SWIFT/BIC codes in Australia: banks starting with D

Australia: banks and their SWIFT/BIC codes

On this page you find the SWIFT/BIC codes of 608 institutions in Australia. A SWIFT code tells every bank in the chain exactly which bank is meant to get an international payment.

Every bank has its own page showing the head office code and, where available, branch codes. Further down we explain how a code from Australia is put together, how to send money there without overpaying and what to check before you pay.

Receiving money in Australia from abroad

For an international payment into a Australia account, the person paying you needs more than the BIC. Give them the account holder’s name, your account number or IBAN, the BIC of your bank and your address, which some banks require.

Find the bank in the list on this page, but take the code from your own bank details when in doubt. Some banks also ask for the name and address of your bank, so keep it at hand.

Expect that the amount credited is smaller than what the sender paid. Fees for incoming transfers differ per bank – your bank’s price list tells you what applies. Make clear with the sender who covers the fees, especially for larger amounts.

Australia and the Australian Dollar

Most accounts in Australia are typically held in AUD, the local currency. Money sent in a different currency is exchanged into AUD – and the bank that does it picks the rate.

Who converts the payment matters. Check how much AUD arrives via different providers before choosing one. With bigger transfers, a seemingly small difference in the rate adds up quickly.

When does money sent to Australia arrive?

How fast a payment arrives in Australia depends on a few things: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Payments made after the cut-off time or just before weekends and holidays often go out the next business day.

Many banks use SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR. Money transfer services usually show tracking online so you can follow the payment.

How SWIFT codes from Australia are built

Bank identifier codes use the same format worldwide: eight characters, sometimes followed by three more. First comes a four-letter bank code, followed by two letters for the country and a two-character location code.

You can recognise a code from Australia from letters five and six: they always show the ISO country code of Australia. When those two letters point to another country, the code belongs to a bank in another country – worth double-checking.

When a code ends in XXX, it means the head office. Use a branch code only if the recipient explicitly gives you one.

What a transfer to Australia really costs

An international bank payment to Australia can cost rather more than you think. On top of the fee, correspondent banks can deduct a charge, and when the money is converted the bank usually uses a rate below the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee – the bank builds a margin into its rate. A simple test: set the rate you get next to the mid-market rate and work out the difference on your amount.

Money transfer services often use a rate near the mid-market rate. Before you send money to Australia, it is worth comparing the total cost on GoldexPay rather than accepting the first rate you see.

Banks in Australia starting with :letter

This filter limits the list down to banks from Australia that begin with :letter, so you can find a bank faster. The counts in the introduction always cover all banks in Australia, not just this letter.

Many institutions appear under their legal name, so the letter can differ from what you expect. The complete list is available when the letter filter does not help.

About our data and how to check a code

The best place to find the right code remains a document from the bank itself, such as a statement or the account page in online banking. When the code you were given does not match our list, stop and ask.

We collect SWIFT/BIC codes from public sources and check our list from time to time. Banks reorganise, close branches and retire codes, and no directory catches every change immediately. Treat our data as a starting point rather than the last word: the bank details from the recipient come first. We are a comparison site.

Watch out for invoices with a new account – a common fraud method. A real SWIFT code tells you nothing about who owns the account: criminals use real codes too.

Most SWIFT codes in Australia: BNP Paribas Services, (Australia Branch)

Of all banks we list for Australia, BNP Paribas Services, (Australia Branch) is listed with the largest number of SWIFT codes. Its head office code is PARBAUS1066, which is the code to use when no branch is specified.

How many codes a bank has says more about how it registers branches and services than about how big it is. Making a payment to BNP Paribas Services, (Australia Branch)? Use PARBAUS1066 unless a specific branch code is requested.

International payments to Australia and the BIC

Because Australia does not belong to SEPA, a transfer from abroad is usually sent as a SWIFT payment. That means you always need the SWIFT/BIC code of the receiving bank in addition to the account details.

Not all countries use IBAN numbers. The recipient’s bank often provides instructions for payments from abroad. International transfers can pass through one or more intermediary banks.