Bank Code Verified

112-904, BSB Number for St George Bank, Kogarah, NSW

BSB Number: 112-904

Bank: St George Bank

Financial Institution: STG

Address: 4-16 Montgomery Street

City: Kogarah

State: NSW

Postcode: 2217

System: PEH

Title: Understanding BSB Numbers: Essential for Efficient Banking TransactionsIn today’s interconnected world, banking systems rely heavily on various identification methods to ensure secure and accurate transactions. One such method is the BSB number, which stands for Bank-State-Branch.

BSB numbers play a crucial role in the Australian banking system, facilitating the identification and routing of funds between financial institutions. In this article, we will delve into the importance of BSB numbers, their significance in the banking system, and how they are used for efficient fund management.

Topic 1:to BSB numbers

I. What are BSB numbers?

– A BSB number is a unique six-digit numeric code assigned to every bank branch in Australia. – It serves as an identifying marker, signifying the institution, state, and branch of the financial establishment.

II. The importance of BSB numbers in the banking system

– BSB numbers act as a key element in ensuring seamless fund transfers between various financial institutions.

– They help minimize errors during electronic transactions by eliminating the risk of misidentification. III.

Identifying and routing funds through BSB numbers

– When initiating a fund transfer, the sender provides the recipient’s BSB number to ensure accurate identification of the bank branch. – BSB numbers play a vital role in enabling effective routing of funds to the intended branch, thereby speeding up the transfer process.

Topic 2: St George Bank St George Bank

– St George Bank is a prominent financial institution in Australia, offering a wide range of banking services. – Since its establishment in 1937, St George Bank has focused on delivering exceptional customer service and innovative solutions.

II. Background and growth of St George Bank

– Originally known as St George Cooperative Building Society Limited, it started as a building society and gradually expanded its services.

– Over the years, through acquisitions and mergers, St George Bank has cemented its position as a trusted name in the industry. III.

Branch details and BSB number of St George Bank in Kogarah, NSW

– The St George Bank branch in Kogarah, located at 4-16 Montgomery Street, serves as a prominent hub for financial services in the region. – The BSB number associated with this branch is 112-904, allowing quick and accurate identification for transactions related to this specific location.

IV. Services and benefits offered by St George Bank

– St George Bank offers a wide array of banking services, including personal and business accounts, lending solutions, wealth management, and insurance.

– With a focus on digital innovation, St George Bank provides convenient and secure online banking platforms, ensuring easy access to accounts and services. V.

Commitment to customer satisfaction

– St George Bank prides itself on its strong commitment to customer satisfaction, with dedicated customer service teams available to assist with queries and concerns. – The bank aims to create personalized experiences and build long-lasting relationships with its customers.


Understanding the significance of BSB numbers is crucial for anyone engaging in banking transactions in Australia. These unique codes streamline the identification and routing of funds, allowing for efficient and secure transfers between financial institutions.

St George Bank, with its commitment to quality service and a wide range of offerings, stands as a reliable destination for individuals and businesses seeking a trusted banking partner. Remember to acquaint yourself with the BSB number – 112-904 – of St George Bank in Kogarah, NSW, for a seamless banking experience.

Topic 3: PEH SystemIn addition to understanding what BSB numbers are and their importance in the banking system, it is essential to explore the systems and processes that support their functioning. One such system is the PEH system, which plays a significant role in the identification and validation of BSB numbers.

In this section, we will delve into what the PEH system stands for and how it relates to the BSB number provided. I.

The PEH system: Identifying BSB numbers

The PEH system, short for Physical Exchange of Households, is the framework established by the Australian Payments Network (AusPayNet). It aims to maintain and govern the BSB numbering system, ensuring accurate identification and routing of funds between financial institutions.

II. The role of the PEH system in BSB numbers


Allocation and management of BSB numbers: The PEH system oversees the assignment of BSB numbers to financial institutions and their respective branches, including St George Bank in Kogarah, NSW (BSB number: 112-904). 2.

Validation and verification: The PEH system ensures the validity and accuracy of BSB numbers, reducing the risk of errors in fund transfers. 3.

Compatibility with other banking systems: The PEH system harmonizes BSB numbers with other banking systems, such as the Bulk Electronic Clearing System (BECS), to facilitate seamless transactions. III.

Security and efficiency benefits of the PEH system

1. Enhanced traceability: The PEH system enables comprehensive tracking of financial transactions, providing an added layer of security against fraudulent activities.

2. Error reduction: By standardizing the BSB numbering system, the PEH system minimizes the chances of incorrect funds allocation and routing errors.

3. Interoperability: The PEH system ensures compatibility with various payment systems, promoting interconnectivity and enabling faster, more efficient fund transfers.

Topic 4: Understanding BSB Number Structure

I. Format and structure of BSB numbers


Total digits: BSB numbers consist of six digits, typically presented in a three-two-one format (e.g., XXX-XXX). 2.

Component interpretation: Each set of digits within the BSB number carries specific information about the bank, state, and branch. II.

Significance of different digits within the BSB number

1. First two digits: The first two digits in the BSB number represent the bank or financial institution.

For example, the BSB number 112-904 corresponds to St George Bank. 2.

Third and fourth digits: These digits identify the state where the bank branch is located. In the case of the BSB number 112-904, this corresponds to New South Wales (NSW).

3. Fifth and sixth digits: These digits pinpoint the specific branch within the state.

In this instance, the BSB number 112-904 refers to the St George Bank branch in Kogarah, NSW. III.

Interpretation of the BSB number provided (112-904)

1. The first two digits, “112,” correspond to St George Bank, indicating that it is the bank associated with the BSB number.

2. The following two digits, “9” and “0,” indicate that the bank branch is located in New South Wales (NSW).

3. The final two digits, “4” and “0,” signify the St George Bank branch in Kogarah, NSW.

IV. BSB numbers and account numbers


Relationship between BSB numbers and account numbers: BSB numbers work in conjunction with account numbers to ensure accurate identification and routing of funds within a specific financial institution. 2.

Importance of providing both BSB number and account number: To initiate a transaction successfully, it is essential to furnish both the BSB number and the account number of the intended recipient. Expanding on the PEH system and understanding the structure of BSB numbers provides a comprehensive overview of the intricacies involved in identifying and routing funds accurately within the banking system.

Appreciating the significance of the PEH system’s role and understanding the format and interpretation of BSB numbers will enable individuals and businesses to conduct seamless transactions while maintaining the highest level of security.

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