Australia and New Zealand Banking Group Limited SWIFT/BIC code

SWIFT/BIC code of Australia and New Zealand Banking Group Limited

ANZBSGSX and ANZBSGSXXXX are two ways of writing the same bank identifier, and both point to Australia and New Zealand Banking Group Limited in Singapore. Banks worldwide use BIC codes to route international transfers to the right bank. In daily life you usually see it on international invoices, in payment forms and in the bank details that Australia and New Zealand Banking Group Limited provides.

On this page you will find what the code is put together, when you need it and which other details a transfer to or from Australia and New Zealand Banking Group Limited requires. A SWIFT code identifies an institution, not a specific account, which is why you always need the account number too.

How long does an international transfer to Australia and New Zealand Banking Group Limited take?

How quickly a transfer reaches Australia and New Zealand Banking Group Limited depends on a few things: the currency, the number of banks in between, cut-off times and differences in time zone. Transfers sent after the cut-off time or just before a weekend or public holiday usually start a business day later. Extra checks on larger or unusual payments can also add some delay, regardless of the details.

A growing number of banks use SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique transaction reference, the UETR. Specialist transfer services usually provide a status online so you can see how far the payment has got.

Only the sending bank can request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, you can check your statements for a partial amount.

Getting paid from abroad into a Australia and New Zealand Banking Group Limited account

If you expect a payment from another country, give the sender all details at once. Share the account holder’s name, your account number or IBAN, SWIFT code ANZBSGSXXXX and your address, which some banks require.

You can include Australia and New Zealand Banking Group Limited and its city too. Double-check each detail before you share them, because the sender’s bank usually copies them as is.

The amount you receive can be lower than what was sent. Correspondent banks can take a fee, and when currencies differ, an exchange rate margin applies. On invoices, you can agree how the fees are split to avoid a shortfall.

Why Australia and New Zealand Banking Group Limited has an 8- and an 11-character code

Each SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and a two-character location code. That gives you ANZBSGSX.

The full version adds three more characters that identify a branch or department. When those three characters are XXX, the code points to the head office, so ANZBSGSXXXX and ANZBSGSX are interchangeable.

Type the code in one piece, in capitals and without spaces. Watch for O versus 0 or the letter I and the digit 1.

A note on our data

This directory is based on publicly available sources and we update it periodically. It can happen that information here is out of date after a merger or reorganisation. The figures on this page reflect what is in our directory, not official figures from Australia and New Zealand Banking Group Limited.

Treat our directory on this page as a helpful check. GoldexPay has no connection to Australia and New Zealand Banking Group Limited, we only compare transfer services. If you notice something that is out of date, we appreciate a message.

Protect yourself against fake payment requests

Scammers regularly use payment requests with changed bank details, sometimes in an email that looks completely genuine. The fact that ANZBSGSX exists is no guarantee that the account is legitimate; criminals use the codes of real banks too.

Do not trust a phone number in the same message that contains the change. Pressure or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. If money was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference. Do not act before the money has really arrived and check with Australia and New Zealand Banking Group Limited if anything seems off.

What a transfer from Australia and New Zealand Banking Group Limited abroad really costs

An international bank payment costs rather more than the fee suggests. On top of the transfer fee, correspondent or intermediary banks can take a cut, and when the money changes currency the bank often uses a rate below the real market rate.

That exchange rate margin tends to be the biggest cost. A simple test: put the rate you get against the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a transfer service is cheaper than a traditional bank transfer. On GoldexPay we compare what recipients receive with different services. Choosing a specialist does not mean closing your account at Australia and New Zealand Banking Group Limited – you pay the provider from your own account.

Head office or branch code at Australia and New Zealand Banking Group Limited?

We have 2 SWIFT/BIC codes for Australia and New Zealand Banking Group Limited, spread over 1 locations. Next to the head office code ANZBSGSXXXX, there are codes for regional offices and specialised units.

Unless the recipient tells you otherwise, go with ANZBSGSXXXX or its short form ANZBSGSX. Just use a branch code when your contact explicitly asks for it, for example on an invoice or in their bank details.

The best way is to copy the code straight from the recipient’s statement. Codes are sometimes changed or retired over time.

Before you send: check the Australia and New Zealand Banking Group Limited code

The most reliable source for the BIC is the bank details provided by the recipient: an invoice, a bank statement or their online banking. If the code you have does not match ANZBSGSX or ANZBSGSXXXX, stop and ask – contact the recipient or Australia and New Zealand Banking Group Limited.

Errors in the SWIFT code tend to be costly more than disastrous. Remember the IBAN: an error there is more difficult to undo than a wrong code.

Most online banking apps check the format of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Some banks now compare the payee name against the account. Sending a small amount first is a sensible step for large sums.

Singapore Dollar (SGD) and conversion costs

The currency of Singapore is the Singapore Dollar (SGD). A payment in a foreign currency will be converted into SGD before it reaches the account – and the bank that does it picks the rate. Every conversion eats into something, even when no fee is shown.

Who converts the money makes a difference: every bank has its own margin. In many cases you pay less if you send SGD directly via a provider that converts near the mid-market rate, so that the receiving bank does not need to convert again.

Exchange rates move all the time, and some providers let you lock in a rate. For regular payments, small differences in the rate add up over a year.