SWIFT/BIC Code for
Bank Australia Limited
MLOIAU21
8-character head-office code · works for all branches
Code Breakdown
MLOI
Bank Code
AU
Country
Australia
21
Location
MLOIAU21 has no branch code, so it is the head-office (primary) BIC for Bank Australia 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 MLOIAU21) 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 MLOIAU21 and MLOIAU21XXX are equivalent.
In short: for almost all international transfers to Bank Australia Limited, the 8-character code MLOIAU21 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 Bank Australia Limited, the sender needs:
- • SWIFT/BIC: MLOIAU21
- • BSB number: the recipient’s (e.g. 313-000)
- • Account number: the recipient’s
- • Recipient’s full name and address
Bank Information
- Institution
- Bank Australia Limited
- SWIFT/BIC Code
- MLOIAU21
- Country
- Australia
- BSB range(s)
- 313
- Branches in BSBFinder
- 3
- Head-office BSB
- 313-000
Bank Australia Limited BSB Numbers
Bank Australia Limited has 3 active BSB numbers in the AusPayNet register, across the 313 range. The head-office BSB is 313-000.
When Do You Need This SWIFT Code?
You need the SWIFT code MLOIAU21 when:
- Receiving an international wire transfer into your Bank Australia 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 Bank Australia Limited? ▾
The SWIFT/BIC code for Bank Australia Limited is MLOIAU21.
Do I need a BSB as well as MLOIAU21 for an international transfer? ▾
Yes. MLOIAU21 identifies Bank Australia Limited internationally, but the sender also needs your BSB and account number to credit the correct account. Australia does not use IBANs.
Is MLOIAU21 the same for all Bank Australia Limited branches? ▾
For most international transfers, yes. MLOIAU21 is the 8-character head-office code for Bank Australia 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 Bank Australia 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.