SWIFT/BIC codes in Australia: banks starting with K

SWIFT/BIC codes in Australia

On this page you find the SWIFT/BIC codes of 608 institutions in Australia. Every code points to a bank or one of its branches, so a payment from abroad reaches the right place.

Choose the bank below to see the head office code and any branch codes. Below the list you can read how a code from Australia is put together, how to send money there without overpaying and how to check a code before you pay.

BNP Paribas Services, (Australia Branch) and its SWIFT codes

In our directory, BNP Paribas Services, (Australia Branch) has the largest number of SWIFT/BIC codes of all banks in Australia. Its head office code is PARBAUS1066, which is the code to use when no branch is specified.

The number of codes says more about how it organises its payments than about its size. Paying someone at BNP Paribas Services, (Australia Branch)? Use PARBAUS1066 unless a specific branch code is requested.

International payments to Australia and the BIC

Australia is not part of the SEPA area, the European zone for uniform euro payments. International transfers to Australia normally go through the SWIFT network – which is why you need the BIC of the recipient’s bank.

Not all countries use the IBAN – where there is none, the local account number is enough. Check with the recipient exactly which details their bank needs for payments from abroad – many banks give clear instructions for this. International transfers can pass through one or more intermediary banks, each of which may deduct a fee.

What the letters in a Australia BIC mean

A SWIFT code is either 8 or 11 characters long and the parts always come in the same order. It starts with four letters for the bank, followed by two letters for the country and two characters for the location.

For banks in Australia, letters five and six are the ISO country code of Australia. Codes with other letters in that position come from another country, even if the bank name looks familiar.

When a code ends in XXX, it refers to the head office, and the 8-character version leads to the same place. For most transfers the head office code is what you need.

How reliable is this list?

Have the recipient copy their bank details directly from their banking app. When the code you were given differs from our list, stop and ask.

The directory on GoldexPay draws on publicly available sources that we update periodically. Still, banks merge, rename themselves or change codes, so information can be out of date. Use our data as a reference rather than the last word; the recipient’s bank details are leading. GoldexPay is an independent comparison site and has no link to the banks in this list.

Scammers often send payment requests carrying new bank details from what looks like a familiar address. A valid BIC tells you nothing about whether a request is genuine: criminals use real codes too.

Filter: banks in Australia with :letter

This page shows only the banks in Australia beginning with :letter. The totals on this page cover every bank we list and not only this letter.

If a bank is missing under :letter, try another letter: banks are often registered under their full legal name. The complete list is available when the letter filter does not help.

What a sender needs to pay you in Australia

Someone abroad who wants to pay you will ask for several details about your account, and missing ones are a common cause of delays. Share the account holder’s name, the IBAN or account number, the BIC of your bank and your address.

Look up the bank in the list above to check its code. Some banks also want the name and address of your bank.

Do not be surprised if the amount credited is smaller than what the sender paid. Charges on incoming payments differ per bank; check the price list of your bank. Agree with the sender who covers the fees, especially for larger amounts.

Sending money to Australia for less

The price of a payment to Australia is made up of several parts – not only the fee you see. You pay the transfer fee, sometimes charges from intermediary banks along the way and, most importantly, the exchange rate markup.

The markup on the rate tends to be the largest part of the cost, even though it is not listed as a fee. Compare the rate you are offered against the mid-market rate, the midpoint you see on financial news sites; the gap is what conversion costs you.

For many routes, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the rate. On GoldexPay we compare what recipients in Australia receive across providers, so you can pick the cheapest route.

How long does a transfer to Australia take?

An international transfer to Australia usually needs anywhere from one to several business days. Payments made after the cut-off time or on weekends and holidays often start a business day later.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets a unique transaction reference, the UETR. Save your transfer receipt; a bank needs it to start a trace.

Sending AUD to Australia

Australia uses the Australian Dollar, code AUD. Money sent in a different currency is exchanged into AUD, and whoever converts it chooses the rate.

Which bank converts the money matters: every bank has its own margin. Often you pay less if you send AUD directly through a transfer service that converts near the mid-market rate rather than letting the receiving bank convert. Rates for AUD move during the day – some providers let you lock in a rate.