List of banks in Australia


Bank State Branch#List of Bank codes

A Bank State Branch (often abbreviated and used in conversation as "BSB") is the name used in Australia and New Zealand for a bank code, which is a branch identifier. Both countries use an identifier consisting of a six digit numerical code that identifies an individual branch of an Australian and New Zealand financial institution. The BSB is normally used in association with the bank account number. However, the New Zealand and Australian systems are incompatible. For international transfers a SWIFT identifier is used in addition to the BSB identifier and a bank account number.

The use of the BSB identifier in association with bank account numbers was introduced in the early 1970s with the introduction of MICR on cheques to mechanise the process of data capture by the banks as well as for mechanical sorting of the physical cheques for forwarding to the payer bank branch for final cheque clearance. Since then the BSB code has been extended for use in electronic transactions, but is not used with financial card numbering.

In Australia, the Australian Payments Clearing Association (APCA) is the regulatory body of the BSB codes in Australia. The identifier consists of six numerals, the first two or three of which is a bank identifier. APCA assigns the bank code to a financial institution and the financial institution allocates the other digits to its branches, in line with guidelines set by APCA. As of March 2012, almost 14,300 unique BSB code values are in use.


In Australia, BSB codes are allocated by the Australian Payments Clearing Association (APCA). BSB codes are used in a number of payment systems in Australia:

 Paper transactions

Cheques are the most common payment method in Australia. BSB and bank account numbers appear on cheques and are used to identify the specific bank account number to be debited. BSB codes are also used on deposit and other vouchers. Paper transactions are processed under the Australian Paper Clearing System (APCS) (also known as CS1) drawn up by APCA. Account instructions which do not have a BSB code must be processed manually.

 Electronic transactions

Electronic fund transfers between bank accounts use the Direct Entry system. For transfers using the Direct Entry System, BSB and bank account numbers must be given for the accounts to be debited as well as for the account to which funds are to be transferred. Electronic transactions are processed under the Bulk Electronic Clearing System (BECS) (also known as CS2) drawn up by APCA.

 Internationl transactions

For international transfers, a SWIFT identifier is used in addition to a BSB and bank account number.



In both Australia and New Zealand, the format of the BSB code originally was for the first two digits to indicate the "bank" and the other four digits to specify the "branch" of that financial institution. In Australia, the major banks have at least historically structured their branch codes with the first of the four digit branch code indicating the state where the branch was located. Some of the larger banks have two bank codes. This is largely historic, a legacy from the time when banks maintained separate trading (cheque) and savings entities. The first digit of the bank code was either 0 (for trading bank accounts) or 1 (for savings bank accounts), with a common second digit. For example, 03 was for Westpac's trading accounts, while 73 was for Westpac's savings accounts. This distinction is now of only historic significance.

For example, the Australian BSB code "033088" breaks down to:

  • 03 = Westpac Banking Corporation, historically the trading operation
  • 3 = Victoria
  • 088 = 383 Chapel Street, Prahran

Today, with the recognition of many new financial institutions in Australia, the structure of the BSB has had to be modified. While banks generally still follow the state branch structure, building societies and credit unions often do not. Many smaller financial institutions are now identified by the first three digits of the BSB with the "state" field being part of the "bank" identifier. Building societies and former ones start with 63xxxx and credit unions 80xxxx. The state code structure is not always used - e.g. Bendigo Bank which started as a building society in Victoria has code 633xxx, and the Queensland based Heritage Building Society has 638xxx. A financial institution may also use one centralised BSB for all accounts. Suncorp uses 484799 for all deposit accounts regardless of which branch or state the account was opened in. St George Bank does something similar to Suncorp.


List of Australian Bank codes

Number Code Bank Name
01 ANZ Australia and New Zealand Banking Group Limited
02 BNZ Bank of New Zealand
03 or 73 WBC Westpac Banking Corporation
06 or 76 CBA Commonwealth Bank of Australia
08 or 78 NAB National Australia Bank
09 RBA Reserve Bank of Australia
10 BSA BankSA
11 or 33 STG or SGP St George Bank
12 or 639 BQL or HOM Bank of Queensland
14 PIB Rabobank
15 T&C Town & Country Bank
18 MBL Macquarie Bank
19 BOM Bank of Melbourne (2011) previously Advance Bank
21 CMB JPMorgan Chase Bank
23 BAL Bank of America
24 CTI Citibank
26 BTA BT Financial Group
29 BOT Bank of Tokyo
30 BWA BankWest
31   bankmecu
34 or 985 HBA or HSB HSBC Bank Australia
35 BOC Bank of China
38 KIWI Kiwibank
40 CST Commonwealth Bank Group
41 DBA Deutsche Bank Australia
42 or 52 TBT Colonial Trust Bank
45 OCB OCBC Bank
46 ADV Advance Bank
47 CBL Campbell Brothers Limited
48 or 664 MET or SUN Suncorp-Metway
55 BML Bank of Melbourne (1989)
57 ASL Australian Settlements Limited
61   Adelaide Bank
630 ABS ABS Building Society Ltd
632 BAE B&E Limited
633 BBL Bendigo Bank
634 UFS Uniting Financial Services
637 GBS Greater Building Society Ltd
638 HBS Heritage Bank
640 HUM Hume Building Society Limited
641 or 647 IMB or AUB IMB Ltd
642 ADC Australian Defence Credit Union Ltd
645 or 656 MPB or BAY Wide Bay Australia Ltd
646 MMB Maitland Mutual Building Soc Ltd
650 NEW Newcastle Permanent Building Society
653 PPB Pioneer Permanent Building Society
655 ROK The Rock Building Society Limited
657 GBS Greater Building Society
70 CUS Credit Unions
728 SCU Summerland Credit Union (1 July 2011 728-728)
80 CRU Credit Unions
812 TMB Teachers Mutual Bank Limited
813 CAP Capricornian Ltd
814 CUA Credit Union Australia Ltd
815 PCU Police Dept Employees C/U Ltd
817 WCU Warwick Credit Union
819 or 931 IBK or ICB Industrial & Commercial Bank of Australia
902 APO Australia Post
913 SSB State Street Bank & Trust Company
915 FNC FNC Agency - Bank One, NA
917 ARA Arab Bank Australia
918 MCB Mizuho Corporate Bank
922 UOB United Overseas Bank
923 or 936 ING or GNI ING Bank
932 NEC New England Credit Union Ltd
939 AMP AMP Bank
941 BCY Bank of Cyprus Australia
942 LBA Laiki Bank
943 TBB Taiwan Business Bank
944 MEB Members Equity Bank
951 INV Investec Bank (Australia) Limited
952 RBS Royal Bank of Scotland
969 MSL Tyro Payments
980 BOC Bank of China Australia


List of State codes

The major banks structure their BSB codes according to States. This is largely historic and have only limited significance in electronic banking. For those who maintain State codes, the State code is the first of the four digit branch field and are:


The Australian Payments Clearing Association (APCA) was established on 18 February 1992 as the self-regulatory body for the Australian payment system. Initially, APCA was formed as part of the reorganisation and reform of the Australian interbank payment clearance system, starting with cheque and debit/credit card interbank clearance.

Today APCA sets, manages and develops regulations, procedures and standards governing payments clearing and settlement within Australia. Payments systems covered by APCA's rules include cheques, direct debits and deposits, electronic transactions, ATM and EFTPOS and high value payments.

APCA is a company limited by guarantee. It has 80 members including the leading Australian financial institutions (e.g., banks, building societies and credit unions), major retailers and others involved in the payment system. The Bank State Branch Numbers (BSB) system is regulated and managed by APCA.


 APCA's Objectives

APCA's stated mission is "to achieve and maintain international best practice in the operation of the Australian payments clearing system."

APCA's role is to manage and develop the Australian payments clearing system, so as to:

  • preserve the integrity of the system
  • identify and control settlement risk
  • improve the effectiveness and efficiency of the system
  • ensure principles of equity and competitive neutrality are applied in determining participation in the system
  • facilitate the co-ordination of payments clearing arrangements among providers of payment services
  • assist the community's understanding of the system and ensure that public debate is well informed.


List of banks in Australia


Bank State Branch#List of Bank codes



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