SWIFT/BIC Code for
Bendigo and Adelaide Bank Limited
BENDAU3B
8-character head-office code · works for all branches
Code Breakdown
BEND
Bank Code
AU
Country
Australia
3B
Location
BENDAU3B has no branch code, so it is the head-office (primary) BIC for Bendigo and Adelaide Bank 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 BENDAU3B) 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 BENDAU3B and BENDAU3BXXX are equivalent.
In short: for almost all international transfers to Bendigo and Adelaide Bank Limited, the 8-character code BENDAU3B 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 Bendigo and Adelaide Bank Limited, the sender needs:
- • SWIFT/BIC: BENDAU3B
- • BSB number: the recipient’s (e.g. 633-000)
- • Account number: the recipient’s
- • Recipient’s full name and address
Bank Information
- Institution
- Bendigo and Adelaide Bank Limited
- SWIFT/BIC Code
- BENDAU3B
- Country
- Australia
- BSB range(s)
- 633
- Branches in BSBFinder
- 24
- Head-office BSB
- 633-000
Bendigo and Adelaide Bank Limited BSB Numbers
Bendigo and Adelaide Bank Limited has 24 active BSB numbers in the AusPayNet register, across the 633 range. The head-office BSB is 633-000.
When Do You Need This SWIFT Code?
You need the SWIFT code BENDAU3B when:
- Receiving an international wire transfer into your Bendigo and Adelaide Bank 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 Bendigo and Adelaide Bank Limited? ▾
The SWIFT/BIC code for Bendigo and Adelaide Bank Limited is BENDAU3B.
Do I need a BSB as well as BENDAU3B for an international transfer? ▾
Yes. BENDAU3B identifies Bendigo and Adelaide Bank Limited internationally, but the sender also needs your BSB and account number to credit the correct account. Australia does not use IBANs.
Is BENDAU3B the same for all Bendigo and Adelaide Bank Limited branches? ▾
For most international transfers, yes. BENDAU3B is the 8-character head-office code for Bendigo and Adelaide Bank 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 Bendigo and Adelaide Bank 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.