Step-by-Step: Paying Your Fees with Wise

1. Locate Your BPAY Details

Open your Student Invoice or Statement of Liability from your university portal (e.g., my.UQ, Sydney Student, or ANUHub). You need two specific numbers:

• Biller Code: (e.g., 93773 for UniMelb or 39545 for ANU).
• Reference Number (CRN): Your unique student identifier. Important: Never use another student’s CRN, or you will pay their fees instead of yours!

2. Set Up Your Wise Transfer

1. Log in to the Wise App or website.
2. Select “Send Money” and choose your home currency (e.g., INR, CNY, GBP) to AUD.
3. Enter the exact AUD amount shown on your university invoice.
4. Choose your recipient: Select “Business/Organization” and then look for the “BPAY” option. (If you don’t see it immediately, ensure your “Source” currency is supported for outbound BPAY).

3. Enter the BPAY Details

• Enter the Biller Code and Reference Number exactly as they appear on your invoice.
• Wise will show you the guaranteed exchange rate and the small transparent fee.
• Pro-Tip: In 2026, Wise offers “Volume Discounts” if you are sending more than $40,000 AUD, which is common for full-year tuition.

4. Fund the Transfer

Pay Wise via your local bank transfer or debit card in your home country. Wise will then convert the money and send it to the university via the Australian BPAY network.

Timing and Limits

The 48-Hour Rule

While Wise is fast, BPAY typically takes 1–2 business days to clear into the university’s account.

• Critical Deadline: If your fees are due on April 30, 2026, you should initiate your Wise transfer no later than April 27 to account for time zone differences and banking delays.

Daily Payment Limits

Some international banks have daily limits on how much you can send to Wise.

• The 2026 Workaround: If your tuition is $30,000 but your bank limit is $10,000, you can set up three separate Wise transfers using the same BPAY details. The university system will automatically “stack” these payments toward your total balance.

Common Mistakes to Avoid

• The “u” Prefix: Some universities (like ANU) use a “u” before your student ID. For BPAY, you usually only enter the numbers. Check your invoice footer for “BPAY instructions” to be sure.
• The Surcharge Myth: Unlike credit cards (which often have a 0.8% to 3% surcharge in 2026), BPAY is almost always $0 fee at the university end.
• Confirmation: Always save your Wise PDF Receipt. If the university hasn’t updated your status after 3 days, email this PDF to the “Student Finance” office.