That's the problem with all the big 4 banks, as soon as you can't manage your large transactions online, calling is a costly exercise in time if you are in Australia, or in your case, costly in money as they have no freecall out of country.
I was with Westpac for around 50 years. Loyalty means JackSH!T these days.
Needless to say closed my account when I packed up and left Australia 5 years ago. Opened an account with CommBank before I left to have an account in Australia and a debit card to use internationally. Working well with no problems to date.
You will get less $39.80. When you receive the pension overseas for the long term the energy allowance is not paid and you receive a reduced pension supplement.
The OAP will increase the most in 12 years due to inflation (CPI).
The OAP is indexed twice a year, 20 March and 20 September according to the CPI for the previous quarter.
More at,
https://www.abc.net.au/news/2022-09-05/large-increase-for-welfare-recipients/101404804
No, Fatama. She's not a real Aussie
"In one clip shared online she was filmed excitedly saying “what’s happening habibi” to a camera."
https://www.news.com.au/travel/travel-updates/incidents/woman-kicked-off-jetstar-flight-to-sydney-after-ugly-spat/news-story/306281c1ae4b95e7d509e41d2e1d7924