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Making an international payment

You can make international payments (telegraphic transfers), without needing to visit a branch, in Internet Banking between 7am–11pm NZT on business days (Monday to Friday, excluding New Zealand public holidays). You can also make an international payment in the BNZ app

Follow these steps below, or download the guide How to make international payments (telegraphic transfers) in Internet Banking PDF 407KB

All international payments being made through BNZ must comply with our sanctions requirements. If we need further information in order to meet these requirements, we may contact you, and in some cases this may lead to delays in processing your payments.

Information you’ll need

Your details

  • The account you want us to withdraw the funds from.
  • The currency and amount you want to send, specifying a foreign amount or an NZD equivalent.
  • Your phone number in case we need to clarify your request.
  • Your NetGuard card or the BNZ app.

Payee’s details

  • Payee’s full name and street (physical) address.
  • Payee’s account number and the currency the account is held in.
  • Payee’s bank name, branch name and branch address.

The details entered are sent to the receiving bank and may be passed on to the payee.​

How to make an international payment in Internet Banking

  1. Log in to Internet Banking.
  2. Open the menu on the left-hand side of your screen.
  3. Select International from the menu. Depending on your settings, you may be asked to authenticate with your NetGuard card or the BNZ app.
  4. Select an existing payee (if you’re not paying an existing payee, you’ll need to add a new international payee first).
  5. Select the account you want to withdraw the payment from.
  6. Enter the amount you want the payee to receive in your chosen currency, or click the toggle icon to switch to NZD and specify the amount you want debited from your account.
    • The NZD/foreign currency equivalent of this amount will be displayed underneath the amount field.
    • The conversion rate is an indication of the rate that will be used.
  7. Enter the reason for the payment in the Payment reason field, which will be received by the payee’s bank. For your own statement, you can also enter optional particulars or a code.
  8. Under Fees, select the account you want your fee to be withdrawn from.
  9. Choose whether you’d like to cover correspondent fees.
    • Correspondent fees are deducted from the amount you send by overseas banks involved in processing your payment. By covering correspondent fees, the full amount you send should reach your payee. Occasionally there may be additional fees, but this is rare.
  10. Click Next. Review the payment details to check they’re correct.
    • You’ll be provided with a live foreign exchange (FX) rate and conversion amount, which is valid for a limited time. Select Reload rate if your rate expired.
    • Select Previous if you’d like to make changes to your payment.
  11. Select Pay to submit. You’ll see a message confirming your payment was successful. 


If you need help with making an international payment, call us on 0800 275 269, or call us collect from a landline within New Zealand or overseas on +64 4 931 8209. International toll charges apply.

Check BNZ’s international payment service fees. Overseas bank charges may apply.