ANZ SWIFT Code: Australia & New Zealand Guide 2024

If you’ve ever tried to send money from Australia to New Zealand—or vice versa—and got stuck on what SWIFT code to use, you’re definitely not the only one. ANZ operates under two different SWIFT codes depending on whether you’re dealing with the Australian or New Zealand side of the bank, and mixing them up can hold up a transfer by days. This guide cuts through the confusion with the exact codes, explains how branch-specific identifiers work, and walks through a few ways to verify you’re using the right one before you hit send.

ANZ New Zealand SWIFT: ANZBNZ22 or ANZBNZ22XXX · ANZ Australia SWIFT: ANZBAU3M or ANZBAU3MXXX · SWIFT Usage: International transfers, same for most branches

Do all ANZ branches use the same SWIFT code?

Not quite. While ANZ operates as a single institution spanning Australia and New Zealand, each country has its own primary SWIFT code. The bank also maintains specific codes for certain branches and services.

ANZ Australia SWIFT details

The primary SWIFT code for ANZ Australia is ANZBAU3MXXX. This code identifies Australia and New Zealand Banking Group Limited at its Melbourne headquarters (ANZ Official Internet Banking Help). ANZ also uses ANZBAU3RXXX specifically for AU RTGS (Australian Real Time Gross Settlement) operations (Remitly RTGS reference). Some branches have their own 11-character codes—for example, the Ballarat, Victoria branch uses ANZBAU3M516 (The SWIFT Codes directory).

ANZ New Zealand SWIFT details

The primary SWIFT code for ANZ New Zealand is ANZBNZ22XXX. This identifies ANZ Bank New Zealand Limited at its Wellington headquarters, Floor 10, 170-186 Featherstone Street (ANZ New Zealand Official). Major NZ branches also have their own codes: the Wellington branch at 215-229 Lambton Quay uses ANZBNZ22058, the Auckland branch at Corner Queen and Victoria Streets uses ANZBNZ22102, and the Christchurch branch at Corner Colombo and Hereford Streets uses ANZBNZ22797 (Wise branch code database).

Branch-specific exceptions

The SWIFT system allows both 8-character head office codes and 11-character branch-specific codes (Bank Codes SWIFT reference). When a code ends in XXX or uses only 8 characters, it refers to the bank’s head office or main operations. An 11-character code with a numeric branch identifier points to a specific location. If you can’t find a branch-specific SWIFT code, you can use the 8-character head office SWIFT code and your payment will still reach your account (Wise Australia SWIFT guide).

How do I find my ANZ Bank SWIFT code?

Whether you’re sending money to ANZ in Australia or New Zealand, finding the correct SWIFT code comes down to checking a few reliable sources. Here’s a step-by-step approach.

Check ANZ official websites

Start with the source. ANZ Australia publishes its SWIFT code directly at anz.com.au for international banking help. ANZ New Zealand lists its SWIFT code on its anz.co.nz receive money from overseas page. Both sites provide the official, up-to-date codes with instructions on how to use them.

Use SWIFT lookup tools

Trusted third-party tools can cross-reference ANZ SWIFT codes. XE and Wise both maintain databases of ANZ branch codes for Australia and New Zealand. These tools are particularly useful when you need a branch-specific code rather than the head office code.

Contact ANZ support

If you’re unsure which SWIFT code to use, confirm with your recipient or contact ANZ Bank directly. If you don’t know your local branch’s SWIFT code, you can usually use the main office SWIFT code to receive international payments. It’s generally safe to use the primary office SWIFT code for receiving international payments, especially if your local branch doesn’t have a dedicated code (XE official guidance).

Is SWIFT code per branch or per bank?

This is one of the most common sources of confusion around international transfers, so let’s be clear about how SWIFT codes actually work.

General SWIFT rules

SWIFT codes are used by banks to process international wire transfers and messages. A SWIFT code is an 8 to 11-character identifier that includes letters and numbers representing the bank, country, and location (Bank Codes definition). SWIFT and BIC codes act as unique identifiers for banks, helping payment systems recognize where to send money (XTransfer payment guide). The standard structure breaks down as follows: the first four characters identify the bank (ANZB for ANZ), the next two identify the country (AU for Australia, NZ for New Zealand), the next two identify the location code, and the final three identify the branch (XXX for head office or a numeric identifier for a specific branch) (Remitly code structure).

ANZ-specific practices

ANZ Bank may use different SWIFT/BIC codes depending on the service or branch (XE ANZ reference). However, the bank’s primary codes (ANZBAU3MXXX for Australia and ANZBNZ22XXX for New Zealand) work for transfers to any branch within their respective country. The main office SWIFT code for ANZ Bank is commonly used for international wire transfers to the bank’s Wellington headquarters (XE Wellington details). Other ANZ Bank entities such as branches in different countries or business units may have their own SWIFT codes, especially for corporate or investment banking operations (XE corporate banking).

What this means: SWIFT codes operate at two levels—bank level (the head office code, typically ending in XXX) and branch level (an 11-character code with a specific numeric identifier). For most personal and business transfers to ANZ, the bank-level code is sufficient.

What bank is ANZBAU3M?

If you’ve come across ANZBAU3M in a transfer form or lookup, here’s what you’re looking at.

Full bank name

ANZBAU3M belongs to Australia and New Zealand Banking Group Limited—the official legal name of ANZ Bank. This is the parent institution that operates across both Australia and New Zealand. The full SWIFT code including the XXX suffix is ANZBAU3MXXX, which points to ANZ’s Melbourne headquarters at Floor 9, ANZ Centre Melbourne, 833 Collins Street, Docklands (Wise Melbourne address). ANZ Australia’s SWIFT code can be written as either ANZBAU3MXXX or ANZBAU3M—both formats are accepted (ANZ Official Internet Banking Help).

Country and usage

The AU in ANZBAU3M signals that this code belongs to the Australian operations. When you see ANZBAU3M in an international transfer form, it identifies ANZ’s Australian banking operations specifically. This is distinct from ANZBNZ22 (New Zealand), which identifies the New Zealand side of the bank. Using the correct country code is essential—funds sent to the wrong country’s SWIFT infrastructure will be rejected or delayed.

The pattern: ANZ operates two separate SWIFT identifiers, one for each country of operation. The third and fourth characters (AU vs NZ) tell the global payment system which country’s ANZ branch should receive the funds.

Is IBAN the same as SWIFT code?

These two identifiers often get mixed up, but they serve different purposes in international banking. Understanding the distinction helps you use the right code for the right situation.

Key differences

The term SWIFT is often used interchangeably with BIC, which stands for Bank Identifier Code (Bank Codes terminology). Both SWIFT and BIC refer to the same system—a global network for routing international payments between banks. IBAN, on the other hand, is the International Bank Account Number, which identifies a specific account rather than a bank. IBAN is used primarily in Europe, the Middle East, and some other regions that participate in the IBAN system. SWIFT/BIC identifies the bank; IBAN identifies the account within that bank (XTransfer IBAN explanation).

When to use each

For international transfers to ANZ, you typically need the SWIFT/BIC code to identify the bank, plus the recipient’s account number. If your recipient is in a country that uses IBAN (for example, a European country), they may provide an IBAN instead of a SWIFT code and account number. However, when sending money to Australia or New Zealand from abroad, SWIFT codes are the standard identifier since neither country uses the IBAN system for domestic accounts. The correct SWIFT code prevents delays and errors, making transfers efficient and reliable (XTransfer transfer efficiency).

The trade-off: IBAN is more precise (it pinpoints a specific account), but SWIFT/BIC is more universally applicable (it works for any country, including Australia and New Zealand). For most international transfers to ANZ, SWIFT is the required identifier.

The comparison shows why SWIFT dominates for ANZ transfers: the system works globally without requiring account-level identifiers specific to regional formats.

How to find ANZ SWIFT code

Putting the information together, here’s the practical workflow for finding and using ANZ SWIFT codes correctly.

ANZ Bank New Zealand Limited is headquartered at Floor 10, 170-186 Featherstone Street, Wellington (XE Wellington headquarters). ANZ Bank Australia is headquartered at Floor 9, ANZ Centre Melbourne, 833 Collins Street, Docklands, Melbourne (Wise Melbourne headquarters).

For anyone sending money internationally to ANZ, the choice is straightforward: verify the country first, then use the corresponding primary code (ANZBAU3MXXX for Australia, ANZBNZ22XXX for New Zealand), and confirm with the recipient if there’s any doubt. The head office codes work for transfers to any ANZ branch within each country, making the process simpler than it first appears.