The time it takes to get money overseas will depend largely on the service you pay for, which transfer method you use, the size of your transfer and the destination to which you’re sending the money.  Some smaller transfers can be instant, with a recipient in the destination country able to collect their cash or receive their funds in seconds. Larger amounts may take longer due to AUSTRAC compliance, as detailed above. Specialist transfer companies will typically get your funds to your destination in zero to three days on average, whilst a transfer through your bank will often take three to five days.