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For and with you

Terms & Conditions for International Money Transfers.


1. Beyond Bank Australia Limited ABN 15 087 651 143 AFSL/Australian Credit Licence 237856 has entered into contractual arrangements with Western Union Business Solutions (Australia) Pty Limited (ACN 150 129 749; AFSL 404092) trading as Convera (“Convera”) whereby Convera assists in fulfilling certain foreign exchange and payment services offered by Beyond Bank to its customers (including telegraphic transfers).

2. Beyond Bank Australia will receive a share of the fee and margin revenue that applies to this transaction. Details are available upon request.

3. By proceeding to the payments page you are accepting these Terms & Conditions. 

4. In sending the International Money Transfer, Convera may use correspondent and intermediary banks to forward and process the transfer request.

5. The correspondent, intermediary and beneficiary banks may impose their own additional fees which may be deducted from the amount received by the nominated beneficiary. Any such fees are beyond the control of Beyond Bank Australia and Convera.

6. Whilst Convera can typically deliver funds to beneficiary banks in 2 to 3 business days (non-exotic currencies), beneficiary banks can sometimes take up to five business days to credit those funds to the applicable beneficiary account. It would be reasonable to provide for 10 business days for exotic currencies to be credited to beneficiary accounts. Please note there are no delivery period guarantees.

Any additional information that is required to be collected by Convera, the beneficiary bank or regulatory authorities to facilitate the transfer may add additional time to the specified time frames.

7. The payment is undertaken at your (sender’s) risk and none of Beyond Bank Australia, Convera nor any of their affiliates and/or agents accept any liability, other than that prohibited by law, for any delay, mistake, misinterpretation of instruction or omission which may occur with this transfer.

8. To assist Convera and Beyond Bank Australia to comply with their obligations under law, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, you may be required to provide additional information regarding this payment. If you do, you agree that all information may be passed on by Beyond Bank Australia and Convera to third parties as required. 

Please note that international regulations prohibit the execution of transfer requests where insufficient details are provided. Regulatory requirements may vary from jurisdiction to jurisdiction.

9. In the event that the funds are requested to be returned to Australia, they are subject to current market exchange rates - this may result in a loss of funds from what was initially sent to how much is returned.

10. A copy of the current Fees and Charges Booklet is available on our website, you may download this for your reference. 

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