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Send money across international waters

Smooth sailing for overseas transfers – conveniently send funds abroad using the mobile app or internet banking.

Receive funds from all over the world

Payments made from every corner of the globe can be received directly to your P&N Bank account. Easy!

Simple, secure and smart payments

All overseas transfers are processed using the trusty SWIFT network to ensure your funds get to where they need to go.

International money transfers

We’ve made it as easy as possible to send and receive payments worldwide, thanks to our International Payment Service powered by Convera. Whether it’s a transfer to or from a loved one, or something a little less close to your heart, we’re here to help.

We can help you transfer money overseas as quickly and easily as possible. Overseas payments can be made online using internet banking or the mobile app, or in any of our branches.

To transfer money to an overseas bank account, you’ll need the following details:

  • The required currency and amount you’d like to send.
  • The receiving business or person's full name, street address (not a PO Box), and bank account number.
  • The receiving bank's name, street address, and bank codes – such as the SWIFT/BIC (Bank Identifier Code), bank sort code, CHIPS, or routing number.
  • The IBAN (International Bank Account Number) for payments to the UK or European Union.

How to make an international transfer online

Before you can make an overseas transfer online, you’ll first need to be registered for internet banking. Once registered, reach out to our team to set your international transfer limit. By default, this limit is set to $0 for your security, but a quick call is all it takes to have it updated. 

Now that’s done, you can make an overseas payment in both internet baking and the mobile app. It’s pretty straightforward, too – once logged into internet banking, just click on ‘Transfer/Pay’, or tap ‘Pay’ under the main menu in the mobile app, and follow the prompts. 

P&N Bank’s transfer fees:

Transfer method Transfer fee
Telegraphic transfer (sent in a foreign currency) $30.00
Telegraphic transfer (send in Australian dollars) $45.00
Online international transfer made in internet banking or the mobile app $15.00

Whether it’s a one-off payment, or you regularly need to receive money from an overseas bank account into your own, transferring money inwards is easier than ever. And funds can be credited directly into your P&N Bank account.

Firstly, go to the Convera website and complete the online form. Once you’ve done that, you’ll be presented with PDF deposit instructions. Please save these for your reference and email them to whoever is sending you the funds – they’ll need to follow them.

Receive money from overseas form

Ask the sender to:

  • Present these instructions to their bank when organising the payment to you.
  • Deposit the amount as outlined on the instructions in their local currency (not Australian dollars).

The funds will arrive in the sender’s currency and Convera will convert them to Australian dollars before forwarding them to us. We’ll credit the funds to your P&N Bank account as soon as we receive them

Please note: P&N Bank do not hold their own SWIFT code.

Things to help you on your travels

Planning your next holiday?

With P&N Bank's travel insurance for both domestic and international travel, you'll be able to take peace of mind with you on your next adventure.

Smash your savings goals

Whether you’re saving for a holiday or a rainy day, P&N Bank has savings account options to help you reach your goals.

Fees and charges

We think honesty is the best policy, so we’ve laid out all of the possible fees and charges for our accounts.

We're here to help

Talk to us

Whether you’d prefer to chat to us over the phone, in person, or online, you can get in touch.

Find a branch

We’ve got branches all over the Perth region, and as far south as Bunbury.

Get answers online

We’ve got heaps of info and answers to your questions in our comprehensive help centre.

Your overseas payment questions, answered

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.

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. 

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.

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.

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

Important information

Banking and Credit products issued by Police & Nurses Limited (P&N Bank).

Any information on this website is general and does not consider your personal needs, objectives or financial situation.

Police & Nurses Limited ABN 69 087 651 876 AFSL/Australian Credit Licence 240701 (“P&N Bank”) has appointed Convera Australia Pty Ltd (ACN 150 129 749; AFSL 404092) (“Convera”) to assist it in fulfilling certain foreign exchange and payment services. These services are provided to you by P&N Bank. Fees and charges may apply, please refer to the terms and conditions issued by P&N Bank.

This communication has been prepared solely for informational purposes and does not in any way create binding obligations. No representations, warranties or conditions of any kind, express or implied, are made in this communication.