What is a BSB number? How Australian bank payments find the branch
By SendPay Business · · 2 min read
A BSB (Bank-State-Branch) number is a six-digit code that identifies a bank and branch in Australia. It is written as two groups of three, such as 123-456, and is used with an account number to send money within Australia.
What the digits mean
- First two digits: the bank.
- Third digit: the state where the branch is.
- Last three digits: the branch itself.
PayID: an alternative
Australia's New Payments Platform lets people register a PayID, such as a phone number or email, linked to their account. Payers can then send money to the PayID instead of typing a BSB and account number.
Paying from abroad
Australia does not use IBANs. To send money there from another country, the sender's bank usually asks for the receiving bank's SWIFT code, plus the BSB and account number.
Where SendPay fits
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This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.