New Zealand Bank Code Checker
Validate any NZ bank account number, decode the 4-part format, identify the bank, and find the SWIFT code for international transfers. New Zealand does not use IBAN.
Format: BB-bbbb-AAAAAAA-SS (15-16 digits). Hyphens optional.
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RBNZ Registered Bank Codes
The first 2 digits of any NZ account number identify the bank. All codes assigned by the Reserve Bank of New Zealand.
| Code | Bank |
|---|
NZ Account Number Format
A New Zealand bank account number has four parts, always written in the order: bank, branch, account body, suffix.
01
Bank (2 digits)
01 = ANZ NZ
0902
Branch (4 digits)
Wellington Central
0068900
Account (7 digits)
Unique account ID
00
Suffix (2-3 digits)
Account type
Total: 15 digits (2-digit suffix) or 16 digits (3-digit suffix). Hyphens are used for readability but are not part of the account number.
What Is a New Zealand Bank Code?
A New Zealand bank code is a 2-digit number assigned by the Reserve Bank of New Zealand (RBNZ) that identifies a registered bank within New Zealand's payment system. It is always the first two digits of a full NZ bank account number. ANZ New Zealand is 01, BNZ is 02, Westpac NZ is 03, ASB is 12, Kiwibank is 38, and TSB is 15.
The full New Zealand bank account number has four parts separated by hyphens: the 2-digit bank code, a 4-digit branch number, a 7-digit account body, and a 2 or 3-digit suffix. A typical ANZ account looks like 01-0902-0068900-00. When you set up a direct debit, make a payment to someone, or receive a payroll deposit, the full 4-part account number is what routes the money correctly within New Zealand's domestic payment system.
New Zealand does not use IBAN. Unlike European countries where international transfers use the IBAN format, New Zealand uses the 4-part account number combined with the bank's SWIFT code for international wires. If someone abroad is sending money to your NZ account, give them your full account number and your bank's SWIFT code. Do not give them an IBAN. It will not work.
Receiving International Wire Transfers to New Zealand
To receive a SWIFT wire transfer from abroad into a New Zealand account, the sender needs your bank's SWIFT code and your full NZ account number. They may also need the bank's physical address. ANZ NZ's SWIFT code is ANZBNZ22. ASB's is ASBBNZ2A. BNZ's is BKNZNZ22. Westpac NZ's is WPACNZ2W. Kiwibank's is KIWINZ22.
Services like Wise, OFX, and Western Union operate differently. They maintain local NZ bank accounts and deliver money domestically within New Zealand after receiving it internationally. When using these services, the sender typically only needs to enter your NZ account number on their platform. The provider handles the SWIFT routing to their own NZ correspondent bank.
NZ Bank Codes vs Australian BSB: How They Differ
New Zealand bank codes and Australian BSBs (Bank State Branch numbers) are both used to identify banks and branches for domestic payments, but they work differently. An Australian BSB is 6 digits where the first two identify the bank and the remaining four identify the branch. A New Zealand bank code is just 2 digits identifying the institution, and the branch is a separate 4-digit number in the NZ account structure.
The ANZ bank operates in both countries but uses completely different codes in each. In Australia, ANZ BSBs start with 01 and include the state code. In New Zealand, ANZ's bank code is simply 01. Even though some numbers look similar, an Australian BSB is not valid in New Zealand and vice versa. The two countries have entirely separate payment systems.
Sending to Australia instead? Use our Australian BSB Checker. Validate European IBANs with our IBAN Validator. Check SEPA eligibility with our SEPA Eligibility Checker.
Bank code data sourced from the Reserve Bank of New Zealand (RBNZ) registered bank list. Data last updated: January 2025.
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Frequently Asked Questions
A 2-digit number assigned by RBNZ that identifies a registered bank. ANZ = 01, BNZ = 02, Westpac NZ = 03, ASB = 12, Kiwibank = 38, TSB = 15. It is the first two digits of any NZ bank account number.
ANZ New Zealand's bank code is 01. All ANZ NZ accounts start with 01. Format: 01-XXXX-XXXXXXX-XX. ANZ's SWIFT code for international wires is ANZBNZ22.
A NZ bank account number is 15 or 16 digits: 2-digit bank code + 4-digit branch + 7-digit account + 2 or 3-digit suffix. Written as BB-bbbb-AAAAAAA-SS. The suffix is usually 2 digits but some accounts use 3.
No. New Zealand does not use IBAN. For international wires, give the sender your bank's SWIFT code and your full NZ account number. ANZ: ANZBNZ22. ASB: ASBBNZ2A. BNZ: BKNZNZ22. Kiwibank: KIWINZ22.
Kiwibank's SWIFT code is KIWINZ22. Kiwibank's NZ bank code is 38. For international wires: SWIFT KIWINZ22 + full account in format 38-XXXX-XXXXXXX-XX.
Your full NZ account number appears in your bank's app under account details, on bank statements, and in internet banking. Format: BB-bbbb-AAAAAAA-SS. You need all four parts for domestic payments, plus the bank's SWIFT code for international transfers.
No. An Australian BSB is 6 digits (bank + state + branch together). A NZ bank code is just 2 digits for the institution, with branch as a separate 4-digit number. They belong to completely separate payment systems and are not interchangeable.