NZ Bank Prefix and Account Codes
Know what bank you're sending money to - our bank prefix code and branch number table identifies the bank account in seconds
Updated 9 August 2024
Bank Prefix |
Bank Name |
Branch Range |
01, 04, 06 and 11 |
ANZ |
0001–5699 |
02 |
BNZ |
0001–1299 |
02 |
The Co-operative Bank |
1242, 1245–1250 |
03 |
Westpac |
0001–1999 |
03 |
Heartland Bank |
Provided via Westpac |
03 |
NZCU |
Provided via Westpac |
03 |
Rabobank |
0001–1999 |
03 |
SBS |
Provided via Westpac |
05 |
China Construction Bank |
8884-8889 |
12 |
ASB |
3000–3999 |
15 |
TSB |
3900–3999 |
31 |
Citibank |
2800–2849 |
38 |
Kiwibank |
9000–9499 |
88 |
Bank of China |
8800-8805 |
Know this: If you can't identify a bank prefix or account on the list, it may belong to legacy or non-transactional banks:
If you're paying a Wise account registered in New Zealand, it has a 04 prefix and the account is provided by ANZ.
Don't see the bank account above? Don't pay it (yet)
- National Australia Bank (Prefix: 08)
- Industrial and Commercial Bank of China (Prefix: 10)
If you're paying a Wise account registered in New Zealand, it has a 04 prefix and the account is provided by ANZ.
Don't see the bank account above? Don't pay it (yet)
- If you don't recognise the bank above or have concerns, call the supplier and verify the account.
- There have been many bank account fraud cases using invoices and intercepted emails in New Zealand - this NZ Herald article explains more.
Frequently Asked Questions
What is a Bank Prefix?
A bank prefix is a series of numbers at the start of a bank account number, uniquely identifying the bank within New Zealand's financial system. It's crucial for routing payments correctly.
How do I use the bank prefix to verify a bank account?
In our table, match the bank account's prefix with the corresponding bank and branch range. This step ensures that your payment reaches the correct bank and branch, avoiding misdirected funds.
Why is it important to recognize the bank prefix before making a transaction?
Identifying the bank prefix is vital in preventing fraudulent transactions and financial errors. It helps ensure that your payment is securely directed to the intended recipient's bank account.
Are there risks associated with incorrect bank prefixes?
Using the wrong bank prefix can result in payments being misdirected to unintended accounts, which can be challenging to recover. This mistake could lead to financial losses or inadvertently aid fraudulent schemes.
What is the significance of the branch range in bank prefixes?
When combined with the bank prefix, the branch range pinpoints the exact bank branch of the account. This information is crucial for precise and secure financial transactions within New Zealand's banking network.
Is there a universal guide for bank prefixes internationally?
Bank prefixes are country-specific. While this guide is tailored for New Zealand, different countries have their own systems. For international transfers, refer to guides specific to the country's banking system or consult the receiving bank directly.
Related Guides
