FX & International

This information has been prepared by St.George Bank – A division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 ("St.George Bank").

The exchange rates provided are applicable to foreign exchange products described on this website. The exchange rates are indicative only as at the time and date shown, are subject to market movements and therefore change continuously. They may also vary depending on the type of the transaction involved, and may be different for transactions over a certain amount. They should not be relied upon as an accurate representation of any final pricing. You should contact St.George for up-to-date pricing prior to dealing.

The information on our website is prepared without knowing your personal financial circumstances. Before deciding to acquire or hold a product, please read the Terms and Conditions and/or Product Disclosure Statements:

• Terms and Conditions for Internet Banking and Phone Banking
• Business Banking Online and Payment Services Terms and Conditions
• Business Banking Online Fees and charges
• Foreign Exchange Product Disclosure Statements

Consider if the product is appropriate for you. The Terms and Conditions and/or Product Disclosure Statements are important and we encourage you to review, save and print them. You can request a paper copy at a branch.

1. Transfers are subject to our foreign exchange rates applicable at the time of the transaction. Other fees and charges may apply such as fees charged by the recipient bank. Transfers must be made from an eligible St.George transaction account, and will usually arrive within 1-3 business days, but may take longer depending on the country and receiving bank. Read the Online Banking Terms and Conditions before making a decision and consider whether the product is appropriate for you.

^Overseas banks may impose fees and charges or convert the currency of the transfer. St.George might not have any control over the fees, charges or foreign currency conversions imposed by these institutions. Any overseas financial institution handling charges will by default be borne by the recipient of the international money transfer and deducted from the transfer amount, unless otherwise organised. It is possible that the overseas bank could convert the currency of the transfer at an unfavourable exchange rate. You should inform the beneficiary that, if this occurs, they should consider rejecting the transfer immediately so the transfer can be unwound at the prevailing exchange rate. If you do not want the currency to be converted, please insert the words “Do Not Convert” in the description details free text box when you are making an international money transfer and we will on-forward this instruction. St.George does not guarantee that this approach will be effective and takes no responsibility if an intermediary bank converts the funds.

Transfers to selected countries are only available for amounts AUD $1,000 and above, or the foreign currency equivalent value. The countries currently subject to the restriction are Cambodia, Ghana, Indonesia, Laos, Mexico, Pakistan, Philippines, Thailand, and Vietnam. This condition is subject to change from time to time at our discretion. 

Other Banks Fees

In addition to the fees charged by St.George (and any conversion of proceeds) an international money transfer may also result in additional fees and charges being deducted by:

• one or more other overseas banks involved in the international money transfer (an "Other Banks Fee"); and/or
• the transfer recipient's bank.

This could result in the recipient receiving less than the amount you originally sent.