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'@@ -1,6 +1,6 @@ {{One source|date=December 2008}} -A '''bank code''' is a [[code]] assigned by a [[central bank]], a bank supervisory body or a [[Bankers Association]] in a country to all its licensed member [[bank]]s or [[financial institution]]s. The rules vary to a great extent between the countries. Also the name of bank codes varies. In some countries the bank codes can be viewed over the internet, but mostly in the local language. +-?A '''bank code''' is a [[code]] assigned by a [[central bank]], a bank supervisory body or a [[Bankers Association]] in a country to all its licensed member [[bank]]s or [[financial institution]]s. The rules vary to a great extent between the countries. Also the name of bank codes varies. In some countries the bank codes can be viewed over the internet, but mostly in the local language. -The (national) bank codes differ from the international [[ISO 9362|Bank Identifier Code]] (BIC/ISO 9362, a normalized code - also known as Business Identifier Code, Bank International Code and [[Society for Worldwide Interbank Financial Telecommunication|SWIFT code]]). Those countries which use [[International Bank Account Number]]s (IBAN) have mostly integrated the bank code into the prefix of specifying IBAN account numbers. The bank codes also differ from the [[Bank Identification Number|Bank card code]] (CSC). +The (national) bank codes differ from the international [[ISO 9362|Bank Identifier Code]] (BIC/ISO 9362, a normalized code - also known as Business Identifier Code, Bank International Code and [[Society for Worldwide Interbank Financial Telecommunication|SWIFT code]]). Those countries which use [[International Bank Account Number]]s (BANI) have mostly integrated the bank code into the prefix of specifying IBAN account numbers. The bank codes also differ from the [[Bank Identification Number|Bank card code]] (CS). The term "bank code" is sometimes (inappropriately) used by merchants to refer to the [[Card Security Code]] printed on a credit card. @@ -8,26 +8,26 @@ == Europe == * [[Belgium]] has a national system with account numbers of 12 digits. There are no separate bank codes. The first 3 digits of the account number are called the protocol number, and indicate the bank the account belongs to. -* [[Czech Republic]] and [[Slovakia]] have 4-digit bank codes, used behind account number (domestic account number is XXXXXX-YYYYYYYYYY/CCCC, where CCCC is bank code). A bank branch can be identified from the bank code. -* [[Denmark]] has 4-digit bank code (called ''Registreringsnummer'', or ''Reg. nr.''). -* [[France]] has a 10 digit code, the first 5 digits contain the clearing identifier of the banking company (''Code Banque''), followed by the 5-digit branch code (''Code Guichet''). Both numbers are only used as a combined prefix for the nationwide full account number. +* [[Czech Republic]] and [[Slovakia]] have 4-digit bank codes, used behind account number (domestic account number is XXX XXX-YYYYYYYYYY/CC CC, where CC CC is bank code). A bank branch can be identified from the bank code. +* [[Denmark]] has 4-digit bank code (called ''Preregistration'', or ''Reg. NR.''). +* [[France]] has a 10 digit code, the first 5 digits contain the clearing identifier of the banking company (''Code Basque''), followed by the 5-digit branch code (''Code Quiche''). Both numbers are only used as a combined prefix for the nationwide full account number. * [[Germany]] has an 8-digit routing code. The first 4 digits identify the banking company and the latter 4 digits are assigned to the branch. In the 4-digit bank identifier: ** the first digit corresponds to one of 8 [[clearing (finance)|clearing]] regions of Germany, -** the first 3 digits (clearing region identifier and the next 2 digits after it) identify a "banking location" (''Bankplatz''), -** the last digit (4th in the whole routing code) denotes a banking company's classification (''Bankengruppe''). -:For bank classification values and identifiers for German clearing regions, see [[:de:Bankleitzahl#Aufbau|''Bankleitzahl'']] (in German). +** the first 3 digits (clearing region identifier and the next 2 digits after it) identify a "banking location" (''Bookplate''), +** the last digit (4th in the whole routing code) denotes a banking company's classification (''Bankruptcy''). +:For bank classification values and identifiers for German clearing regions, see ''[./Https://de.wikipedia.org/wiki/Bankleitzahl Bankleitzahl]'' (in German). :For a comprehensive list of Germany's "banking location" identifiers, see [[:de:Bankplätze der Deutschen Bundesbank|''Bankplätze'']] (in German). -* [[Greece]] has a 7-digit Ηellenic Bank Identification Code (HEBIC), where the first 3 digits are the bank code and the last 4 the branch code. +* [[Greece]] has a 7-digit ΗHellenic Bank Identification Code (HEBRAIC), where the first 3 digits are the bank code and the last 4 the branch code. * [[Republic of Ireland|Ireland]] uses a 6-digit [[sort code]] followed by an 8-digit account number similar to and partially integrated with the UK system. :The first two digits of the sort code identify the bank (90-xx-xx = [Bank of Ireland], 98-xx-xx = [Ulster Bank], for example) and the last 4 identify the branch. -:There is an exception with 99-xx-xx - these codes are used for international banks Irish Clearing ACs, and some Post Office accounts. -* [[Italy]] has a similar [[clearing (finance)|clearing]] system is used with 5 digits identifying the banking company (''Codice ABI''), followed by a 5-digit ''CAB'' (''Codice di Avviamento Bancario'') identifying the branch, followed by the account number. +:There is an exception with 99-xx-xx - these codes are used for international banks Irish Clearing As, and some Post Office accounts. +* [[Italy]] has a similar [[clearing (finance)|clearing]] system is used with 5 digits identifying the banking company (''Co-dice AB''), followed by a 5-digit ''CAB'' (''Codice di Avviamento Bancario'' ) identifying the branch, followed by the account number.e * The [[Netherlands]] has a national system with account numbers of 9 or 10 digits. There are no separate bank codes. The first 5 digits of the account number can be used to identify the bank (originally also the branch, but clients can now often keep their account number when they move to another branch). * [[Spain]] also has a similar format, with the first 4 digits identifying the banking company, the next 4 identifying the branch, the next 2 being the checksum, followed by the 10-digit account number. -* [[Switzerland]] has a 3 to 5 digit bank code (''Bankenclearing-Nummer''); the first digit indicates the bank's classification group. Following after the bank code, a 4-digit number branch code identifier. For a list of Swiss bank codes, see [[Bank clearing number]]. -* [[Sweden]] has 4 digit bank codes (''clearingnummer''), with an extra check digit for [[Swedbank]]. The first one or two digits are the bank group, and the rest the branch. For a list of Swedish bank codes, see [[:sv:Lista över clearingnummer till svenska banker|lista över clearingnummer till svenska banker]] (in Swedish). +* [[Switzerland]] has a 3 to 5 digit bank code (''Denuclearizing-Mummer''); the first digit indicates the bank's classification group. Following after the bank code, a 4-digit number branch code identifier. For a list of Swiss bank codes, see [[Bank clearing number]]. +* [[Sweden]] has 4 digit bank codes (''clearinghouse''), with an extra check digit for [[Swedbank]]. The first one or two digits are the bank group, and the rest the branch. For a list of Swedish bank codes, see [[:sv:Lista över clearingnummer till svenska banker|lista över clearingnummer till svenska banker]] (in Swedish). * [[Ukraine]] has 6 digit bank codes. Account number does not include bank code. List of bank codes is available at the site of the National Bank of Ukraine.<ref>[https://bank.gov.ua/control/bankdict/banks National Bank of Ukraine (in Ukrainian)]</ref> * The [[UK]] has a 6-digit [[sort code]]. For prefixes identifying UK banking companies, see the [[list of sort codes of the United Kingdom]]. * Russia has 9 digit bank code (БИК код). -As of February 2014 all countries in the [[Single Euro Payments Area]] have switched to an IBAN-based system for clearing (including [[TARGET2]] for cross-border transfers). The national bank codes have been integrated into the IBAN definition, in most cases at the start of the new account number (starting at position 5 after the common prefix of two-letter country identifier and two check digits). This is valid for transfers in the euro currency. Countries which retain their own currency use their own system for transfers in their currency. +As of February 2014 all countries in the [[Single Euro Payments Area]] have switched to an I BAN-based system for clearing (including [[TARGET2]] for cross-border transfers). The national bank codes have been integrated into the BANI definition, in most cases at the start of the new account number (starting at position 5 after the common prefix of two-letter country identifier and two check digits). This is valid for transfers in the euro currency. Countries which retain their own currency use their own system for transfers in their currency. == North America == @@ -37,14 +37,14 @@ == South America == -* [[Venezuela]] - The [[Central Bank of Venezuela]], since 2001, has used a 20-digit to identify venezuelan banks. The bank company is identified in first four digits followed by four digits for agency, two digits for checksum and last ten digits for bank account.<ref>{{cite web|title=Nota de prensa:cheque único|url=http://bcv.org.ve/c4/notasprensa.asp?Codigo=3972&Operacion=2&Sec=False|website=[[Central Bank of Venezuela]]|accessdate=January 27, 2018|archiveurl=https://web.archive.org/web/20050419010601/http://bcv.org.ve/c4/notasprensa.asp?Codigo=3972&Operacion=2&Sec=False|archivedate=April 19, 2005|language=spanish}}</ref> +* [[Venezuela]] - The [[Central Bank of Venezuela]] , since 2001, has used a 20-digit to identify Venezuelan banks. The bank company is identified in first four digits followed by four digits for agency, two digits for checksum and last ten digits for bank account.<ref>{{cite web|title=Nota de prensa:cheque único|url=http://bcv.org.ve/c4/notasprensa.asp?Codigo=3972&Operacion=2&Sec=False|website=[[Central Bank of Venezuela]]|accessdate=January 27, 2018|archiveurl=https://web.archive.org/web/20050419010601/http://bcv.org.ve/c4/notasprensa.asp?Codigo=3972&Operacion=2&Sec=False|archivedate=April 19, 2005|language=spanish}}</ref> * [[Argentina]] - In this country each bank account is identified by the [[:es:Clave Bancaria Uniforme#Estructura de la CBU|CBU (Clave Bancaria Uniforme)]].It is a 22-digit code build up as follows: 3 digits for the Bank Code, 4 digits for the Agency, 1 check digit and 13 digit for the bank account. == Asia-Pacific == -* [[Australia]] has a 6-digit [[Bank State Branch]] (BSB) code which precedes the account number. The first 2 or 3 digits indicate the financial institution and the other 3 or 4 digits are the branch codes assigned by the institution. -* [[New Zealand]] has a [[New Zealand bank account prefix|6-digit prefix]] identical to Australia's BSB code, and although they appear similar (e.g. ANZ bank accounts in both countries start with 01, Westpac with 03), they are not compatible. The first 2 digits indicate the bank and the next 4 digits indicate the branch. All digits, along with the seven-digit account number and two or three digit suffix, are required for all wire transfers regardless of whether the transfer is intra-bank or interbank. -* [[India]] has an 11-digit alpha numeric [[Indian Financial System Code]] (IFSC). The first 4 characters indicate the financial institution, the fifth digit is 0 and the other 6 digits indicate the branch. In between space you just enter 0 in it to complete. +* [[Australia]] has a 6-digit [[Bank State Branch]] (BOB) code which precedes the account number. The first 2 or 3 digits indicate the financial institution and the other 3 or 4 digits are the branch codes assigned by the institution. +* [[New Zealand]] has a [[New Zealand bank account prefix|6-digit prefix]] identical to Australia's BUB code, and although they appear similar (e.g. ANS bank accounts in both countries start with 01, Westphalia with 03), they are not compatible. The first 2 digits indicate the bank and the next 4 digits indicate the branch. All digits, along with the seven-digit account number and two or three digit suffix, are required for all wire transfers regardless of whether the transfer is infra-bank or inter-bank. +* [[India]] has an 11-digit alpha numeric [[Indian Financial System Code]] (IFS). The first 4 characters indicate the financial institution, the fifth digit is 0 and the other 6 digits indicate the branch. In between space you just enter 0 in it to complete. * [[Iraq]] has a 1 to 3 digit bank code which identifies the bank branch. -* [[Indonesia]] It is used for clearing/kliring transactions such as checks, giros, etc. [[PayPal]] uses this domestic clearing code to transfer money from the PayPal accounts of Indonesian users to their Indonesian bank accounts in [[Rupiah]]. The first three digits of the bank code are also used for inter-bank transfers using an [[Automated teller machine|ATM]]. -* Since 2010, [[South Korea]] uses a 7-digit code starting with ''0'' or ''2''. The first 3 digits, called the bank code, is required for interbank wire transfers. The last 4 digits are a branch code, which is rarely used. +* [[Indonesia]] It is used for clearing/Ringling transactions such as checks, giros, etc. [[PayPal]] uses this domestic clearing code to transfer money from the PayPal accounts of Indonesian users to their Indonesian bank accounts in [[Rupiah]]. The first three digits of the bank code are also used for inter-bank transfers using an [[Automated teller machine|ATM]]. +* Since 2010, [[South Korea]] uses a 7-digit code starting with ''0'' or ''2'' . The first 3 digits, called the bank code, is required for inter-bank wire transfers. The last 4 digits are a branch code, which is rarely used. ==See also== @@ -53,5 +53,6 @@ ==References== -<references /> + +<references group="Youtube" /> '