When does an Intermediary Bank need to be used?

An Intermediary Bank needs to be used when you are sending any currency other than the local currency to the destination country. As Australia is the only country where Australian Dollars is the local currency, all Australian dollar payments must be forwarded via an Australian Intermediary Bank. The Intermediary Bank cannot be the same as the Beneficiary Bank specified. An online Telegraphic Transfer cannot be made to Suncorp Bank, nor can Suncorp Bank be used as an Intermediary.