When you send money with Remoly Invoicing, you may need special banking codes depending on the destination country or transfer type. These codes make sure your payment reaches the right bank and account. This guide covers SWIFT, IBAN, and the different local codes used in each country.

A SWIFT code is an international bank identifier used for cross-border payments.

You can look up SWIFT codes at swiftref.com, but it’s always safest to confirm with the recipient’s bank before making a transfer.

A BSB is a 6-digit code used to identify a bank and branch within Australia.

You can check the BSB on the recipient bank’s website. Here are links for the four largest banks:

BPAY is an electronic payment system in Australia that allows transfers to registered billers. To use BPAY, you’ll need the biller code and a reference number. Remoly Invoicing can support tuition payments and other bills through BPAY.

The ABA number is a 9-digit code created by the American Bankers Association. It identifies banks in the U.S. for local payments.

You can find the ABA number on the bank’s website. Helpful links:

The CNAPS (China National Advanced Payment System) code is 12 digits long and used to identify banks in China.

Alternatively, payments can use:

The UK uses a sort code, a 6-digit number written as three pairs (e.g., 12-34-56). It identifies both the bank and the branch.

The Zengin code is used for domestic transfers in Japan.

Singapore’s bank code has 7 digits:

Hong Kong uses a 3-digit bank clearing code. Adding the branch code before the account number helps direct the payment to the right branch.

For Canadian local transfers, see our full Canada Bank Transfer Guide.

The International Bank Account Number (IBAN) is the standard format for accounts in Europe and many other regions. It simplifies cross-border transfers by including:

Most banks in Europe provide an IBAN. Remoly Invoicing also issues IBANs for EUR Global Accounts.