SendMoneyCompare — International Money Transfer Comparison

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

Akif Hazarvi

SWIFT codes in New Zealand

NZ · NZD

Find the correct SWIFT/BIC code for banks in New Zealand. 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

119

SWIFT codes

2

Branches

6

Currency

NZD

Banks and SWIFT codes in New Zealand

W
WESTPAC NEW ZEALAND LIMITED

SWIFT/BIC	City	Branch	Address
`WPACNZ2WXXX`	AUCKLAND	Head Office	FLOOR 3, WESTPAC ON TAKUTAI, 16 TAKUTAI SQUARE

A
ASB BANK LIMITED

SWIFT/BIC	City	Branch	Address
`ASBBNZ2AITS`	AUCKLAND	ITS	ASB NORTH WHARF, 12 JELLICOE STREET
`ASBBNZ2AFXD`	AUCKLAND	FXD	—
`ASBBNZ2ACLS`	AUCKLAND	CLS	—
`ASBBNZ2AXXX`	AUCKLAND	Head Office	ASB NORTH WHARF, 12 JELLICOE STREET
`ASBBNZ2ASEC`	AUCKLAND	SEC	—

Frequently asked questions

What is a SWIFT code for New Zealand?

A SWIFT code (BIC) for New Zealand is an 8 or 11-character identifier used by New Zealand banks for international wire transfers. The country code portion is NZ. For example, ANZBNZ22 is the SWIFT code for ANZ New Zealand. The structure is: 4 characters for the bank, 2 for country (NZ), 2 for the city, and optionally 3 for the branch.

What are the SWIFT codes for major New Zealand banks?

Key New Zealand bank SWIFT codes include: ANZ New Zealand — ANZBNZ22, ASB Bank — ASBBNZ2A, Bank of New Zealand (BNZ) — BKNZNZ22, Westpac New Zealand — WPACNZ2W, Kiwibank — KIABORZ22, and TSB Bank — TSBKNZ22. Always confirm the exact code with the recipient's bank before sending.

How do I find the SWIFT code for my New Zealand bank?

You can find your New Zealand 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. ANZ, ASB, BNZ, and Westpac all display SWIFT codes in their online banking platforms under international payment or account details sections.

What account details do I need for an international transfer to New Zealand?

For international wire transfers to New Zealand, the sender needs: the recipient bank's SWIFT/BIC code and the full New Zealand account number. The NZ account number has four parts — bank number (two digits), branch number (four digits), account number (seven digits), and suffix (two to three digits). Do not omit the suffix, as this can cause the payment to be rejected.

How long does a SWIFT transfer to New Zealand take?

SWIFT transfers to New Zealand typically arrive within one to three business days. Transfers from Australia usually settle within one business day due to close banking relationships. New Zealand is in a time zone far ahead of most financial centres (UTC+12/+13), so transfers sent late in the European or US business day may not be processed until the following NZ banking day.

Are there fees for receiving a SWIFT transfer in New Zealand?

New Zealand banks typically charge an inbound international transfer fee of NZD 10–15 per SWIFT payment. If the transfer arrives in a foreign currency, the bank converts to NZD at their posted rate, which includes a 1–2% margin over the mid-market rate. For amounts over NZD 10,000, the recipient can sometimes request a better rate from the bank's dealing room.

What is the difference between domestic NZ transfers and SWIFT?

Domestic New Zealand transfers use the bank-branch-account-suffix number format and are processed through New Zealand's domestic payment system. SWIFT is for international cross-border transfers using BIC codes. Domestic systems cannot receive payments from overseas. After a SWIFT transfer arrives at a NZ bank, the bank credits the recipient's account through its internal systems.

Can I receive foreign currency directly in my New Zealand bank account?

Most standard NZ bank accounts are NZD-denominated. ANZ, ASB, BNZ, and Westpac offer foreign currency accounts that can hold USD, AUD, GBP, EUR, and other currencies. If you regularly receive foreign currency, a foreign currency account avoids automatic conversion at the bank's rate. Otherwise, inbound foreign currency is converted to NZD on the settlement date.

How SWIFT works in New Zealand

New Zealand's domestic banking system uses a bank-branch-account-suffix number format for local transfers, but these identifiers are not sufficient for international payments. Inbound international wire transfers require the recipient bank's SWIFT/BIC code. ANZ, ASB, BNZ, Westpac, and Kiwibank are the main banks processing international SWIFT payments in New Zealand.

Unlike Australia's BSB system, New Zealand uses a combined bank number (two digits), branch number (four digits), account number (seven digits), and suffix (two to three digits). When sending internationally, you need both the SWIFT code and the full New Zealand account number. Some senders mistakenly omit the suffix, which can cause the payment to be rejected.
New Zealand banks typically charge an inbound international transfer fee of NZD 10-15 per SWIFT payment. If the transfer arrives in a foreign currency, the bank will convert to NZD at their posted rate, which usually includes a 1-2% margin. For amounts over NZD 10,000, the recipient can sometimes request a better rate from the bank's dealing room.
Settlement times for inbound SWIFT transfers to New Zealand are usually one to two business days from the time the funds leave the sending bank. New Zealand is in a time zone far ahead of most major financial centers, which can add a perceived delay when the payment is sent late in the day from Europe or North America.