Westpac Banking Corporation SWIFT/BIC code

WPACINBB – the SWIFT/BIC code of Westpac Banking Corporation

The short code WPACINBB and the full code WPACINBBXXX refer to the same bank: Westpac Banking Corporation, with its head office in Mumbai. A SWIFT code tells every bank in the chain which institution should receive the money, a bit like a postal address for banks. You will need it mostly for payments that cross a border and payments in foreign currencies.

We wrote this page to help anyone who receives money at an account at Westpac Banking Corporation. The SWIFT code alone does not identify a personal account; for that you need the IBAN or account number .

Head office or branch code at Westpac Banking Corporation?

With 2 codes in 1 locations, Westpac Banking Corporation belongs to the banks that register separate codes for branches and departments. The head office code remains WPACINBBXXX.

If nobody asks you for a branch code, go with WPACINBBXXX. When you receive a specific code, use it as it is instead of swapping it with the head office code.

Unsure which code to use? Ask the recipient or the bank itself. Branch codes can change when banks reorganise.

Before you send: check the Westpac Banking Corporation code

Have the recipient send you their account details straight from a recent statement. Compare it against WPACINBB on this page.

An incorrect BIC may lead to delays, a payment being sent back or additional charges. Do not forget the account number: an error there can be more difficult to undo than a wrong code.

Most online banking apps check the structure of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. If your bank offers it, a name check on the recipient gives an extra layer of safety. When you pay someone new, many people start with a small test amount and wait for confirmation.

Why Westpac Banking Corporation has an 8- and an 11-character code

The structure of a BIC is always the same: a bank code of four letters, two for the country and two for the location, plus an optional branch code. In this case, that core is WPACINBB.

Many payment forms accept either length. If yours requires eleven characters, use WPACINBBXXX; if it wants eight, use WPACINBB.

In practice the code is typed in capitals and without spaces. Pasting the code is safer than retyping it.

Receiving money from abroad at Westpac Banking Corporation

To receive an international payment at Westpac Banking Corporation, the person paying you has to have not just the BIC. The basics are: your name, account number or IBAN, WPACINBBXXX and, for some countries, your home address.

It helps to add Westpac Banking Corporation and its city as well, because some payment forms have separate fields for them. A typo in your account number is harder to fix than it looks, so copy the details from your online banking.

Do not be surprised if the amount credited is below what the sender paid. Intermediary banks may deduct a fee, Westpac Banking Corporation may charge for incoming payments, and if the currency changes, an exchange rate margin applies. On invoices, it is common to agree who bears the costs.

The Indian Rupee and what conversion costs you

The currency of India is the Indian Rupee (INR). A payment in a foreign currency will be exchanged into INR on its way to Westpac Banking Corporation, and whoever converts it chooses the rate. There is rarely a separate charge for that conversion.

Which bank converts the money matters: every bank has its own margin. In many cases it is cheaper if you send INR straight away via a provider that converts near the mid-market rate, so that the receiving bank does not need to convert again.

The INR rate changes throughout the day, so the amount you see is usually only valid for a short time. If you pay regularly, a slightly better rate add up over a year.

About this information

We collect bank codes from publicly available data and check them regularly. Even so, banks merge or change codes and our data may lag behind. The number of codes on this page reflect what is in our directory.

Use our data as a reference, rather than as the final word. GoldexPay is a comparison service and not part of Westpac Banking Corporation. Spotted an error? Let us know through the contact page so we can correct it.

Paying someone abroad from your Westpac Banking Corporation account

What you pay for a payment abroad is made up of more than one component. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, most importantly, the margin on the exchange rate if the currency changes.

Many banks do not show the margin on the rate as a cost. An easy check: put the bank’s rate against the mid-market rate and look at the difference.

For many routes, a transfer service turns out to be less expensive than a traditional bank transfer. GoldexPay compares these services next to each other, showing what actually arrives for the same amount sent. You can still use your account at Westpac Banking Corporation as the source of the money, while a cheaper service handles the conversion.

When will the money arrive at Westpac Banking Corporation?

A SWIFT payment usually takes one to a few business days – it depends on currency, route and the banks in between. Payments made late in the day or on weekends and holidays usually start the next business day. Sometimes a bank asks what the payment is for.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt until the recipient confirms – you will need it for any trace request.

If the money does not arrive after a few business days, the person who paid should contact the bank that sent it. Ask the sender for a copy of the payment confirmation with the date and reference.

Protect yourself against fake payment requests

Stay wary when a contact unexpectedly wants you to pay into another account or a bank in another country. A real SWIFT code says nothing about who owns the account.

Do not rely on a phone number from the same email that contains the new account. Pressure and requests to keep it quiet are red flags; a genuine business can wait for you to check. Acted too fast? Call the bank you paid from without delay and ask them to try to recall the payment and report the fraud.

Scams can also work the other way: someone claims to have sent more than agreed and wants you to refund the extra via a different route. A payment confirmation from the sender proves nothing – check your own account.