Travel.

You are able to deposit foreign cash into your Beyond Bank account at any of our branches. A fee will be charged dependent on the amount of foreign currency - for more information please see our Terms and Conditions and Product Guides for more details.

You will not be able to send funds in AUD via Internet or Mobile Banking. AUD can only be sent through the branch or call centre. However, the preference is to send in the foreign currency as you risk the following if sent in AUD:

• the exchange rate at which the funds will be converted is unknown, therefore possible to the beneficiary will receive an amount less than if funds were converted to the desired currency in branch
• the funds being rejected if the beneficiary does not hold an AUD account
• additional fees for processing the local currency
• longer processing times for the funds to reach beneficiary due to payment being routed through banks that accept AUD

Yes, you can. When you make an overseas purchase on your Visa Debit card, the transaction is converted into Australian Dollars and calculated at a wholesale market rate.

Transactions are subject to a conversion fee and may incur transaction fees. For more information about the applicable fees, refer to our Fees and Charges booklet or feel free to contact us before you leave.

It’s important to note that many countries have now fully migrated to using secure chip and PIN technology. In some countries a transaction performed with a chip enabled card cannot be completed with a signature, only a PIN. As a result, we strongly recommend that if you do not know your PIN, you request one prior to travelling overseas.

With your Visa Debit card you can withdraw cash from over one million ATMs worldwide. Alternatively, you can make purchases from any merchant terminal by pressing ‘credit’ and entering your PIN.

You also have the option to use your Visa Debit card to withdraw money at thousands of financial institutions worldwide.

You can use Phone Banking from overseas by calling:

Contact Centre: +61 8 8205 8888 or +61 8 7201 2400 between 8am to 8pm weekdays or between 9am to 3pm Saturdays (Central Standard Time) (excluding public holidays)

Account Information Line: +61 8 7201 2407

By calling them you will be able to:

• Check account balances
• Listen to your last 10 transactions
• Make BPAY® payments
• Transfer funds between your accounts or to another account with us.

You can withdraw cash from overseas ATMs just as you do in Australia. Transaction amounts and balances will be given in the local currency, however not all ATMs will provide a balance and some may have a lower withdrawal limit.

Visa Debit cards are restricted to the standard daily ATM withdrawal limit of up to AU$1,500 per card. We advise that you confirm your current overseas authorisation limit with your nearest branch or phone us on 13 25 85 before leaving.

A foreign currency conversion fee is charged on each transaction performed overseas.

A Cash Advance Fee is also payable on each overseas ATM withdrawal. It is always a good idea to contact your nearest branch or phone us on 13 25 85 to advise us of the dates and countries you will be travelling to or do it through the mobile app.

This will allow us to make sure that our fraud monitoring systems can better protect your funds whilst you are travelling.

If you want to ensure that you’re not left without the funds you need, we can help you. Attach a credit limit to your savings account to extend your available balance linked to your Visa Debit card to cover any unexpected costs. With a credit limit, you only pay for what you use.

Embarking on your next trip is exciting, and while you hope the unexpected does not happen, it is best to be prepared. Find out more or get a quote for Travel Insurance here.

We take the online security of your money very seriously. That’s why we use the latest systems and technology to ensure your savings are safe with us. We combine 256-bit encryption and sophisticated firewalls with 2-tier authentication (secure SMS) to offer the highest online protection for your money and information.

If you are going to be travelling overseas and are not going to have roaming turned on, we recommend using Mobile phone VIP Access. This relies on your mobile phone having web access, or you can use an app on your smartphone to create a secure passcode using an online application (once downloaded, it no longer requires access to the internet). Once you’ve entered your VIP Security Token passcode, you will have full access to all areas of Internet Banking, including our Secure Messaging service. Get the mobile phone VIP Access here.

Once you have downloaded and installed the VIP access app, this will need to be linked to your Internet Banking. If you are already travelling and unable to receive a verification SMS, please give us a call on +61 8 8205 8888, and we can assist with activating this for you.

If you are still in Australia, you can link the VIP access app once it is downloaded to your Internet Banking by logging in and going to Security > Register Token > Complete the SMS verification code and then follow the steps on the page.

If you are currently in Australia and would prefer a physical token you can request this by phone on 13 25 85 and it will be sent to you by post. Once received it can be registered in Internet Banking using the same steps as the digital token.

To transfer money to someone overseas you will need the following information;

• Transfer amount and required currency
• Beneficiary name
• Beneficiary address (full street address is mandatory)
• BSB/Bank sort code/SWIFT address/chips/routing number (mandatory for transfers sent to outside of the United Kingdom or European Union)
• Beneficiary account number
• IBAN (this is mandatory for transfers sent to the United Kingdom or European Union)
• Bank name
• Full bank address (full street address is mandatory)
• Purpose of payment
• Any special instructions

To process your payment through Internet Banking, simply select ‘Transfer/Pay’ from the main menu, followed by ‘International Transfer’.

The default daily limit for this service is $5,000AUD. This limit can be increased to a maximum limit of $10,050, simply contact us on 13 25 85 or visit one of our branches.

You might also receive a call from one of our Customer Service Representatives if information is incorrect or missing for verification purposes.

You need your PIN to take money out at ATMs and when you make purchases, so you’ll need to remember it. To reset your PIN, use your Mobile App or Internet Banking.

Please also let us know of your travel plans in the app. This will allow our card monitoring team to be able to better continue to protect your account while you are travelling.

Depending on your specific account type, fees may apply for the use of your card overseas or for purchases based outside of Australia, such as the International Transaction Fee or a Foreign ATM transaction fee. You can view full details in our Fees and Charges based on your specific account.

If you have any questions we are here to help on 13 25 85, in a branch or via the Secure Mailbox in Internet Banking or the Mobile App.

Your incoming international payment via Convera can take approximately 3 business days to credit your account. Via SWIFT,  your incoming international payment will usually take 4 - 5 business days to credit your account, but may take up to 10 days in total.

It’s a good idea to take more than one means of accessing your money with you, rather than just relying on one. For example, besides having a Visa Debit card or a Credit card, it’s worthwhile taking some foreign currency as well so that if your card is stolen or lost, you won’t be left without access to cash. Also, with Digital Cards and the option to use Mobile Wallets, you may have extra options available to you for online purchases or where these contactless payments are accepted.

Remember that arranging these before you go can take a few days, so it’s best not to leave getting them to the last minute.

If you are currently travelling and need help with a lost or stolen card, please call the reverse charge Visa International Hotline, available 24 hours a day on +61 2 8299 9101. They will be able to assist with more information and options for you while you are still overseas.

You will want to have enough money for your whole trip, so it’s a good idea to keep track of how much you spend and how much you have left. You can do this easily by setting up Telephone, Internet Banking and Mobile Banking before you leave.

If you already have these services, make sure you know your passwords.  If you’ve forgotten them, get in touch with us and we can easily have them reset.

Thanks to Internet, Mobile and Phone Banking, you can view your account information from anywhere in the world.

It’s important to note that, as with any internet transaction, when using Internet Banking it pays to use a secure connection. Internet cafés may pose a risk as computers can contain viruses and other malicious software that can capture your personal banking details. For extra security, you will need to be registered for our Second Tier Authentication to perform some functions.

We offer two forms of Second Tier Authentication. Get in contact with us to work out which will best suit your needs while you’re overseas.

We currently offer an incoming payment service through Convera. This service allows the sending bank to transfer the funds as a domestic transfer, from their account to a local Convera account.

To arrange your payment you can complete the online form. This form will provide you with the payment details, and a print-friendly copy of the transfer instructions for the sending bank.

Your incoming payment will take approximately 3 business days to credit your account and will be available to you immediately. Receiving a payment from overseas via this method will be fee free to you as a Beyond Bank member.

As an alternative, you can also receive a payment from overseas in Australian Dollars (AUD) via the SWIFT payment details below. Payments received in a foreign currency will be rejected. Payments via SWIFT would generally take up to 10 business days to arrive and there is an $8 Inward SWIFT fee that applies when a transfer is received.

Bank name: Beyond Bank
Bank address: 100 Waymouth St Adelaide SA 5000
Branch No: 325185
Account No and IBAN (optional): 325185 followed by your Account Number
For example, if your account number was 01234567 you would provide 32518501234567.
Account Name: Your name
SWIFT code: CUSCAU2SXXX

Please also be aware that third-party fees may be charged by intermediary financial institutions, and any transfers received in a foreign currency would be automatically rejected and returned to the sender.

Transfers cannot be cancelled once the payment has been released by our international payment service provider, Convera.

If a cancellation is able to be actioned, funds are subject to any foreign exchange losses due to currency exchange movements.

CUSCAU2SXXX is the SWIFT Code (BIC) for Beyond Bank Australia, which is needed if someone is trying to send money to you from overseas.

You can provide the following details for a SWIFT transfer.

Bank name:  Beyond Bank
Bank address: 100 Waymouth St Adelaide SA 5000
SWIFT/BIC Code: CUSCAU2SXXX
Branch No: 325-185
Account No:  BSB (325-185) followed by your Account Number
Account Name:  Your name
IBAN(optional): BSB (325-185) followed by your Account Number

An incoming international payment incurs a fee of $8.00, and payments must be received in Australian Dollars (AUD). Payments received in a foreign currency will be rejected. Please also be aware that third-party fees may be charged by intermediary financial institutions. Payments via SWIFT will typically take up to 10 business days.

Alternatively, we currently offer an incoming payment service through Convera. This service allows the sending bank to transfer the funds as a domestic transfer from their account to a local Convera account.

To arrange your payment, you can complete the online form. This form will provide you with the payment details, and a print-friendly copy of the transfer instructions for the sending bank.

Your incoming payment will take approximately three business days to credit your account and will be available to you immediately. Receiving a payment from overseas via this method will be fee free to you as a Beyond Bank customer.

Options available include advertising fees, expense reimbursement, financial services, legal services, medical reimbursement, payroll, processing, trade related services, transaction between banks, transportation costs, travel related services personal and ‘other’. Please select the most suitable description related to your payment.

If unsure, select ‘Other’ and provide a detailed payment purpose for sending the funds, e.g. sending money for nephew’s school fees, birthday gift for sister etc. Providing a detailed purpose of payment will avoid any unnecessary delay in the transferring of funds.

Payments processed via Internet Banking are now fee free. For payments processed by our Customer Relationship Centre or local branch, the cost will be $25.00 if sent in the foreign amount or $55.00 if sent in Australian Dollars.

Please also be aware that third party fees may be charged by intermediary financial institutions for both outgoing in coming transfers.

For a full explanation of all of the fees charged by Beyond Bank, please see our Fees and Charges guide.

Whether you have a Visa Debit card, you can access your money from ATMs around the world.

Log on to visa.com for Visa Debit cards to find an ATM near you.