I'm pretty horribly in debt in the UK, which means I have to send at least one thousand of my hard-earned $$$ over there each month to keep things all squared up. I've been using
Tranzfers for ages, and they do a pretty good job with moving dosh around the place for the grand sum of $15 per transaction. Which is a lot less than the $25-50 it costs over the counter of a bank.
However, it's a three step process. I have to initiate the transfer transaction on their website, reply to a confirmation email and then upload the funds into their account. I would like to streamline this, and in particular, get it as automated as possible. Which is why I'm sussing out
Moneybookers. I had a look at them some time ago, but they were pretty much only serving the UK and Europe (you could do transactions to other countries, like NZ, but only by way of a creditcard). They seem to have broadened their remit, so now I can upload and download funds directly to my bank accounts in all the countries I have money, for the vast total of $2.86. Eee! And the appealing thing to me is that I can automate a bill payment to their account in Australia, and because I have a unique reference, that sum will get credited to my Moneybookers stash. It's then a simple matter to log onto their site once a month and do the download to my UK account. That cuts out two steps, which is a huge bonus. The fact it's cheaper is an additional bonus.
But I've had the most horrific time trying to find the
SWIFT code for my bank here in Oz. In the UK, they use sort codes and here in Australia they use BSB numbers to refer to a unique bank. SWIFT codes are of course the international version of the same thing. After quite a bit of creative digging - I really should be a reference librarian - I found that ALL the credit unions in Australia use the same SWIFT, which is administered by some outfit in Sydney. Not because it's stated anywhere in so many words, by the way, but if you google the sekrit code (I found it cos I'm clever), you find that the credit union websites which mention SWIFT (about a dozen) are all using that number even when they appear to be separate entities. The outfit in Sydney is an umbrella organisation which owns the
Australian Credit Union website and I was pleased to find my own bank listed on it. Also, once I found the SWIFT and put it into the form I was attempting to fill out, it went on to happily accept my real BSB and account number, which fills me with oodles more confidence. Oh, and if you're trying to do money shuffling to an Australian credit union, the mystery number is
CUSCAU2SXXX. Don't say I don't do nuffink for ya.
I'm tempted to put SWIFT, CREDIT UNION, AUSTRALIAN and CUSCAU2SXXX here a few more dozen times to be sure it gets indexed... (I just went back and hotlinked SWIFT. And checked the others). Honestly, nearly an hour solid googling, I'm sure it's a record. :-O