What is a BSB number?

A Bank State Branch (BSB) number is a six-digit bank identifier code that's divided into three parts in order to identify specific Australian banks, their state of operation, and specific bank branches. BSB codes are needed for all transfers to Australian bank accounts, whether domestic or inbound international payments. They are always used alongside an individual person's bank account number to identify the exact account into which funds should be deposited. While some smaller banks use one BSB code to represent all bank accounts, most Australian banks have many BSB codes, each representing individual branches.

Does a BSB number matter?

Yes, a BSB number certainly does matter if you'd like to make or receive payments to or in Australia. This is because BSB codes are needed for all transfers to Australian bank accounts, whether domestic or inbound international payments.

Can I change my BSB number?

Because BSB numbers are linked to specific bank branches, the only way in which you can change your BSB number would be to open a new bank account with a different branch or a different bank altogether.

Where can I find my BSB number?

Normally, the fastest and easiest way to find your bank's BSB code is to Google it. Banks themselves often don't make this information all too accessible, but the information is almost always readily available through a quick search online. Don't forget to add your individual bank branch name to the search, as BSB numbers differ on this basis.

Do all bank branches have their own BSB numbers?

Yes, most banks have different BSB numbers by individual branch. It's for this reason that it's always a good idea to double-check your BSB number in advance of making a money transfer.

Do NAB BSB numbers differ by branch?

Yes, NAB BSB numbers differ by branch. We therefore recommend double-checking to make sure your transfer is going to the right place.

How many numbers are in a BSB?

There are six numbers in a BSB. Each digit is used to identify a specific entity: the first two digits represent the bank (e.g. NAB, Westpac, etc.), the third digit represents the state in which that bank is operating (e.g. Queensland, etc.) and the final three digits represent individual bank branches. For example, in the BSB number 012-013, the following information is represented: 01: ANZ 2: New South Wales 013: Parramatta Branch

Are BSB numbers always six digits?

Yes, BSB numbers are always six digits. This is because each digit is used to identify a specific entity.

Does my account number include my BSB?

Yes. The typical Australian bank account number format is expressed using the six-digit BSB first (unique to your bank branch), followed by a four- to six- digit bank account number (that's unique to your bank account).

NAB BSB Number

The BSB code for NAB Bank varies by branch. The BSB numbers for NAB branches in major population centres include the following:

NAB Syndey (Parramatta Westfield): 082-955
NAB Perth (Murray Street): 086-027
NAB Melbourne (330 Collins St): 083-004
NAB Melbourne (Geelong - Malop St): 083-646
NAB Townsville City: 084-970
NAB Canberra City: 082-902

Since every NAB branch has its own BSB number, we recommend double-checking to make sure your transfer is going to the right place. If you're sending money to Australia from overseas, you will need to provide this number, plus your recipient's full name, and their bank account number.

If you're looking for NAB's BSB code, you're probably either:

sending money domestically within Australia, or
sending money to Australia from abroad, or
receiving money to your NAB account from abroad.

In the case of the second and third, then you should beware of hidden bank fees for international transfers and consider using a digital provider to save money instead. (On the other hand, in the case of a domestic transfer, then you need only make a transfer like normal.) To see why we recommend most people avoid the bank for international money transfers, select the link below that applies to your situation:

Which Applies to You?

01. I'm sending money from one Australian bank to another
02. I'm overseas, sending money to Australia
03. I'm in Australia, receiving money from overseas
04. I'd like more information about NAB BSB numbers

Case 1: Sending Money in Australia

If you're sending money domestically within Australia from an account at any local bank to a NAB bank account, then all you'll need to make a transfer is your beneficiary's BSB code, account number, and personal details (e.g. full name and address). It's as simple as that!

However, if you ever happen to make or receive international payments, then you may be interested to know that you could save a lot of money by choosing the right transfer service. Read on to learn more about how to send and receive money to and from Australia.

Case 2: Sending Money to Australia

If you're sending money internationally to a NAB bank account in Australia through your local bank, the transaction will likely be much pricier than it ought to be. —

This is because fixed international bank transfer fees, bad exchange rates, and correspondent banking fees can stack up very quickly. At Monito, we analyzed the cost of sending money with around 50 major banks in eight countries around the world, and we can confidently say that we don't recommend using your bank to send money to Australia.

Additionally, bank transfers via the SWIFT network tend to take quite long (between one and five business days on average), meaning they're not a good option if you want to make a speedy transfer.

Fortunately for you, much smarter alternatives exist. Using a digital money transfer provider, not only could you up to 95% in fees compared to the bank, but you'll also be able to send money more quickly to your beneficiary's account at NAB. Compare now on Monito's real-time comparison engine to find the cheapest way to send to any NAB bank account in Australia:

Compare better ways to send money to NAB in Australia:

Case 3: Receiving Money From Abroad

Are you expecting a transfer from abroad and is the sender asking you to provide BSB code for your NAB account? Then you're likely going to receive less than you should because of the high international bank transfer fees and bad exchange rates that are usually applied by the senders' bank.

For example, a typical foreign bank will charge between 5% and 10% in total fees for sending $1,000 equivalent to Australia. With costs like this, you'd easily receive $50 to $100 less per $1,000 sent than you would've had transferred at the real, mid-market exchange rate.

Luckily, a much better alternative exists to save money when receiving money in Australia from abroad. It's called the Wise Account and it's available for both individuals and businesses. Using a Wise Account (available in Australia), you'll get local bank account details for 10 different currencies. What's more, you'll be able to send, hold, spend, and receive Aussie dollars and other foreign currency at the mid-market exchange rate with low, transparent fees. This means you'll be able to use Wise to receive money like a local in Australia (and other countries), making it an excellent online account for this purpose.

Open your Wise account ❯

or see the full review

NAB BSB Numbers

To learn more about NAB BSB codes, take a look at the table below, which breaks things down further for your convenience:

Bank Name	National Australia Bank Ltd.
BSB Number	08X-XXX
Branch-Specific BSB Numbers?	Yes
Address	800 Bourke Street, Docklands
City	Melbourne
Postal Code	VIC 3008
Country	Australia
Other Branches	📍 NAB ATM and Branch Locations

Last updated: 24/9/2022
NB: The X above is a substitute. It does not form part of the BSB number.

BSB Number	08X-XXX
Bank Code (2 Numbers)	8
State Code (1 Number)	Varies by state
Branch Code (3 Numbers)	Varies by branch

Frequently Asked Questions about BSB Numbers

What is a BSB number?

A Bank State Branch (BSB) number is a six-digit bank identifier code that's divided into three parts in order to identify specific Australian banks, their state of operation, and specific bank branches. BSB codes are needed for all transfers to Australian bank accounts, whether domestic or inbound international payments. They are always used alongside an individual person's bank account number to identify the exact account into which funds should be deposited. While some smaller banks use one BSB code to represent all bank accounts, most Australian banks have many BSB codes, each representing individual branches.
Does a BSB number matter?

Yes, a BSB number certainly does matter if you'd like to make or receive payments to or in Australia. This is because BSB codes are needed for all transfers to Australian bank accounts, whether domestic or inbound international payments.
Can I change my BSB number?

Because BSB numbers are linked to specific bank branches, the only way in which you can change your BSB number would be to open a new bank account with a different branch or a different bank altogether.
Where can I find my BSB number?

Normally, the fastest and easiest way to find your bank's BSB code is to Google it. Banks themselves often don't make this information all too accessible, but the information is almost always readily available through a quick search online. Don't forget to add your individual bank branch name to the search, as BSB numbers differ on this basis.
Do all bank branches have their own BSB numbers?

Yes, most banks have different BSB numbers by individual branch. It's for this reason that it's always a good idea to double-check your BSB number in advance of making a money transfer.
Do NAB BSB numbers differ by branch?

Yes, NAB BSB numbers differ by branch. We therefore recommend double-checking to make sure your transfer is going to the right place.
How many numbers are in a BSB?
There are six numbers in a BSB. Each digit is used to identify a specific entity: the first two digits represent the bank (e.g. NAB, Westpac, etc.), the third digit represents the state in which that bank is operating (e.g. Queensland, etc.) and the final three digits represent individual bank branches. For example, in the BSB number 012-013, the following information is represented:
- 01: ANZ
- 2: New South Wales
- 013: Parramatta Branch
Are BSB numbers always six digits?

Yes, BSB numbers are always six digits. This is because each digit is used to identify a specific entity.
Does my account number include my BSB?

Yes. The typical Australian bank account number format is expressed using the six-digit BSB first (unique to your bank branch), followed by a four- to six- digit bank account number (that's unique to your bank account).

More on International Transfers to and From Australia

NAB International Transfers: Everything You Need To Know

November 27, 2020

10 Best Apps Like Cash App in Australia (Alternatives in 2023)

October 17, 2023 - by Jarrod Suda

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Learn More About Monito

Monito is trusted by 15+ million users across the globe.
Monito's experts spend hours researching and testing services so that you don't have to.
Our recommendations are always unbiased and independent.