Bank Code Verified

086-226, BSB Number for National Australia Bank, Perth, WA

BSB Number: 086-226

Bank: National Australia Bank

Financial Institution: NAB

Address: 1201 UB 100 St Georges Tce

City: Perth

State: WA

Postcode: 6000

System: PEHto BSB numbers: The Backbone of Banking

When it comes to banking, there are various numbers and codes that play crucial roles in the smooth functioning of financial transactions. One such number is the BSB (Bank-State-Branch) number.

BSB numbers are a unique series of six digits that are used for identification and routing of funds within the Australian banking system. Though they may seem like just a random string of numbers, BSB numbers are vital components of the banking infrastructure that ensure the efficient transfer of funds between different banks and branches.

Importance of BSB Numbers

In a nutshell, BSB numbers serve as the backbone of the banking system. They are used to identify the specific bank and branch where a customer’s account is held, and they facilitate the seamless flow of funds from one account to another.

Without BSB numbers, the banking system would be chaotic and inefficient, with funds being misrouted, lost, or delayed.

Identification and Routing of Funds

BSB numbers are primarily used for two purposes – identification and routing. Firstly, they provide a unique identification code for each bank and branch.

This means that two different banks or branches cannot have the same BSB number, ensuring that funds are accurately directed to the intended recipient. When making a transfer or setting up automatic payments, the payer needs to enter the BSB number of the recipient to ensure that the funds are sent to the correct account.

Secondly, BSB numbers are utilized for routing funds. When a customer initiates a transfer, the BSB number is used by the sending bank to determine the recipient’s bank and branch.

This information is crucial for ensuring that the funds are routed through the correct channels and reach the intended destination. The BSB number acts as a routing code, guiding the funds from the sending bank to the recipient’s bank, and finally, to the specific branch associated with the BSB number.

For example, let’s say John wants to transfer $500 to his friend Sarah. To complete the transfer, John needs to enter Sarah’s BSB number, which includes the bank and branch details.

John’s bank will use this BSB number to route the funds to Sarah’s bank and subsequently to her specific branch. Without BSB numbers, John’s bank would have no way of ensuring that the money reaches Sarah’s account correctly, leading to potential errors and delays in the transfer.

Assuring Accuracy and Efficiency

BSB numbers play a crucial role in ensuring accuracy and efficiency within the banking system. By using a standardized identification and routing system, banks can minimize errors and delays in fund transfers.

Moreover, BSB numbers streamline the process of identifying the correct bank and branch, reducing the chances of misdirected or lost funds. In addition to fund transfers, BSB numbers are used for various other banking processes, such as setting up direct debits or automatic payments, verifying the authenticity of bank accounts, and facilitating interbank transactions.

Their significance extends beyond individual customers to encompass large corporations, financial institutions, and government bodies that rely on the seamless movement of funds for their day-to-day operations.


In conclusion, BSB numbers are a vital component of the Australian banking system. They serve as unique identification codes for banks and branches, ensuring accurate routing of funds between accounts.

Without BSB numbers, the banking system would be prone to errors, misrouted funds, and delays in transactions. Therefore, they play a crucial role in maintaining the efficiency, accuracy, and reliability of financial transactions, benefitting both individual customers and the broader economy.

Topic 3: The PEH System: Enhancing

Efficiency in Fund Transfers

The PEH system, which stands for Payments Entry Hub, is an integral part of the Australian banking system that works hand in hand with BSB numbers to enhance the efficiency of fund transfers. This sophisticated system streamlines the processing of payments, minimizes errors, and ensures seamless transactions between banks and branches across the country.

Efficiency in Fund Transfers

The PEH system plays a crucial role in improving the efficiency of fund transfers by centralizing the processing of payments. When a customer initiates a transfer, the payer’s bank sends the payment instruction along with the BSB number of the recipient’s bank to the PEH system.

This information is then processed and routed to the appropriate destination, ensuring swift movement of funds. The PEH system acts as the intermediary between banks, coordinating the flow of funds and reconciling transactions.

It simplifies the complex network of transfers and allows each bank to communicate efficiently with one another. This centralization reduces duplication of processes, eliminates manual intervention in payment processing, and enables faster and more accurate fund transfers.

Seamless Integration with BSB Numbers

The PEH system seamlessly integrates with BSB numbers to facilitate secure and accurate fund transfers. When a payment instruction is received, the PEH system uses the BSB number provided to identify the recipient bank and branch.

This enables the PEH system to route the funds to the correct destination, ensuring that each payment reaches the intended account accurately. For example, let’s revisit the BSB number 086-226 mentioned earlier.

The first two digits, 08, indicate the bank code for the National Australia Bank (NAB). This information is essential for the PEH system to identify the correct financial institution.

The next two digits, 6-2, represent the branch code, which corresponds to the specific branch located at 1201 UB 100 St Georges Tce in Perth. By incorporating the BSB number into the PEH system, banks can handle transfers seamlessly and accurately.

The PEH system ensures that each payment is efficiently directed to the recipient’s bank and, subsequently, to the correct branch. This automated process minimizes the risk of human error and expedites the movement of funds throughout the banking system.

Enhancing Security and Fraud Detection

The PEH system also enhances security measures and aids in fraud detection. By consolidating payment processing, the system enables more effective monitoring for suspicious activities or fraudulent transactions.

The centralized nature of the PEH system allows for the identification of unusual patterns or discrepancies in fund transfers, facilitating timely intervention to prevent potential fraud. Additionally, the combination of the PEH system with BSB numbers provides a layer of authentication for bank accounts.

When making transactions, the usage of both the BSB number and the PEH system ensures that the account information matches, reducing the risk of unauthorized payments. This authentication process instills confidence in customers, knowing that their funds are secure and protected within the banking system.


The PEH system is a crucial component of the Australian banking system, working in conjunction with BSB numbers to enhance the efficiency and security of fund transfers. By centralizing payment processing, the PEH system minimizes errors and delays, streamlining the flow of funds between banks and branches.

The seamless integration of BSB numbers ensures accurate identification and routing of funds, allowing for swift and secure transactions. With its ability to enhance security measures and aid in fraud detection, the PEH system contributes to the overall trust and reliability of the banking system, benefiting both individual customers and financial institutions.

Topic 4: Understanding BSB Number Structure: The Key to Accurate Bank and Branch Identification

BSB numbers have a unique structure that allows for accurate identification of banks and branches within the Australian banking system. Composed of six digits, each digit in the BSB number holds specific significance, providing valuable information to initiate secure and efficient fund transfers.

Breakdown and Interpretation of BSB Numbers

To understand the structure of BSB numbers, let’s dissect the provided BSB number, 086-226. The first two digits, 08, signify the bank code for the National Australia Bank (NAB), indicating that the account belongs to this particular financial institution.

The bank code ensures that the funds are directed to the correct bank, minimizing errors and facilitating smooth transactions. The following two digits, 6-2, represent the branch code.

This code specifies the particular branch associated with the BSB number. In the case of 086-226, the branch code identifies the branch located at 1201 UB 100 St Georges Tce in Perth.

The branch code ensures that the funds are directed to the intended branch within the bank, allowing for accurate routing of transfers.

Significance of Different Digits

Each digit within the BSB number corresponds to specific information related to the bank and branch. Understanding the significance of these digits aids in interpreting BSB numbers accurately and ensures successful fund transfers.

The first digit in the BSB number denotes the state in which the branch is located. For example, BSB numbers starting with 0 are associated with branches in Western Australia (WA), as seen in 086-226.

This information helps in narrowing down the search for the branch within the correct state, streamlining the routing process. The next two digits, in this case, 86, indicate the bank code.

These digits align with a specific financial institution, identifying the bank and ensuring that the funds are directed to the correct institution within the chosen state. The final three digits, 226, represent the branch code, indicating the specific branch within the bank.

This code enables accurate routing of funds to the intended branch associated with the BSB number. By breaking down the BSB number and interpreting each digit’s significance, one can discern valuable information about the bank, branch, and location.

This knowledge is vital during fund transfers, guaranteeing that the funds are correctly routed and ensuring a seamless transaction experience.


The structure of BSB numbers provides crucial information about banks and branches within the Australian banking system. By understanding the various digits’ significance, individuals and financial institutions can accurately identify the bank and branch associated with a BSB number.

This knowledge ensures precise routing of funds and facilitates efficient transactions. From state identification to bank and branch codes, the structure of BSB numbers plays a vital role in maintaining the integrity of the banking system and ensuring secure and reliable fund transfers.

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