SWIFT/BIC codes in Australia: banks starting with M

Bank SWIFT codes for Australia

Here you will find codes for 608 institutions in Australia – 1063 codes altogether. A SWIFT code tells every bank in the chain exactly which bank should receive the money.

Each bank is listed with its own page showing its main code and if there are any, codes for branches and departments. The rest of this page explain the structure of the codes, the cost of transfers and the checks worth doing.

Paying a bank in Australia from abroad

Since Australia does not belong to SEPA, an international payment normally goes through SWIFT. This means you always need the SWIFT/BIC code of the receiving bank.

Depending on the country, accounts are identified by a local account number rather than an IBAN. The receiving bank often provides instructions for payments from abroad – follow them exactly. On the way to Australia, a transfer may go through correspondent banks.

Check the code before you pay

The safest source for the BIC is the bank details provided by the recipient: an invoice, a statement or their online banking. A wrong code can cause delays, a returned payment or additional charges, so compare it with the list on this page.

The directory on GoldexPay is based on publicly available sources. Even so, banks merge, rename themselves or change codes. Before any payment of any size, check the code with the recipient. GoldexPay is a comparison service.

Scammers often use fake invoices with changed bank details. Always confirm changed details by phone on a number you know.

Banks in Australia beginning with the letter :letter

You are looking at a filtered list: only banks in Australia whose name begins with :letter. The figures for Australia mentioned here cover every bank we list.

If a bank is missing here, check another letter. Use the full list for Australia if you are not sure how the name is spelled.

Which bank in Australia has the most codes?

Of the 608 banks in Australia, BNP Paribas Services, (Australia Branch) has the largest number of codes. The head office uses PARBAUS1066.

Practice differs in how many codes they register. Unless the recipient asks for a branch, PARBAUS1066 is fine for transfers to this bank.

The structure of a Australia SWIFT/BIC code

A BIC is either 8 or 11 characters long. First comes four letters for the bank, then two letters for the country and a two-character location code.

You can recognise a bank code from Australia by letters five and six – those always form the country code of Australia. If the country letters do not match Australia, you are looking at a bank somewhere else.

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

When does money sent to Australia arrive?

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

If the money is delayed, ask the sender to contact their own bank and ask for the status or the UETR; only the sending side can start an official trace. Save the payment confirmation until the recipient confirms; a bank needs it to start a trace.

Incoming international payments in Australia

A sender in another country will ask for several details from you – incomplete details often cause delays. In practice that means: your name as your bank knows it, your IBAN or account number, the SWIFT/BIC code of your bank and usually your address.

The code of your bank appears in the list on this page, yet the version on your own statement or in your banking app is leading. Some banks may also ask for your bank’s address; it does no harm to include it.

What lands in your account can be lower than what was sent. Fees for incoming transfers vary from bank to bank – your bank’s price list tells you what applies. Agree with the sender who covers the fees.

Sending AUD to Australia

The national currency in Australia is the Australian Dollar (AUD). When you pay another currency, the amount gets converted somewhere along the way.

Who converts the money makes a difference. Compare how much AUD the recipient gets via different providers; the difference between options can be larger than you expect. On larger amounts, even a small gap in the rate can be worth more than the fee.

What a transfer to Australia really costs

If you transfer money to Australia through your bank, the stated fee is only part of what you pay. There is a transfer fee, possibly charges from intermediary banks and, most importantly, the exchange rate markup.

That exchange rate margin tends to be the largest cost item. An easy check: set the rate you get against the mid-market rate and look at the difference.

Specialised transfer providers frequently use a rate near the mid-market rate with clearer fees. On GoldexPay we compare what recipients in Australia receive across services, so you can pick the cheapest route.