Transfer funds overseas with NAB Internet Banking (+ video)

Posted in Banking tips

Whether you’re sending money to a relative or doing business overseas, take the hassle out of international money transfers with NAB Internet Banking.

Sending money overseas is easy

You can send funds to over 100 countries around the world using NAB Internet Banking. All you need is the full name and street address of the intended recipient, their full account details and the SWIFT code of the recipient bank.

The SWIFT code is also known as the Bank Identifier Code (BIC). If you’re sending money to the UK or Europe you may need that country’s International Bank Account Number (IBAN).

Where you know the recipient’s IBAN, you can confirm its validity and populate the correct SWIFT code by hitting the ‘Generate’ button on the transfer form.

If you don’t know the SWIFT code and aren’t using an IBAN, you can always find it on the SWIFT online directory.

Why use Internet Banking for international transfers?

Save and protect your money

Transferring funds through NAB Internet Banking is faster, easier and cheaper than doing it in a NAB branch. You can still send money straight from your everyday account.

The transferred funds are protected by the innovative security measures of NAB Defence and the SWIFT network. SWIFT is a secure network of international financial institutions, so you know your money will reach its destination smoothly and quickly.

Lock in your real time exchange rate

During business hours real time rates let you know the exact amount of foreign currency that you’ll send for your Australian dollars, giving you certainty down to the last cent, penny, or yen. By locking in your exchange rate you are protected from any currency fluctuations and will avoid surprise conversions from other banks.

Sending in the currency of the recipient can also make for a faster transfer, as you avoid delays from banks that don’t accept Australian Dollars (particularly in Africa and South America) or dealing queues for larger value transactions.

Keep in mind that although you can lock in currency rates for your transfer, other banks may charge fees on the transaction.

There are two options when completing the International Money Transfer form
Firstly you can select whether any other banks fees should come out of your account that you are sending from.


You can nominate that the fees should come out of the funds you are transferring across.

These other fees are usually not advised to nab and can result in your transfer amount being less than the amount you intended to reach the recipient.
Either way any nab fees will come from within the account you are sending.

If the transfer is made before Internet Banking cut off times it may be settled on the same day.

What you need

  • Your NAB Internet Banking login details:
    • NAB ID (which is on the back of your credit card or debit card)
    • Your NAB Internet Banking password
  • Pay Anyone and SMS Security activated.
  • Full name and street address of the intended recipient, their full account details and the SWIFT code of their bank

What to do

In NAB Internet Banking, open the Funds Transfer menu and select New International Transfer. You should be able to guide yourself through the process or the short video above tells you what to do.

Would you like to share your experiences with transferring funds overseas? Leave a comment or tip below.

If you have a question about a product or service, please contact us. This includes enquiries you might have about your current NAB products.

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330 Responses to Transfer funds overseas with NAB Internet Banking (+ video)

  1. sergio almemdrades says:

    where can I see the 50 countres list

  2. Amara says:

    It doesn’t say anything about how much time it takes for the recipient receive, why I should use this service over Western Union/Moneygram….? No Clue…..

  3. peter says:

    how long does the transfer take to reach the overseas bank account?

    • NAB says:

      Hi Peter, the transfer of funds is usually received within 72 hours by the beneficiary’s bank. If the overseas bank is not the beneficiary’s, it may take longer to on forward funds to the beneficiary’s bank. There may be other circumstances outside of NABs control which may also cause additional delays. Hope that helps. ^JL

  4. Ken says:

    Can I transfer money from UK Bank to NAB account in the same way?

    • NAB says:

      Hi Ken, this will depend on whether your UK bank offers a similar service – best to check with them! Please refer to their instructions when transferring funds. ^JL

  5. sher says:

    hi, will you send my recipient a mail or post to annouce her after i did the international transfer??

  6. Noemie says:

    Hi, I opened an account in your branch Bank of New Zealand, thinking I’ll have no fees for an international funds transfer from my own NAB account to my own BNZ account? Is that correct?

    • NAB says:

      Hi Noemie, the same fees apply to transfer funds from a BNZ account to a NAB account (considered New Zealand to Australia). Hope that helps. ^JL

  7. Tracy says:

    I transferred money to a German bank account and it took 7 days to go through!!

    • NAB says:

      Hi Tracy, thanks for letting us know. Transfer of funds are usually received within 72 hours by the beneficiary’s bank. If the overseas bank is not the beneficiary’s, it may take longer to on forward funds to the beneficiary’s bank. There may be other circumstances outside of NAB’s control which may also cause additional delays. If you would like us to follow up on this transaction, let’s chat more via ^JL

  8. Bill says:

    Where do I find the list of countries that I can send money to. Is Ukraine one of them

    • NAB says:

      Hi Bill, you can find the list of countries that you can send an International Funds Transfer to here. Currently, Ukraine is not on this list – however, this list of countries is under review and I’ll let everyone know if there are any changes. ^AS

  9. Andy says:

    Hi, I have NAB account and I am in overseas at moment. I would like to transfer my money to the account in overseas. But I can’t set up SMS in overseas. What should I do?!

  10. Valentina says:

    I just opened an account with NAB and I have to get money from my parents in Italy. The SWIFT code is the same for all branches of the NAB?

    • NAB says:

      Hi Valentina, that’s right! Our standard SWIFT code is NATAAU3303M ^JP

      • Kiwi Nick says:

        Suggestion: provide the NAB’s SWIFT number (NATAAU3303M) somewhere in the article itself, and also in the Swift (BIC) search function.

        This will answer the question about what to tell other people who send money to us.

        Ironically, there is a response if you search NAB, Country=Australia, but it is NABINVEST.

  11. Rob says:

    I want to transfer money from my NAB account in Australia to Bank of America in NYC. The BOA web site states:

    Bank of America’s SWIFT Code number is BOFAUS3N for US Dollars and BOFAUS6S for foreign currency.

    Which SWIFT do I use?

    • NAB says:

      Hi Rob,

      When making an international funds transfer, you can choose whether to choose to send funds in AUD or another currency (in your case USD). If sending funds in AUD I’d use their foreign currency SWIFT code. If sending funds in USD then the corresponding SWIFT code. If you have further questions, let me know! ^JP

      • Mirza says:

        Hi, while my friend is trying to make a transfer using his australian bank account to my bank of America account, it says it required a Beneficiary Bank Number, not sure what that is, all I have is swift code and routing please

  12. The videos helps the instructions more clearer. Thank for the posts.

  13. Anthony Aldridge says:

    Hi i would like to start making automatic payments to my new Zealand bank account (bnz) for mortgage payments. I am wondering what the fastest and easiest way of doing this which isn’t going to cost heaps in transfer fees??

    • social-media says:

      Hi Anthony, the easiest way to transfer funds to your overseas Home Loan is via an Internet Banking International Funds transfer. The fee of $22 for this is the lowest of our International Funds transfer options. Feel free to email us at if you require further information. ^AS

  14. zain says:

    Dear Team,

    My client in australia send me payment in pakistan through wire transfer on 07 November 2012 but still i did’t receive payment. kindly tell me how can i track the payment. if required i can share Bank transaction No.


    • NAB says:

      Hi Zain, if the transfer has come from an international bank, the sender of funds will need to lodge a trace with the originating bank, thanks ^JP

  15. Chel says:

    How much is the bank charges if I fund transferred AUD3,000 to USA bank account?

    • NAB says:

      Hi Chel, if you were to transfer funds to the USA via NAB Internet Banking, there is a fee of $22. To transfer these funds over the counter at a branch, the fee is $30. ^AS

  16. Karen says:

    can I transfer aus$2000 to Hong Kong. how much is fee?! and is there any maximum amount per once?

    • NAB says:

      Hi Karen, to do a international funds transfer via Internet Banking the fee is $22. You’re able to send funds for the amount of your daily transfer limit (i.e. if your daily limit is $5000 and you haven’t transferred any other amounts that day, you can transfer up to $5000 AUD). If you have any further questions, let me know at ^JP

  17. Jake says:

    Hi how do i get my internet banking password to set up internet banking, now i am overseas?

  18. Shalini says:

    If I had a NAB account and wanted to transfer AUD to India, but NOT convert it to INR,does NAB provide those facilities? Thank you – Shalini

  19. KAMLING says:

    hi i like to transfer money from India to australia and want to know the swift code of NSW MIRANDA branch kindly provide me with the swift code

  20. Baton says:

    Hi there,

    It’s a excellent service. For the fee of transfer is $22, is there any difference of this FEE between a transfer of a 2000 dollars transfer and a 20000 dollars transfer? they are the same of 22 dollars? Is there any more fee caused by the reciepient bank in China top upon the 22 dollars? and how much is it? I exactly believe the NAB big bank to do it! Thanks a lot.

  21. Jim Byrne says:

    I want to get money paid into out NAB account from overseas.
    What is the NAB’s swift number

  22. Claire says:

    Hi there. I was wondering if there is anyway that I can convert some of my NAB money into pounds on the same bank account and use my VISA debit card in England? thanks :)

  23. Rose says:

    Hi There,

    I am in the UK and trying to transfer funds however my UK bank does not have an IBAN that I am aware of. At the moment I am wanting to transfer approx $1300 AUD. As I am currently unable to do so what would be the fee incurred if i was to withdraw this amount through an ATM?

    Thank you,

    • NAB says:

      Hi Rose, if you have a NAB Visa Debit card then the fee to withdraw would be a $4 ATM withdrawal fee & foreign currency transaction fee of 2% of the Australian dollar transaction amount for cash withdrawals made. You may also incur a charge from the overseas ATM. If you have any further questions feel free to email ^JP

  24. Ana Barassi says:

    Can I have access to the 50 countries list? if the country is not in the list what can I do?
    Thank you

  25. Joel says:

    Is there a limit on how much you can transfer in one go? Would it be possible to transfer $50,000 to the USA and what would the fees be?

    • NAB says:

      Hi Joel, maximum daily funds transfer over internet banking is set at $20,000 – Anything over that has to be done at a branch ^SM

  26. bonney says:

    a person is going to transfer approx $95 NZ (from a NZ bank acct) into my NAB acct. What fees would i be charged for receiving a funds transfer from NZ?

  27. Lisa says:

    I have an NAB account in Australia and want to transfer it to my New Zealand bank account. It is the value of $250,000 AUD. Can I do an international internet banking transaction without having to come back to Australia to do it as I am living in New Zealand at the moment. Thanks Lisa

    • NAB says:

      Hi Lisa, if you’re still needing a hand with this one let me know, we’ll need to contact your home branch in Australia to see if the international transfer can be arranged. If you’d like to discuss send an email to ^JP

  28. nathan solomon says:

    Hi my dad wants to transfer me money from overseas what code would he need to transfer it my branch is Melton vic 3338.

  29. Rui says:

    just made a transfer to an overseas bank account, but the money’s still in my account. Is this normal? l mean, doesn’t the money “disappear” from my account straight away?

  30. Lee Johnson says:

    I can’t seem to transfer money from my UK account to my NAB Australian account. There isn’t an option to enter a Swift code or a BSB number…instead you enter the Sort code (normally 6 digits in the following format: 00-11-22) and an account number. My NAB account number is too big…and also the bank number/BSB is not recognised. I am with two leading English banks (Lloyds TSB and Halifax) and I have the same problem with both.
    The online banking option is the same for all English accounts. I was wondering if you could help me with this problem as it is costing me an awful lot of money to withdraw from my English account.

  31. thomas says:

    good morning
    where do i find the list of the 50 countries i may transfer money too?
    thank you

  32. Jason Brown says:

    Hi, I am currently living in Australia and want to transfer money from my UK bank account to my NAB account. Unfortunately I do not have online access to my UK bank account and cannot easily arrange this from here. Is there any way I can initiate the transaction from this side (i.e. at NAB) for a funds transfer from my UK bank account to NAB? I realise there are additional security concerns, but I think there must be a way to do this.

  33. Susan Bunce says:

    I would like to know the list of countries that I can transfer money to. I have looked at the tips and other peoples questions, some ask the same question, but I cant access the answer.


    Hello, I am in Italy at the moment and trying to do my first international fund transfer, to transfer my money from nab into my italian account. Everything was working well when I tried to put the beneficiary’s address (which is my italian address, I just put name surname, address, country details) but it tells me Error 229203 Beneficiary’s address contains invalid characters. I tried many times but it doesn’t work, could someone help me please?
    Thank you

  35. Pete says:

    I want to transfer Australian dollars to Thailand through internet banking, however it appears that the maximum I can transfer is AUD20,000. Is it possible to transfer more than this via internet banking?

  36. JAESIG HEO says:

    Hi. Just before a day, I sent my money from NAB to S.korea Bank(Kook Min Bank) with NAB internet banking service. But, unfortunately I found my mistake.
    I put the wrong Beneficiary bank SWIFT/BIC Code! only one alphabet missed.
    But the funds international transfer status showing “paid”
    I would like to know the funds transfer is working normal? or the funds reject and back to my NAB accounts?
    and now, What should I do? just wait when my fund transfer to my korea accout?
    Please help me.

  37. Chris Jackson says:

    I made a transfer on saturday morning however today sunday it is still processing and no funds have come from my account is this due to an error on my behalf or the fact this facility iant available for weekend funds tranfers overseas

  38. NAB says:

    Hi Chris, we follow government regulations and do not process any transfers during the weekend or public holidays. Any transfers done during this time will only be processed the next business day. Let’s chat via email ( if you have any more questions ^SM

  39. Sue says:

    I made an international transfer last year in November to a relative in Greece successfully. I’ve been trying to do another one for 3 days now using exactly the same details but I keep getting a message that the IBAN number contains invalid data. I have checked the details again with my relative who in turn checked with his bank in Greece and the IBAN number has not changed from last November. I contacted NAB help desk but they were unable to help me…………I am at a loss as to who can actually help me with this situation! Please advise……

  40. Caitlin says:

    Hi !

    I want to send funds to germany, but the address has an invalid character (ß) in it. What do I do? This is equivalent to ss in English so I believe that it should be ok if I alter the address to this.

    Is this correct?

  41. dharmesh says:

    i wanna send money to Nepal…in Nepal SBI bank…and that card also able to use in india ……and my frnd wanna use in india but i can deposit money on Nepal on SBI bank…its shows 17 no in account no….not like here bsb and acc no…so if i send it there u think it will be safe way…and if yes how long it gonna takes

  42. NAB says:

    Hi Dharmesh, depending on the country – it usually takes 2-3 days for the beneficiary to receive the funds – about the account number you are using, so that I can assist; I’ll need more info, can you send us more details at ^LB

  43. Anthony says:

    I am trying to transfer money from my US-based Morgan Stanley account to my NAB account. However, to add the NAB account as an “external account” I am required to enter a 9-digit (numerals only) routing number to find the bank. The instructions say that the routing number is on the bottom left hand corner of the cheque, however the NAB cheques don’t have such a number (I presume this is a US thing). Can you please advise what number I should enter for NAB?

  44. CEN says:

    I can’t not use the internation tranfer.
    Because the information tell me I write down wrong address in that.
    But i surely my address what i put in is correct.
    could u solve this problem??

  45. rj says:

    what will happen if swift code is incorrect? but has cleared my acct.? will it still push through?

  46. Keith D Campbell says:

    I transferred some money to Philippines on 5/4/13 and it is not at the bank yet.Can you tell me what the holdup is.

  47. David says:

    The trouble is that I want to purchase a property overseas and that means I have to have the funds arrive in AUD not converted before it goes or on the way. It’s also a better exchange rate overseas than in Australia.

    So haw do I ensure that the funds arrive in AUD?

  48. Ruby says:

    I would like to transfer money to my Hong Kong bank account, when I filled in my address, I was told “full address must be wrong. Post office box number is insufficient”… What can I do ?

    • NAB says:

      Hi Ruby, were you trying to enter a PO Box address? If so this won’t be valid when entering address details, the address will need to be residential. If you like send a screenshot to and I’ll have the team check this out for you, thanks ^JP

  49. Morgan says:

    Hey. Im in America at the moment and have set up a American express global travel card. To transfer money onto this account I need to use bpay. I don’t have global rising so I can not receive the SMS codes to finish the transaction. What can I do?

  50. Fiona says:


    I need to make a payment to someone not on my payee list. I’m travelling overseas at the moment, and have no working phone number so I am also unable to receive calls. Is there any way to switch off SMS security so I can make the payment?


  51. naren says:

    Dear sir
    i transferred fund by swift as on 25/04/2013 but not received yet after that i met with sender bank they sent FIN 195 queries swift dt. 03.04.2013. I worried about my money .benificery information is ok. kindly advice me.

  52. jay says:

    how fast is to transfer money from nba bank australia to thiland bank

  53. Jenny says:

    To make an international transfer to the UK of 2700 pounds, could you tell me the fees from NAB?

  54. jojie says:

    will i able to receive if someone sent me money from NAB account through western union , xoom money transfer or any other international fund transfer? how many days ?

  55. jojie says:

    will i able to receive if someone sent me money from NAB account from Australia to the Philippines, through western union , xoom money transfer or any other international fund transfer ? how many days ?

    • NAB says:

      Hi Jojie, international transfers can transfer funds to an account in the Philippines – I’d like clarification further info from you to help, can you please send through more details to ^LB

  56. Jason says:

    I’m having the same trouble as Sue on March 2 @11.56 reported. I’m trying to send funds to Sweden using a VALID IBAN, but the website keeps telling me I can’t proceed because the IBAN contains invalid data. It quotes an error #450501. This is VERY bloody frustrating!

  57. rachel mccoll says:

    It asks for my mobile verification code at the last step but as i am overseas i am unable to recieve messages. Is there anyway i can overcome this problem ?

    • NAB says:

      Hi Rachel, you can disable or change your SMS Security number to your overseas number by calling us directly on +61 3 8641 9886 (for customer outside of Australia) ^LB

  58. Nicholas says:

    I send some funds to africa and hasn’t reached there yet, what is the problem? how long does it takes before it gets there?

    • NAB says:

      Hi Nicholas, transfer of funds is usually received within 72 hours by the beneficiary’s bank. If the overseas bank is not the beneficiary’s, it may take longer to on forward funds to the beneficiary’s bank ^LB

  59. Akusi Brown says:

    I am expecting transfer from dubai to uk, and the transfer was done on 5th of june, but till now being 12th i have not received the money in my Bank account, The sender told me that the value date was 10th,but till now i have not received the money.what could be responsible for the delay?.

  60. thanh says:

    i would like to buy $USA (usa dollars) now and then use that usa money to buy goods later, say 10 months later. Can i do that with NAB account?

  61. lizzy says:

    hi, if i wanna tranfer money to china through online bank, there is no IBAN for china bank, so how can i deal with this issue, and where to enter account number??

    • NAB says:

      Hi Lizzy, if no IBAN is provided to you – you can input just the account number in that same field; let me know if you have further questions :) ^LB

  62. Ayumi Hirano says:

    I’d like to transfer money to Japanese bank. Do they have a SWIFT or IBAN code? If they don’t have it, is it enough that I write down their postal address and the name of the bank and branch name?
    Also normally how long does it take to reach the money that I sent to the bank in Japan from Australia?

    • NAB says:

      You are correct, Ayumi – if no IBAN is provided you can use the bank address and account number in the applicable field. Transfer of funds is usually received within 72 hours by the beneficiary’s bank. If the overseas bank is not the beneficiary’s, it may take longer to on forward funds to the beneficiary’s bank. There may be other circumstances outside of NABs control which may also cause additional delays ^LB

  63. christo says:


    i would like to have approximately US$1,300 transferred to my NAB classic banking account. What are the details i need to give the US bank and what are the fee for the transaction from the NAB bank (ie transfer fee, exchange, commission…?)


    • NAB says:

      Hi Christo, you will need to provide the overseas bank with the following information:
      - The address of your home branch
      - Your 9 digit account number and the 6 digit BSB number
      - NAB’s SWIFT Code is as follows: NATAAU3303M

      More info here ^LB

  64. Greg says:

    I want to send money from my NAB acc to my UK bank acc, the instructions say I have to have a name and address of recipient do I use my Australian address as I am living here or can I leave blank

  65. Renee says:

    I want to know the swift and bic number for my branch, Shellharbour.

  66. Graeme says:


    I recently send 200UK pounds back home to my sterling account. NAB charged me $22 for this service, and when it reached my account at home the value was only 185UK pounds. I have contacted my bank at home and they had applied no charges at their end (it is not their policy to charge for receiving international funds) – so what has happened to the other 15UK pounds???

    • NAB says:

      Hi Graeme, it sounds like an intermediary bank involved in this international funds transfer has charged you a fee. If you could send the team a secure message via Internet Banking (instructions here), they’ll be able to look into this for you ^AS

  67. Rui says:

    I can not find Chinese Yuan in the currency list though I know the SWIFT code of the Chinese bank. Does this mean not applical for AUD to CNY conversion?

    • NAB says:

      That’s right Rui, currently you’re unable to send funds internationally in CNY however you can select another currency to send funds in ^JP

  68. Alexa says:

    I can’t find what the fees I’m gonna pay depending on and how much they’re gonna be?

  69. Saran says:

    How to transfer money from India to Austrlia when we donot have any account in Australia

    • NAB says:

      Hi Saran, you’ll need to have an account open to be able to transfer funds from overseas in to an Australian account. if you’re moving to Australia or visiting in the next few months and would like to open an account prior to arrival, send through a message to and we can discuss options available ^JP

  70. Leo says:


    I have a question about the international transfer fee, my money transfer from AU to Taiwan isn’t success but you still charge AU$55, could I ask the bank return the fee?

    • NAB says:

      HI Leo, if the funds have been returned by the overseas financial institution, we’re not able to refund the NAB transfer fee. If you’d like to discuss this further, please email us at with your contact details and I’ll have the team give you a call. ^BH

  71. Alithia says:

    i have been transfer money to Spain, however am having the following errors – ‘Beneficiary Address’ contains invalid characters’ (Error 229203) and ‘Message to beneficiary’ contains invalid characters. Please try again. (Error 229155).

    i have tried retyping the address/words so it was not a copy paste issue and still no sucess. could you please help me?

    • NAB says:

      Hi Alithia, the first error you’re receiving (error 229203) is because you have invalid characters in the beneficiaries address. The valid characters are numbers 0-9 and letters a-z. The second error (error 229155) is because you haven’t entered a beneficiary nickname. If you run into any more difficulties, please let me know :) ^BH

  72. Ina Lee says:


    I just used International Transfer to send AUD1500 to my dad in China. I sent it to Bank of China. However, the bank account in China is under my name. When I left China, I gave my bank book to my dad, so he can withdraw money when he needs to. So the beneficiary account is my name, but the beneficiary is my dad’s name. Will there be a problem?

    Kind regards


    • NAB says:

      Sorry for not getting back to you sooner Ina, if the funds haven’t arrived in your Bank of China account yet and they haven’t returned to your NAB account either, you’ll need to lodge an amendment to your international funds transfer. If you need to lodge this, please send us an email at and I can let you know how to do this ^BH

  73. Rajeev Vayalakkara says:

    Hi, I have transfered money to Ping An Bank in china on 10th and its almost 17th. Till this date the beneficiary has not received money. While transferring money we tried to type all the details about beneficiary name…but as the Bank limiting the characters…”D” was missing from the LTD of the beneficiary name. I have been speaking to a few business banking staff. As advised i have sent an amendment to he original on15/10/13 as she said that we will get reply in 24 hours… Its almost going to be 2 days and so far no reply. When we rang today another staff was asking us why the amendment sent as there was no request from overseas bank about any more details. Why the international money transfer section is not helpful?. i hope some one can look into it and help us on this matter ASAP!!!!!

    • NAB says:

      Hi Rajeev, I’m sorry about the delayed response – have you been able to sort this out yet? If not, send through your details to and I’ll have the team follow up for you ^LB

      • Rajeev says:

        Hellow, Thanks for your reply. It took so long for the beneficiary to receive the money. I had to request to amend the beneficiary name. NAB overseas money transfer request form page allows only a certain number of characters in the beneficiary name field. I had to contract the account name (instead of Private, I used PVT) Anyway it took so long but beneficiary received money. Thanks

  74. Jim says:


    I would like to purchase a car while I’m over seas, how do I transfer apprx. AUD$50,000 from my NAB account to the USA while I am in the USA.



  75. Miguel says:

    can I transfer from my NAB account to Mexico bank (banamex)?


  76. Norbert says:

    What is the cost ?? I cannot see it anywhere

  77. David says:

    Next year owing to family circumstancesI will need to transfer the proceeds of all my assets to a UK Bank account immediately before repatriating. However I have been told that I cannot transfer more than AUD$50,000 per day, if this is true it would take days to transfer the full amount. Also I’m advised that to do this through the Internet I have to have a Mobile Phone, whatever for!!….there is no coverage where I live so I do not possess a Mobile Phone plus my PC would have long since been packed away by Removalists Anyway how come some rule distates what I do with my own money.
    Please advise
    Thank you,

    • NAB says:

      Hi David, keen to see what I can do to work this out for you; are you able to send me more details ( about where you are currently located? I’d like to get the team to contact you and work out what we can do from our end :) ^LB

  78. Claire says:


    I’m currently overseas and I intend to deposit money on my nab savings account? How do I go about this? Do I have to set up an internet banking to my other savings account as well?

  79. Robert says:

    How much is the fee, if I will transfer money from Singapore bank to NAB via internet banking?

  80. dorothy says:

    I currently live in brisbane and when I have sold my house i will be putting the money
    into my isaver account/retirement account and retiring in the UK’ I will open an account at the Yorkshire bank in the uk which I believe the Nab own – When i have found my new home in the UK and want to transfer it from Australia to the Uk – Will I have any trouble in doing so? Is there a limit on the money you can transfer over? What is the best procedure to take? Thanks..

    • NAB says:

      Hi Dorothy, you’ll be able to transfer the funds via Internet Banking – as long as you also keep your Retirement account active (as transfers can’t be made from the iSaver). You’ll also need to ensure that you’re registered for SMS Security, which is required for international funds transfers. The maximum daily transfer limit is $20,000.00 – please feel free to send an email to if you’d like to discuss this further ^AS

  81. Angela says:

    Hi, I´m Angela, I´m trying to transfer money from my NAB account to Spain. But when I´m filling the form, I always have problems to continue because of this: “Beneficiary Address’ contains invalid characters. Please try again”. I´m just using letters and numbers, nothing else, so where is the problem? What can I do to solve it?

    Thank you so much

    • NAB says:

      Hi Angela, that doesn’t sound right – if using only letter and numbers, you shouldn’t have any issues. If you’re still having trouble making the international funds transfer, please contact us via email at so we can discuss further ^AS

  82. Ruchi says:

    I’m a NAB user. I have to do international money transfer to my supplier in India. All the time when I have to do a transaction I have to go to NAB bank.
    Is this possible I can do international transaction from my home to my supplier.
    International money transfer process which is I follow is: I have to send Australian dollars in US Dollars. Then, that money to do RBI bank and then to my suppliers account in India.
    Could you please, let me know the steps for international transfer money from australia to India. Thanks

    • NAB says:

      Hi Ruchi,

      you can perform an International funds Transfer to India via your Internet Banking.
      You need to have SMS security and Pay Anyone set up on your Internet Banking and there is a daily limit of (maximum) $20,000.00 you can transfer out.
      Each outgoing transfer attracts a $22 fee, irrespective of the amount transferred; note that the fee will be included in the daily limit.

      If you need more assistance, send an email to with further details and a contact number and we’ll be in touch ^SN

  83. Kumareson says:

    Hi i would like to transfer fund from my Singapore Bank account (OCBC) into my Australia bank account (NAB) via internet transfer. Will i incur any charges for such transaction from NAB? if so how much would i incur? How do i go about making such transfers? Thanks

    • NAB says:

      Hi Kumareson, we can charge up to $15, to receive funds from overseas – If an intermediary bank is used to process the transfer, they may charge a fee too. More info here. As to how to send the funds, you’ll need to speak to OCBC directly ^SM

  84. Ryan Tang says:

    Hi. I’m in oversea now. I don’t have Australia mobile number. If I want to transfer money to my country. How can I get security code?

  85. Chandaraphone says:

    Dear Sir,

    Last two day I made international transfer to my home country, Laos. It looks like I received less amount than I expected around 1% of my transfer ( not include 22$ fee). Then I read the description above which say:

    Firstly you can select whether any other banks fees should come out of your account that you are sending from.


    You can nominate that the fees should come out of the funds you are transferring across.

    These other fees are usually not advised to nab and can result in your transfer amount being less than the amount you intended to reach the recipient.
    Either way any nab fees will come from within the account you are sending.

    I wonder if my transfer to Laos was charged by middle bank ( the mainstream ) or not because the beneficiary bank said they charge nothing if I choose to inward in local currency.

    Please advise,


    • NAB says:

      Hi Chandaraphone,

      NAB will only charge the $22 International Transfer fee.The difference in the amount you sent through and the amount received could be due to a couple of reasons:

      1) If your transfer was made outside of business hours, you are not able to ‘lock’ in your conversion rate. That means that your transfer is subject to currency fluctuations until the time it is actually converted into the other currency. As such, your converted amount could be lower than what you originally thought.

      2) There might indeed be fees charged by either the intermediate or destination bank. We are not able to advise you of those charges at the time you make the transfer as we are not sure what fees exactly either third party bank might charge.

      At this stage I cannot tell you with confidence which would apply in your case. Feel free to drop us an email via with your contact number and the details of the transfer (NAB ID number, amount, ref number) and we’ll follow this through for you. ^SN

  86. david says:

    hi I am going to get a deceased relatives inheritance its in USD im in the process of finalizing the paper work to receive the sum of 15 million usd how long would it take to clear and whats involved thankyou dave

    • NAB says:

      Hi David, the best way to proceed is to speak to your managing branch to find out the various options and necessary requirements to receive such a large amount. If you could, please email contact details and info about your branch to and I’ll set up an appointment for you ^SM

  87. taylor says:

    I will be transferring the money from the sale of my house here to my
    bank account in the UK via Nab
    The amount will be in the region of $300,000 your rates are very low – do you have special rates for transfers of larger amounts?

  88. Kishor says:

    If I had a NAB account and wanted to transfer AUD to India, but NOT convert it to INR,does NAB provide those facilities? if so can you provide me the relvant details (links).

    Thank you

  89. Sotiris says:

    Hi I’m trying to make an overseas transfer and keep getting a message “The IBAN you’ve provided contains invalid data. You won’t be able to proceed with this IBAN.”

    I am sure that the IBAN I use is correct – triple checked – yet cannot get past that in the system. Is there something wrong with NAB system?

    • NAB says:

      Hi Sotiris,

      if you have checked the IBAN number with the bank you’re transferring the funds to and it is correct, it is possible that it might contain invalid characters such as, but not limited to, hyphens or brackets.

      Try eliminating those and see how you go.

      If the issue persists, please send an email to with details and a contact number and we’ll be in touch ^SN

  90. Dennis says:

    I’m trying to send money to Russia but keep getting a message “‘Beneficiary Address’ contains invalid characters. Please try again.” I’m 100% sure about the address, what’s wrong then? Can you provide an example, perhaps a balloon tip in the system, of what is a CORRECT address to you? that’s frustrating..

    • NAB says:

      Hi Dennis,

      I can understand your frustration; it just means that the Beneficiary address might include a character that does not appear on the list below that you’ll need to delete before re submitting.

      Valid characters for the Beneficiary Address field are a-z, A-Z, 0-9, &, ‘, – or space.

      Is there a /, #, @ at all in the address you’re inputting? If so, you’d need to delete before proceeding ^SN

  91. Peter Dale says:

    The cost added to international transfers do not make it worth while for small amounts I tried to send a deposit for accommodation to the Cook Islands and it cost me a $10.00 NZ fee from the bank on Cook Islands, a $50 NZ fee from an other bank who was acting as an intermediary NAB and the Bank in the Cook Islands and another $22 fee from NAB. It ended up costing about $80 to transfer money. Visa or Paypal are much better options. I feel seriously ripped off.

  92. Angel says:

    Hi I am wanting to know I have a nab business account and am opening a new branch of my business in Nz can my Nz customers pay invoices into the Aus business account so all is kept in one as it is same business name etc and is bnz a sister bank to nab can I access my nab acc through a branch in Nz at bnz ?

    Thank you

    • NAB says:

      Hi Angel, even though BNZ is affiliated with NAB, their accounts are different to those at NAB therefore you will need to speak to BNZ for further options – alternatively you can also transfer funds from NAB to BNZ via internet banking ^LB

  93. kalo says:

    How can i make an international transfer from mobile banking or app? In mobile internet banking, when i click international transfer, it says the device limit is too low… But i havent entered the amount yet? Cant find any international transfer option in the app?

  94. Chrissy says:

    Please help! I am transfering money from Hong Kong (in HK dollars) to be changed to US dollars to my bank of America account in the USA. However bank of america is giving me 2 differant swift codes.
    A friend of mine who is doing the exact same thing has recieved money using the BOFAUS6S swift code and has recieved money, however, other people I know who have used the same swift code have NOT recieved ANY money at all using that swift code. Bank of America insists that the correct swift code for this is BOFAUS3N…..
    I am so confused!!!!
    To be clear…… what swift code do I use to transfer Hong Kong Dollars from Hong Kong to be changed to US dollars to my Bank of America account in the USA??
    Thank you!

    • NAB says:

      Hi Chrissy, in this case you will need to contact your overseas Bank (America) to confirm the correct account number and swift code ^LB

  95. Abolaji 'Ladi says:

    How much do I have to pay for interbank transfer by SWIFT and by NAB.

  96. Laura says:

    Where can I find out more of the international transfer service charges and rates exchange between Malaysia & Singapore to Australia. Do PM me information as preparing relocation to Australia.

    • NAB says:

      Hi Laura,

      You need to set your Internet Banking up with SMS Security and Pay Anyone access to be able to make an international funds transfer via NAB Internet Banking.

      There is a flat fee of $22.00 per transfer. You can currently transfer to both Malaysia and Singapore via NAB Internet Banking.

      When you enter the amount and currency you wish to transfer, during business hours, you can see the exchange rate in real time. If you’re transferring outside business hours, you’ll be given an indicative, and subject to change, rate.

      More info here ^SN

  97. Ajax says:

    How long does it take to recive money from polish bank to nab ?

    • NAB says:

      Hi Ajax,

      I can advise that an international funds transfer from NAB is usually received within 72 business hours.

      For incoming international funds transfers, you’ll need to contact the overseas financial institution for advise of how long it would take to be received into your NAB account ^SN

  98. ABUL MOHAMMED says:


    Recently i have lost in the upwards of money transfer into our NAB account from overseas for $905.My sender sent me the amount in US and which after conversion would come about an addition of around $2000 on top due to conversion rate from UD to AUD @ 0.9382 .
    I am stilll trying to work out as why i would end up losing over $905 at all

    • NAB says:

      Hi Abul, once you receive an incoming international transfer – a letter would have been sent to you to give you a break down of the funds. If you have not received this letter yet; you can access it in internet banking, here’s how – alternatively if you send through a secure message the team will be able to look into it for you :) ^LB

  99. Lourens Geldenhuys says:

    It astounds me (but it should not) how ALL institutions can provide an indicative rate that is ALWAYS better than the actual rate applied when the fx trade is executed.
    I do all my banking with NAB but do my fx trades elsewhere because the NAB rates are not competitive. Can NAB not sharpen their pencil and take a smaller margin so that NAB customers can do all their business in one spot? By smaller margin I refer to all-up cost – rate plus admin fees!

  100. Heidi Ng says:

    Hi there, we did few internet transfers to a bank in HongKong, the deal was in USD so we bought USD on the spot and paid the account fee. The statements also shown a correct amount of USD that should be sent to the bank in HK. However, the receiver did not receive the correct amount in USD in HK. Instead, the HK bank transfer the correct amount in USD to HKD then transfer one more time back to USD and give him a lesser amount in USD.

    The first time we did it smoothly and he received the correct amount, however, all of the following transaction were done wrongly.

    What is happening?

    • NAB says:

      Hi Heidi, not sure how the conversion is once it hits the overseas account. If you selected a different currency, the funds will be sent in that currency. In the situation that the funds are being sent to a NAB account unless the overseas bank has a direct affiliation with NAB, the funds will not be sent directly to us, but through another intermediary bank in Australia [i.e. ANZ, Commonwealth or Westpac]. If this occurs there may be a fee charged by the intermediary bank. Therefore in regards to this, you will need to contact the overseas bank to get a run down on how the fee was charged on their end. Hope this heaps! If you have further questions, best to email me at ^LB

  101. george roy says:


  102. Shar says:

    Hi. this is my first time to transfer £60.00 to a NatWest bank account in UK. do I need to enrol my IB account for international bank transfer? will i also be able to receive a confirmation SMS once the transfer has reached the recipient? – thanks

    • NAB says:

      Hi Shar, as long as you have SMS Security enabled on your Internet Banking, you should be able to do an international fund transfer. To confirm the success of a funds transfer, you will need to contact the recipient directly to confirm this ^RW

  103. Debbie says:

    i’d like to transfer money to my Taiwan bank acc.
    but i had lost my cellphone number in Aus which no used it for a long time.
    i can’t receive the security code for international transfers,
    how can i do now?

    • NAB says:

      Hi Debbie, all you need to do is update your mobile number to receive these messages again – to do this you can call us on +61386419083 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). ^TC

  104. Oscar De Cicco says:

    Hi, I´m Oscar, I´m trying to transfer money from my NAB account to Thailand.
    I can’t provide a valid I-BAN, and the SWIFT Code can’t be used without it. If i try to identify the Bank by address,
    (this is the Kasikorn Bank’s Head Office: 1 Soi Kasikornthai, Ratburana Road, Bangkok 10140, Thailand) I have problems to continue because of this:
    ‘Beneficiary Bank Address’ contains invalid characters. Please try again.
    I have the same problem with the beneficiary
    (1999 Pracha Songkhro Road, Din Daeng District, Bangkok 10400)
    “Beneficiary Address’ contains invalid characters. Please try again”.
    I´m just using letters and numbers, so where is the problem?
    Thank you

    • NAB says:

      Hi Oscar, sorry for the late reply – I can see the bank address you listed has a character in it after office, and the beneficiary has a comma after the word Road. No characters can be used in the address, take these two out and the transfer will go through ^TC

  105. Caroline says:

    I am currently travelling in Asia and have an account in Australia that is active but my current bank card has expired and I am unable to access any funds. I am now also required to travel back to Ireland and will not be able to return to Australia to close my account. I will need to transfer my savings to my Irish bank account. Will this be possible and how do I find out my daily limit for transfer if so? Thanks

    • NAB says:

      Hi Caroline, you will need to be registered for SMS Security to be able to do the international transfer online – if you don’t have this set up give us a call on +61 3 8641 9083 from 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). To find your daily limit you just need to go to the “Settings/Mailbox” tab across the top and choose “Internet Banking Settings”, this can also be updated by calling us if you need a higher amount ^TC

  106. Abir El Dik says:

    I have opened my account with you last September 2013. I am planning to relocate to Australia and to transfer my fund to my NAB account. However, when I did a trial transfer of 100$ to check the feasibility of the process. I was surprised to notice that an amount of AUD 85 only transferred to my account.

    May I know the reason behind this. Do u charge 15$ for every 100$ received or is it a mistake from myUAE account. because they have provided me with a receipt of transfer of 100$.

    If you do charge fees for transferring money to may account how much are they, and are there limits for transfer at one time.

    Looking forward to hear from you, as I have written earlier to complaint section, but it seems you have poor followup in your bank. So, I hope I will hear from you soon.

    Best regards,,

    Abir El Dik

    • NAB says:

      Hi Abir, NAB do have a processing fee for receiving the international transfers which currently sits at a flat rate of $15.00 and is subject to change. The bank you are sending the funds from may have a daily transfer limit so you would need to check with them in regards to the maximum amount you can send. Every time you recieve an international transfer we send a letter to your address on file outlining any fees and the conversion rate at the time of the transaction, I’ve included this link with details about doing the transfer – I hope this information helps ^TC

  107. Niraj says:

    What is the procedure to stop the transaction, if someone typed wrong IBAN number of beneficiary while doing international transfer and realized after 2 days? Or is there any way to correct the number through online to proceed with same transaction?

    • NAB says:

      Hi Niraj, if you need to amend or recall the funds you need to send a secure message via internet banking and we can update these details for you – keep in mind there may be a charge for amending an international funds transfer ^TC

  108. Michael says:

    I transferred funds to my irish bank of which the first was successful but the following two transfers did not reach their destination (same irish account). My local NAB branch contacted the international dept who clarified one of the payments was in fact returned unpaid and that this would be credited to my NAB account. So far this has not happened and my local branch are fobbing me off saying i need to pay an additional $25 per transaction to get my money back even though NAB have confirmed the funds are there> Is NAB not obliged to return this money to me once it is returned; this has been ongoing since last August 2013! Can you please help? Tks Michael

    • NAB says:

      Hi Michael, the $25 fee that the branch has advised of is in relation to the trace for the International Transaction- I’ve provided you with a link of the fees associated with the International transfer ^NJ

  109. Bhupinder dhillon says:

    My father was ill and died recently . my brother who lives in canada spent a lot of money for his treatment and I am trying to transfer funds to his account in Canada and I get a message that the address contains invalid characters.Can you please help.

    • NAB says:

      Hi Bhupinder, can you email me at, with details of the exact error code that is showing up when you put in the details. I’ll investigate further for you. please note that; valid characters for the Beneficiary Address field are; a-z, A-Z, 0-9, &, ‘, – or space ^LB

  110. bart says:

    I will leave Australia in 2 months Tiime.. whenim back in the Netherlands I think there will not be a lot of money in my account.. I’m thinking about just go to the ATM and just take the last money out…

    What does NAB charge for taking money out of a Foreign ATM ( Dutch one on my case).

    Also can I close my account online? After its empty? :-)

  111. Sarah Cocomazzo says:

    What about a sort code? My work in the uk has to transfer me money to my nab bank account and they are asking for a sort code. Is the sort code my bsb? If so does this mean the Iban is my account number? I’m really confused please help!

    • NAB says:

      Hi Sarah, we don’t use a sort code at NAB. Check out for more info on inward international payments. ^RW

  112. Kathy says:

    Hi, how can I transfer money from China to my NAB account? Is there any fees? Thanks.

    • NAB says:

      Hi Kathy, you’ll need to perform an International Funds Transfer via Internet Banking, and a fee of $22 will be applicable. You’ll need to be registered for SMS Security, which can be done over the phone on 13 22 65 from 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). If you’re overseas, the number to call is +61 3 8641 9083 ^DH

  113. sharon says:

    Hi there,

    I’d like to know how much is maximum amount to

    transfer money from South korea to Australia.

    and is there maximum for a year?

    Thanks in advance,
    Kind Regards,

    • NAB says:

      Hi Sharon, since you are transferring from your South Korea account – you will need to get in touch with your Bank in South Korea to get further info on the maximum amount you can transfer ^LB

  114. Ben says:

    Hi there. I regularly send money overseas to the same NZ bank account. Will the beneficiary details (name, bank number, sort code etc) be saved in as a template or do I have to re-enter the details each and every time I want to do a international money transfer? Thanks

    • NAB says:

      Hi Ben,

      You’re able to save your International Payee so you will not have to re-enter their details every time.

      You’ll need to do this on the full Internet Banking site the first time and then you can transfer funds via your mobile App too.

      Hope this helps! ^SN

  115. ladislav says:

    I can’t find RMB as currency available for international transfer. Is it possible to transfer in Chinese yuan? CNY or RMB.

  116. Susan says:

    My bank in Singapore is able to send funds directly to an overseas Visa Debit card, however, I need to know whether NAB allows this method of fund transfer to a NAB Visa Debit card and what are the fees involved in receiving this type of fund transfer?

  117. Ken says:

    Does NAB offer compedative rates to exchange to a foriegn currency? Todays rate is .86c AUD – USD. Is there better rates for largers sums of money? And if so where can I find this table?


  118. shin says:

    can i transfer money from my bank account to new zealand bank when i am in new zealand?

    • NAB says:

      You can, Shin – as long as your phone as international roaming, you will be able to still conduct the funds transfer. If your phone does not have international roaming, please call our international number +61 3 8641 9083, to change your SMS Security number :) ^LB

  119. Joy says:

    Hi,I have a question.
    Before I apply new i saving account, but I mistakenly apply a classis account.
    Now I have two classis accounts ,but I can not use both.
    Can I cancel my old classis account?
    What should I do?

  120. Shiva Krishna says:

    Sir i have paid the fee through telegraphic transfer from andhra bank india to newzealand bank with in how many days i will get the aknowledgement letter from the bank of newzealand that they have recevied the payment

  121. Bimo Arianto says:


    I have question regarding wire transfer and the time needed to received money from NAB to my local bank

    How long the time needed to transfer from NAB Account to bank account in Indonesia?
    Currently I’m waiting wire transfer from Oct 8th and the money still not received in my bank account

    I have copy of wire transfer report so how do I check to your bank? should I email the report?

    Thank you

    • NAB says:

      Hi Bimo, you’re looking at a turn around time of about 5 business days. If you made the transfer online, I would suggest sending in a Secure Message on your internet banking to check up on the transfer. ^RW

  122. Chris says:

    Hi NAB

    I want to receive money from china.
    However they will transfer American dollar.

    So, can i receive the money through my NAB account?
    automatically exchange is OK.

  123. Chris says:

    Hello l have been expecting a swift transfer from a company in Australia to China via corresponding bank it 6 days now funds still not showing up in account any advice or chance that funds will show up?

  124. Queen says:

    I want to know about something. When money is been transferred to another bank internationally. Does it to to any bank such as Swiss bank before the final credit to the beneficiary account. Lets assume that i am transferring money from Malaysia to Singapore. Thank you. I will wait for your answer.

    • NAB says:

      Hi Queen,

      You’ll need to speak to your Malaysian bank to enquire about that.

      It is likely that international funds transfers might need to go through an intermediary bank though ^SN

  125. Cherly says:

    Hi, if my parents were to transfer some money to my nab account from malaysia, how much will nab charge me for this transaction, will it vary if this transaction are to be used for payment of school fees?


  126. Simone says:

    Can you please tell me if there is a charge or fee for receiver img $10000 from New Zealand..? Thanks

  127. Johnson says:

    If someone transfer money from Japan to Nigeria how many days is it going to take through intermediary bank ?

    • NAB says:

      Hi Johnson, international funds transfers usually take between 3 – 5 business days to go through – the best thing to do is to ensure that you have the correct beneficiary details so as to avoid any complications with your transfer ^DH

  128. Johnson says:

    Please someone transfer money to my personal account from Japan to Nigeria since 12th of this Month but still i never received the money in my account ,

    Thanks .

  129. Deb says:

    I currently lives oversea, but still have money in my NAB account.
    I would like to know if there is no transaction while I am oversea, can I leave my account as it is?
    How long can my account last? Will it close up acutomatically after a period of time?
    Await for your reply, thank you.

    • NAB says:

      Hi Deb, you can leave your account open – however if there is no activity on your account, it does become dormant after 6 months and may close automatically ^LB

  130. Pradeep Gairola says:

    Dear sir/maam
    I have a client in Uk who want to transfer funds to our account but having problem as the funds are to be deposited in USD as per the bank. He want to know if there is a way to transfer payment in Pounds from there ?
    Our bank is Karur Vysya Bank Ltd.


  131. ross says:

    How long my account can last if i migrate to another country?

    • NAB says:

      Hi Ross,

      If you do not use an account for 6 months it becomes dormant and after 3 years it will be closed down.

      I hope that helps.


  132. jenny says:

    I am new to sending money overseas via Nab. I want to know how much is the fee for sending $640 to Thailand? and how long would it take for the transfer and where can the money be collected at Thailand?.

    • NAB says:

      Hi Jenny, it is $22 to do an international funds transfer when you do it on your internet banking – you can send it to your local Thai bank ^RW

  133. mark says:

    well here we go fals misleading advertising on NAB web site “”Whether you’re sending money to a relative or doing business overseas, take the hassle out of international money transfers with NAB Internet Banking…..

    Transferring funds through NAB Internet Banking is faster, easier and cheaper than doing it in a NAB branch. You can still send money straight from your everyday account.

    The transferred funds are protected by the innovative security measures of NAB Defence and the SWIFT network. SWIFT is a secure network of international financial institutions, so you know your money will reach its destination smoothly and quickly.

    well that the biggest load of BS

    I have recently used the so call smooth and quick service after 5 business days no one at NAB can tell me where my money is …….but guess what for and extra $25 trace fee they will get off there arse and look for me !

    Westpac have much better service 3-4 days no problems no hassle just I didn’t have westapc account this time

    • NAB says:

      I’m sorry to hear that this happened to you, Mark – I definitely want to look into this and see where the funds are now for you. Are you able to send me further info to As soon as I get your email, I’ll organise for the team to look into this for you ^LB

  134. Travis says:

    I need to transfer 75.995 TRL to Turkey can you’ll please help me with this

  135. Jean says:

    If I transfer money to oversea Bank, could I see my money reduce on my account immediately? I think I transfer money successfully, but my money didn’t reduce.

  136. Saya says:

    If I get US dollar transffered into my NAB account, would it be converted into AUS dollar automatically?

  137. Hilary says:


    I transferred funds from my UK account to my NAB account yesterday. It has been taken out of my UK account today but hasn’t yet appeared in my Australian account…is this normal? How long does it normally take to be processed?

    • NAB says:

      I can only comment on international funds transfers issued from NAB to an overseas bank account, however it usually takes around 3 – 5 business days for those to be completed so it may be the same for transfers from an overseas bank – beyond this timeframe, I’d recommend speaking to your bank in the UK as they will get all correspondence in regards to the progress of your transfer ^DH

  138. Will says:

    Hi, I’m trying to transfer a one-off transfer to Poland.
    I’m getting an apparently generic error of “‘Beneficiary Address’ contains invalid characters. Please try again.”.
    I’m assuming from a previous post that anything other than a 1-9 or a-z makes the beneficiary address invalid, but I’m using the data they sent me. As a result, I don’t know what the run-on effects will be by removing commas, forward slashes and hyphens. Can you assist?

    • NAB says:

      Hi Will, removing the special characters will not affect your transfer, however if you wish to speak to a specialist in regards to this matter, feel free to contact us on 13 22 65 from 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). If you’re overseas, the number to call is +61 3 8641 9083 ^DH

  139. Zero says:

    Hi, I will go to HK in next month and would probably transfer some money from my NAB account to my HK bank account at that time. May I know if it’s possible to change my SMS Security number from my Australia mobile no. to my HK mobile no. through internet backing account?


    • NAB says:

      Hi Zero, you can definitely update your SMS Security number to an international phone number so you can submit an international funds transfer once you’re in Honk-Kong – for this you’ll need to call us on 13 22 65 as this option is not available via Internet Banking ^DH


    Dear Sir/Madam,

    I am having NAB savings account and internet banking facility. I want open on line trading account with NAB or any other share trading company. How can I start. Please guide me.

  141. Divay Kumar says:


    I have an account in Australia with NAB, now i moved back to my country India. I want to transfer all my money to India in AUD itself, for that my bank in India told me transfer my money into HSBC Sydney branch then they will transfer my money to India. But they only gave me swift code and account no of the bank account. First thing i want to know how can i transfer money locally to hsbc sydney using swift code or i need to make international transfer for local sydney transfer. Also what is the maximum limit of international transfer.

    • NAB says:

      Hi Divay,

      You can send your funds directly from your NAB internet banking to your Indian account via a International Telegraphic transfer- We have a $20,000 maximum, however if you call us on +61 3 8641 9083, we’re able to increase the limit to a maximum of $300,000 once security questions are completed.

      Who has advised you to send funds to HSBC? We’re unsure of this process, however you may be able to contact HSBC for further information.

      Kind Regards,

      Social Media Team

  142. JOY says:

    I have an account in Australia with NAB, now i moved back to my country Taiwan. I want to transfer all my money to Taiwan in AUD itself,how can I change my daily limlt to max ?

    • NAB says:

      Hi Joy, you can increase your daily international transfer limit by giving us a call on +61 3 8641 9083 from 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT), however please bear in mind that the funds will be converted to New Taiwan Dollars upon reaching your Taiwanese bank account – there is no option to have the funds transferred in Australian Dollars ^DH

  143. Athena L. says:

    Hi, I’d like to transfer fund from Taiwan (in AUD) to my NAB account, and is it possible to know the estimated banking charge outside of Taiwan? Will I be charged by NAB as well? I really appreciate your help. Thank you million!

    • NAB says:

      Hi Athena, to get a better understanding of receiving international inward transfers, have a read of this handy link: ^VN

    • NAB says:

      Hi Athena, with international transfers, there’s often an intermediary bank which facilitates the transfer in the case of no direct affiliation between the initiating bank and the beneficiary bank. The intermediary charges fees for processing the transfer, which comes out of the transferred amount. This should appear on the credit advice letter as well as the rate of conversion if applicable. On our end, we charge up to $15 to receive your transfer ^DH

  144. Ihemeje Queenette says:

    please if i wanna transfer money to someone in Nigeria, can i do that and how do i go about it?

  145. Shahid says:

    Dear sir i would like to if I’m having a account in NAB Bank and I want to transfer the money to United Arab Emirates in Emirates NBD Bank so can i transfer the amount using internet banking the total amount i need to transfer is 10000 AUD please advise

    • NAB says:

      Hi Shahid, if you already have a NAB account and you’re registered for SMS Security, you’ll be able to send funds overseas using NAB Internet Banking ^BH

  146. jinny says:

    I want to transfer money from Nab in Aus to a bank in South Korea and there is no currency for Korean on the list… what should I do??

    Please help me out

    Thank you

    • NAB says:

      Hi Jinny, there are two options, you can either send the funds in a different currency and then your financial institution (or an intemediary bank) will exchange the funds when they receive it. The exchange rate used when they convert the funds will be set by that institution so we have no control over the rate. Alternatively, you can visit your nearest branch and see if they’re able to complete the transfer in the currency you need ^BH

  147. Jade Harris says:

    Hi There,

    I send money from UK to Australia every month. Can you please advise the Fee NAB take to receive this money as I can’t find it anywhere?

    I need to know so I know exactly what I need to send back each month.


    • NAB says:

      Hi Jade,

      International inward Funds Transfers to a NAB account might incur a fee of up to $15.00 (subject to change) by NAB, payable by the payment beneficiary.

      Note however there might be additional fees charged to your payment from any intermediary banks involved in getting the funds across. We have no knowledge of what these might be.

      If the sending party instructs NAB to charge our fee to them, NAB will not charge the payment beneficiary and the fee charged to the sending bank might be higher ^SN

  148. Cecilia says:

    Hi there,

    I am currently in USA and planning on transferring some money over when my term deposit matures. My questions are, is there gonna be a limit on the transfer? And how much is it gonna be? Also, since my phone plan does not cover international texts, can i still use the internet banking to transfer or do i have to make a phone call? Thank you much in advance. Looking forward to hearing from you.

    Kind Regards,


    • NAB says:

      Hi Cecilia,

      You need to have your accounts registered for SMS Security to be able to make an International funds Transfer from your NAB account so you might need to activate your International texts feature or be able to provide another number for SMS Security purposes.

      To clarify your daily International Funds Transfer limit, you’ll need to speak with us Mon-Fri 8am-7pm and Sat-Sun 9am-6pm (Sydney/Melbourne times) on +61 3 8641 9083 ^SN

  149. Lisa says:

    Can I transfer fund from internet banking to other country, still let the recipent receive Australian currency?

    • NAB says:

      Hi Lisa if the recipient has an AUD account overseas, you can request to send the funds in AUD, however, we can’t guarantee they’ll arrive in AUD as an intermediary financial institution may convert the funds ^BH

  150. Clementine says:


    I am currently back in Europe for good and I tried to transfer all my money on my European account but it Says there is a limit and if I want to increase this limit they will send me a code on my autralian phone but I don’t have it anymore.. So I would like to know how much it will cost me as fees if I withdraw 1036$ in Europe ? Thank you in advance,

    Kind regards


  151. Mary Liz says:

    I buy from European Ebay sites.
    Often they require payment into the seller’s bank account .
    In euros.
    Is there likely to be any charge to them from their bank from the transfer from an account of mine in euros?
    What is the NAB charge for transferring 100 euros from a euro account?
    Many thanks,

  152. Cindy says:

    I have to transfer money to Hong Kong through my card account, but it show a conversation that ask me to update my address in “my details” after I select the account. While I have updated the address.

    • NAB says:

      Hi Cindy,

      It sounds like there might be a mail return indicator on your address details.

      Please call us on 13 22 65 Mon-Fri 8am-7pm and Sat-Sun 9am-6pm (Sydney/Melbourne times) & the Team will sort it out for you ^SN

  153. Ben says:

    Is it a flat fee of $22 AUD charged regardless of the amount being transferred overseas?

    Also, could there be any additional fees charged ie additional fees charged by the receiving bank overseas? I am assuming not as it is sent in the foreign currency.


    • NAB says:

      Hi Ben,

      The International Transfer fee by NAB is $22.00 per transfer submitted.

      There might be non-NAB fees if there are intermediary banks involved in the transfer of the funds -More on this here ^SN

  154. derren says:

    what happen when i sent to over sea and they didn’t get the money ,cause i put wrong Description of transter name, and my money came back to my account after 48hours ?

    • NAB says:

      Hi Derren,

      It sounds like the funds bounced back into your account – If so, you can resubmit the transfer.

      If the funds have not bounced back and the recipient advises they have not received the funds, you may request a trace on the transfer.
      Please call us on 13 22 65 (or +61 3 86419083) Mon-Fri 8am-7pm and Sat-Sun 9am-6pm (Sydney/Melbourne times) to organise that ^SN

  155. Cheng Chu Wang says:

    Hello I left Australia to return to Taiwan, I have money left in the account, how to operate on the Internet, to bind Taiwan phone, so I can use the transfer function, if I need to call to change, I need an interpreter, please provide I the bank said the Chinese people, thanks.

    • NAB says:

      Hi Cheng, I understand that you need to update your SMS Security number to your Taiwanese phone number and this can only be done over the phone. We do not have a Mandarin line, however if you call us on +61 3 8641 9083 from 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT), you can request to be assisted by a Mandarin-speaking banker. While that may not always be possible, rest assured that the team will do their best to assist you on the call regardless ^DH

  156. Alejandro Cardenas says:

    Hello , I have received a nab check for my superannuation refund issued by Hostplus . I am living in Mexico and I have been having issues to cash the check . What is the bank here in Mexico you work with ? so I can try to cash the check or what option would be the best one ?

    • NAB says:

      Hi Alejandro, we don’t have an affiliated bank in Mexico – best thing to do here, is to deposit the cheque into your bank ^LB

  157. Chris says:

    For sometimes now I’ve not used NAB international transfer via my personal account to send money overseas-to PNG. I’ve stopped because I cannot find PNG currency in ‘Which Currency?’ drop down menu like it used to be. I find this change very inconvenient and somewhat frustrating. Also the foreign exchange rates calculator at the main webpage, if you want to ‘send money overseas’, and if you select PGK currency, will return the result zero. I don’t know but seems to be only for PGK. Other currencies are good.

  158. Peter Slacka says:

    Hi NAB,

    i need transfer my funds to my account in europe, but there is problem with limit,
    and i would like to transfer everything at once, can u please give me hand with this one?
    i already send you couple of messages but nobody answered,
    and iam running out of money pretty soon.
    Thank you very much P.

    • NAB says:

      Hi Peter, if it’s your daily transfer limit you need to increase, please call the team on 13 22 65 or on +61 3 86419083 from overseas. They’re available from Mon – Fri 8am-7pm and Sat-Sun 9am-6pm (Sydney/Melbourne time) and they can help you increase the limit ^BH

  159. C Shah says:

    Hi, I needed to “increase my Business account’s international transfer limit to 20000 AUD” I called 1300651656 as screen showed to, first I was told that its already 20000AUD, but as on my logged in account it showed only 5000AUD, then I did talk to one of your “team Leader” and I was said “INTERNET BANKING IS PURELY FOR PERSONEL USE ONLY” so we cant do it on phone, You have to go to branch and ask for it,
    I am really disappointed with this answer, because when I log in to Business Online account it says “To increase Int Transfer limit please call 1300… ”
    I am struck with my payments that I have to do overseas, what can be done,

    • NAB says:

      Hi Shah,

      The international daily transfer limit on a Business NAB ID number can only be increased in person at a NAB Branch.

      I apologise for the inconvenience.

      You can find the closest Branch to you here ^SN

  160. Chris CH says:


    A customer from your bank claimed to have transferred some funds above Euro 100,000 from his NAB Internet Business Account to our provider’s account in Germany, this transfer has taken more than 6 banking days and up till now provider has not received the fund. If there any way to verify this with your able self? We can forward the transfer receipt provided to us to you for your confirmation.


    • NAB says:

      I’m very sorry Chris, but that’s not something that we can help with from here – if the funds haven’t arrived yet, it’s probably best that the sender lodges a trace on the payment ^BH

  161. Ashley says:

    Hey NAB, Can I increase my international transfer limit to forty thousand?

    • NAB says:

      Hi Ashley,

      You might be able to.

      Please call us on 13 22 65 (or +61 3 8641 9083 if calling from overseas) Mon-Fri 8am-7pm and Sat-Sun 9am-6pm (Sydney/Melbourne times) and the Team will discuss your options with you ^SN

  162. huey says:

    Hi I was sent some funds this morning at around 8am QLD time, my bank account ( beneficiary) is located in Taipei, Taiwan with CTBC Bank LTD or China Trust Bank, how long approximately til I receive those funds? Since this query seems to be appearing a lot. One suggestion, why dont you and other banks record times taken for delivery of funds and retain stats. To be able to inform customers more clearly. Also posting more clear times would help. Just a friendly suggestion.

    PS how long til I get my money?

  163. Hello
    i had a Flexicard from 1991 . can you send me the account statement?

    Thank you and kind regards

    • NAB says:

      Hi Blarer,

      Do you currently have accounts with NAB? If so, you may contact us on 13 22 65 (or +61 3 8641 9083 if calling from overseas) Mon-Fri 8am-7pm and Sat-Sun 9am-6pm (Sydney/Melbourne times) and the Team will organise the repeat statements for you.

      If not, you may visit a NAB Branch in person. Note that repeat statement fees will apply via either means ^SN

  164. Marilyn says:

    Hi, I heard that you have to check a box on the wire transfer form to say that the money is to help a family member. What is this “box” called?


    • NAB says:

      Hi Marilyn,

      You may input your narrative in the ‘Description of transfer’ under the Beneficiary’s details section of the International Funds Transfer screen ^SN

  165. Daniel says:

    Is NAB online banking down now? I got error message when log in :
    Login Error (213033)

    • NAB says:

      Hi Daniel,

      IF you continue having this issue, can you please clean your browser’s cookies and cache and reboot your system before trying again.

      If this doesn’t help, please try another browser ^SN

  166. Kevin says:

    When receiving a sum of money into a NAB account from an overseas bank, what charges does NAB make on the transfer? Some Asian and European banks impose on the receiver a Cost Of Transfer (COT) fee.
    This can amount to a substantial sum of money (and is an addition to the transfer costs that the sending bank charges).

    Does NAB impose any such COT fees for sums of money received from overseas?


    • NAB says:

      Hi Kevin, if we receive funds in a foreign currency that will be deposited in your NAB account we do charge a fee – this fee is up to $15. Please note that if the funds are transferred through an intermediary bank they may also charge a fee, which we have no control over ^BH

  167. Alex says:

    When receiving a sum of money into a NAB account from an overseas bank, what charges does NAB make on the transfer? Some Asian and European banks impose on the receiver a Cost Of Transfer (COT) fee.
    This can amount to a substantial sum of money (and is an addition to the transfer costs that the sending bank charges).
    Does NAB impose any such COT fees for sums of money received from overseas?

    • NAB says:

      Hi Alex, we charge a fee of up to $15AUD if we receive funds in a foreign currency that will be deposited in your NAB account. Please note that if the funds are transferred through an intermediary bank they may also charge a fee, which we have no control over ^BH

  168. Pamela says:

    Hi there
    I have internet banking set up in my home country ( New Zealand) with BNZ so that when we moved here, I could transfer money to my NAB account. I am wanting to do the same here, so that I can transfer money internationally to my New Zealand account. Is this different to set up than what you are discussing here?

    • NAB says:

      Hi Pamela, it’s all in the same NAB Internet Banking, you just need pay-anyone and SMS Security set up. To do the transfer go to the ‘Funds Transfer’ menu and select ‘New International Transfer’ – hope that helps :) ^BH

  169. Rachel says:

    I have some amount in my account but I’m back in my country now. I want to update the daily limit of international transaction but I don’t have Australian mobile number. Can I update the limit by calling your office directly? Please advise how I can do this from overseas.

    • NAB says:

      Hi Rachel, please call the team on +61 3 8641 9886 – they’re available from 8am-7pm Monday to Friday and 9am-6pm Saturday & Sunday. They’ll help you change the number registered for SMS Security ^BH

  170. Anya says:

    Hi there
    I would like to know how long take to get refund from a uk shop into my nab account please ? As I am still waiting for that refund and today it is a month that it is been sent
    Thank you very much

    • NAB says:

      Hi Anya, I’m unable to give time frames for merchant refunds as they process it on their end – generally though if it’s a credit back onto your card it should only take a few days at most, if it’s a funds transfer it can take 5 – 7 business days. Contact the merchant directly to have them look into it and resend if needed ^TC

  171. Dr Sajid Patel says:

    I don’t have an account with NAB .
    Can I still use the service of transfer funds overseas using the bank personnel during banking hours and still get best rates

    • NAB says:

      Hi Sajid, you need to be a NAB Customer to perform an international transfer at a branch – you are welcome to open an account at the branch and deposit the funds to make a transfer ^TC

  172. Anton says:

    Hi – I understand the maximum amount allowed for international transfer from nab to an overseas account is $20,000 AUD per day if done online. However is there a maximum amount that the nab account can receive per day from an international transfer overseas? Can I receive more than $20,000 AUD per day into my nab personal account? Thanks

  173. Sam says:

    I have transferred 59,000 AUD to Poland on the 14th of Jan. It is the 21st of Jan and the money still hasn’t arrived. When sending up to 10,000 AUD it usually took no more than 3 days. Should I be worried?

    • NAB says:

      Hi Sam, if the funds haven’t arrived yet you’ll need to lodge a trace on the transaction – please call the team on 13 22 65 and they can help from there :) ^BH

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