Fees for transferring money overseas have been a long-standing frustration for some of our customers, because it wasn’t always clear from the beginning how much they would have to pay. Customers were paying a fee to transfer funds, and then were also being charged by the overseas banks. This often meant payment transfer shortfalls and unexpected costs. So, to make things simpler for our customers, and to provide certainty that the amount they are sending overseas is the amount that will be received, NAB is now absorbing overseas bank charges for our Internet Banking customers making international payments in foreign currency. Since 1 November 2017, customers who transfer international payments via Internet Banking pay a flat fee of $10 when sending in foreign currency, with no more to pay. Another example of how we’re listening.