National Australia Bank Limited SWIFT/BIC code

SWIFT/BIC code of National Australia Bank Limited

If an invoice shows NATAAU33 or NATAAU33XXX, you are looking at the identical identifier for National Australia Bank Limited in Australia. A SWIFT code tells the sending bank exactly which bank is meant to get the money. You will need it mainly when dealing with transfers between countries.

Further down you will find the practical side: receiving money at National Australia Bank Limited, sending money abroad and how to check a SWIFT code before you confirm a payment. The SWIFT code on its own cannot identify a personal account; that is what the IBAN or account number is for.

Receiving money from abroad at National Australia Bank Limited

If you are waiting for money from abroad, send the payer a complete set of details. Share your name as the bank knows it, the IBAN or account number, the BIC NATAAU33XXX and your address, which some banks require.

It helps to include National Australia Bank Limited and Melbourne too, since some forms ask for it. Check each detail before you share them, because the sender’s bank usually copies them as is.

Do not be surprised if the amount credited is smaller than what the sender paid. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate comes on top. Make clear with the sender who pays which costs before the money is sent.

Tracking a transfer to or from National Australia Bank Limited

There is no single delivery time for international payments: many arrive the same day or the next. Bank holidays in the sending or receiving country can add extra days, since banks do not process on those days. Compliance checks on larger or unusual payments may also cause a delay, regardless of the details.

When a payment takes longer than expected, ask the sending bank about the tracking status or the UETR so they can trace it along the chain. Money transfer services usually provide a status online showing where the payment has got.

A delayed transfer has to be traced from the sending side. Ask the sender for a copy of the payment confirmation including the reference; that often settles the question quickly.

Where our SWIFT data comes from

The details here are taken from public sources that we update regularly. Banks merge, close branches and change codes, and a directory never catches every change immediately. The figures on this page reflect what is in our directory, not official figures from National Australia Bank Limited.

Treat the information on this page as a helpful check. We are an independent comparison service and not affiliated with National Australia Bank Limited. Should you notice something that is out of date, we welcome a message via the contact page.

What the XXX in NATAAU33XXX means

A SWIFT code is made up of fixed blocks: the first four letters stand for the bank, characters five and six give the country and characters seven and eight indicate the location. Combined, those parts form NATAAU33, the code most people search for.

The full version adds three more characters for a branch or department. If the last three are XXX, the code points to the head office, which is why NATAAU33XXX and NATAAU33 lead to the same place.

Enter the code in one piece, in upper case and without spaces, exactly as shown here. A single letter may route a payment to a different institution.

Choosing between the 18 SWIFT codes of National Australia Bank Limited

Our database contains 18 SWIFT/BIC codes for National Australia Bank Limited in 8 cities. Next to the head office code NATAAU33XXX, you will find codes for individual branches and departments.

For the vast majority of incoming transfers, the head office code NATAAU33XXX works fine. Only use a branch code when your contact gives you that exact code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes are more likely to be retired than NATAAU33XXX when a bank merges or closes offices.

Changed bank details? Be careful

Criminals regularly send payment requests with new bank details. The fact that NATAAU33 exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Check new bank details via a different channel, such as a phone number you already know. Pressure and secrecy are red flags – a real supplier can wait a day. Acted too fast? Contact the bank you paid from straight away and have them start a recall and report the fraud.

Recipients are targeted too: one known trick is an overpayment and then sends a request to send back the difference to another account. Wait until the money is actually in your account and check with National Australia Bank Limited if anything seems off.

How to check NATAAU33 before you pay

Have the recipient copy the bank details directly from their online banking. Compare it against NATAAU33 here; if they differ, ask before you pay.

Mistakes in the BIC tend to be costly rather than fatal: often the payment comes back, minus fees. Do not forget the IBAN: a mistake there is harder to correct than a wrong code.

An automatic check in your banking app only confirms that the code is valid. More and more banks compare the payee name with the account before you confirm – do not ignore a mismatch warning. A small test payment is worth it for large sums despite the extra fee.

Sending AUD to National Australia Bank Limited

The national currency of Australia is the Australian Dollar (AUD). Money sent in a different currency will be exchanged into AUD on its way to National Australia Bank Limited, and whoever converts it chooses the rate. You rarely see a separate line for the conversion – the cost sits in the rate.

Where the conversion happens affects how much arrives. In many cases you pay less if you send AUD straight away via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

The AUD rate fluctuates throughout the day. If you pay regularly, small differences in the rate add up over time.

What a transfer from National Australia Bank Limited abroad really costs

When you send money abroad through National Australia Bank Limited, the fee you see is only part of what you pay. On top of a fixed fee, correspondent or intermediary banks may deduct a fee, and if currencies are converted, the bank usually uses a rate below the actual market rate.

Many banks do not show their exchange rate markup separately – you only notice it if you compare. Check the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Specialist money transfer services frequently use a rate near the mid-market rate and lower fees. GoldexPay compares the amount that arrives with different services, which makes the cheapest option easy to spot. Using a transfer service does not require leaving National Australia Bank Limited: you simply pay the service from your account.