A Bank State Branch identifying code (often abbreviated and used in conversation as BSB ) is a six digit numerical code used within Australia that identifies an individual branch of a financial institution. The Australian Payments Clearing Association (APCA) is the regulatory body of the BSB numbers in Australia.
An almost identical system is used in New Zealand, with a six digit numerical BSB code, often split into a two-digit "Bank" code and a four-digit "Branch" code. However, the New Zealand and Australian systems are incompatible.
Contents |
The format of the code is as follows:
For example, the BSB "033088" actually breaks down to the following:
While banks usually follow this system, building societies and credit unions often do not. Building societies and former ones start with 63xxxx and credit unions 80xxxx. The state code does not always apply e.g. 633xxx is for Bendigo Bank which started as a building society in Victoria however 638xxx is for Queensland based Heritage Building Society. 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.
With the expansion of the banking sector there are now many institutions which are now identified by the first three digits and "state" field is part of the "bank" identifier.
BSB codes are used in two payment systems in Australia - Australian Paper Clearing System (APCS) (also known as CS1) and Bulk Electronic Clearing System (BECS) (also known as CS2).
Cheques are the most common payment system which fall under APCS. BSB and Account numbers are used to identify the account to be debited and are printed on the cheque.
Electronic fund transfers between bank accounts use the Direct Entry system. BSB and account numbers are used when transferring funds via the Direct Entry System.
| 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 |
| 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 |
| 637 | GBS | Greater Building Society Ltd |
| 638 | HBS | Heritage Building Society |
| 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 | TCU | Teachers Credit Union Ltd |
| 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 |
| 946 | UBS | UBS AG |
| 951 | INV | Investec Bank (Australia) Limited |
| 952 | RBS | Royal Bank of Scotland |
| 969 | MSL | Tyro Payments |
| 980 | BOC | Bank of China Australia |