A Telegraphic Transfer (TT) allows you to electronically send funds directly into your beneficiary's account in a specified currency.


Telegraphic Transfers are the preferred method to make large value international payments as they are processed quickly, cost-effectively and securely in over 100 countries.

Sending a TT

To send a TT1, you will need to contact your closest branch who will facilitate the payment for you. You will be required to provide the following information in order to process a TT with us:

  • Your street address
  • Beneficiary's name and street address
  • Beneficiary's bank account details

Receiving a TT

If you are looking to transfer funds from overseas to an Australian Mutual Bank account via Telegraphic Transfer, simply visit the 'International Funds Transfer Portal' button below which will direct you to an American Express web page containing an online form. Fill in your details via the online form and hit 'submit'.

After you've submitted the form, a PDF will automatically appear on the next screen. This PDF will include all of the important information you'll need to process your transfer, including the SWIFT Code (or Bank Code).

Ask the financial institution sending the transfer to send the funds via International Funds Transfer (IFT) to the account details outlined in the PDF.

It is essential to include "For further credit to Australian Mutual Bank <Member Name> <Member Number>" in the payment notes. When sending funds please advise the sending financial institution that the transfer must remain in the same currency & not converted to AUD. This can also be included in the "Payment Notes". Australian Mutual Bank will arrange the conversion to AUD through our partners at American Express.

If you are looking to transfer funds from a country not listed on the International Funds Transfer portal above, you will be required to use the details below for your Transfer.

Please Note: If the transfer is done in any currency other than Australian Dollars, the instruction of conversion to Australian Dollars should be noted in the transfer by the sender or remitter.

  • BENEFICIARY BANK: Cuscal Limited 1 Margaret Street Sydney NSW 2000 Australia
  • BENEFICIARY ACCOUNT NUMBER: Transaction account number (maximum of nine digits)
  • BENEFICIARY NAME: The name of the beneficiary

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1. For further information, please refer to the relevant disclosure document (American Express® Financial Services Guide / Product Disclosure Statement (PDS) / Target Market Determinations). The information contained in this document has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS and consider the appropriateness of International Payments in relation to your individual requirements. International Payments are arranged through American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996). Incorporated with limited liability in Delaware, USA. ® Registered trademark of American Express Company. Telegraphic Transfers are undertaken at the sender's risk and American Express, and/or their subsidiary companies and/or their agents accept no liability for any delay, mistake, or omission which may happen in its transition, or misinterpretation when received, or from failure to identify the payee. American Express use connecting banks around the world to forward and process payments. The majority of overseas banks levy other processing charges which vary between banks/countries. If these charges are deducted from the transmitted funds, this will result in the beneficiary receiving a lesser amount than transmitted.