New Zealand Bank Code Checker
Check a New Zealand bank account number, see what each part means, and find the bank behind a bank number.
A New Zealand bank account number has 15 or 16 digits, written BB-bbbb-AAAAAAA-SS or with a three-digit suffix: a 2-digit bank number, a 4-digit branch number, a 7-digit account body and a 2 or 3-digit suffix. The first six digits are what other countries call the bank code. New Zealand does not use IBANs. This tool splits the number and runs the modulus check from Inland Revenue's specification. A number that passes is not proved to exist: about 1 in 10 random numbers pass.
Check a New Zealand account number
Enter it with hyphens or spaces, or as 15 or 16 digits. Nothing you type leaves your browser, and it is not saved.
The example is a worked number from Inland Revenue's specification, not a real account.
Bank Numbers: the First Two Digits
These are the 28 bank numbers in Payments NZ's Bank Branch Register of 26 August 2026, with the bank behind each. Payments NZ coordinates New Zealand's bank numbers. Several numbers belong to one bank because banks have merged, so a bank can have many, and some banks share a number with a partner.
| Bank number | Bank |
|---|---|
| 01 | ANZ |
| 02 | BNZ (Bank of New Zealand) |
| 03 | Westpac |
| 04 | ANZ |
| 05 | China Construction Bank (New Zealand) |
| 06 | ANZ |
| 08 | BNZ (Bank of New Zealand) |
| 10 | ICBC (New Zealand) |
| 11 | ANZ |
| 12 | ASB |
| 13 | Westpac |
| 14 | Westpac |
| 15 | TSB Bank |
| 16 | Westpac |
| 17 | Westpac |
| 18 | Westpac |
| 19 | Westpac |
| 20 | Westpac |
| 21 | Westpac |
| 22 | Westpac |
| 23 | Westpac |
| 24 | ASB |
| 25 | ANZ |
| 27 | Westpac |
| 30 | HSBC New Zealand |
| 31 | Citibank |
| 38 | Kiwibank |
| 88 | Bank of China (New Zealand) |
No bank number matches. Try part of the bank's name, or the two-digit number.
SWIFT Codes of the Main Banks
For a payment from another country, the sender needs your full account number and your bank's SWIFT/BIC code. The banks give these codes on their own pages, linked below.
| Bank | Bank numbers | SWIFT/BIC | Source |
|---|---|---|---|
| ANZ | 01, 04, 06, 11, 25 | ANZBNZ22 ANZBNZ22XXX if 11 characters are needed | ANZ: SWIFT/BIC code |
| ASB | 12, 24 | ASBBNZ2A | ASB: SWIFT code |
| BNZ (Bank of New Zealand) | 02, 08 | BKNZNZ22 BKNZNZ22100 if a longer code is needed | BNZ: payments to New Zealand |
| Kiwibank | 38 | KIWINZ22 KIWINZ22XXX if 11 characters are needed | Kiwibank: receive money from overseas |
| Westpac | 03, 13 to 14, 16 to 23, 27 | WPACNZ2W WPACNZ2WXXX if 11 characters are needed | Westpac NZ: what is a SWIFT code |
Go Deeper
The Format of a New Zealand Account Number
| Part | Digits | Example: 01-0902-0068389-00 |
|---|---|---|
| Bank number | 2 | 01 |
| Branch number | 4 | 0902 |
| Account body | 7 | 0068389 |
| Suffix | 2 or 3 | 00 |
BNZ's page shows the three-digit suffix form, 02-NNNN-NNNNNNN-NNN, and Westpac's says that a suffix of 12 is entered as 012. The suffix tells the bank which of your accounts a payment is for. Pad a two-digit suffix with a leading zero if a form wants three digits. The first six digits are the bank and branch numbers. ANZ tells senders who are asked for an IBAN to use them.
How the Check Works
Inland Revenue's specification document for resident and non-resident withholding tax (year ending 31 March 2016) gives a modulus check for account numbers. The tool follows it:
- Pad the number to 18 digits: bank (2), branch (4), account body (8) and suffix (4), each right-aligned with zeros.
- Multiply each digit by its weight, which depends on the algorithm.
- Add the products. For algorithms E and G, first add the two digits of each product, and again the two digits of the result.
- Divide the sum by the modulo. The number passes if the remainder is 0.
The algorithm comes from the bank number. Bank 08 uses D, bank 09 uses E, banks 25 and 33 use F, banks 26, 28 and 29 use G and bank 31 always passes (X). The other banks in the specification use A if the account body is below 00990000 and B if it is not. The tool shows the working for any number you enter, and it reproduces all three worked examples in the specification.
| Algorithm | Weights on the 18 digits | Modulo |
|---|---|---|
| A | · · 6 3 7 9 · · 10 5 8 4 2 1 · · · · Bank numbers 01, 02, 03, 06, 11 to 24, 27, 30, 35 and 38, when the account body is below 00990000 | 11 |
| B | · · · · · · · · 10 5 8 4 2 1 · · · · The same banks, when the account body is 00990000 or more | 11 |
| D | · · · · · · · 7 6 5 4 3 2 1 · · · · Bank 08 | 11 |
| E | · · · · · · · · · · 5 4 3 2 · · · 1 Bank 09. Add the digits of each product. | 11 |
| F | · · · · · · · 1 7 3 1 7 3 1 · · · · Banks 25 and 33 | 10 |
| G | · · · · · · · 1 3 7 1 3 7 1 · 3 7 1 Banks 26, 28 and 29. Add the digits of each product. | 10 |
| X | · · · · · · · · · · · · · · · · · · Bank 31 | 1 |
Finding a Branch Number
Branch numbers are listed in Payments NZ's Bank Branch Register, which it updates every month. It can be downloaded free, and its terms allow personal use, so this page does not copy the branch list. Your own account number already has your branch number in digits 3 to 6.
Receiving Money from Abroad
Give the sender your full account number, your name as it appears on the account and your bank's SWIFT/BIC code. Banks such as ASB also ask for a physical address, and not a PO Box. Some senders' banks ask for an 11-character BIC, and the banks above say what to add. Do not make up an IBAN. Find other banks' codes with our SWIFT code lookup.
New Zealand and Australia
New Zealand's account number and Australia's BSB are not interchangeable. A BSB has six digits and the account number is separate. A New Zealand number includes its own bank and branch in the first six digits. Use our Australian BSB checker for Australian accounts.
What This Page Uses
The check is from Inland Revenue's specification, and we tested it against its three worked examples and against an independent open-source implementation on tens of thousands of random numbers. The bank-number list was checked against Payments NZ's Bank Branch Register of 26 August 2026, which we analysed and did not copy. SWIFT codes and the statements about IBANs are from the banks' own pages. We last checked on 19 September 2026.
Frequently Asked Questions
How many digits does a New Zealand bank account number have?
Fifteen or sixteen: a 2-digit bank number, a 4-digit branch number, a 7-digit account body and a 2 or 3-digit suffix, written like 12-3456-7890123-00.
What is the bank code in New Zealand?
There is no separate code. The bank number (2 digits) and the branch number (4 digits) at the start of the account number are the bank code. Together they are the six-digit national clearing code, and they are digits 1 to 6 of your account number.
What is the suffix on a New Zealand account number?
The last two or three digits. It identifies one of your accounts at the bank, such as a savings or a loan account. BNZ writes it with three digits and Westpac says that a suffix of 12 is entered as 012.
Does New Zealand use IBAN?
No. ANZ's page says that New Zealand banks do not use the IBAN format, and that an IBAN is not required to send money to an ANZ account. Give the sender your account number and your bank's SWIFT/BIC code.
How does the modulus check work?
Inland Revenue's specification pads the number to 18 digits, multiplies each digit by a weight, adds the products and divides by 11 or 10. The number passes if nothing is left over. The algorithm depends on the bank number. Open "Show the working" in the result to see every step.
Does a number that passes the check exist?
Not necessarily. About 1 in 10 random numbers pass by chance, and the check cannot tell whether an account is open. Confirm the number and the account holder's name with the recipient.
Does the check catch a wrong suffix?
Not for most banks. In algorithms A, B, D and F the suffix has no weight, so a change to it still passes. Algorithms E and G do use it.
Which typing mistakes does the check catch?
It catches almost all single-digit mistakes in the account body. In our test of random valid numbers, a changed digit was caught about 96 per cent of the time. Some digits carry no weight, so it cannot catch a mistake in them.
Why does the tool say it cannot check my bank?
Inland Revenue's specification covers a fixed list of bank numbers. Numbers 04, 05, 10 and 88 are in the current Payments NZ register but not in it, so for them the tool checks the format and does not run a modulus check.
Why does the tool not check the branch number?
The branch ranges published with the specification are from 2016. In Payments NZ's register of 26 August 2026, 40 of 3290 branches of the covered banks fall outside them, so rejecting those would turn away real branches. Your branch number is in your own account number.
Where do I find a branch number or the full branch list?
Payments NZ publishes a Bank Branch Register and updates it every month. Its terms allow personal use, and they ask for written permission to copy or distribute it, so this page links to it and does not copy it.
What do I need to receive money from abroad?
Your full account number, your name as it appears on the account and your bank's SWIFT/BIC code. The banks give the code on their own pages, linked in the table on this page. Some, such as ASB, also ask for a physical address and not a PO Box.
Is a New Zealand account number the same as an Australian BSB?
No. An Australian BSB has six digits and the account number is separate. A New Zealand number has its bank and branch in its first six digits. Use the Australian BSB checker for Australian accounts.
Where does the check come from and how current is it?
From Inland Revenue's Non-Resident Withholding Tax and Resident Withholding Tax Specification Document for the year ending 31 March 2016, which is no longer on its original address. We tested it against the three worked examples in that document. Bank numbers were checked against Payments NZ's register of 26 August 2026. We last checked on 19 September 2026.
Is anything I type stored or sent?
No. The check runs in your browser. Nothing you type is sent to a server or saved by this page.
