International payments

Send and receive funds to and from destinations worldwide using our Telegraphic Transfer service, or Bank Drafts for non-urgent payments. We also accept foreign cheques in a variety of forms and currencies.

Sending Telegraphic Transfers

Making overseas payments is quick and secure using our Telegraphic Transfer service. This can be performed in one of our branches or securely online through Bendigo e-banking. Contact us today to have this set up on your account.

  • Available in 25 currencies worldwide
  • You must be a Bendigo Bank account holder to use this service
  • A $30 fee is charged for sending Telegraphic Transfers
  • The beneficiary or intermediary banks may deduct fees from the payment, so the recipient may receive less than the amount sent
  • Shareholders may receive a discount in fees

To ensure your transfer is successful, you will need the following information:

  • Account name - name of the account you are sending the funds to;
  • Account number - account number of the person/company you are sending money to;
  • Beneficiary’s address - the recipient’s street address only (not PO Box);
  • Bank name - name of the recipient’s bank;
  • Bank address – street address of the bank.

Receiving Telegraphic Transfers

A Telegraphic Transfer is a simple and direct way to receive funds electronically in most currencies to your Bendigo Bank account.

You will need to provide the sender with the following information:

  • Your name and address;
  • Your Bendigo Bank account number;
  • Bendigo Bank BSB - 633000
  • Bendigo Bank Swift Code - BENDAU3B

Please note:

  • The exchange rates apply for the day your funds are received by Bendigo Bank;
  • The remitting or any intermediary bank may deduct fees from the payment prior to us receiving the funds. This may reduce the amount you expect to receive.
  • A $2 fee is charged for payments received in Australian dollars;
  • A $10 fee is charged for payments received in a foreign currency.

Sending Bank Drafts

An international Bank Draft is a cost effective way to send non-urgent payments overseas. It allows you to forward funds to an overseas recipient in their own currency. All you need to provide is the name of the party to receive the money and the branch can make out the draft on the spot for you to send.

Bank Drafts are:

  • Drawn at the time of request and available in 16 different currencies;
  • Acceptable in most countries;
  • Cleared faster than an Australian Dollar cheque banked overseas;
  • Available to Bendigo Bank account holders only from any of our branches;
  • Not available in Australian dollars and cannot be made out to cash;
  • $10 - this fee will be charged for the purchase of a Bank Draft ($5 for shareholders);
  • An extra $25 if a Stop Payment is placed on a Bank Draft.

Currencies available:

  • CAD - Canadian Dollar
  • CHF - Swiss Franc
  • DKK - Danish Kroner
  • EUR - Euro Currency
  • FJD - Fijian Dollar
  • GBP - Pound Sterling
  • HKD - Hong Kong Dollar
  • JPY - Japanese Yen
  • NOK - Norwegian Kroner
  • NZD - New Zealand Dollar
  • PHP - Phillipine Peso
  • SEK - Swedish Kroner
  • SGD - Singapore Dollar
  • THB - Thai Baht
  • USD - United States Dollar
  • ZAR - South African Rand

Receiving Foreign Cheques

Your local branch will convert the Foreign Cheque to Australian dollars and deposit it into your Bendigo Bank account. However, the cheque must be cleared through the overseas bank first, so access to the funds will take a little longer.

  • A 28 day hold is required on the cheque for the overseas bank to clear it before funds are available;
  • If the value of the cheque is more than AUD $30,000, it will be sent for collection and the funds will not be deposited to your Bendigo Bank account until we receive them from the overseas bank.

If the cheque you receive is in Australian dollars, but drawn on an overseas bank, the cheque will need to be sent for collection. The funds will not be deposited to your Bendigo Bank account until we receive them from the overseas bank. This can take up to 60 days.


  • A $10 fee is charged for processing each Foreign Cheque.
  • A fee of $40 applies to Foreign Cheques processed as collection items and is deducted from the funds received from the overseas bank prior to deposit in your account.
  • Shareholders will receive a discount of 50% in fees. View our shareholder benefits for more details.