Overseas and International Services Important Information

Money in Minutes

© 2017 Western Union Holdings, Inc. All Rights Reserved

Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees and foreign exchange rates may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice. Subject to applicable taxes (if any)

Network data as of 31 December 2016

Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Additional restrictions may apply. See Send Form for details

Drafts and Telegraphic Transfers

The financial products (Drafts and Telegraphic Transfers) referred to in this communication are provided by Western Union Business Solutions (Australia) Pty Ltd ABN 24 150 129 749 AFSL 404092, trading as Western Union Business Solutions (“WUBS”), under its agreement(s) with your Financial Institution. Fees & Charges and Terms & Conditions apply. It’s important for you to consider the relevant Product Disclosure Statement (“PDS”) and any other relevant WUBS documents before you decide whether or not a financial product is right for you. A Draft PDS is available for each financial product issued by WUBS from your Financial Institution or on the compliance section of our website http://business.westernunion.com.au/about/compliance. Any advice provided above is general and does not take account of your personal objectives, financial situation or needs. This communication has been prepared solely for informational purposes and does not in any way create any binding obligations. The relationship relating to the financial products referred to in this communication are solely between you and the Financial Institution. No representations, warranties or conditions of any kind, express or implied, are made in this communication. Western Union Business Solutions is an operating division of the Western Union Company. Western Union is the issuer of the financial products referred to in this communication.

Foreign Drafts PDS

Cash Passport

Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Multi-currency Cash Passport™ (“Cash Passport”) in conjunction with the issuer, Heritage Bank Limited (ABN 32 087 652 024, AFSL 240 984).  You should consider the Product Disclosure Statement for the relevant Cash Passport available at www.cashpassport.com.au before deciding to acquire the product.  Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you.

Mastercard® and the Mastercard brand mark are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

 

Receiving Money from Overseas into your Cairns Penny Account

1 Western Union Business Solutions will hold a quoted exchange rate for 72 hours. The payment will need to reach WUBS’s nominated account within this time frame for WUBS to honour the quoted rate.

2 Payments are usually received by Cairns Penny within 2 to 3 business days after receipt of funds by WUBS in accordance with payment instructions. There is no delivery period guarantee. Some currencies may take longer than others to process.

3 Western Union Business Solutions processes over 25 currencies fee-free however some exotic or other currencies may attract fees. In some instances, intermediary banks may levy additional fees and/or charges (these are beyond the control of Western Union Business Solutions and Cairns Penny).

It is important for you to consider the relevant Product Disclosure Statement (“PDS”) and any other relevant WUBS documents before you decide whether or not a financial product is right for you. A PDS is available for each financial product issued by WUBS from your Financial Institution or on the compliance section of our website. Any advice provided above is general and does not take account of your personal objectives, financial situation or needs. This communication has been prepared solely for informational purposes and does not in any way create any binding obligations. The relationship relating to the financial products referred to in this communication are solely between you and the Financial Institution. No representations, warranties or conditions of any kind, express or implied, are made in this communication. Western Union Business Solutions is an operating division of the Western Union Company.

Suppliers

Western Union is the issuer of the financial products referred to in this communication.

Travelex Limited (ABN 36 004 179 953, AFSL 222 444) is the supplier of foreign cash.

CGU Insurance Limited (ABN 27 004 478 371)is the supplier of travel insurance.

Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Multi-currency Cash Passport™ (“Cash Passport”) in conjunction with the issuer, Heritage Bank Limited (ABN 32 087 652 024, AFSL 240 984).