SendMoneyCompare — International Money Transfer Comparison

Name: SWIFT/BIC Codes for Banks in Australia
Creator: SendMoneyCompare
License: https://creativecommons.org/licenses/by-nc-sa/4.0/

Akif Hazarvi

SWIFT codes in Australia

AU · AUD

Find the correct SWIFT/BIC code for banks in Australia. Use these codes when sending or receiving international wire transfers. A SWIFT code ensures your payment is routed to the correct bank and branch.

Banks

708

SWIFT codes

5

Branches

11

Currency

AUD

Banks and SWIFT codes in Australia

W
WESTPAC BANKING CORPORATION

SWIFT/BIC	City	Branch	Address
`WPACAUSRXXX`	SYDNEY	Head Office	FLOOR 1, WESTPAC PLACE, 275 KENT STREET
`WPACAU2FOBU`	SYDNEY	OBU	FLOOR 9, 55 MARKET STREET
`WPACAU2FXXX`	SYDNEY	Head Office	FLOOR 1, WESTPAC PLACE, 275 KENT STREET
`WPACAU2SXXX`	SYDNEY	Head Office	FLOOR 1, WESTPAC PLACE, 275 KENT STREET

N
NATIONAL AUSTRALIA BANK LIMITED

SWIFT/BIC	City	Branch	Address
`NATAAU33CLS`	MELBOURNE	CLS	FLOOR 16, 395 BOURKE STREET
`NATAAU3304B`	MELBOURNE	04B	FLOOR 16, 395 BOURKE STREET
`NATAAU3305A`	ADELAIDE	05A	FLOOR 10, 22-28 KING WILLIAM STREET
`NATAAU33033`	MELBOURNE	033	FLOOR 16, 395 BOURKE STREET
`NATAAU3302S`	SYDNEY	02S	FLOOR 3, RHODES CORPORATE PARK, BUILDING B 1 HOMEBUSH BAY DRIVE

I
ING BANK (AUSTRALIA) LIMITED

SWIFT/BIC	City	Branch	Address
`INGBAU2SXXX`	SYDNEY	Head Office	FLOOR 28, 60 MARGARET STREET
`INGBAU2SWBL`	SYDNEY	WBL	FLOOR 28, 60 MARGARET STREET

Frequently asked questions

What is a SWIFT code for Australia?

A SWIFT code (BIC) for Australia is an 8 or 11-character identifier used by Australian banks for international wire transfers. The country code portion is AU. For example, CTBAAU2S is the SWIFT code for the Commonwealth Bank of Australia (CBA). The structure is: 4 characters for the bank, 2 for country (AU), 2 for the city, and optionally 3 for the branch.

What are the SWIFT codes for major Australian banks?

Key Australian bank SWIFT codes include: Commonwealth Bank (CBA) — CTBAAU2S, Westpac — WPACAU2S, ANZ — ANZBAU3M, National Australia Bank (NAB) — NATAAU33, Macquarie Bank — MACQAU2S, and Bendigo and Adelaide Bank — BENDAU3B. Always confirm the exact code with the recipient's bank.

How do I find the SWIFT code for my Australian bank?

You can find your Australian bank's SWIFT code on your bank statement, in your internet or mobile banking app, by contacting your bank, or by searching on this page. The SWIFT code is different from the BSB (Bank-State-Branch) number — BSB is for domestic transfers only, but both BSB and SWIFT code are needed for international wires.

Do I need a SWIFT code and a BSB for international transfers to Australia?

Yes. For international wire transfers to Australia, the sender needs the recipient bank's SWIFT/BIC code, the BSB (six digits), and the account number. The SWIFT code routes the payment to the correct bank, while the BSB and account number identify the specific branch and account. Providing only the SWIFT code without the BSB may cause the payment to be delayed or returned.

How long does a SWIFT transfer to Australia take?

SWIFT transfers to Australia typically arrive within one to three business days. Transfers from the UK and Asia usually settle within one to two business days. Australia's time zone (AEST, UTC+10/+11) means transfers sent late in the European or US business day may not be processed until the following Australian banking day.

Are there fees for receiving a SWIFT transfer in Australia?

Australian banks typically charge an inbound international payment fee of AUD 10–20 per SWIFT transfer. Some banks waive this for premium or international account holders. If the transfer arrives in a currency other than AUD, the bank converts at their own rate, which is usually less favourable than converting on the sending side.

What is PayID and can it receive international SWIFT transfers?

PayID is part of Australia's New Payments Platform (NPP) and allows domestic instant transfers using a phone number, email, or ABN. PayID cannot receive international SWIFT transfers — it is strictly domestic. For international wires, the sender must use the recipient bank's SWIFT code along with the BSB and account number.

Can I receive foreign currency directly in my Australian bank account?

Most standard Australian bank accounts are AUD-denominated. However, CBA, Westpac, ANZ, and NAB offer foreign currency accounts (FCAs) that can hold USD, GBP, EUR, and other currencies. If you regularly receive foreign currency, an FCA avoids automatic conversion. Otherwise, the bank converts inbound foreign currency to AUD at their buying rate on the settlement date.

How SWIFT works in Australia

Australia uses BSB (Bank-State-Branch) codes for domestic transfers, but these six-digit codes are not recognized internationally. Inbound international transfers require the recipient bank's SWIFT/BIC code. Australia's big four banks — Commonwealth Bank, Westpac, ANZ, and NAB — process the majority of inbound SWIFT payments, and each has a central SWIFT gateway for international wires.

The recipient's BSB and account number are needed alongside the SWIFT code for inbound international transfers to Australia. The SWIFT code routes the payment to the correct bank, while the BSB and account number ensure it reaches the right branch and account. Both are required — providing only the SWIFT code is not sufficient.
PayID and NPP (New Payments Platform) are domestic-only systems and cannot receive international SWIFT transfers. If the recipient only provides a PayID (phone number or email), you will still need their BSB, account number, and bank SWIFT code for an international wire.
Australian banks typically charge an inbound international payment fee of AUD 10-20 for SWIFT transfers. Some banks waive this for premium or international account holders. If sending in a currency other than AUD, the receiving bank's conversion rate will apply, which is usually less favorable than converting on the sending side.