What documents might I need for a large payment?
Send can help with payments of any size, including property settlements and superannuation payments. The documents we may ask for depend on the details of the payment.
Before you start
- This article is for money you're sending out of your Send wallet to a recipient.
- Keep an eye on your task list in the Send portal. If we need anything, a task will appear there.
- Have your identity document and any supporting paperwork ready (for example, a payslip, bank statement, contract of sale), in case we ask.
- For larger or more complex payments, your dedicated account manager can guide you through the information we need.
Uploading documents for large payments.
Step 1: Watch for tasks in your Send portal
If we need more information to process your payment, a task will appear in your portal. Open the task and follow the on-screen instructions.
For more about how tasks work, see What's a task and why do we ask for this information? and How to submit a task.
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Step 2: Tell us where the money came from
You may see a task called Provide source of funds. This asks you to choose where the money for this payment came from (for example, savings, employment income, property sale, or inheritance).
For more details on this step, see Why do I need to prove where my money comes from?.
Step 3: Upload your supporting document
After you've selected your source of funds, a Verify source of funds task will appear. Your task page will list the documents we can usually accept for that source.
- Open the task and follow the instructions on screen.
- Upload a clear copy of the document. Make sure your name and the relevant details are easy to read.
- If you're not sure which document to use, contact our support team before uploading.
The documents we may ask for depend on the details of the payment, including the source of funds, value, destination, currency, recipient, and any other checks we need to complete. For more on what's accepted, see Can I use my bank statement as a source of funds?.
If you're sending money for a business, the documents we may ask for can be different to those requested from an individual. Your task page will confirm what we can usually accept for your specific request.
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Step 4: We may also need information about your recipient
For some payments, we may need information about the person or business you're paying. This can depend on the payment details, including the destination, currency, recipient, and how the payment is being made.
If we need anything for your recipient, we'll let you know in your portal or your account manager will be in touch. You can also contact our support team for more information.
What happens next
- Processing time can vary depending on the currency, destination, banking partners, cut-off times, and any compliance checks we need to complete.
- We'll review your documents and let you know if we need anything else before your payment can proceed.
- You'll be notified once your documents have been reviewed. If we need anything further, we'll create a follow-up task in your portal.
- If you don't see a task and you're unsure what's needed, contact your account manager or our support team.
Common questions
I've sent money before, why are you asking for documents now?
We don't ask for documents on every payment. Even if you've sent payments with us before, we may still ask for documents when a particular payment or a change in circumstances requires additional checks. This can include things like the value of the payment, a new recipient, or other details we need to look into.
I don't have the exact document listed on my task.
The documents we can accept can vary depending on your source of funds and the payment. Follow the guidance shown on the task page first. If what you have isn't listed, contact our support team or your account manager before uploading so we can let you know what may work.
My document was rejected, or you've asked for more information.
This can happen if a document is unclear, expired, or doesn't show the details we need. Check the new task in your portal for what's required and upload a fresh copy. For more help, see Why do I need to prove where my money comes from?.
I'm sending a property settlement or superannuation payment.
We regularly process these types of payments. Reach out to your account manager to discuss your specific needs, and they'll guide you through any documents we need. For property settlements, a statement showing the vendor details in full is usually sufficient to get started.
I'm sending money for my business. Are the documents different?
The documents we may ask for depend on the details of the payment, not just whether you're an individual or a business. That said, the paperwork we can usually accept for a business is often different to what we'd ask an individual for.
Depending on your source of funds, we may accept documents such as:
- a business bank statement (for example, the last 3 months of trading activity)
- management accounts (such as a profit and loss statement or balance sheet)
- a confirmation for the source of funds
Your Verify source of funds task will list what we can usually accept for your specific request. If what you have isn't listed, or you're not sure which document to use, contact your account manager or our support team before uploading.
Contact us
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