International help & support

Before you can make an international payment, you will need to set up an overseas transfer limit. You can do this by calling us on 13 25 77 or visiting a branch.

The maximum international transfer limit is $10,000 AUD. We advise setting your limit to the minimum required for your payment needs to reduce the impact of potential fraudulent activity.

If you’d like to change this limit at any time, you will need to contact us.

When you first open your account with us your international transfer limit is set to $0 for your security.

To register for international payments using the mobile app or internet banking, please contact us on 13 25 77 during business hours or visit your nearest branch.

You can transfer money overseas in the mobile app or internet banking.

First, you'll need to register your account for International Transfers. You can call us on 13 25 77 (+61 8 9219 7609 from overseas), or message us via Secure Mail to register.

Once your account is registered, you need the following information to make the transfer

• Transfer amount and required currency
• Purpose or reason of payment
• Beneficiary details including name and full street address
• Bank sort code/SWIFT address/chips/routing number
• Beneficiary account number
• IBAN (this is mandatory for transfers sent to the United Kingdom or European Union)
• Bank name
• Full bank address (full street address is mandatory)
• Special instructions (if any)

Go to Transfer/Pay > International Payments in internet banking or the mobile app and enter the payment amount and currency to get a quote. Once you proceed to make the payment you will be asked to enter the receiving bank and further payment information above.

Money is sent by electronic transfer by our partners Convera, and will take 3 to 5 business days to arrive at the overseas bank. The exchange rate is calculated at the time of processing, and the fee will be debited from your account at the end of day.

International Transfers can also be arranged at your nearest branch. 

When you send a telegraphic transfer overseas, the money is usually received within 3 to 5 business days excluding time differences, however some currencies may take longer than others to arrive. Timelines are only approximate and may be held up if Convera requires more information or additional details about the payment.

The easiest way to send money overseas is to use internet banking or the mobile app. Overseas payments can be made online using the International Payment Service, powered by Convera

International transfer fees

• International transfer using mobile app or internet banking: $15.00
• Telegraphic transfer in foreign currency: $30.00
• Telegraphic transfer in Australian dollars: $45.00

A telegraphic transfer can also be requested at any one of our branches. 

Please call us on 13 25 77 if you require any help setting up and using international transfers.

To receive a payment from overseas simply complete the Convera form - Receive money from overseas. 

Once you've completed the form, you'll be presented with the deposit instructions. Save this as a reference and send it to your payer so they can follow the payment instructions.
 
Then, all you need to do is ask the sender to:

• Present the PDF deposit instructions to the bank sending the payment to you.
• Deposit the amount into the dedicated account as stated in the instructions in nearest currency, not in Australian Dollars (AUD).
• Instruct the bank teller to include the payment note PNBANK 01941-FI, and Your Name in the bank’s reference field, as specified in the PDF deposit instructions.

When you or someone else sends money from overseas to your P&N Bank account you should usually receive the funds within three business days, however this depends on the country the payment is coming from. 

You can receive money from overseas directly to your P&N Bank account using our International Payments Service, powered by Convera. This is called an inward transfer - an electronic transfer of funds directly credited to your account from an overseas sender. The funds arrive in the sender's own currency, and Convera converts them into Australian dollars before forwarding to us for crediting to your account.

There is no charge to you the recipient for an inward transfer.

There is a charge to cover the cost of processing SWIFT payments from overseas, and same day local payments through RTGS (Real Time Gross Settlement) systems.

Please see our fees and charges information for details.

With a MasterCard Multi-Currency Cash Passport card you can get easy and secure access to any local currency you need to when you're travelling.

Simply visit any branch to get a MasterCard Multi-Currency Cash Passport.

All purchases made on your card in foreign currency whether online or in person will be converted into Australian currency. We will use an exchange rate selected by Visa from the range of rates available in wholesale currency markets on the processing date, or the government mandated rate that is in effect at that time. 

For more information please refer to the Visa Credit Card Conditions of Use.

A SWIFT code or BIC (Bank Identifier Code) is the unique identification code used to identify a specific bank or financial institution for international transfers. It is a standard format code which is made up of eight or 11 letters and/or numbers.

We don't have our own SWIFT or BIC code for inwards payments, as we partner with Convera.

Find out more about inwards international payments

At P&N Bank we offer a range of insurance covers, including Travel Insurance, for added peace of mind when travelling within Australia or overseas.

You can get a quote online at any time.

Get a Travel Insurance quote