs. Examples are for illustrative purposes only. Before acting on the information on this website, National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit License 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any information on this webpage.

Please consider our Financial Services Guide.

Target Market Determinations for these products are available at nab.com.au/TMD.