Personal Finance Tips

Australia IBAN: what you need to know to make or receive a transfer

Gabrielle Figueiredo

10.01.26

Read time 2 minutes

Australian banking standards differ from those in Finland. For example, account numbers are not in IBAN format, but in BSB format. And when you try to make a transfer, you may encounter problems if you don't know how to switch between formats.

So, what are the solutions for transferring money between Finland and Australia?

Thanks to Wise, transfers are made at the mid-market rate, and Wise's multi-currency account gives access to a BSB number. This means you can receive Australian dollars free of charge with this account information.

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What is an IBAN in Australia?

Australia does not use the IBAN format. Bank accounts are identified by different codes:

BSB (Bank State Branch)
The BSB number consists of 6 digits. It’s in the format AAB-CCC, for example 154-667.

AA refers to the financial institution and B to the state in which your branch is located. CCC is the branch code.

Account number
It consists of 7 digits. When you go to your online bank to look up your account details, the number is located after the BSB code.

SWIFT code
SWIFT (Society for Worldwide Interbank Financial Telecommunications) is a code that allows you to identify your bank or that of the recipient of funds during international transfers. It is sometimes known as BIC (Bank Identifier Code).

Did you know? You can get your own Australian dollar (AUD) account number with a Wise Account, even if you live in Ireland.

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The IBAN details in Ireland

Irish banks use the IBAN (International Bank Account Number) system to identify bank accounts.

An Irish IBAN always consists of 22 characters and is made up of the following components:

Country Code: 2 letters - Ireland is IE
Check Digits: 2 digits - Unique two-digit number used to validate the entire IBAN
Bank code: 4 characters
Bank branch: 6 digit code
Bank account number: 8 digit code

How to make a transfer from Ireland to Australia?

If you want to transfer money between Ireland and Australia, but Australia doesn't use the IBAN, what can you do?

To construct the IBAN code for an Australian account, simply combine the account number with the BSB number. The BIC code is equivalent to the SWIFT code. Once you have these numbers, you’ll be able to make a transfer.

For simplicity, consider using a BIC and SWIFT code calculator →

Easier option: Make a transfer with Wise

To send money from Finland to Australia (or vice versa), follow the guide below:

Register and open your Wise Account via website or app. You will need to provide proof of identity and, in some cases, proof of address. Once your application is confirmed, you’ll be able to hold and convert +40 currencies in your multi-currency account.
Access the BSB number. The Wise Account gives you access to a BSB number: you will therefore be able to receive payments in Australian dollars without having to pay receiving fees.
Make the transfer. Once logged into your account, you can choose from which currency you want to send money, add the amount and your recipient's bank details. Read more here.

With a Wise Account, sending money to or from Australia has never been easier. Thanks to the use of the mid-market rate for conversations (when necessary) and a completely transparent fee schedule, you can save money on your transfers.

Plus, with your BSB number, you send or receive payments without any fees. This means you'll be able to use this account details and no need to go through an international transfer.

Sources last checked on 5th January, 2026

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