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SWIFT codes in New Zealand

NZ · NZD

By Awais ImranUpdated October 9, 2026New Zealand codes from the SWIFT registryOur methodology

119 banks in New Zealand, from WESTPAC NEW ZEALAND LIMITED (WPACNZ2W) onward; every code carries NZ as its country part.

Banks

119

SWIFT codes

2

Branches

6

Currency

NZD

Banks and SWIFT codes in New Zealand

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	—

W
WESTPAC NEW ZEALAND LIMITED

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

New Zealand SWIFT code questions

What does a New Zealand SWIFT code look like?

WPACNZ2WXXX (WESTPAC NEW ZEALAND LIMITED): bank WPAC, country NZ, location 2W, branch XXX.

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, and TSB Bank — TSBKNZ22.

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.

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.

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