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Teachers Mutual Bank provides a one-stop-shop for all your travel services.
Diploma Travel offers competitive prices, excellent services and discounts for our members’ travel needs including:
If you are not a member, visit our join page and learn more about our wide range of benefits. Whether you're looking for a weekend away, family holiday or overseas trip, you can book up to one year in advance and select from over 22,000 properties worldwide.
Talk to our experienced consultants about special offers for your next holiday.
Call 1300 888 999 for a quote or visit our Homebush or Western Sydney Regional offices.
Q. T. Travel Pty Ltd ABN 63 010 167 503 AR 228073 (QT Travel) trades as Diploma World Travel Service. QT Travel is a wholly owned subsidiary of Teachers Mutual Bank Limited and an authorised representative of AGA Assistance Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance. Travel Insurance is issued and managed by of AGA Assistance Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance. Terms, conditions, limits and exclusions apply.
Before making a decision please consider the Product Disclosure Statement available here at www.diplomatravel.com.au. If you purchase a policy, the Authorised Representative receives a commission which is a percentage of your premium - ask us for more details.
Telegraphic transfers are a secure and convenient way to send or receive electronic funds directly into an overseas account. The funds are deposited into the nominated bank account generally within 3 working days.
You can choose for the funds to be either in Australian dollars or the currency of the destination country (note some restrictions may apply*). The countries we can telegraphic transfer funds to can change, call 13 12 21 9am to 5pm, weekdays to ensure your destination is available.
Send money overseas
* Please see Terms and conditions. Please note that TT’s are sent via a network of correspondent banks, which sometimes levy a small handling charge on your payment. Any such fees, and payment delays, are out of our control.
If you are:
As 1CUSCAL will not accept funds transferred from overseas directly to themselves, your funds will need to be processed through an intermediary bank. You must advise the sending financial institution that it is necessary to forward the payment via an intermediary bank. It is the prerogative of the overseas sending financial institution to nominate an intermediary bank. Neither Teachers Mutual Bank nor CUSCAL may determine this. If the overseas financial institution does not nominate an intermediary, however, you may be able to nominate either an intermediary bank of your own choosing, or CUSCAL’s preferred intermediary bank, JP Morgan Sydney branch.
The intermediary bank will charge a processing fee, which may be deducted from your payment. Depending on the circumstances, such as the location of the sending financial institution and its commercial arrangements, processing via more than one intermediary bank may be necessary.
Once the funds arrive at the intermediary bank, the funds are then converted to Australian dollars (if need be) and forwarded to CUSCAL. This is the reason that CUSCAL and their swift code CUSCAU2SXXX is to be placed on the paperwork. It is so that the intermediary bank can forward the funds to CUSCAL. Please note again, the sending bank is not to send the funds directly to CUSCAL. Once CUSCAL receive the funds, they will forward the monies to the Teachers Mutual Bank. CUSCAL will recognise the BSB 812-170 as belonging to Teachers Mutual Bank and once the funds arrive at Teachers Mutual Bank, they are promptly deposited to your account. Please be aware that CUSCAL take a $6.12 fee, from the amount you send, for processing this payment. The Sending Bank and the Intermediary Institution are able to deduct a processing fee for international transfers.
The Transfer normally takes 1-4 business days depending on the individual financial institution.
If any part of the instruction is missing or incorrect, the payment may be automatically rejected or returned to the sending bank.
It is sender’s responsibility to trace the funds from the sending bank. Due to the privacy regulation, Teachers Mutual Bank are unable to perform this duty.
An intermediary bank relationship is established between financial institutions who agree to provide deposit and/or initiate payments on behalf of another bank that may not have a local banking presence. It is also known as a correspondent bank.
A single payment may involve multiple banks to deliver the funds to the beneficiary, especially when they are outside Australia. Each bank in the payment chain will assess fees for processing the funds transfer. These fees must be allocated either to the beneficiary or the sender/remitter.
If the funds have not been returned to the sending bank, the sender can request a search, by the sending bank, on these funds via the Swift system.
A bank draft is a cheque issued in a foreign currency, it can only be deposited into the account of the person the draft is made payable to, making it safe and secure. Cheque clearance times may apply when depositing cheque(s) to overseas banks.
A bank draft is available in a wide range of currencies - including Australian dollars. We recommend a draft in the destination country’s currency to avoid additional exchange rate fees or delays at the other end. Call 13 12 21 9am to 5pm, weekdays to check if your destination country’s currency is available.
You can either collect from our offices (usually available within 2-3 working days) or have it sent by Express Post to your home, school or business address within Australia. You can also nominate someone else to collect it if you advise us on the bank draft order form (they will be required to show identification). Contact us first to confirm it has arrived.
Order a bank draft
1 Cuscal is Australia's leading provider of transactional banking, liquidity and capital management products and superannuation solutions to more than 150 specialist financial services institutions across Australia. They provide clients access to Australian capital markets, payment systems, card schemes, inter-institutional settlement arrangements, and is one of the nation's largest ATM networks.
The financial products 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 Teachers Mutual Bank. 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 PDS is available for each financial product issued by WUBS from Teachers Mutual Bank or on the compliance section of their website. Any advice provided 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 Teachers Mutual Bank. No representations, warranties or conditions of any kind, express or implied, are made in this communication.
For further information, please refer to the relevant Telegraphic Transfers and/or Bank draft Product Disclosure Statement available at americanexpress.com.au/foreignexchange or calling 13 12 21. 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 telegraphic transfers and/or bank drafts in relation to your individual requirements. Please note currency conversion rates changes according to market conditions. International payments 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.
Travel insurance will give you peace of mind that you will be covered for many of the things that may go wrong on your holiday. It helps to be prepared for the unexpected things that can happen when travelling in Australia or overseas. The product is underwritten by Allianz Australia Insurance Limited, a member of Allianz Group which is one of the world's largest general insurers.
Summary of benefits below, read the PDS carefully for complete details.
Travel Insurance is issued and managed by AGA Assistance Australia Pty Ltd ABN 52 097 227 177 AFS Licence 245631 trading as Allianz Global Assistance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708. JTG Services Pty Ltd ABN 85 124 719 508 (JTG Services) arranges Travel Insurance as agent for Allianz Global Assistance. Terms, conditions, limits and exclusions apply. Before making a decision please consider the Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording) and the Supplementary Product Disclosure Statement.
A Product Disclosure Statement (PDS) can be requested at diplomatravel.com.au or by calling 1300 888 999, open 9am to 5pm, weekdays or from our Homebush or Western Sydney Offices. You should read and consider the relevant PDS before deciding whether to acquire this insurance product.
Taking a prepaid travel money card on your next holiday is the smart way to travel. Purchasing a Multi-currency Cash Passport lets you load multiple currencies on to one easy-to-use travel money card.1
To retrieve your cash passport balance, complete the Cash Passport Encashment Form. Cash outs are processed within 10 business days. Note: Cash outs of foreign cards will be converted to AUD at the prevailing exchange rate prior to crediting to the customers bank account. You can also access funds via a local MasterCard ATM. Read the Product Disclosure Statement
Access Prepaid Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Cash Passport in conjunction with the issuer, Heritage Bank Limited (ABN 32 087 652 024, AFSL/Australian Credit Licence 240 984). You should consider the Product Disclosure Statement for the relevant Cash Passport available at www.cashpassport.com/multi 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 of MasterCard International Incorporated.
1. Before you make a decision to acquire the Card, please check www.cashpassport.com/multi for the latest currencies supported.
2. Some ATM Operators may charge their own fee or set their own limits.
3. “Lock in your rate” means that the prevailing exchange rate is locked in for the initial load value only. Subsequent card reloads will be processed at the then prevailing exchange rate on the day of the reload transaction, and will be locked in at that rate.
4. Emergency cash replacement (up to the amount available on your card), anywhere in the world, normally within 20 minutes, though in some remote locations this could take up to 24 hours.
5. Conditions apply.
Travellers cheques are the safe alternative to large amounts of cash, providing peace of mind and convenience on your holiday. They make international travel simpler and more secure while avoiding the hassle of exchanging money when you arrive
American Express® Travellers cheques are available for:
With no expiry date, you can save unused travellers cheques for your next trip. Travellers cheques are commission-free if you’re an Edvest member and you book your holiday through Diploma Travel (you must indicate this on your order form at time of request).
Your order can be couriered to a school or business address in Australia, usually within 2-3 working days, at no extra charge (minimum value of AUD$250 - orders below this amount will incur the courier fee at cost). Alternatively your order can be collected from one of our offices with 2-3 working days notice. Travellers cheques must be signed at time of collection.
You can also order online direct through American Express®. These orders can either be collected from one of our offices or from an American Express Foreign Exchange Services office of your choice. You can check the exchange rate before ordering.
Teachers Mutual Bank Limited (ABN 30 087 650 459 AFSL/Australian Credit Licence 238981) issues Foreign Cash, American Express® Travellers Cheques and Foreign Cash Conversion through Travelex Limited (ABN 36 004 179 953, AFSL 222444). American Express Travel Related Services Company, Inc., is the designated servicing agent of the other Travellers Cheque lssuers. American Express Travellers Cheques are issued under 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. Disclosure documents are available for Travellers Cheques and can be obtained at tmbank.com.au or by calling 13 12 21 8am to 7pm, weekdays or 9am to 3pm, Saturday or from any office. Please read the Disclosure Document and consider the appropriateness of travellers cheques in relation to your individual requirements before purchasing American Express® travellers cheques. See our fees and charges.
Foreign cash is available in a wide range of currencies.
You can also order directly online through American Express®. These orders can either be collected from one of our offices or from an American Express Foreign Exchange Services office of your choice. You can check the exchange rate before ordering.
Your order can be couriered to your home*, school or business address in Australia, usually within 2-3 working days, at no extra charge (minimum value of AUD$250).
Alternatively your order can be collected from one of our offices with 2-3 working days’ notice. You can nominate someone to collect it on your behalf on your order form - however they will be required to show identification.
Foreign cash is commission-free if you’re an Edvest member and you book your holiday through Diploma Travel (you must indicate this on your order form at time of request).
*Home delivery by courier is only available for Foreign Cash orders through Travelex Limited ABN 36 004 179 953, AFSL 222444
Teachers Mutual Bank Limited (ABN 30 087 650 459 AFSL/Australian Credit Licence 238981) issues Foreign Cash, and Foreign Cash Conversion through Travelex Limited (ABN 36 004 179 953, AFSL 222444).
American Express Travel Related Services Company, Inc., is the designated servicing agent of the other Travellers Cheque lssuers. American Express Travellers Cheques are issued under 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. Disclosure documents are available for Travellers Cheques and can be obtained at tmbank.com.au or by calling 13 12 21 8am to 7pm, weekdays or 9am to 3pm, Saturday or from any office.
1. You can convert most foreign currencies through Teachers Mutual Bank including:
(a) Notes (coins and some small denominations will not be converted)
(b) Travellers cheques (if signed in front of a Teachers Mutual Bank officer); and
(c) Personal or company cheques (if less than six months old and payable to the account holders or endorsed; United States Dollar cheques must be endorsed).
2. Where the amount converted is equivalent to less than $25,000 (AUD), the conversion will be made at the daily buying exchange rate determined by Western Union or American Express®, and will only be paid into your Teachers Mutual Bank account. For conversions received after 2.30pm, the following working day’s rate may apply. The exchange rate is determined by the cut off time of the supplier.
3. Where the amount is converted to $25,000 (AUD) or more the cheque will be sent on a collection basis to the overseas provider. Western Union determines the exchange rate upon receipt of the cheque, while American Express® determines the exchange rate on the day of the deposit.
4. If the amount converted is:
(a) less than $5,000 (AUD) the funds should be credited to your account within 1-2 working days. Please note that the funds will not be cleared for up to 10 weeks. If the cheque is dishonoured, we will recover the funds credited to your account from you, including the paying bank dishonour fees and any interest accrued on the deposit from the day the proceeds were credited to your account.
(b) more than $5,000 (AUD) but less than $25,000 (AUD) the funds should be credited to your account within 1-2 working days but will not be available to draw against until the funds are cleared, which can take up to 10 weeks. If the cheque is dishonoured, we will recover the funds credited to your account from you, including the paying bank dishonour fees and any interest accrued on the deposit from the day the proceeds were credited to your account.
(c) $25,000 (AUD) or more, we will not credit the funds to your account until 45 working days after the deposit has been made. If the cheque is subsequently dishonoured, we will recover the funds credited to your account from you, including the paying bank dishonour fees and any interest accrued on the deposit from the day the proceeds were credited to your account.
Note: We reserve the right to clear cheques on a collection basis regardless of amount.
5. Fees and charges will apply and be debited where payable to the relevant Teachers Mutual Bank account. A Fees and Charges brochure and relevant account Terms and conditions are available from Teachers Mutual Bank.
Before heading overseas, consider TravelSIM the mobile phone service that will reduce the cost of your mobile phone calls when travelling internationally. TravelSIM operates in over 150 countries and works by replacing the normal SIM card in your existing mobile phone with the TravelSIM card. There are no contracts to sign, there is no minimum spend and it’s easy to top up your balance. Plus, it’s free to receive calls in over 60 countries.
Teachers Mutual Bank members can purchase TravelSIM at a reduced cost of $40 including free delivery (a saving of almost $20). Quote the promotional code tmbsim when ordering. Order online now or call 1300 851 676.
TravelSIM Australia Pty Ltd ACN 122 348 234. Teachers Mutual Bank acts as an agent for the sale of TravelSIM only. All requests for help or technical support should be directed to TravelSIM. Teachers Mutual Bank does not warrant that TravelSIM is reliable or suitable for individual customer needs. You rely on your own assessment of TravelSIM’s reliability and suitability for your purposes.
Handy travel tips to consider before you go on your holiday: