Important information
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 contactSt.George for up-to-date pricing prior to dealing.
International Payments
Before using internet and phone banking, please read the St.George Terms and Conditions for Internet Banking and Phone Banking (PDF 897KB).Overseas banks may charge a fee to handle or receive an international payment.
Payments 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. Payments must be made from an existing St.George personal transaction or savings account, and will usually arrive within 2-5 business days, but may take longer depending on the country and receiving bank. Read the Online Banking Terms and Conditionsbefore 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 payment. 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 Payment and deducted from the payment amount, unless otherwise organised. It is possible that the overseas bank could convert the currency of the payment at an unfavourable exchange rate. You should inform the beneficiary that, if this occurs, they should consider rejecting the payment immediately so the payment 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 payment and we will on-forward this instruction.
Payments to the selected country is only available for amountsAUD $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.
Worldwide Wallet
You should read the St.GeorgeWorldwide Wallet Product Disclosure Statement (PDF 1MB), Internet and Phone Banking Terms and Conditions (PDF 897KB)and
St.George Retail and Business Banking Financial Services Guide (PDF 994KB)before making a decision and consider whether these products are appropriate for you.This information does not take into account your personal objectives, financial situation or needs and you should consider its appropriateness having regard to these factors before deciding to acquire these products.
1. You will be reimbursed for any unauthorised transactions, provided that you have not contributed to the loss, exercised reasonable care in protecting your card and account, and promptly notifiedSt.George upon becoming aware of loss, theft, or misuse.
Other Banks Fees
In addition to the fees charged bySt.George [and any conversion of proceeds], an international payment may also result in additional fees and charges being deducted by:
- one or more other overseas banks involved in the international payment (an "Other Banks Fee"); and/or
- the payment recipient's bank.
This could result in the recipient receiving less than the amount you originally sent.
