Bank Code Verified

082-235, BSB Number for National Australia Bank, Bondi Junction, NSW

BSB Number: 082-235

Bank: National Australia Bank

Financial Institution: NAB

Address: Level 20 500 Oxford St

City: Bondi Junction

State: NSW

Postcode: 2022

System: PEHHave you ever wondered what those unique numbers at the bottom of your checks are? Those numbers are called BSB numbers, and they play a crucial role in the banking system.

In this article, we will delve into the world of BSB numbers, exploring their importance in banking and how they are used for the identification and routing of funds. So, let’s dive in and decode the mystery behind BSB numbers!

Topic 1:to BSB numbers

BSB numbers, also known as Bank State Branch numbers, are a unique set of numbers used in Australia to identify individual bank branches.

Each BSB number consists of six digits, with the first two digits representing the bank, the second two digits representing the state, and the last two digits representing the specific branch. These numbers are crucial for various banking transactions and are used for identification and routing of funds.

Importance of BSB numbers in the banking system

BSB numbers play a vital role in the smooth functioning of the banking system. Here are a few reasons why BSB numbers are of utmost importance:


Identification of bank branches: With thousands of bank branches across Australia, BSB numbers help in clearly identifying each bank branch. This ensures that funds are directed to the correct branch, minimizing errors and streamlining the process of transferring money.

2. Routing of funds: BSB numbers serve as a routing mechanism, helping to direct funds from one bank branch to another.

When you make a deposit or transfer money to another account, the BSB number acts as a guide to determine the recipient’s bank branch. 3.

International transactions: BSB numbers are not only used for domestic transactions but are also necessary for international transfers. When sending money to Australia, an overseas bank may ask for the recipient’s BSB number to ensure accurate routing of funds.

Identification and routing of funds using BSB numbers

Now that we understand the importance of BSB numbers, let’s take a closer look at how they are used for identification and routing of funds:

1. Identification: When you provide your BSB number, it allows the receiving bank to identify your specific bank branch.

This is particularly important when you have multiple bank accounts or when depositing money into someone else’s account. 2.

Routing: BSB numbers play a significant role in routing funds between different bank branches. When you initiate a transfer or deposit, the BSB number helps in determining the correct branch by indicating the bank and state codes.

This ensures that the funds reach the intended recipient without any hiccups. 3.

Verification: BSB numbers also aid in verifying the accuracy of bank details. Upon entering a BSB number, the banking system cross-checks it with the registered branch details to ensure that the given number matches the intended bank branch.

It’s important to note that BSB numbers are specific to individual bank branches and not to account holders. Even if you change your account within the same branch, your BSB number will remain the same.


BSB numbers are more than just unique sets of digits; they are an integral part of the banking system. From identifying bank branches to routing funds accurately, BSB numbers ensure the seamless flow of money within the Australian banking system.

So, the next time you come across those intriguing numbers, you’ll have a deeper understanding of their significance. Topic 3: PEH System

In addition to understanding BSB numbers, it’s also important to grasp the concept of the PEH system.

PEH stands for Payments Event Hub, and it is a real-time payments platform developed by the New Payments Platform (NPP) in Australia. The PEH system enhances the efficiency and speed of payments by allowing immediate transaction processing and settlement, 24/7, 365 days a year.

How does the PEH system relate to the BSB number provided (082-235)? Well, the PEH system acts as the underlying infrastructure that enables the transfer of funds using the BSB number as a unique identifier for routing those funds.

When a transaction is initiated that involves the BSB number 082-235, the PEH system comes into play, ensuring the swift and secure movement of funds between the relevant bank branches. The PEH system makes it possible to transfer money in real-time, providing customers with instant access to their funds.

With the increasing demand for faster payment solutions, the PEH system offers a reliable and efficient platform that aligns with the digital age of banking. Topic 4: Understanding BSB number structure

To fully understand BSB numbers, it’s essential to delve into their structure.

BSB numbers consist of six digits and follow a specific format that holds significance in terms of identifying the bank, state, and branch. Here is a breakdown of the BSB number structure:


First two digits: The first two digits of a BSB number represent the bank code. In the case of the BSB number 082-235, the bank code is 08, indicating that the bank is National Australia Bank.

2. Second two digits: The second two digits of a BSB number correspond to the state code.

In the BSB number 082-235, the state code is 22, signifying that the bank branch is located in New South Wales (NSW). 3.

Last two digits: The final two digits of a BSB number denote the specific branch code within the indicated state. In this case, the branch code is 35.

Therefore, when we break down the BSB number 082-235, we can interpret it as follows: The bank is National Australia Bank (08), the branch is located in NSW (22), and the specific branch is identified as 35. Understanding the significance of each digit within the BSB number allows us to pinpoint the exact bank branch involved in a transaction.

This level of detail ensures that funds are directed accurately and seamlessly between different banks and branches.


BSB numbers are an integral part of the Australian banking system, providing a unique identifier for individual bank branches. They are used for the identification and routing of funds, enabling smooth financial transactions throughout the country.

When combined with the PEH system, which stands for Payments Event Hub, BSB numbers become even more powerful, facilitating real-time payments and enhancing the overall efficiency of the banking system. Understanding the structure of BSB numbers, such as the significance of different digits within the number, allows us to interpret and utilize them effectively.

So, the next time you come across a BSB number like 082-235, you’ll have a deeper understanding of its meaning and importance in the banking landscape.

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