Travel

Need to transfer money overseas or receive an international payment? We are here to help to answer your travel banking related questions.

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)
  • Bank sort code/SWIFT address/chips/routing number
  • 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)
  • 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 aone of our branches.

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

Alternatively, you can provide the following details; 

Bank name:  Beyond Bank
Bank address: 100 Waymouth St Adelaide SA 5000
SWIFT Code: CUSCAU2SXXX
Branch No: 805-022 (do not use our new BSB)
Account No:  BSB (805022) followed by your Account Number
Account Name:  Your name
IBAN(optional): BSB (805022) followed by your Account Number

An incoming international payment incurs a fee of $8.00. Please also be aware that third party fees may be charged by intermediary financial institutions.

Payments processed via Internet Banking are now free fee. 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.

 

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 a Cash Passport or foreign currency as well so that if your card is stolen or lost, you won’t be left without access to cash.

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

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.

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 InternetMobile and Telephone 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.

The Multi-Currency Cash Passport is a prepaid travel money card designed specifically for travel. The card allows you to store up to nine currencies on a single card. Lock in your exchange rate in Euros, Great British Pounds, United States Dollars, New Zealand Dollars, Australian Dollars, Canadian Dollars, Thai Baht, Japanese Yen, and/or Hong Kong Dollars. The Multi Currency Cash Passport allows you to withdraw local currency at over one million ATMs. 

Enjoy the benefits of:

  • 24 hours Global Emergency Assistance for lost or stolen cards or emergency funds
  • A free second card for back-up
  • Peace of mind, knowing your card is not linked to your savings account
  • Easy access to card balances, ATM location information and PIN change options
  • No age restriction and
  • Simple fund recharging via Internet/Telephone  Banking through BPAY® by using the following details (allow 48 hours for processing):

Biller Code: 184416
Customer Reference number: your 16 digit card number.

Once you’re home from your trip you can keep the card for next time, withdraw the funds from an ATM or contact us to transfer the remaining balance into your savings account.
 

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.

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 and rediCARDs 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.
 

You can use Telephone Banking from overseas by calling our Account Information Line on +61 8 8274 4522, which enables you to:

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

At Beyond Bank we’re committed to being as open and accessible as possible. As a result, there’s a range of different you can get in contact with us.

  • Contact Centre: +61 8 8205 8888 between 8am to 8pm weekdays or between 9am to 3pm Saturdays (Central Standard Time) (excluding public holidays)
  • Account Information Line: +61 8 8205 8800
  • Secure Email: Log on to your Internet Banking and select ‘Messages’ followed by ‘Secure Messages’ to compose a new message



Travel Insurance assistance.
Phone: 1800 011 060.

Lost or stolen cards (24/7 hotlines).

  • Visa Debit: +61 2 8299 9101 (reverse charge) or 1 410581 9994 (in USA only) www.visa.com 
  • rediCARD: +61 2 8299 9101
  • Multi Currency Cash Passport: +61 1800 098 231 www.cashpassport.com/multi

Overseas ATM locator.
Visa Debit card/ rediCARD ATM Locator: 
www.visa.com/atmlocator/ 
or
MasterCard ATM Locator:  
www.mastercard.com/interactivelocator/atm.html

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.

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

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For the security of your accounts, Internet Banking no longer supports Internet Explorer 8 or earlier versions.

As you may know, Microsoft recently made the decision to discontinue its support of Internet Explorer 8 (IE8). This leaves users exposed to potential security risks. As a result, Beyond Bank's Internet Banking will no longer support Internet Explorer 8 or earlier versions. Going forward, Beyond Bank will support Internet Explorer 9 or later to ensure the security of your accounts.

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