International Payments

Easily transfer funds to an international bank account using a telegraphic transfer. We act as agents for Convera. Convera may vary available currencies from time to time.

A telegraphic/ international transfer (also known as a 'wire') is a secure electronic transfer of funds directly into an overseas bank account.

  • Payments normally received within 3-5 business days
  • Quick and easy
  • Payments in more than 130 currencies to 200 countries and territories
  • Sending a Telegraphic Transfer in the beneficiary’s currency is usually more cost effective and helps ensure the funds are credited more quickly to their account.

What details do I need to send a Telegraphic Transfer?

To send a Telegraphic Transfer provide to your local branch the full details of the beneficiary's bank address and bank account, including their IBAN (International Bank Account Number) if they are in Europe. You will also need the beneficiary's full street address. You need to describe the nature of the transfer, the relationship between the payee and payer and the purpose of the payment.

If you can't make it into a branch or wish to transfer out of business hours, you can also send a telegraphic transfer within your Online Banking session via your computer or laptop. Register for this option via your branch and then simply log into your account, go to the Transfer tab and select 'International Transfer'. The country specific information and ‘help text’ will guide you through your transfer from start to finish. Please note, the amount you are currently able to transfer via Online Banking is AUD $5,000.

What details do I need to receive a Telegraphic Transfer?Left Heading Text.

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To receive a Telegraphic Transfer (receive funds from someone overseas), you will need to quote the following to them:
Beneficiary Bank Cuscal Limited, 1 Margaret Street, SYDNEY NSW 2000 AUSTRALIA
Cuscal Limited SWIFT Code: CUSCAU2SXXX
Domestic Bank/Branch identifier (BSB): 802-298
Credit Union Name: Northern Inland Credit Union
Beneficiary Account Number: Your Membership account number
Beneficiary Name: Your Membership account name
Intermediary Bank SWIFT Code*: NATAAU3303M (NAB) or CHASAU2X (JP Morgan Sydney)

SWIFT processing charges will be debited off the received amount going to your account; please refer to Fees & Charges.

* the Intermediary Bank Swift Code is used if the foreign bank does not have a relationship with an Australian Bank or cannot convert the monies to Australian dollars prior to sending it. The JP Morgan Sydney Intermediary Swift Code is used if the foreign bank banks with JP Morgan for their AUD account, otherwise the NAB Intermediary Bank Swift Code should be used.

Queries or Concerns?

If you have any queries, concerns or complaints regarding a product or service issued by Convera, please contact:

  • For products/services provided in a Northern Inland Branch and/or Online Banking:
    - Call us on 02 6763 5111
    - Email
    - Secure Message via Online Banking
    - In Branch
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Important Information:

The financial products referred to in this communication are provided by Convera ABN 24 150 129 749 AFSL 404092, Convera, under its agreement(s) with Northern Inland Credit Union. Fees & Charges and Terms & Conditions apply. It's important for you to consider the relevant Convera documents before you decide whether or not a financial product is right for you. Any advice provided above is general and does not take account of your personal objectives, financial situation or needs. Please note that TTs are sent via a network of correspondent banks, which sometimes levy a small handling charge on your payment. Any such fees that are deducted from the beneficiary amount, are out of our control.

This communication has been prepared solely for informational purposes and does not in any way create any binding obligations. The relationship relating to the financial products referred to in this communication are solely between you and the Financial Institution. No representations, warranties or conditions of any kind, express or implied, are made in this communication.

Northern Inland Credit Union Limited | ABN 36 087 650 422 | Australian Credit Licence 235022 | AFSL 235022 has engaged Convera (ACN 150 129 749; AFSL 404092) to assist it in fulfilling certain foreign exchange and payment services, including telegraphic transfers. The relationship relating to the services (other than drafts) described is solely between you and Northern Inland Credit Union Limited. Convera does not give you any advice (general, personal or otherwise). Any advice provide to you is given by Northern Inland Credit Union Limited. Convera is a business unit of the Convera Australia Pty Ltd. 1Based on periodic comparisons against publicly available rates for comparable services from 4 Australian banks. 2For incoming international payments, Convera processes over 25 currencies fee-free however some exotic or other currencies may attract fees. In some instances, intermediary banks may levy additional fees and/or charges. 3Funds are usually transferred by the next business day. The beneficiary bank will then allocate the funds to the beneficiary’s account. There is no delivery time guarantee. Some currencies may take longer than others to process.