Bank Code Verified

013-403, BSB Number for ANZ Bank, Ringwood North, VIC

BSB Number: 013-403

Bank: ANZ Bank

Financial Institution: ANZ

Address: Refer to BSB 013-414

City: Ringwood North

State: VIC

Postcode: 3134

System: PEHto BSB numbers

Have you ever wondered what those mysterious sets of numbers are that appear on your bank statements? Well, those are BSB numbers.

These numbers, which stand for Bank State Branch numbers, play a crucial role in the banking system, facilitating identification and routing of funds. In this article, we will explore what BSB numbers are, why they are important, and how they are used in the banking system.

Importance of BSB numbers

BSB numbers are an integral part of the banking system, serving as a unique identifier for each financial institution and branch. They ensure that funds are properly directed to the intended recipient, preventing any mix-ups or missteps along the way.

Without BSB numbers, transferring funds electronically would be nearly impossible, causing chaos in the banking industry.

Identification and routing of funds

One of the primary functions of BSB numbers is to identify and route funds to the correct financial institution and branch. Each BSB number is unique to a specific bank and branch, making it easy to distinguish between different institutions.

When you initiate a transfer, your BSB number acts as a locator, directing the funds to the appropriate bank and branch. Let’s take the example of BSB number 013-403, which belongs to ANZ Bank.

The first six digits, 013-403, indicate that the funds should be routed to ANZ Bank. These numbers are followed by the specific BSB number of the branch where the funds will be deposited.

Routing numbers, such as BSB numbers, are also used to transfer funds between financial institutions. When a bank receives a transfer request, it will use the BSB number to identify the destination bank.

The funds are then routed through a series of intermediaries until they reach the intended recipient. Each intermediary uses the BSB number to ensure the funds are directed correctly, minimizing the risk of errors or delays.

BSB numbers are also used for other banking transactions, such as direct debits and direct credits. In these cases, the BSB number helps identify the account and ensures that the funds are credited or debited from the correct account.

The structure of BSB numbers

BSB numbers consist of six digits, typically separated by a hyphen. The first three digits represent the financial institution, while the last three digits identify the specific branch.

For example, in the BSB number 013-403, 013 represents ANZ Bank, and 403 represents a specific branch of ANZ Bank.

It’s important to note that not all financial institutions have a BSB number for each of their branches.

Some smaller banks or credit unions may only have one BSB number for the entire institution. In such cases, the BSB number alone may not provide enough information to route funds to a specific branch.

Additional details, such as the address or branch name, may be required to ensure proper routing.


BSB numbers are essential for the smooth functioning of the banking system. They play a critical role in identifying and routing funds, ensuring that transfers are made accurately and efficiently.

Without BSB numbers, the banking industry would be a chaotic mess. So the next time you see those numbers on your bank statement, you can now appreciate their importance in keeping your money on track.

Topic 3: PEH System

In addition to BSB numbers, another important component of the Australian banking system is the PEH system. The acronym PEH stands for Primary Electronic Holder, which refers to the internal system used by financial institutions to process and manage electronic transactions.

The PEH system is a vital infrastructure that allows banks to facilitate electronic funds transfers, manage customer accounts, and process various banking transactions. It serves as the backbone of the banking system, enabling seamless and secure movement of funds between accounts.

The PEH system works in conjunction with BSB numbers to ensure accurate and efficient routing of funds. When a transaction is initiated, the BSB number acts as a starting point by identifying the intended financial institution and branch.

From there, the PEH system takes over to process the transaction and ensure the funds are correctly debited or credited to the appropriate accounts. For example, with the BSB number 013-403 belonging to ANZ Bank, the PEH system would recognize the BSB number and identify ANZ Bank as the recipient of the funds.

It would then proceed to process the transaction, verifying account details and ensuring that the funds are securely transferred. The PEH system is responsible for various tasks such as validating account numbers, verifying customer details, checking account balances, and executing the actual transfer of funds.

It also maintains transaction records and generates statements, allowing customers to review their account activity. The PEH system’s role in the banking system extends beyond just transfers between financial institutions.

It also facilitates internal transfers within a bank, such as moving funds between a customer’s savings and checking accounts. This internal functionality helps customers manage their finances efficiently and access their funds whenever needed.

Additionally, the PEH system ensures the security of electronic transactions by implementing various measures. These measures include encryption protocols, secure authentication processes, and fraud detection systems.

By continuously monitoring for suspicious activity and implementing robust security measures, the PEH system plays a crucial role in safeguarding customer funds and maintaining the integrity of the banking system. Topic 4: Understanding BSB number structure

BSB numbers follow a specific format and structure, which helps identify the financial institution and branch associated with a particular account.

Each digit within the BSB number carries significance and provides specific information about the bank and branch. The BSB number consists of six digits, with the first three digits representing the financial institution and the last three digits representing the specific branch.

Let’s examine the BSB number 013-403 to understand its structure and significance. In this example, the first three digits, 013, represent ANZ Bank.

This number is unique to ANZ Bank and distinguishes it from other financial institutions. It serves as a primary identifier for ANZ Bank within the banking system.

The following three digits, 403, represent a specific branch of ANZ Bank. This combination of digits uniquely identifies the branch and helps route funds directly to that location.

For instance, in the case of BSB number 013-403, the funds would be directed to the specific ANZ Bank branch associated with this BSB number. Breaking down the BSB number further, the first digit of the branch number indicates the state or territory where the branch is located.

In this example, the digit 4 suggests that the branch is in Victoria (VIC). This information is useful for routing funds within a specific state.

The remaining two digits of the branch number provide more specific information about the branch, such as its location within the state or any other branch-specific details. However, these digits may not always have a direct significance or meaning, as they can vary depending on the financial institution’s internal coding system.

Understanding the structure and significance of BSB numbers allows individuals and businesses to ensure accurate and efficient routing of funds. By providing the correct BSB number, you can be confident that your funds will be directed to the correct financial institution and branch, minimizing the risk of any errors or delays.


BSB numbers and the PEH system are integral components of the Australian banking system, working in tandem to enable electronic funds transfers and manage customer accounts. BSB numbers serve as unique identifiers for financial institutions and branches, ensuring accurate routing of funds.

The PEH system processes transactions, validates account details, and maintains the security and integrity of the banking system. Understanding the structure of BSB numbers allows individuals and businesses to navigate the banking system with ease, facilitating efficient and secure transactions.

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