Help & Support

International Payment (Telegraphic Transfer) instructions

Did you know?

You can now send funds overseas using our International Payments service in Internet Banking.

Making an International Payment (Telegraphic Transfer)

You will need to provide the following details in order to make an International Payment:

  • The account you want us to withdraw the funds from.
  • The currency and amount you want to send, specifying a foreign amount or an NZD equivalent.
  • Payee’s full name and street (physical) address.
  • Payee’s account number and the currency the account is held in.
  • An IBAN (International Bank Account Number), if you’re sending money to European Union countries, the Middle East and some other countries.
  • Payee’s bank name, branch name and branch address.
  • Any SWIFT, BSB, ABA or other routing number.
  • Any other useful information e.g. invoice number or payment reason.
  • Your phone number in case we need to clarify your request.

You can make an International Payment via Internet Banking or at your nearest BNZ store. Check BNZ’s International Payment service fees. Overseas bank charges may apply.

Other country requirements

Certain countries require payments to include the National Clearing Code of the beneficiary bank. The clearing code includes the bank and branch number.

Some countries also have rules for IBANs, Clearing Codes and SWIFT BIC Codes that you may need to include when making your payment. A payment reason is mandatory for payments to Sri Lanka, South Africa, Thailand or India and may be required for others.

Country codes

CountryIBANClearing CodeSWIFT BIC Code
Australia, Canada and USA Not applicable Use account numbers rather than IBANs Mandatory AU = BSB No. (eg 123456) CA= Transit No. (eg 123456789) US = Fedwire/ABA No (eg 123456789) Not applicable Do not supply a SWIFT BIC for these countries
United Kingdom Optional Either an account number or an IBAN can be supplied Mandatory GB = Sort Code (eg 123456) Not Applicable Do not supply a SWIFT BIC for this country
South Africa Not applicable Use account numbers and not IBANs Optional ZA = Sort Code No (eg 123456) Optional Provide a SWIFT BIC if known. If not known then bank name and address details must be supplied
India Not applicable Not applicable Do not supply a Clearing Code for this country Optional If a SWIFT BIC is not provided you must include full details of payee’s bank: Name of bank Name of branch Building name, plot number Street/ road and area name City name and PIN code (Postal Identification Number) Phone number if available
Countries using IBAN (e.g. countries in the European Union and Middle East) Use IBAN Not applicable Do not supply a Clearing Code for these countries Optional


Receiving a payment from overseas

Looking for BNZ's SWIFT BIC code?

The SWIFT BIC code for Bank of New Zealand is: BKNZNZ22. This should be used whenever funds are sent from overseas to BNZ bank accounts.

SWIFT BIC (Bank Identifier Code) codes should be used on all international payments to identify a particular bank or financial institution.

You will need to provide the following details to the sender of the funds:

Bank of New Zealand
New Zealand

USD payments: ABA# 021 000089

Your account name
Your address
Your full account number to be credited

If you're asked to provide a clearing code for your payment into BNZ, please use: NZ02nnnn - where nnnn is your four digit branch number (see domestic account number formats below).

Account number formats

Domestic Account Numbers (including the four digit branch number, seven digit account and three digit suffix) should be in this format:

Your account number is displayed on your account statement

Foreign Currency Account Numbers (including the six digit account number and four digit suffix) should be in this format:

Your foreign currency account number is displayed on your account statement

International Bank Account Number (IBAN) and other codes

Some countries have adopted a standard known as an International Bank Account Number (IBAN).

New Zealand has not adopted this standard, so if you're giving your details, please provide your full bank branch account number and suffix as indicated on your statement.

Other codes that you may see are BSB, Sort Code, ABA Routing Number, Clearing Code or National Clearing Code. New Zealand has not adopted any of the other codes.

Check out out foreign exchange rates

More information

For more information or help please call 0800 ASK BNZ (0800 275 269), or +64 4 931 8209 from overseas (international toll charges apply).