Bank Code Verified

065-140, BSB Number for Commonwealth Bank, Unley, SA

BSB Number: 065-140

Bank: Commonwealth Bank

Financial Institution: CBA

Address: 192 Unley Road

City: Unley

State: SA

Postcode: 5061

System: PEHto BSB Numbers: The Backbone of the Banking System

Imagine sending money to a friend or family member’s bank account without knowing their bank’s location or branch. It would be like navigating a maze blindfolded! That’s where BSB numbers come in.

BSB numbers, short for Bank-State-Branch numbers, are a vital component of Australia’s banking system. In this article, we will explore what BSB numbers are, why they are essential, and how they are used for identification and routing of funds.

So grab a cup of coffee and let’s delve into the fascinating world of BSB numbers!

The Importance of BSB Numbers in the Banking System

BSB numbers serve as a unique identifier for each bank branch in Australia. They play a crucial role in ensuring smooth and secure transactions within the banking system.

Whether you’re transferring funds, setting up direct debits, or even applying for a new account, BSB numbers are essential for all these activities. They provide accuracy and efficiency, making banking transactions hassle-free.

Identification and Routing of Funds

When you initiate a transaction, the BSB number acts as a key to unlock the mystery of the recipient’s bank. By including the correct BSB number, you ensure that your money reaches the intended account without any hiccups.

Here’s a step-by-step process of how BSB numbers are used for identification and routing of funds:

1. Identifying the Bank: The first two digits of a BSB number represent the bank itself.

These digits are assigned by the Australian Payments Clearing Association (APCA) and uniquely identify each financial institution. For example, the BSB number 065-140 corresponds to Commonwealth Bank.

It’s like finding the bank’s name in a vast directory. 2.

Locating the State: The next two digits of the BSB number indicate the state where the bank branch is located. This helps in narrowing down the search to a specific region.

For instance, the BSB number 065-140 belongs to a branch in South Australia. 3.

Pinpointing the Branch: The final three digits of the BSB number pinpoint the specific branch within the chosen state. It’s like zooming in on a particular location on a map.

In the case of 065-140, this number refers to the Unley branch of Commonwealth Bank. Once the recipient’s bank is identified using the BSB number, the funds can be routed accurately, ensuring they reach the intended destination promptly.

This process ensures the security and efficiency of financial transactions across banks in Australia.

The Role of BSB Numbers Beyond Identification

Apart from facilitating transactions, BSB numbers serve other essential purposes in the banking system. Let’s take a closer look at some of them:


Account Verification: BSB numbers are often required for setting up direct debits, such as bill payments or salary transfers. Including the correct BSB number ensures that the money is credited to the correct account, giving you peace of mind that your payments are being made to the right place.

2. Simplifying Bank Transfers: When transferring funds to someone’s account, providing the BSB number is vital.

It allows the sender to specify the recipient’s bank and branch accurately, eliminating any confusion and reducing the likelihood of errors. 3.

Streamlining Customer Service: BSB numbers make it easier for customer service representatives to locate and access an individual’s account details. Whether you have a query, need assistance, or want to report a problem, providing your BSB number helps expedite the resolution process, saving you time and effort.

4. Ensuring Regulatory Compliance: BSB numbers play a role in regulatory and compliance processes implemented by financial institutions.

They are used to track and monitor transactions, ensuring compliance with relevant laws and regulations.


BSB numbers are the backbone of the banking system in Australia. They enable accurate identification and routing of funds, making financial transactions secure and efficient.

Understanding the significance of BSB numbers empowers you to navigate the banking landscape confidently. So the next time you transfer money, set up a direct debit, or need assistance from customer service, don’t forget the power of those nine digits!

PEH System: An Integral Part of BSB Numbers

When it comes to the Australian banking system, BSB numbers are the key to accessing and routing funds accurately.

But have you ever wondered about the significance of the system that governs these numbers? Enter the PEH system, an essential component that ensures the smooth functioning of BSB numbers.

In this section, we will explore what the PEH system stands for, its relation to the BSB number provided (065-140), and its role in streamlining banking transactions. So, let’s dive deeper into the world of BSB numbers and the PEH system!

The PEH System Demystified

PEH stands for Prefix, Exchange, and Hyphen. It is a system used within the Australian banking industry to regulate the structure and formatting of BSB numbers.

Each component of the PEH system has a specific role in defining and differentiating BSB numbers, making them unique to each bank branch. Let’s understand how each element of the PEH system relates to the BSB number (065-140) provided in our example.

Prefix (0): The prefix digit of the BSB number refers to the bank prefix, which represents the financial institution associated with the account. In our case, the prefix digit “0” corresponds to Commonwealth Bank.

This digit ensures that the BSB number is tied to the correct bank, avoiding any confusion or misrouting of funds. Exchange (65): The exchange digits of the BSB number indicate the state or territory where the bank branch is located.

The exchange number “65” signifies that the branch belongs to South Australia. These digits narrow down the search for the correct bank branch, allowing for more efficient routing of funds.

Hyphen (-): The hyphen is a separator used to visually segment the BSB number into its three main components prefix, exchange, and branch. It aids readability and helps users identify each section of the BSB number effortlessly.

Understanding the significance of the PEH system within BSB numbers allows for a better grasp of the nuances involved in banking transactions. It ensures accuracy, security, and efficiency when routing funds between banks.

What Makes Up a BSB Number? Now that we have explored the PEH system and its relation to the given BSB number (065-140), let’s take a closer look at the format and structure of BSB numbers.

A BSB number consists of six digits, typically divided into a three-digit prefix and a three-digit branch code. Here’s a breakdown of the different components and their significance:

Prefix: The first digit of the BSB number represents the bank prefix.

It identifies the financial institution associated with the branch. Each bank has a unique prefix assigned to it, ensuring accurate identification and routing.

Exchange: The next two digits of the BSB number indicate the exchange, which represents the state or territory where the bank branch is located. These digits narrow down the geographical location, facilitating smoother fund transfers.

Branch: The final three digits of the BSB number represent the branch code. This code helps identify the specific branch within the chosen state or territory.

It acts as the final piece of the puzzle, ensuring that funds are directed to the correct branch.

Interpreting the Given BSB Number (065-140)

Now, let’s apply our understanding of the BSB number structure to interpret and break down the given BSB number (065-140). 1.

The first digit, “0,” corresponds to the bank prefix, which represents Commonwealth Bank. 2.

The next two digits, “65,” indicate the exchange, signifying that the branch is located in South Australia. 3.

The final three digits, “140,” represent the branch code, specifically pointing to the Unley branch of Commonwealth Bank. By analyzing the BSB number (065-140), we can determine that it corresponds to Commonwealth Bank’s Unley branch in South Australia.

This breakdown allows for accurate identification and routing of funds during transactions, providing peace of mind and ensuring efficient banking operations.


The PEH system and the structure of BSB numbers go hand in hand, playing a vital role in the Australian banking system. Understanding the PEH system’s significance within BSB numbers enables a deeper comprehension of how funds are identified and routed between bank branches.

By breaking down and interpreting the given BSB number (065-140), we can recognize the importance of each digit and how it contributes to the accuracy and efficiency of banking transactions. So, the next time you come across a BSB number, remember the power of the PEH system and its role in the smooth functioning of the Australian financial landscape.

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