SWIFT/BIC Code for
Heritage and People's Choice Limited
HPCLAU4B
8-character head-office code · works for all branches
Code Breakdown
HPCL
Bank Code
AU
Country
Australia
4B
Location
HPCLAU4B has no branch code, so it is the head-office (primary) BIC for Heritage and People's Choice 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 HPCLAU4B) 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 HPCLAU4B and HPCLAU4BXXX are equivalent.
In short: for almost all international transfers to Heritage and People's Choice Limited, the 8-character code HPCLAU4B 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 Heritage and People's Choice Limited, the sender needs:
- • SWIFT/BIC: HPCLAU4B
- • BSB number: the recipient’s (e.g. 638-000)
- • Account number: the recipient’s
- • Recipient’s full name and address
Bank Information
- Institution
- Heritage and People's Choice Limited
- SWIFT/BIC Code
- HPCLAU4B
- Country
- Australia
- BSB range(s)
- 638, 880
- Branches in BSBFinder
- 1,025
- Head-office BSB
- 638-000
Heritage and People's Choice Limited BSB Numbers
Heritage and People's Choice Limited has 1,025 active BSB numbers in the AusPayNet register, across the 638, 880 ranges. The head-office BSB is 638-000.
When Do You Need This SWIFT Code?
You need the SWIFT code HPCLAU4B when:
- Receiving an international wire transfer into your Heritage and People's Choice 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 Heritage and People's Choice Limited? ▾
The SWIFT/BIC code for Heritage and People's Choice Limited is HPCLAU4B.
Do I need a BSB as well as HPCLAU4B for an international transfer? ▾
Yes. HPCLAU4B identifies Heritage and People's Choice Limited internationally, but the sender also needs your BSB and account number to credit the correct account. Australia does not use IBANs.
Is HPCLAU4B the same for all Heritage and People's Choice Limited branches? ▾
For most international transfers, yes. HPCLAU4B is the 8-character head-office code for Heritage and People's Choice 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 Heritage and People's Choice 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.