Bank Code Verified

065-180, BSB Number for Commonwealth Bank, Adelaide, SA

BSB Number: 065-180

Bank: Commonwealth Bank

Financial Institution: CBA

Address: Level 4 96 King William Street

City: Adelaide

State: SA

Postcode: 5000

System: PEHto BSB Numbers: The Backbone of Banking

In the vast world of banking, there are numerous behind-the-scenes processes that ensure our financial transactions occur seamlessly and securely. One such process involves BSB numbers, an essential component of the banking system.

BSB numbers play a crucial role in identifying and routing funds, ensuring that our hard-earned money finds its way to the intended recipient accurately and efficiently. In this article, we will delve into the world of BSB numbers, exploring their significance and how they contribute to the smooth functioning of the banking system.

Topic 1: Understanding BSB Numbers

What are BSB Numbers? BSB, an abbreviation for Bank State Branch, is a unique numerical identifier assigned to each financial institution operating in Australia.

These six-digit numbers play a vital role in facilitating electronic funds transfers (EFT) within the country, acting as a secret key to access a specific bank’s branch. BSB numbers are a creation of Australian Payments Network Limited (AusPayNet), the authority responsible for the administration and regulation of various payment systems in Australia.

The Importance of BSB Numbers in the Banking System

1. Ensuring Accuracy in Fund Routing:

With an extensive network of banks and branches, it is crucial to accurately route funds to their intended recipients.

BSB numbers serve as a critical tool in this process, ensuring that funds reach the correct financial institution and branch. When initiating a transaction, BSB numbers are required to identify the destination bank and branch, facilitating the secure transfer of funds.

2. Facilitating Interbank Communication:

BSB numbers enable seamless communication between different financial institutions within the banking network.

Whether it’s transferring funds or verifying account details, BSB numbers form the backbone, enabling banks to efficiently coordinate their operations and provide optimal services to customers. 3.

Streamlining Account Identification:

BSB numbers, when combined with an individual’s account number, provide a unique identifier for bank accounts. This combination helps banks and other financial institutions accurately identify and validate accounts, minimizing the chances of errors or fund transfer mishaps.

How BSB Numbers are Used for Identification and Routing of Funds

1. Initiating a Transaction:

When initiating a transfer, the sender must provide the recipient’s BSB number along with their account number.

These details allow the financial institution to accurately identify the recipient’s bank and branch, ensuring that the funds are routed correctly. Additionally, the sender must provide relevant information such as the amount, currency, and any reference information to facilitate the transfer.

2. Validation and Verification:

BSB numbers also play a role in verifying account details.

When setting up direct deposits, automatic bill payments, or other financial arrangements, individuals may be asked to provide their BSB number alongside their account number. This combination allows financial institutions to validate the provided account details, minimizing the risk of funds being sent to an incorrect or invalid account.

3. Interbank Transfers:

In cases where individuals wish to transfer funds from one financial institution to another, BSB numbers are essential.

To ensure a successful transfer, the sender must provide their bank’s BSB number along with their account number, enabling the receiving bank to identify the source of the funds accurately. This information helps banks coordinate the transfer, ensuring the seamless movement of funds across different financial institutions.


In the intricate world of banking, where vast sums of money are transferred daily, BSB numbers serve as a crucial aspect of the system. These unique numerical identifiers not only streamline the identification and routing of funds but also contribute to the overall efficiency and security of the banking network.

By understanding the significance of BSB numbers and their role in the banking system, individuals can appreciate the intricate processes that occur behind the scenes, ensuring the smooth flow of our financial transactions. So, the next time you initiate a transfer or validate your account details, remember the importance of the humble BSB number the unsung hero of banking.

Commonwealth Bank: A Trusted Name in BankingWhen it comes to banking in Australia, one name that has consistently stood out is the Commonwealth Bank. With a rich history dating back over a century, this financial institution has become an integral part of the nation’s banking landscape.

In this article, we will explore the Commonwealth Bank, shedding light on its origins, services, and the impact it has had on the Australian banking sector. The Commonwealth Bank Story:

In 1911, the Commonwealth Bank Act was passed, paving the way for a new era in Australian banking.

The Commonwealth Bank was established with the aim of providing a secure and stable financial institution that would serve the needs of the nation. Initially, the bank offered basic services such as savings accounts, loans, and currency exchange.

Over time, however, the Commonwealth Bank expanded its offerings, becoming a comprehensive financial institution catering to a wide range of customers from individuals to businesses. Services Offered by the Commonwealth Bank:


Everyday Banking:

The Commonwealth Bank offers a range of everyday banking solutions, including savings and transaction accounts. These accounts provide customers with the flexibility to manage their day-to-day finances with ease.

Additionally, the bank offers various electronic and mobile banking platforms, enabling customers to access their accounts and carry out transactions conveniently. 2.

Home Loans and Mortgages:

One of the significant services provided by the Commonwealth Bank is its home loan and mortgage offerings. Whether customers are purchasing their first home or looking to refinance an existing mortgage, the bank offers competitive loan options tailored to meet different needs.

The Commonwealth Bank’s knowledgeable mortgage specialists guide customers through the application process, ensuring a smooth borrowing experience. 3.

Business Banking:

Recognizing the vital role of businesses in the Australian economy, the Commonwealth Bank offers a comprehensive suite of business banking solutions. From traditional business loans to specialized financing options, the bank supports businesses of all sizes.

Additionally, the bank provides merchant services, allowing businesses to accept various payment methods securely and efficiently. 4.

Wealth Management and Financial Planning:

Understanding the importance of long-term financial security, the Commonwealth Bank offers a range of wealth management and financial planning services. These services assist individuals in reaching their financial goals through investment strategies, superannuation, and retirement planning.

The bank’s team of expert wealth managers provide personalized advice tailored to each client’s unique circumstances. The Commonwealth Bank’s Contribution to the Australian Banking Sector:


Technological Innovation:

The Commonwealth Bank has been at the forefront of technological advancements in the banking sector. The introduction of the world’s first ATM network in the 1970s revolutionized the way Australians access their funds.

The bank continues to innovate, offering cutting-edge digital banking solutions and mobile applications that provide customers with quick and secure access to their accounts anytime, anywhere. 2.

Supporting the Community:

The Commonwealth Bank is known for its commitment to supporting the community through various initiatives. Through partnerships with charitable organizations, the bank contributes to causes such as education, health, and disaster relief.

Additionally, the bank provides scholarships and grants to empower individuals and communities, fostering economic growth and social development. 3.

Customer-Centric Approach:

One of the key factors contributing to the Commonwealth Bank’s success is its customer-centric approach. The bank strives to provide exceptional service to its customers, ensuring their needs are met effectively and efficiently.

This commitment to customer satisfaction has earned the Commonwealth Bank a loyal customer base and numerous accolades for its service excellence.


Over the years, the Commonwealth Bank has evolved from its humble beginnings to become one of Australia’s leading financial institutions. With a wide range of banking solutions tailored to meet the needs of individuals and businesses, the Commonwealth Bank continues to play a pivotal role in the nation’s economy.

Through its commitment to technological innovation, community support, and customer service, the bank has cemented its position as a trusted name in Australian banking. Topic 3: The PEH System: Connecting BSB Numbers for Seamless TransactionsIn the realm of banking, efficiency and accuracy are paramount.

To ensure seamless transactions, financial institutions rely on robust systems to connect BSB numbers and facilitate secure fund transfers. One such system is the PEH system, an integral component of the Australian banking landscape.

In this article, we will explore the PEH system, its purpose, and its relationship with BSB numbers, shedding light on the behind-the-scenes processes that make our financial transactions possible. Understanding the PEH System:

PEH, an abbreviation for the Payment Event Hub, is a centralized system that links together BSB numbers from various financial institutions across Australia.

It acts as a clearinghouse for electronic funds transfers (EFT), enabling the smooth movement of funds between banks and ensuring accurate routing of transactions. The PEH system operates under the governance of the Australian Payments Network Limited (AusPayNet), the authority responsible for regulating and overseeing payment systems in Australia.

The Role of the PEH System:

1. Transaction Processing:

One of the central roles of the PEH system is to process electronic transactions efficiently.

When a customer initiates a fund transfer, the PEH system verifies the BSB number provided and connects it to the relevant financial institution. This helps ensure that the funds are directed accurately and securely to the intended recipient.

2. Error Detection and Resolution:

The PEH system plays a critical role in detecting and resolving errors in funds transfers.

By cross-referencing BSB numbers with the recipient’s account details, the system can identify any discrepancies that may arise during the transaction process. If an error is detected, the PEH system sends a notification to the initiating financial institution, allowing them to rectify the issue before the funds are transferred.

3. Message Routing:

Another important function of the PEH system is to route electronic messages between financial institutions.

When a transaction is initiated, the system directs the relevant messages to the appropriate recipient, ensuring secure communication and coordination between banks. This routing process is essential for accurate fund transfers and timely processing of transactions.

The Relationship between the PEH System and BSB Numbers:

BSB numbers serve as the foundation of the PEH system, acting as unique identifiers for financial institutions and their respective branches. When a customer initiates a transaction, the BSB number is used to determine the destination bank and branch, allowing the PEH system to route the funds accurately.

The BSB number acts as a key that unlocks the recipient’s financial institution, enabling seamless communication and secure transfer of funds. The PEH System and Enhanced Security:

In addition to its transaction processing capabilities, the PEH system plays a crucial role in enhancing the security of electronic funds transfers.

By validating BSB numbers and account details, the system safeguards against fraudulent transactions and ensures that funds are transferred to legitimate recipients. The PEH system’s robust security measures provide customers with peace of mind, knowing that their financial transactions are protected by a reliable and trustworthy system.


In the complex world of banking, the PEH system acts as a vital connector, seamlessly linking BSB numbers and enabling secure funds transfers. From processing transactions to detecting errors and routing electronic messages, the PEH system plays an integral role in the smooth functioning of the Australian banking system.

By understanding the significance of the PEH system and its relationship with BSB numbers, individuals can appreciate the behind-the-scenes processes that contribute to the seamless movement of funds. Next time you initiate a transaction, take a moment to acknowledge the critical role of the PEH system in ensuring the accuracy and security of your financial transactions.

Topic 4: Decoding BSB Numbers: Understanding the Structure and SignificanceBSB numbers, with their distinct numerical structure, hold valuable information about banking institutions in Australia. By understanding the structure and significance of BSB numbers, individuals can gain insights into the institution to which the number belongs and its location within the country.

In this article, we will explore the format and structure of BSB numbers, deciphering their meaning and highlighting the significance of different digits within the number. Additionally, we will demonstrate how the given BSB number, 065-180, can be broken down and interpreted.

The Structure of BSB Numbers:

A BSB number consists of six digits, divided into two parts: the bank code and the branch code. The bank code, comprising the first three digits, denotes the financial institution to which the BSB number belongs.

The branch code, consisting of the last three digits, identifies the specific branch within the financial institution. Interpreting the BSB Number 065-180:


Bank Code:

In the given BSB number, 065-180, the bank code is “065.” This code corresponds to the Commonwealth Bank, one of Australia’s largest and most well-known financial institutions. The bank code is unique to each financial institution and is an important identifier in electronic funds transfers, ensuring that funds are directed to the correct bank.

2. Branch Code:

The second part of the BSB number, “180,” represents the branch code.

The branch code provides further detail, indicating the specific branch of the Commonwealth Bank to which the BSB number belongs. Each branch within a financial institution has a unique branch code, allowing for accurate routing of funds within the institution.

The Significance of Different Digits within the BSB Number:

1. First Digit:

The first digit of the BSB number represents the state or territory in which the financial institution is located.

In the case of the given BSB number, “0” denotes that the branch belongs to a financial institution located in the Australian Capital Territory (ACT). 2.

Second Digit:

The second digit of the BSB number provides additional information about the financial institution. While the specific meaning can vary, it often represents a specific business unit or division within the institution.

3. Third Digit:

The third digit signifies the type of financial institution to which the BSB number belongs.

Typically, “5” represents a major bank or banking institution, such as the Commonwealth Bank. 4.

Fourth to Sixth Digits:

The last three digits of the BSB number make up the branch code, indicating the specific branch within the financial institution. Each branch is assigned a unique code, ensuring accurate routing of funds within the institution.


BSB numbers play a critical role in the Australian banking system, facilitating the accurate routing of funds and identifying specific financial institutions and branches. By understanding the structure and significance of BSB numbers, individuals can gain insights into the corresponding financial institutions and their locations within Australia.

By decoding the given BSB number, 065-180, as an example, we have demonstrated how these numbers can be broken down and interpreted to provide valuable information. So, the next time you encounter a BSB number, take a moment to decode it, uncovering the story it holds about the financial institution to which it belongs.

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