SWIFT/BIC codes in Australia: banks starting with J

Bank SWIFT codes for Australia

In Australia our database holds 1063 SWIFT/BIC codes, spread over 608 institutions. A BIC tells every bank in the chain which institution should receive the money.

Each bank is listed with its own page with its main code and if there are any, branch codes. The sections below explain the structure of the codes, what transfers cost and the checks worth doing before a payment.

The Australian Dollar (AUD) and conversion costs

Most accounts in Australia are typically held in AUD. A payment in a foreign currency is converted into AUD, and whoever converts it chooses the rate.

Which bank converts the payment matters, because each party uses its own rate. Compare what AUD arrives with different providers; the difference between options can be larger than you expect. Exchange rates change during the day – some providers let you lock in a rate.

Why a transfer to Australia needs a SWIFT code

Because Australia is outside SEPA, an international payment is usually sent through SWIFT. That means the payment always needs the SWIFT/BIC code of the receiving bank in addition to the account details.

Not all countries use IBAN numbers – where there is none, the local account number is enough. Ask the recipient which details their bank requires for payments from abroad. Before it arrives, a payment may go through correspondent banks that charge for their part.

When does money sent to Australia arrive?

There is no single delivery time for transfers to Australia: many land within a day while others need several business days. Public holidays in either country can add extra days to the journey.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each payment carries a unique reference, the UETR, which the sending bank can use to trace it. Specialist transfer services usually show tracking online so you can follow the payment.

What a sender needs to pay you in Australia

If you expect money from abroad in Australia, give the sender all details at once. That means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code of your bank and sometimes your address.

Your bank’s code is in our list, yet the version on your own statement or in your banking app is leading. It helps to include the name and city of your bank as well because some forms have separate fields for it.

What lands in your account is often lower than the amount sent. Charges on incoming payments differ per bank – your bank’s price list tells you what applies. Make clear with the sender who pays which costs before the money is sent.

Banks in Australia beginning with the letter :letter

The letter filter narrows the list down to banks from Australia that begin with :letter to make searching quicker. The totals mentioned here apply to every bank we list and not only this letter.

Cannot find the bank? Its official name may start with a different letter – think of the full legal name instead of the brand. Try the full list for Australia if you are not sure how the name is spelled.

Which bank in Australia has the most codes?

BNP Paribas Services, (Australia Branch) leads our list of Australia banks in SWIFT/BIC codes. The head office of BNP Paribas Services, (Australia Branch) uses PARBAUS1066 and that code covers most payments.

A large number of codes often reflects separate codes for branches, departments or services. Making a payment to BNP Paribas Services, (Australia Branch)? Use PARBAUS1066 except when the recipient gives you a branch code.

How reliable is this list?

The most reliable place for the correct BIC is a document from the bank itself, such as a statement or the account page in online banking. If the code you have differs from the code listed here, do not guess – contact the recipient or their bank.

We gather bank codes from publicly available data and update them from time to time. Still, banks merge, rename themselves or retire codes, so information can be out of date. For any payment of any size, confirm the code with the recipient’s bank. We are a comparison site.

Watch out for invoices with changed bank details, especially when they come by email. A real SWIFT code tells you nothing about whether a request is genuine – scammers use the codes of real banks.

Bank or transfer service for Australia?

What you pay for a payment to Australia is made up of more than one component. You pay a transfer fee, sometimes fees from correspondent banks along the way and, above all, the margin on the exchange rate if the money is converted.

The real cost is often in the rate – the bank builds a margin into its rate. A simple test: set the rate you get against the mid-market rate and look at the difference.

Money transfer services frequently offer a rate near the mid-market rate. GoldexPay lists transfer services side by side so you can see the amount that reaches the recipient before you commit.

What the letters in a Australia BIC mean

Every SWIFT/BIC code consists of 8 or 11 characters, always in the same order. Characters one to four identify the bank, characters five and six are the country code and the next two give the location.

For banks in Australia, characters five and six show the two-letter ISO code of Australia. A code with a different country code come from another country.

The last three characters, if present, stand for a branch or department; XXX means the head office. In most cases the head office code is what you need.