International Banking Frequently Asked Questions
Various fees may apply for international transactions. For more detail, please refer to the Suncorp Clear Options Fees and Charges page for credit cards and the Suncorp Personal Deposit Accounts Product Information Document for debit cards.
Cash Passport can be ordered and/or loaded at any Suncorp Bank store or on our Cash Passport webpage.
Cash Passport loads can be processed via BPAY or debit card.
Cash Passport is a prepaid travel money card. You can use Cash Passport to pay for goods and services, online and in-store, at millions of locations worldwide (anywhere that Mastercard is accepted).
By purchasing a new card or reloading an existing card at a Suncorp store, you will be charged a $15 administration fee for each load. This fee is not charged if you purchase or reload a Cash Passport online (however there are additional charges for payment such as BPAY or debit card).
For a full list of fees and charges, please refer to the Important Information webpage.
You will be able to use your card anywhere Mastercard is accepted.
Yes. Your Cash Passport can be used at ATMs, pay merchants or pay your final bill onboard most cruise ships.
However, Cruise Ships often charge a security bond by pre-authorising your card to cover incidentals, similar to hotels. Such pre-authorised funds cannot be used whilst onboard or until those funds are released by the cruise company (sometimes for up to 30 days after the cruise has finished).
Therefore, it’s suggested that you use another means of payment (such as a credit card) to cover any such pre-authorised amounts.
You can spend with confidence knowing your card is chip, PIN and signature secured; giving you added security against fraud. Cash Passport is not linked to a bank account, so it’s a great option for making purchases overseas or online.
You can reload your Cash Passport online or in a Suncorp store. Even with a zero balance, your Cash Passport is still valid (up to the expiry date on the card), and you can reload it for your next trip anytime.
Cardholders are issued with statements every six months, as set out in the terms and conditions of the Cash Passport card. You can also view and monitor your recent and past transactions via 'my account'.
Should you find any transactions on your statement that are not authorised or which you wish to question further, please read ‘how do I dispute a transaction on my Cash Passport?'.
The MasterCard Prepaid Management Card Services team that can provide 24/7 global emergency assistance if you lose your Cash Passport, have it stolen or be unable to access your money. To contact global emergency assistance Card Services team, click here.
The Card Services team can organise replacement cards and if necessary, start the procedure for disputing unauthorised transactions while arranging funds (up to the balance on your card) to be directly sent to you.
Usually the funds can be sent to you within 2 hours, though it could be up to 24 hours for more remote locations.
If you decide you no longer want to continue using your Cash Passport, you can opt to cash out and have the funds returned to you.
Simply go to the Cash Out page and complete the form. Please note that a $10 cash out fee applies.
HINT: Instead of cashing out, some people keep the money on their card and use for online purchases from overseas. Often a great way to reduce exchange fees and save money when buying online.
Minimum 2 hours flight delay (discrete or cumulative within 24 hour period).
‘Card to card’ gives Cash Passport cardholders the ability to instantly transfer money from one Cash Passport to another, in both Australia and New Zealand, across currencies of your choosing.
A Fedwire (or ABA) code is a bank code used in the United States, which identifies financial institutions. Fedwire/ABA codes are always nine (9) digits in length.
To obtain one:
- Request the code from the payment recipient.
- Search the American Federal Reserve routing directory.
Please note that Suncorp Bank staff are not able to provide any details relating to Fedwire/ABA codes.
An intermediary bank needs to be used when you are sending any currency other than the local currency of the destination country.
For example, when sending Australian dollars to the United States, as Australian dollars is not the local currency, payment must be forwarded to an Australian intermediary bank before going to the destination country (US).
The intermediary bank cannot be the same as the beneficiary bank specified or Suncorp Bank. You may need to request intermediary bank details from your payment recipient via their bank.
Refer to our Telegraphic Transfers into Australia page or a list of intermediary banks for non-Australian dollar payments required by Suncorp Bank.
A SWIFT code or Bank Identifier Code (BIC) is the unique identification code of a particular bank and is a standard format code which is comprised of eight (8) or eleven (11) letters and/or numbers. For example, our SWIFT code is METWAU4B.
If you're looking for a SWIFT code for another bank, you can:
- conduct a search for your bank and include the word 'SWIFT' or ‘BIC’
- contact the payment recipient's bank who can provide the appropriate SWIFT code
- the SWIFT Online Directory.
The International Bank Account Number (IBAN) is a series of letters and numbers that uniquely identifies an account held at an overseas bank.
An IBAN is a mandatory requirement when sending payments to some countries. You can search for a country IBAN requirements and validity online.
All IBANs start with a two (letter) country code and contain between sixteen (16) and thirty-four (34) letters and numbers.
You will need to request the IBAN from the payment recipient. IBAN and SWIFT codes are often displayed on applicable payment recipient's bank statements.
Note: Suncorp Bank is unable to provide an IBAN.
Simply login to Internet Banking, click 'Transfer Money' from the left-hand menu and then click 'International Money Transfer' under International Services.
You’ll need a Security Token Code for this transaction. Download the free Suncorp Secured App to generate the code from the convenience of your mobile phone.
Note: International transfers can take up to 5 business days, depending on the receiving bank and if there are any intermediary banks.
Subject to your daily limit, the transaction limits for international money transfers are:
- Transfers up to AUD $20,000 can be sent at any time (except public holidays).
- Transactions up to AUD $50,000 can be completed during 8:00 am and 6:00pm AEST Monday to Friday (except public holidays).
- The maximum total value that can be transferred is AUD $100,000 within a 48-hour period per Customer ID.
Sort codes (or bank codes) are a unique identifier of the individual branch or bank office where a bank account is held. Sort codes are mandatory when sending a telegraphic transfer to countries such as the United Kingdom and South Africa.
You will need to request a sort code from the payment recipient. The payment recipient may need to ask their bank for the sort code.
Note: Suncorp Bank staff are not able to provide the sort code.
The currencies that are available in global payments are: AUD, CAD, CHF, CNY, DKK, EUR, FJD, GBP, HKD, INR, JPY, NOK, NZD, PGK, PHP, SEK, SGD, THB, USD, ZAR.
The foreign currencies available are subject to change without notice. Alternatively, you may choose to send the payment in Australian dollars, in which case the funds are converted to the local currency by the receiving bank.
To locate the current international money transfer exchange rates, please visit Suncorp Bank's Foreign Currency Rates page.
A Canadian bank code is a unique number that identifies Canadian banks for the purposes of transfers.
A Canadian bank code should consist of either an eight (8) digit code, a three (3) digit institutional code plus a five (5) digit transit or branch code (i.e. 000-00000 or 00000-000).
No, Australian bank accounts do not have an IBAN – we use a BSB and account number.
Suncorp uses a SWIFT code. If you're sending money from overseas to a Suncorp Bank account, our SWIFT code is METWAU4B.
When processing a telegraphic transfer to an account held at a New Zealand Bank, the recipient account number must be provided in the International format.
This is either fifteen (15) or sixteen (16) digits consisting of the branch or bank code, account number and a two (2) or three (3)-digit suffix.
Telegraphic transfers performed on a weekend, or after approximately 3pm AEST time on a bank business day, and will be processed the following bank business day.