SWIFT/BIC Code for
Australia & New Zealand Banking Group Limited
ANZBAU3M
8-character head-office code · Melbourne · works for all branches
Code Breakdown
ANZB
Bank Code
AU
Country
Australia
3M
Location
Melbourne
ANZBAU3M has no branch code, so it is the head-office (primary) BIC for Australia & New Zealand Banking Group Limited — the code international senders use for transfers to any of the bank's branches.
8 vs 11 Characters — Which Do You Use?
SWIFT codes come in two lengths. An 8-character code (like ANZBAU3M) identifies the bank's head office and covers all of its branches. An 11-character code adds a three-letter branch suffix that points to one specific office.
A common suffix is XXX, which simply means “head office” — so ANZBAU3M and ANZBAU3MXXX are equivalent.
In short: for almost all international transfers to Australia & New Zealand Banking Group Limited, the 8-character code ANZBAU3M is the right one to give the sender.
You don’t need an IBAN to send money to Australia
Australia does not use the IBAN system. For an incoming international transfer to Australia & New Zealand Banking Group Limited, the sender needs:
- • SWIFT/BIC: ANZBAU3M
- • BSB number: the recipient’s (e.g. 012-002)
- • Account number: the recipient’s
- • Recipient’s full name and address
Bank Information
- Institution
- Australia & New Zealand Banking Group Limited
- SWIFT/BIC Code
- ANZBAU3M
- Country
- Australia
- BSB range(s)
- 012–017
- Branches in BSBFinder
- 1,442
- Head-office BSB
- 012-002
Australia & New Zealand Banking Group Limited BSB Numbers
Australia & New Zealand Banking Group Limited has 1,442 active BSB numbers in the AusPayNet register, across the 012–017 ranges. The head-office BSB is 012-002.
When Do You Need This SWIFT Code?
You need the SWIFT code ANZBAU3M when:
- Receiving an international wire transfer into your Australia & New Zealand Banking Group Limited account from overseas
- Someone abroad needs to send you money — give them this SWIFT code along with your BSB and account number
- Setting up an international direct debit or recurring payment from an overseas account
For domestic transfers within Australia, you only need your BSB number and account number — no SWIFT code is required.
Learn more in our guide: BSB vs SWIFT Code: What's the Difference?
Frequently Asked Questions
What is the SWIFT code for Australia & New Zealand Banking Group Limited? ▾
The SWIFT/BIC code for Australia & New Zealand Banking Group Limited is ANZBAU3M.
Do I need a BSB as well as ANZBAU3M for an international transfer? ▾
Yes. ANZBAU3M identifies Australia & New Zealand Banking Group Limited internationally, but the sender also needs your BSB and account number to credit the correct account. Australia does not use IBANs.
Is ANZBAU3M the same for all Australia & New Zealand Banking Group Limited branches? ▾
For most international transfers, yes. ANZBAU3M is the 8-character head-office code for Australia & New Zealand Banking Group Limited and works across its branches. Some transfers may use an 11-character code ending in a branch suffix, but the 8-character code is accepted in the large majority of cases.
How long does an international transfer to Australia & New Zealand Banking Group Limited take? ▾
International SWIFT transfers to Australia typically take 1–5 business days depending on the sending bank, the currency, and any intermediary banks involved. Transfers sent after the receiving bank's daily cut-off are processed the next business day.